BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft and these are the accounts that I am requesting to be removed from my credit report : XXXX XXXX : {$51.00} XXXX XXXX XXXX XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts appear on my credit while I was living abroad in XXXX, I have reason to believe my identity was stolen : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is my fourth attempt to address the ongoing issue. Despite multiple requests, I have been consistently denied access to my personal credit report by EQUIFAX. They have refused to release any information regarding my credit history. Attached herewith are supporting documents, including a copy of the letter I sent to the credit bureau, along with copies of my personal identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: FIRSTBANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I need to be taken out of XXXX because there is inaccurate information reporting. The inaccurate information reporting is keeping me from opening a checking and savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The following Account ( s ) : Debt Collector : XXXX XXXX XXXX Account # XXXX Amount : {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX with Account number XXXX is showing incorrect balance. the account is paid off with XXXX balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : My name is XXXX XXXX and I reside at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. All three major credit bureaus - XXXX, Equifax, and XXXX - are inaccurately reporting a {$1900.00} account for " XXXX  All Goods '' that I did not open or authorize. 

I have never had any financial account or business dealings with XXXX. However, this fictional debt continues to appear on my credit reports and severely damage my credit score. 

I have disputed this account in writing with all three credit bureaus multiple times, most recently on XX/XX/2023. However, all three have failed to reasonably investigate and remove the false information as required by the FCRA Section 611 and Section 623.

This appears to be a violation of the Fair Credit Reporting Act and Section 15 of the Fair Debt Collection Practices Act regarding false and deceptive information. Despite my disputes, the credit bureaus and this furnisher refuse to correct this. 

I request the CFPB open an investigation into the credit bureaus noncompliance and require the immediate deletion of this inaccurate XXXX tradeline. Please contact me at [ phone number ] to discuss this issue further. Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On several occasions i have contacted XXXX about that i am paying for their service and am unable to view my credit Score on the app or on line and each time i call I have been on the phone for well over an hour ( closer to 2 hours ) wich has not ended in a resalution any of the times .The only responce i recieve is that they will escalate my claim and in 6 to 7 days i will hear from a member of that team, well going on a month now and no responce, and it seems weather im calling about the inability to use the app that im paying for i get really disgruntled, so much so a woman by the name of XXXX told me that she was as large of a supervisor that their was and there lwasnt any one higher than her not believing but with no other recourse i concided When I filed the FTC police report i never recieved notification of them recieving it ( nor did the other 2 bureau ) I had to call to and ask to find out if it had been recieved.and to futher aggrivate with XXXX and the other 2 bureau ( experian and XXXX XXXX all 3 refused to honor the FCRA rights i am granted by the FCRA where 605 ( b ) states upon reciept of the police report the credit reporting agency SHALL block the files in question until the investigation is complete I have repeditivly asked and been told NOeven after expressing to them that i wouold file a complaint with the FTC and the CFPB and were told verbattem '' so what '' It is in my opinion that someone at XXXX is intentionally causing negitives to happen the same files from the same companies have been being disputed at the same time and XXXX is the only bureau to move my score down by nearly 100 pts in a day, with only so much as a comment being changed on my report i would understand if new collections were being added or delinquint accounts but there is notg the only thing at all that changes is a discription or words no removal or addition to accounts, and i have been hung uop on when asking about this or to speak to managment about it the amount of damage this does when attempting to aquire new personal or business credit is insane it constantly has me adding new inquires to my account for nothing how can they just get away with this.I am incloseing pictues othe fluctuation of their score singly and in refrance to the other bureaus and the entire time all of the bureaus have been working on all of the exact safe files .but they are the only bureau to do this to me, along with a screenshot of the app where i have not been able to view my credit score for almost a month but i pay for it ******picture of fico scores just know my XXXX score was XXXX the day XXXX and no more negitive accounts were added

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On several occasions i have contacted XXXX about that i am paying for their service and am unable to view my credit Score on the app or on line and each time i call I have been on the phone for well over an hour ( closer to 2 hours ) wich has not ended in a resalution any of the times .The only responce i recieve is that they will escalate my claim and in 6 to 7 days i will hear from a member of that team, well going on a month now and no responce, and it seems weather im calling about the inability to use the app that im paying for i get really disgruntled, so much so a woman by the name of XXXX told me that she was as large of a supervisor that their was and there lwasnt any one higher than her not believing but with no other recourse i concided When I filed the FTC police report i never recieved notification of them recieving it ( nor did the other 2 bureau ) I had to call to and ask to find out if it had been recieved.and to futher aggrivate with XXXX and the other 2 bureau ( XXXX and transunion ) all 3 refused to honor the FCRA rights i am granted by the FCRA where 605 ( b ) states upon reciept of the police report the credit reporting agency SHALL block the files in question until the investigation is complete I have repeditivly asked and been told NOeven after expressing to them that i wouold file a complaint with the FTC and the CFPB and were told verbattem '' so what '' It is in my opinion that someone at XXXX is intentionally causing negitives to happen the same files from the same companies have been being disputed at the same time and XXXX is the only bureau to move my score down by nearly 100 pts in a day, with only so much as a comment being changed on my report i would understand if new collections were being added or delinquint accounts but there is notg the only thing at all that changes is a discription or words no removal or addition to accounts, and i have been hung uop on when asking about this or to speak to managment about it the amount of damage this does when attempting to aquire new personal or business credit is insane it constantly has me adding new inquires to my account for nothing how can they just get away with this.I am incloseing pictues othe fluctuation of their score singly and in refrance to the other bureaus and the entire time all of the bureaus have been working on all of the exact safe files .but they are the only bureau to do this to me, along with a screenshot of the app where i have not been able to view my credit score for almost a month but i pay for it ******picture of fico scores just know my XXXX score was XXXX the day XXXX and no more negitive accounts were added

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and Identity Theft Victim in offense of identity theft ; which prohibits " knowingly transfer [ ring ] or XXXX [ XXXX XXXX, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' 18 U.S.C. 1028 ( a ) ( 7 ).

