BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TRANSUION report a collections account " XXXX XXXX XXXX ''. I have no knowledge of this account. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. 

This account was deleted a year ago because of inaccurate reporting, false info and failure to furnish verification. THIS IS NOT MY ACCOUNT

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 2023-10-23
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

has violated my rights. Or a list of inquiries : 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 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 2022-11-27
Company: EQUIFAX, INC.
State: UT
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:
This card shows activity and dates of activity that do not exist. All of the bureaus are falsely reporting information on a card that was closed immediately after I got it. The limit isn't even correct! This is why I repeatedly say none of the bureaus can be trusted to report information on anyone 's reports accurately. See the attached proof that this card was closed and NEVER used!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 number 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 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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 ITEMS. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX , NV XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; DPT ED/XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$3800.00} ; US DEPT ED XXXX Balance : {$540.00} ; US DEPT ED XXXX Balance : {$2500.00} ; US DEPT ED XXXX Balance : {$4900.00} ; US DEPT ED XXXX Balance : {$3100.00} ; US DEPT ED XXXX Balance : {$2300.00} ; US DEPT ED XXXX XXXX : {$2500.00} ; US DEPT ED XXXX Balance XXXX {$4900.00} ; US DEPT ED XXXX Balance : {$6000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXXXX/XX/2023 ; XXXX  XX/XX/2023 ; XXXX XX/XX/2023.

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 2023-06-08
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:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: Amsher Collection Services, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AMSHER COLLECTION SERV is report on XXXX/XXXX/2023 a balance of {$440.00} I have no Idea what this account is. I need the company to validate this by the following 1. I need the audit trial of the balance.

2. Also I need them to provide me with the agreement that grants them to collect this allege debt.

3. Also provide with the master bill of sale

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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:
In accordance with the fair Credit Act : XXXX XXXX account XXXX, has violated my rights, 15 USC 1681 Section 602 A. States I have the right to privacy.

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

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 2022-06-24
Company: Continental Finance Company, LLC
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:
In accordance with the Fair Credit Reporting act XXXX Account ending in # 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries and inaccurate information reporting on my personal credit report. I request that CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate information listed on my credit report If, once their investigation is complete, find my allegation to be true, please remove these items as soon as possible : XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
contacted Transunion via phone and told them about inquiries that are on my report that i did not authorize. Was instructed to mail in a letter disputing these so they can be removed. Even after submitting letters twice via certified mail # XXXX they still remain and company refuses to remove these items i did not give permission for nor give consent for these to appear on my cunsumer report. 

XXXX XXXX XXXX XXXX ON XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 I have also written them dispute letters for company XXXX and asked that they removed XXXX XXXX XXXXXXXX via certified mail XXXX XXXX from my consumer report and provide the documents with wet signature the company provided they with to even place this on my consumer report and it still remains nor have they provided any original documents pertaining to the alleged debt. 

Transunion has had well over 60 days the delete these and have yet to comply. I demand these be removed as they are not mines and the company has not provided proof with orginal contract with wet signatures to prove otherwise.

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 2022-09-19
Company: Viking Client Services
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I disputed an overcharge with XXXX XXXXXXXX XXXX through XXXX. The amount of the contract was paid in full as documented with attached credit receipt and reservation contract. I had made several calls to XXXX XXXX XXXX 's XXXX number, and attempted to also reach the XXXX, HI office at XXXX. The calls route back to the XXXX number, or when pressing " 3 '' for the service counter, a message stating " your call can not go through '' is received. 


Shortly after disputing the overcharge of {$120.00}. received a letter from Viking Client. At which point several calls were made, an online dispute form made. This is not a valid debt and I am requesting that the collection be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2022, I initiated a request to redeem of {$500.00} of my " cash-back '' rewards. 
The {$500.00} was to be transferred to my checking account. 
On XX/XX/XXXX, my credit card account showed that {$500.00} was redeemed from my " cash-back '' rewards. The problem is that my bank never got the {$500.00}. 
I have checked with my bank many times ( up to today XXXX XXXX ) and there has been no record of the {$500.00} credit to my checking account. 
I have contacted the credit card company ( BARCLAYS ) many times by phone and by regular mail and have never gotten a satisfactory response. 
I was able to determine that the transfer was ( or should have been ) via ACH transfer. 
I think that BARCLAYS should be able to access the transactions Trace ID. There should be two Trace IDs the source ID and the destination ID. I can not get anyone at BARCLAYS to start a trace for this transaction. And they will not give me any " proof '' that the ACH ever happened.

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 2021-08-03
Company: Westlake Services, LLC
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 status incorrect

Complaint:
The vehicle was paid off attached is a copy of the paid off letter that they sent me. I need it removed from my 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 2022-11-26
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity theft report was submitted to company as I never opened this account, yet they continue to fraudulently report it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX  placed a non tax debt on file in which this is a violation of my FCRA rights. I was told I was overpaid from payroll when I left the federal agency but yet XXXX to 5 months later still have not been given a breakdown of how I was overpaid. 

