BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: CAINE & WEINER COMPANY, INC.
State: MA
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:
CFPB WRITE-UP In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States | have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2022-08-23
Company: WELLS FARGO & COMPANY
State: TX
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 # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes please. Thank you.

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 2020-04-17
Company: KEYCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
An assignment of mortgage was recorded in the land records regarding my property on XX/XX/XXXX by an unknown party to the assignment. The assignment was allegedly executed on XX/XX/XXXX by parties not affiliated with the party who requested the assignment to be recorded. I want to know how XXXX XXXX XXXX XXXX XXXX had the authority to record an assignment of the to which they were not a party. I would also like to know who the owner of the mortgage and note was at the time the assignment was executed and also at the time it was recorded. An employee of XXXX XXXX XXXX has stated to me that my loan was purchased and then placed in a XXXX trust with XXXX XXXX. Who did XXXX XXXX. Purchase the loan from? I also see that XXXX XXXX XXXX, as well as XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX have filed for bankruptcy. Therefore, the records should be available for the question to be answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
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:
On XX/XX/2019 a report was made in the amount of {$1100.00}. Due to consumer reporting law 15 US 1681 ( a ) ( 3 ) this action has been deemed unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Dear consumer affairs, regarding the cash app account routing number XXXX account number XXXX XXXX. Prepaid card number XXXX XXXX my name is XXXX XXXX the account card name is integrity first phone number XXXX email address is XXXX XXXX. transaction date XX/XX/2022 the amount is {$350.00} Merchants name is XXXX XXXX XXXX I'm having serious problem with the cash app company refunding and returning back my funds On XX/XX/XXXX a charge try to come through from the XXXX XXXX for {$62.00} it was declined because my card was blocked.. on that same day which is XX/XX/2022 another charge came through XXXX for the XXXX XXXX XXXX that charge was accepted but the card was locked. 

On XX/XX/XXXX another charge from the XXXX tried to come through for {$10.00} that was declined because the card was locked on that same day XX/XX/XXXX another charge was trying to come through as well for {$200.00} from a XXXX that charge was declined as well because the card was blocked. 

. On XX/XX/XXXX I received a text stating that the {$170.00} charge on the XXXX was changed from XXXX to {$350.00}. Causing my balance to go negative because the funds were not available. 

On XX/XX/XXXX I closed the card down. 

On XX/XX/XXXX you can see that I registered my cash app account on another device because the device that I had was stolen or lost not sure. 

I have reported this to the police I have made a police report regarding this here I've been disputing this with the cash app customer service since these charges occurred and the results have been Negative they have not tried to help me in no way shape or fashion or form. 

This charger is not my charge it is a federal law and regulations that unauthorized charges card holders are not responsible for and I'm being held responsible for a charge is not authorized. 

By the cash app company holding my funds it as cause my other accounts and other bills to become negative IThis as caused cause me to have to pay fines fees as well. 
Included in this too is a police report regarding this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: GA
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 : XXXX XXXX # 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 2 : 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 2022-08-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}.

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 2022-10-24
Company: EQUIFAX, INC.
State: TX
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 # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Credit Karma, LLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was told by Credit Krama that I was pre approved for a personal loan. After all the repeated guarantee approvals I applied. The company they sent me to XXXX XXXX XXXX turned me down for the original approval and offered me a small amount which really didn't help my situation. I took the loan at that point because they had ran my information already and it had affected my score plus 2 hard inquiry on my credit report. Now this loan company has some kind of block on my credit to where no other lender can get my information. Credit Krama has recently sent me an offer for {$13000.00} with the same loan company. I called to just verify and was told they would have to run my credit again to see if I even qualify for the loan that credit Krama guarantees. Something need to be done about this. They damaged my credit with these false misleading quotes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is information thats on my credit report that I did not consent to and I did not provide written information or instructions for the identified transactions to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified accounts are not information related to any transaction by me as the consumer : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Chime Financial Inc
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX there was an unauthorized transaction of {$24.00} to XXXX but I didnt think anything of it. Then on XX/XX/10 the account only had {$2.00} and at XXXX there was another charge of {$2.00}. Then I got paid on the XXXX. On the XXXX between XXXX and XXXX there were XXXX charges of {$24.00} and XXXX charge of {$15.00}. All made from a XXXX in XXXX California ( all with the same store number ). I live in XXXX Texas. I called my bank ( Chime ) right away on the XXXX to file a dispute ( while the charges were still pending ), they shut the card down and the charges stopped. Although, I ended up having to request an appeal because they denied my original claim. The second time, I tried sending my time sheet from work ; GPS timeline from XXXX and even charges on my other credit card that show I was in XXXX at the time of the unauthorized charges. After disputing with them they still deny my claim. A grand total of {$290.00} was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: MO
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$57.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO 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 2022-08-23
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:
in accordance with the Fair Credit Reporting act XXXX # XXXX, DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX # 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 XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, 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 2 : 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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 U.S.C 1681 Section 602 A states the right to privacy.

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. 




Account # XXXX Account # XXXX Account # 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 2022-09-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I was not using XXXX XXXX at this time because my drivers license was revoked by the state of NJ Should have never went to collections. I recieved no information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: OK
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:
Pursuant to the Fair Credit Reporting Act, Experian, XXXX, and XXXX each has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I am demanding remedy due to the violation of the following Laws : Violation of : 15 U.S.C. 1681 ( a ). Protects the consumer 's right to privacy Violation of : 15 U.S.C. 1681b ( a ) ( 2 ) : A consumer reporting agency can not furnish a account without my written instructions. 
Violation of : 15 U.S.C. 1681c. ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 
Violation of : 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 the information is inaccurate.

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 2022-09-29
Company: EQUIFAX, INC.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Financial Freedom Group, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Debt blue has been taking {$180.00} a month since XX/XX/2019 to pay off my debts. They take some fees for legal help but when I was sued for a debt last year they didn't provide legal help to me. I complained and never heard from them about this issue. I paid out of my own pocket to file the lawsuit in court, took off work to go there, and they never reimbursed me. I never was contacted by a legal person til the day it was due to be filed and I already had filed it earlier that day. They drug out the last debt if mine I called repeatedly to settle and they had zero communication with me about needing my signature notorized and continue to draft {$180.00} the whole time. They settled it on phone last week and told me I wouldn't be getting more drafts monthly from my account and that I would even be getting money back I paid into this program and apparently that is not true!!! Now because no one made a " note '' of telling me that they are acting as if I am lying. Had I known I was going to be paying fees for services they weren't providing I would have fought paying them and never ever gone with this company. I am now XXXX, have no income and they are telling me I owe them {$460.00} for the last settlement for a " performance fee ''. I'm the one who requested they settle my last debt after having enough money to cover it in my account with them and pushed it now they are continuing to charge me for their " performance ''. This company has well overcharged me for the services they did not provide and told me today they saved me 66 % on my debt but will NOT answer to any of the issues I've had with them with the legal services they didn't provide that I have paid for monthly! And the dragging debts out when I had enough money to cover them while they just enriched their own pockets sitting on my money! This seems super unethical!!! Super!

Company response to consumer: Closed with explanation