-Schemes to commit identity theft or fraud may also involve violations of other statutes such as identification fraud ( 18 U.S.C . 1028 ), credit card fraud ( 18 U.S.C. 1029 ), computer fraud ( 18 U.S.C. 1030 ), mail fraud ( 18 U.S.C. 1341 ), wire fraud ( 18 U.S.C. 1343 ), or financial institution fraud ( 18 U.S.C. 1344 ). Each of these federal offenses are felonies that carry substantial penalties -- in some cases, as high as 30 years ' imprisonment, fines, and criminal forfeiture. 

Other Violations : Fair Credit Reporting Act The Privacy Act of 1974 XXXX U.S.C. XXXX g ( XXXX ) Identity Theft and Assumption Deterrence Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX XXXX Balance : {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/XXXX my coinbase account was compromised. This happened by my email getting hacked and my cell phone number then getting ported out or sometimes called sim card swap. I contaced coinbase to let them know, I received an email immediately saying my account had been locked for security reasons. I was asked to submit photo **s and other requisite information for security and told VIA EMAIL that my account should be re-activated by XX/XX/2022, I called and spoke to 'customer service ' Their customer service is a sham, unable to escalate or provide any meaningful solution. The 'agent ' i spoke with then sent me another link to re-upload my ** data via a 'XXXX  " Portal. Immediately, I uploaded my ** data AGAIN, in the fashion requested ( see supporting doc ). I called to follow up AGAIN on XX/XX/XXXX, only to be told Coinbase 'backoffice ' has to check the ** data I submitted and customer support said 'they are not able to escalate anything ' - basically, I am locked out of my money,, and they are providing NO solution to this problem. As far as I am concerned, this is approaching financial crime-status.I can not believe how this company operates. They are operating in an illegal fashion, providing zero solutions and locking me out of my financial belongings. Please assist asap. This is outrageous and unacceptable. I have also filed a FORMAL COMPLAINT with Coinbase, which is Case # XXXX. Today is XX/XX/XXXX and nothing has changed. I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to lodge a formal complaint regarding the persistent appearance of fraudulent and inaccurate items on my credit report which are needs to be removed by the credit bureaus. Despite my previous attempts to rectify these issues, they continue to adversely affect my creditworthiness and financial standing. The fraudulent and inaccurate items in question include : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX - My credit report still displays an inaccurate address, namely [ Incorrect Address ], which is not associated with me and has never been my place of residence. I have previously disputed this issue. XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$9200.00} - There are an accounts on my credit report, XXXX, XXXX which has been incorrectly listed as a charge-off. This accounts are not in charge-off status, and I have never allowed it to reach such a status. XXXX XX/XX/2022- I have identified an unauthorized inquiry from XX/XX/2022. I did not provide any authorization or consent for this inquiry, and it should not be included in my credit report. I have made numerous attempts to address these issues by filing disputes, providing supporting documentation, and following the procedures outlined in the Fair Credit Reporting Act ( FCRA ). Despite my diligent efforts, the fraudulent and inaccurate items persist on my credit report, causing unwarranted harm to my financial profile. 

I kindly request that you prioritize and thoroughly investigate these ongoing disputes to rectify the inaccuracies promptly. As stipulated by the FCRA, you are required to investigate and resolve disputes within 30 days. Therefore, I urge you to adhere to this timeline and provide me with an updated credit report that accurately reflects my financial history. 

Furthermore, please ensure that any fraudulent or unauthorized inquiries are removed from my credit report, and take appropriate measures to prevent any future unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Upstart Holdings, Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The company reported me as 30 days past due but during that 30-day period, I was unable to manually go to their website and make a payment. I did eventually call them to report the problem and was informed I could also make the payment by phone so I did immediately. I actually have 2 loans with this company and did not have problems accessing the other loan and made that payment on time. They are now showing on my credit report as 30 days late and it is negatively impacting my credit. I disputed the record but they refused to change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 29 It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Cash App refuses to remove the {$60.00} temporary authorization hold from my account ( from XX/XX/15 at XXXX ), despite the fact both myself and the general manager of XXXX XXXX XXXX  XXXX provided the necessary letter ( see attached ) to have the hold immediately removed. They are blatantly trying to hold on to my money for 14 days as a way to make interest for their company off of my money. This type of practice is wrong on so many levels and banks need to be held accountable for these deceptive and dishonest practices. I have both called and emailed Cash App support NUMEROUS times over the last three days and they absolutely refuse to help in any way. Im homeless and living in my van and I need access to my {$60.00}. I advised Cash App of this as well and they have absolutely ZERO empathy! When you call you cant reach a US based customer service team and thats half the battle. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I noticed a {$250.00} charge on my Citibank XXXX that I did not authorize. 
Nor did I recognize the XXXX - XXXX XXXX- which appears to be a chain of hotels. 
Since I did stay at any hotels, or reserve any hotel rooms, I realized that this must have been a fraudulent charge & notified Citibank immediately ( on XX/XX/XXXX ) by phone. 
They advised me that it would take a week or so to investigate & reverse this charge. 
I then followed up XXXX  to check on the status of their investigation and was advised " it was still under investigation ''. 
It seemed as if nothing was being done at all and this fraudulent charge is still on my Citibank account. 
It is now XX/XX/XXXX - over XXXX weeks that I notified Citibank about this charge hasd nothing has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1618 Experian Account # NT7746XXX 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse information, other than records of convictions of crimes which antedates the report more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation