BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Maximus Education, LLC dba Aidvantage
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: Public record information inaccurate

Complaint:
Aidvantage student loan have agreed to take advantage of of my information by bating my data into an agreement of forbearance and have not proven identity of proper procedures. 

As well as cred cards information show on my my credit that i have not consented to within the recent 6 months showing on my credit report. 

automobile loan from more than 7 years ago which i no longer have showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
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: Information belongs to someone else

Complaint:
I have disputed the XXXXXXXX XXXX XXXXXXXX XXXX accounts and they still remain on my credit report. No documentation has been provided to me with my signature on it to verify these accounts.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Dear TransUnion I see that your company has not responded to my initial dispute. Because of this, the dispute must be valid. PLEASE DELETE THE BELOW ACCOUNTS ASAP. Your company has not complied with the FCRA when it comes to responding to my dispute. I demand that you remove the inaccurate account at once. 

XXXX  : Account number : XXXX, The account type detail has another name. 30 days should be enough to correct Last reported dates. 

XXXX  : Account number : XXXX, The account type detail has another name. 30 days should be enough to correct Last reported dates. 

XXXX XXXX XXXX Account number : XXXX, The account type detail has another name. 30 days should be enough to correct Last reported dates. 

XXXX XXXX XXXX  Account number : XXXX, The account type detail has another name. 30 days should be enough to correct Last reported dates. 

XXXX XXXX XXXX Account number : XXXX, The account type detail has another name. 30 days should be enough to correct Last reported dates. 

XXXX XXXX  : Account number : XXXX, The account type detail has another name. 30 days should be enough to correct Last reported dates. 

XXXX XXXX XXXXXXXX : Account number : XXXX, The account type detail has another name. 30 days should be enough to correct Last reported dates. 

If this item is not removed from my credit report and I receive an updated credit report stating that you have completed your investigation, I will turn all letters sent to you and received from you over to my attorney for review for willful non-compliance. 

Tracking everything, every day. 

I expect to hear from you within 10 days CC : FTC, XXXX CFPB

Company response to consumer: In progress
Consumer complaint received 2023-08-24
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
XX/XX/XXXX saw charge on my XXXX card that I did not approve in XXXX I cancelled spirit membership and their credit card because of this same reason. Saw this charge on a different card XX/XX/XXXX ( XXXX card ). Called spirit & spoke with XXXX at spirit. He assured me that it was only a pending charge. He saw that I cancelled previously but saw I used my XXXX at one point and the decided to charge the membership to XXXX even though it was a cancelled charge previously in XXXX. I told him this was fraudulent because I did not request nor did I approve. He said that it was pending and would fall off. That is not an appropriate answer for fraudulently charging my XXXX without my request or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 2022-07-28
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FALSE STATEMENT AND ATTEMPT TO COLLECT DEBT WITH WRONG PERSON XXXX said i had an account with account number XXXX and as of XX/XX/2017, they said i owed {$160.00} between XX/XX/2017 and today. 

I called them and said that's not possible because i started residing in US on XX/XX/2017 and when i arrived here my first operator was XXXX XXXX XXXX not XXXX. They got the wrong person. None in their customer service can't fixed this. They just reported me by increasing the debt to {$210.00}. 

I CUT THE LETTER ATTACHED TO DISPUTED BUT IT RETURNED TO ME. NOBODY LISTEN OR TRY TO FIX THIS MISTAKE. I CAN'T PAY FOR SERVICES I DID NOT USE. 

My phone number was XXXX and i started using it on XX/XX/2017. They are charging by error from XX/XX/2017 which is the period that i didn't have XXXX and also was not in XXXX XXXX XXXX XXXX 

Also, i joined XXXX around XXXX but not on or before 2017. So how is it possible that i owed XXXX? 

I want XXXX  to correct this information and clean my name. 

They must found the exact person. Is very unprofessional. I asked them to tell me when i joined XXXX they just ran away. 

I called the collector EOS CCA and XXXX but no success. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Winklevoss Exchange LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX XXXX Gemini Trust company LLC paused my withdrawal which didnt allow me to withdraw my balance from my account. The promised to give it to my by XX/XX/XXXX but I never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIS COMPLAINT IS SUBMITTED BY MYSELF XXXX XXXX WITH NO ASSISTANCE. 

