BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion ======================== XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX*This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately*** ***Do not add any fraud alerts to XXXX nor Transunion***

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
Company: Experian Information Solutions Inc.
State: IN
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: PA
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:
Dear XXXX, I am writing to dispute an authorized hard inquiry that has appeared on my credit report on XX/XX/2023 by XXXXXXXX XXXX XXXX Delaware and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. While I did provide consent for the inquiry in question, I have reason to believe that I did NOT benefit from this inquiry as I did NOT receive credit from this company. I kindly request that you investigate the circumstances surrounding this inquiry and take appropriate action to address my concerns. As a consumer, I understand my rights during commercial transactions, including credit reporting. According to the XXXX, an authorized hard inquiry should provide some form of benefit or advantage to the consumer. In this case, I believe that I did not receive any tangible benefit, service, or advantage from the party responsible for the hard inquiry, as required by the XXXX. I have reviewed my credit report thoroughly and have found no evidence of any benefit or advantage resulting from this inquiry. It is crucial to note that the XXXX requires a valid benefit or advantage in order for an authorized hard inquiry to be considered legitimate and compliant with the law. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In 2017 a credit card was opened fraudulently in my name with XXXX XXXX. When I finally realized this account, it was completely maxed out and reporting as a charged off account. This was and still is hurting my credit score with all 3 major credit bureaus. I have been disputing this account with XXXX XXXX since then with no luck even with a police report that I provided to them and added to my credit file with XXXX, XXXX, and TransUnion as well as a fraud alert for future security so that creditors and I can make sure that it is in fact me applying for credit. Recently, I opened a credit card financed thru XXXX XXXX, went thru the verification process identifying myself with security questions and was approved. One month after, I tried using that card and was declined. When I called to ask why my card was not working, a rep told me that my card was completely closed due to identity theft. After being transferred to over 5 different people, I was told that this card was opened fraudulently and they would not reopen this account. I explained what happened to me in 2017 when an account was actually opened fraudulently and this was a mistake because I went thru the steps to identity myself to attain this card. XXXX XXXX said there was nothing they could do but now I am blocked from ever getting approved financed from them going forward. The actual fraudulent credit card is still reporting negatively. They closed a legitimate card for no reason however kept reporting the fraudulent card. I have had a mortgage account in excellent status for over 12 years and was a part of the class action suit XXXX XXXX was involved in regarding their employees opening fake accounts so this is unbelievable to me. Remove this account immediately from my credit file!

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 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I have 2 accounts on my credit report from XXXX XXXX. One I paid off over 7 years ago and another that I paid through their collections company XXXX XXXX XXXX. My debit is clear and this is against the law to report debit that isnt there. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

Please Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im begging you to remove these items. Ive already paid my dues

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 2023-09-30
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023 at XXXX XXXX, I started a Cashapp transaction to my niece. The money was removed from my attached XXXX  XXXX XXXX account on XX/XX/. When I checked with my niece to see if she received the {$100.00} I sent, she informed me that she neither received a notification of this transaction nor the {$100.00} I sent. I verified that I had send the Cashapp to the correct user name and we checked my niece 's Cashapp and XXXX XXXX XXXX  account to ensure that the money had not been received. 

I called Cashapp several times over the following days to try to find out where the {$100.00} had been sent. I was advise to request a refund from my niece and have her decline it so the transaction can show up. While the refund request showed on her account the original transaction did not and she still did not receive the money. When my niece tried to resolve issue on her end she was told to change her Cashapp name to solve the issue. This effort did not resolve the issue. 

At this point Cashapp advise that I file a dispute with my bank, XXXX  XXXX XXXX. I file a dispute with XXXX  XXXX XXXX on XX/XX/2023. I received notice on XX/XX/2023 that XXXX  XXXX XXXX was unable to return my funds. 

I contacted Cashapp again on XX/XX/2023 to inquire how to file a dispute with Cashapp since transaction took place on their platform. Not only was I told I could not file a dispute the support agent on the Cashapp chat disconnected the conversation with me, while I attempted to ask follow up questions causing me to have to start the conversation over with a new agent. The second agent disconnect the conversation as well without allowing me to dispute the transactions. 

