BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: EQUIFAX, 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:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 Date Updated : XX/XX/2022 ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00}

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 2022-09-19
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
For the past few months, I have tried to submit a dispute online on Equifax 's website, but to no avail. Whenever I try to start a dispute, the message states " temporarily unable to process your request ". Even after calling Equifax several times and speaking to different representatives, they all say the same thing each time : there is a system update. 
Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 last complaint, I disputed some items that are erroneous and do not belong to me whatsoever. Please block the items that are erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$3000.00} XXXX XX/XX/XXXX The addresses stated above are not my current address The accounts above are inaccurate and fraudulent. Im seeking Litigation. 
The inquiry is unauthorized and fraudulent. 
Please delete them at once.

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 2023-07-19
Company: Chime Financial Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I had received a call from the chime ( a banking app ) customer support number. I was told that my account was under technical issues and that I would need to transfer the money to a secure account. The app only allowed XXXX XXXX to be transferred to the secure account and the caller used different tactics such as giving a false badge number and using the same music as the real customer service when they would place me on hold. The day after I called on the real customer service line to get them to stop/refund the transaction. There was a dispute placed that has been opened repeatedly but it has been denied every time thus far. There have been calls made to the New Mexico treasury, a lawyer ( was given free consultation ) in order to see how I could recover the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: NAVY FEDERAL CREDIT UNION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I found out in XXXX of XXXX that somebody was using my account from XXXX of XXXX to XXXX of XXXX credit limit for XXXX I believe it was someone from my home I was only XXXX when this account was opened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
I've been asking to enroll me in overdraft protection and debit overdraft and I was charged for a payment for XXXX and I never got my driver but got charged with it every time I call customer support they only help me half ways and then tell me they can't do nothing about it .....

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 2023-07-19
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a back pay check for my veterans affairs dependent education benefits as backpay for when I was enrolled in school back in 2018 verified the check was real and was intended for me with the veterans affairs and deposited the bank to my account with no issue and then a week later they flagged my account as fraud and have put a hold on my account leaving me without access to anybody my funds I have already missed two paydays and this is getting in the way of me being able to get access to my lifesaving medication

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} and XXXX Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
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

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 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
This is in regards to my XXXX Capital One credit card. 

The XX/XX/XXXX statement balance for my account was {$11000.00}. This account is set up for automatic payment of the full amount on the XXXX of each month. The next payment is scheduled for XX/XX/XXXX. 

On XX/XX/XXXX I made a payment of {$10000.00} which should have reduced the statement balance to {$1300.00}. 

Yet - even though I already paid {$10000.00} toward this account- Capital One will still deduct the entire {$11000.00} from my checking account. 

The only way I can avoid this is to cancel the automatic payment for the month of XXXX. 

How is this practice ethical? If I paid {$10000.00} toward the balance of {$11000.00} shouldn't that payment be reflected at the time the automatic payment is due? 

This seems unethical to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. These items must be investigated and deleted 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 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 2022-12-21
Company: EQUIFAX, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX -- Disputed a Public Record item appearing within my credit file with Equifax as a result of the company 's Violations of Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681 ) reporting requirements but also Violation of FCRA 623 ( b ) ( 1 ) which states : FCRA 623 ( b ) ( 1 ), credit reporting agencies or furnisher of information being reported which turns out to be inaccurate, incomplete, or cant be verified, must be permanently deleted. *** As per Section 609, I am entitled to see the original furnisher or source of the information and in this case the original furnishers is/are : the US Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX The original furnisher ( s ), the US Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX, do not report to any credit reporting agencies to include Equifax, XXXX, XXXX, or XXXX. Neither does the Court report to any third-party credit reporting agency furnishers or reseller of information. This rule applies to All US Courts therefore any statements alluding to Equifax stating the information being reported within my credit file with their company as verified and accurate is an error or a lie. Either way Equifax reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and 623 ( b ) ( 1 ) therefore the information must be deleted immediately. ** Equifax also intentionally opened a duplicate FCRA Violation Dispute on XX/XX/XXXX ( XXXX ) to prolong this investigation, disconnected XXXX of my calls and sent me to the company 's survey questionaire while I was talking to a supervisor about the matter, and also kept my second call to the company of XX/XX/XXXX for more than 30 minutes after asking for a supervisor and also to speak to the Consumer Affairs Dept Rep who created the duplicate dispute on XX/XX/XXXX ( *See Phone Log Attachment )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2022-12-21
Company: EQUIFAX, 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX 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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In according with the fair Credit Reporting Act XXXX Account : 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 furbish an 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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX is violation of Fair Credit Reporting Act by reporting negative inaccurate information. This is not my account. on my credit report opening date of this account is XX/XX/2021. And the stated account # is XXXX. This inaccurate information needs to validated.

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 2023-07-20
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Every month the publish in my credit report as if they are a new account and its affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: WELLS FARGO & COMPANY
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:
I have a fraudulent account on my credit report, which I reported to WF CRD SVC, yet WF CRD SVC is not removing this fraudulent account. WF CRD SVC has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet WF CRD SVC has refused to do this. The following is the fraudulent account : WF CRD SVC / 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 2023-10-12
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: AZ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I am not liable for this debt of {$190.00} with MERCANTILE ADJMT BR Account number : XXXX I do not have a contract with MERCANTILE ADJMT BR, they did not provide me with the original contract as requested with my wet signature and ID Verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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:
My identity was stolen and someone accessed my cash app and withdrew all my money. I am currently going through medical issues that requires that money for treatment, I gave them my police report showing identity theft, I hadnt been able to access my cash app for weeks, they had to gain access for me, the account used to cash out my money is not connected to me at all and no benefit to me.. They also took longer than the 10 days it states in their terms of agreement without providing any info or provisional credits. They can speak to the bank and see its not my account.

Company response to consumer: Closed with explanation