XXXX XXXX ( XXXX ) This account is open! It has never been closed! The balance is 0 The payment history since XX/XX/2022 till present ( XXXX ) is not reported It should be reported open. Payment history from XXXX to XXXX is on-time good

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Genesis FS Card Services, Inc.
State: AZ
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:
I have contacted INDIGO/GENESIS CARD SERVICES on XX/XX/2022 and XX/XX/2022 through mail, requesting {$930.00} ( which includes late fees, which should not be since I have been contacting the correct department by mail as stated on the back of each statement ) be credited back to my Indigo credit card account, due to lack of verification of purchases from XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following 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 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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a complaint last XX/XX/2023. Involved companies responded but there are still fraudulent items reporting on my credit report. I submitted a complain again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2022-06-08
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Disputed a transaction on my credit karma spend account which was difficult I had to threaten to call my lawyer for them to file the dispute. They then froze my account the following day after refunding the disputed transactions. I have contacted them over 100 times. I am now XXXX  and with out funds for me and my kids because credit karma froze my account without notice or explanation. I have requested to close my account and refund my money back to the bank account I have linked with credit karma. Nothing has been done at all they wont respond or release my funds or close my account. I have lost and tried everything because of credit karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted XXXX XXXX XXXXXXXX on XX/XX/2022 and XX/XX/2022 through mail, requesting a binding contract between me, XXXX XXXX and XXXX. XXXX, which has not been provided. I also requested proof of authorized consent from XXXX XXXX, me given to XXXX. XXXX  to access and damage my credit report. This has not been provided as well. This company refuse to remove from my credit report and is fraudulently attempting to collect debt with no binding contract.

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 2023-09-04
Company: Experian Information Solutions 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 convey my profound frustration and disappointment concerning the lingering presence of charged-off accounts on my credit report. I have previously raised disputes regarding these accounts on multiple occasions, offering comprehensive explanations regarding the Fair Credit Reporting Act ( FCRA ) violations perpetrated against me. In this complaint, I have gone the extra mile by accentuating these violations with supporting exhibits and attached documents. Despite my persistent efforts to address this issue, these charged-off accounts persist on my credit report, inflicting significant harm on my financial reputation. I strongly implore you to conduct a thorough investigation into this matter, rectify the FCRA violations, and ensure an accurate reflection of my financial history in my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}.

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 2022-06-08
Company: Experian Information Solutions Inc.
State: AZ
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:
I have contacted XXXX XXXX UNIVERSITY on XX/XX/2022 and XX/XX/2022 through mail, requesting a binding contract between me, XXXX XXXX and XXXX XXXX UNIVERSITY, which has not been provided. I also requested proof of authorized consent from XXXX XXXX, me given to XXXX XXXX UNIVERSITY to access and damage my credit report. This has not been provided as well. This company refuse to remove from my credit report and is fraudulently attempting to collect debt with no binding contract.

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 2022-06-08
Company: EQUIFAX, INC.
State: AZ
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:
I have contacted XXXX XXXX UNIVERSITY on XX/XX/2022 and XX/XX/2022 through mail, requesting a binding contract between me, XXXX XXXX and XXXX XXXX UNIVERSITY, which has not been provided. I also requested proof of authorized consent from XXXX XXXX, me given to XXXX XXXX UNIVERSITY to access and damage my credit report. This has not been provided as well. This company refuse to remove from my credit report and is fraudulently attempting to collect debt with no binding contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Self Financial Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I contact Self lender in effort to correct Credit, the self lender representative states you were having trouble? then ask if I could verify my Birthdate and SSC number XXXX gave her the info, she said you had a previously, had an Email here but XXXX said that u were like XXXX yrs old and, and she had my SSC # she went on to say there was a previous balance, did I want to pay the amount now and then it could be cleared up! To start a the devices rendered, I responded why would I pay for a service that Ive never had with the particular company as of yet! She says Aww! yeah that is right so right now until this is cleared up I still dont have the service that was sought after intially!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have contacted XXXX XXXX UNIVERSITY on XX/XX/2022 and XX/XX/2022 through mail, requesting a binding contract between me, XXXX XXXX and XXXX XXXX UNIVERSITY, which has not been provided. I also requested proof of authorized consent from XXXX XXXX, me given to XXXX XXXX UNIVERSITY to access and damage my credit report. This has not been provided as well. This company refuse to remove from my credit report and is fraudulently attempting to collect debt with no binding contract.

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 2022-07-01
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2018-06-15
Company: Cosmo Credit Repair
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Hey Im having a problem with Cosmo credit repair. There very unprofessional and rude and wont return my XXXX they took out of my account. On XX/XX/2018 XXXX XXXX contacted me regarding repairing my credit. He stated the consultation was free and he can get remove everything bad on my credit report within 6 months. I sent him some v personal information by email and 2 weeks later some random guy XXXX XXXX calls me XXXX at night asking me to send document to start credit repair. I told him no I didn't know you and im not sending my personal information because XXXX know you have XXXX XXXX call me in the morning. XXXX XXXX calls me and said he d I didn't receive my documents and I asked him how come he d I didn't let me know 2 weeks ago. He said he didnt have them to send them back and I told him no. I dont want to do business with you because you lost my persodnal informatiom. I gave them XXXX to start and after I told him I didn't want to do the program because their unprofessional the next day they took XXXX out my account. I had to cancel my card and order a new one because I dont want them stealing my money out my account. So I talked to XXXX whos the technical guy and XXXX whos suppose to be the manager. XXXX stated she was going to refund my money but then stated she wouldn't and hung up in my face. On there website it said you get your money back if your not satified. Well I wasn't satified and they still took money out my account and didnt do no services!!!!

Company response to consumer: Untimely response