I would like the CFPB to look into this situation to find confirmation of where the {$100.00} was send and have Cashapp return the funds to me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-09
Company: EQUIFAX, INC.
State: CA
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:
15 usc 1681i ( 5 ) The reseller determined that the item of the information is incomplete or in accurate as a result of an act or omission of the reseller, not later than 20 days. 

Remove late payments XXXX XXXX XXXXXXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: TX
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 have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX XXXX with account number XXXX. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The XXXX with a balance of {$1200.00}. 

15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts I have made numerous attempts to have this fraudulent XXXX XXXX credit card Account number XXXX removed from my credit record. Despite submitting an affidavit, a police report, and an identity theft report, both XXXX XXXX and experian have been unwilling to remove it from my credit history. This fraudulent account is negatively impacting my credit score. This incident occurred as a result of my car being stolen with my personal documentation in it, which led to identity theft. 

Remove this account from my experian report.

Company response to consumer: In progress
Consumer complaint received 2023-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023 I had a monthly bill of {$210.00} due on my Bank of America Visa card. On XX/XX/2023 I made a payment from our Bank of America checking account in the amount of {$20000.00} instead of {$210.00}. On XX/XX/XXXX I immediately recognized my error and contacted the bank. The bank said that they could see the error and would refund the over-payment via check in 10 business days. 10 business days came and went and we did not receive a check. We called again and were told that they were working on it and would give us an update in 2 business days. We called again in 2 business days and were now told that they would ACH the funds back to our checking account, the account where the payment was made from, and that would take 3 business days. 3 business days went by and no ACH refund was made. We called again last week and were told that they were still working on it and we would be contacted by a " case manager '' on Friday XX/XX/XXXX. We were not contacted by anyone at Bank of America. As of today our credit card still shows an over-payment ( credit balance ) of - {$19000.00}. Every time we call Bank of America we are either told that they are working on it or we will get a refund shortly, which has not happened. We are now one month in from when the over-payment was made and the bank is still holding onto {$20000.00} of our money and we need it back.

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 monetary relief
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: CA
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:
In my previous complaints, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$410.00}

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 2023-09-29
Company: Experian Information Solutions Inc.
State: TX
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:
I requested my FULL disclosure file and only received a credit report

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 2023-12-07
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I paid off this loan and Shellpoint is now charging me fee 's. Although I requested for 38 months for them to send me a statement on my account, so I could see where I was at, how much was owed, etc... they never sent me one. Therefore, I did not know about these charges that were added to my account. Such as late fees or short payments fees, property inspection. For several years they would not send me anything with an amount but now that we paid this loan in full, they want to charge us fees. There is no way we could have know about any of this, as Shellpoint NEVER responded and never sent me anything such as a statement. I have since learned that a class action lawsuit about the same issue was granted against Shellpoint for the same thing i am having a problem with ( extra fees added ). This should not be happening. Every time i get a letter, they say i owe something different. First it was fees, now it's a payment still owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions 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:
XXXX XXXX added this account to my credit report, which does not belong to me only belongs to XXXX XXXX. I had my own lease at the time and this debt should not in be in my name. The rental company/landlord already updated the statement and account to reflect her name. They also written off the entire account due to an issue XXXX XXXX was having with them to prevent legal issues with her. XXXX XXXX has ignored my letters explaining this and has refused to remove these off my credit reports with the major credit bureaus

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 2023-12-07
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX  collection and credit inquiries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX XXXX XXXX dated XXXX XXXX and XXXX XXXX dated XXXX XXXX XXXX XXXX XXXX, are the result of identity theft, and They are not belonging to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I received a message from the bank that I added a person to my contact from XXXX. Later I called the bank to figure out how the contact was added, and they told me that there was no contact added. Then 2 hours later that same contact took money out of my bank account. Then in the same moment as money was being withdrawn from my account I called the back and told them to block the account. The bank blocked the account after the 9th transfer but only cancelled 2 of them. They later told me that I was the one who made the transfer and refused to give me back my money. This happened on XX/XX/XXXX of XXXX  for the amount of {XXXX} and the withdrawals were {XXXX} + $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
my information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately Im attaching proof that Equifax has admitted that I was inactive victim of this data breach and Equifax has done nothing.

Company response to consumer: Closed with explanation