I requested this information and still to date have not received and its entirely impossible to reach them the government via telephone. 

This debt needs to be removed because I am not even certain this debt belongs to me but yet has been reported to my credit report with 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 non-monetary relief
Consumer complaint received 2022-09-19
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX issued a teller check # XXXX for the amount of {$4400.00}. Because it was from my home equity account, the money was taken out immediately when printing. They sent that amount based on an old statement I had from Barclays Credit card. They expressed mail USPS with the tracking number of XXXX XXXX XXXX XXXX XXXX to the address on my statement which is : Barclays, XXXX XXXX XXXX XXXX XXXX, PA XXXX. According to the USPS tracking information, it was received on XX/XX/XXXX. I called on XXXX to find out when the check would be applied to my account- They told me 2-3 business days. I called back later and then had to open a case to find this unapplied check which they told me it would take at least ten days to resolve. Meanwhile I am getting charged interest on my credit card due to them losing the check and not applying it in a timely manner.

I would like them to find the check, apply it to my account and remove all interest charge on my account starting XX/XX/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 2022-08-20
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I do not claim this debt, but reached out to the company via a letter sent six months ago in order to settle the debt and get it deleted from my credit reports. I have not heard back from them via a letter or phone all in order to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Experian 's security is such that anyone with my personal information can create an account, even if an account already exists. They can replace the email on the account and freeze or unfreeze my credit. Details can be found here : https : XXXX Yesterday, someone tried to open a credit card in my name at a XXXX, which uses Experian to gather credit reports. I immediately called their fraud hotline, and thankfully the card was flagged before the thief could use it. They told me to freeze my credit, which I did through all three Beauraus. 

Today I received an email that the email associated with my account changed. Lo and behold, I could no longer log in with my username and password. The sign in page has a feature where you can find the email associated with an SSN. Using this feature, I was able to see the first two characters of the new email address, which I did not recognize. I can only assume that my account was hacked. 

Experian wants you to pay for a service to monitor changes to your account more closely. This is a racket- I am simply not paying to remedy a problem they created. Given that there was a recent security breach from Experian, it's likely that my SSN and personal info was obtained that way. If so, they are doubly at fault.

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 2022-11-26
Company: Block, Inc.
State: OH
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:
I had unauthorized charges toward my cashapp account and they denied my claim twice. The charges were from XXXX XXXX they charged my account for {$50.00} 15 times within 4 minutes. On XXXX XXXX, I went to the ATM to get out {$200.00}, upon receiving that {$200.00} and my receipt I saw my balance was less then it should have been with the money I removed. I then looked at my cashapp and saw that in between me at the atm which was around XXXX XXXX  XXXX, that the unauthorized purchases from the merchant above happened from XXXX and XXXX XXXX. I immediately locked my card when I saw this and cancelled it and requested a new card. I then contacted cashapp to dispute the fraudulent activity. They denied my claim in the 3 day investigation, I called multiple times to speak to a manger or find out why it was denied but no one would give me clear answers or get me a manger. On XX/XX/2022 I spoke with a rep that eventually hung up on me not helping resolve my issues when I called back I spoke to another representative that was able to put the case up for a second review. On XXXX XXXX I received an email that the claim was once again Denied. I dont know who this merchant XXXX XXXX is or how they got my information to charge my account, it was not me and my hard own money was taken and cashapp would not assist me. At this point I feel like cashapp if fraud and they took the money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XX/XX/XXXX Chase Bank {$4300.00} was debited from our checking account. It was noted as a " Debit DDA Check Charge ''. 
I immediately called the bank and spent an hour or so being shuffled from one person to another. I received no answers to what the issue was due to their being an absence of any dialogue associated with the charge. 
I made several phone calls over the next few days. On XXXX, XX/XX/XXXX, I was informed an email was sent to the " compliance '' dept and that I would receive a response within 24 hours. That did not happen. 
XXXX XX/XX/XXXX I called this morning to follow up and was told, once again that an email will be sent to the " research '' dept and it will take 2-3 business days for them to even respond with what may have happened. I am not allowed to even be CC 'd on the correspondence.

There was never any correspondence stating that there would be a charge to our account. They just took it.

The only thing we think may have happened was my niece was recently scammed and filed a fraud complaint. There were 12 checks cashed within one week. The only connection we have to that is that my mother is on both accounts. 
My niece received a letter on the XXXX stating the situation was resolved and no further action would be taken. This is, however, only speculation as there are no notes associated with the {$4300.00} charge. 

We have excellent credit, no outstanding debt and have been in good standing with them for 20 years. 

I am worried that we will not get our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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 name XXXX XXXX, including Account # 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