BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I checked my credit report last month ( XX/XX/2022 ) and noticed that Experian listed XXXX inaccurate addresses on my credit report. In the last year, I have been involved in three identity theft cases involving data breaches AND I have had my personal identifiable information show up on the dark web twice in 2022 alone! I have placed a fraud alert on all three credit bureaus. On XX/XX/2022, I sent a certified letter to Experian requesting that all addresses ( with the exception of the address on my driver 's license ( which I sent a copy of with the letter ) ) be removed because, not only are they inaccurate, I am also a victim of identity theft. 

On XX/XX/2022, Experian received my certified letter. On XX/XX/2022, Experian placed online disputes for every incorrect address. To follow up with this, I called Experian and spoke with a representative about the XXXX inaccurate addresses. This representative removed all but XXXX inaccurate addresses and stated that these XXXX wrong addresses could NOT be removed because they are associated with XXXX old and closed accounts on my credit report. I explained that these addresses are NOT accurate and need to be removed, but she refused and suggested that I reach out to the old creditors and request that they update my current address to my credit report. Please understand that these are old and closed accounts that are no longer reporting to my credit reports. 

I asked that she email me or send me a postal letter explaining why these XXXX inaccurate addresses could not be removed, but she refused and stated she could not send this information in writing. 

The only address that should report on my credit report is the one that matches my driver 's license. I am requesting that Experian remove ALL other addresses. Keeping inaccurate information on my credit report keeps me at jeopardy for identity theft.

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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXX. XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX 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 2022-06-29
Company: Resurgent Capital Services L.P.
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:
XXXX XXXX {$1300.00} XXXX XXXX {$93.00} I have made online disputes, letter disputes and also sent a consumer fraud reports to the FTC & all bureaus & now making complaints to the CFPB to have these Removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Block, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2022, my boyfriend, who I am now the caregiver of. A little background information is last spring we got into a horrific car accident and he lost both of his legs. Since i I had to write my job so he didnt have to move into an assisted living facility. We have an apartment at the VA and life has been ac struggle to say the least. He finally was allotted {$100.00} to pay his caregiver which he sent me via cash app. Well he was not aware that I had changed my cash app since I no longer had access to my former company email. That email no longer exists ( I called my old job to see if they could deactivate my email once again but their IT guy would charge them more than my {$100.00} earnings ). So since I cant get into this email or the phone number ( my company cell number that has been disconnected or changed ), Cash App basically told me there was nothing I could do to rob that they could do to get into this account. I even sent the XXXX, without her request, but trying to be proactive, a copy of my drivers license, a pic of me holding my license, ac picture of my passport and a copy of my social security card, to which they said absolutely nothing. They wont even send the funds back to XXXX XXXX ( sender ) so he can send them to the correct account. So this {$100.00} is just sitting in limbo ( he sent me {$5.00} extra dollars so I could get the entire {$100.00} after the cash app fees ). Please help me. Ive spoke to for costumer service representatives ( XXXX over their chat feature and XXXX over the telephone ) and XXXX XXXX via email without any resolution. 
My old cash tag was : $ XXXX Amount : {$100.00} Transaction Identifier : XXXX Sender : XXXX XXXX Cash tag : $ XXXX Thank you for your help and your time. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: TN
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:
Multiple fraudulent credit inquiries using my name and social security number were made to different banks including XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX. They were made in XXXX and XX/XX/2022. I have contacted Experian to have these credit inquiries removed.

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 2023-08-07
Company: Affirm Holdings, Inc
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had ordered an XXXX Laptop and it didn't arrive when it was supposed to. Affirm scheduled payments for me to start making payments and I hadn't received the merchandise. I called Affirm and asked it they could change the due date on the loan as I hadn't received the laptop and wanted to make sure it did, indeed arrive and in good working condition. I was told that is too bad, they aren't changing the due date and that they really don't care if the laptop arrives or not, for me to call XXXX and find out what's going on. I said I ordered through your website, not XXXX and if you distributed funds to XXXX that you want me to pay back, isn't there a supervisor or someone that can find out where my laptop is. I was transferred to a supervisor that basically told me the same thing. Too bad if you never received the merchandise. You need to make payments on it whether you received it or not. I have since received the laptop. Second complaint about Affirm is that although I disabled and removed my debit card from my account, they went in this morning and helped themselves to {$290.00} from my debit card that I had disabled on their website. I did not authorize this transaction. I will file a dispute with my bank tomorrow as they need to wait for it to post to open a dispute. It scares me that they took money that I didn't authorize and also that they still list it as being delinquent. They appear to be a predatory lender and have positioned themselves with XXXX, XXXX and many other companies as a way to buy now, pay later. I am in sales and sales are at a historic low. I am trying to keep afloat financially and have nothing set up on auto-pay as I don't need anything to bounce. Please look into this as from what I am seeing on the Internet, Affirm does this quite frequently and this has to be against lending laws and guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions 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:
Under the Fair Credit Reporting Act, they have violated my rights 1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2022-12-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I went to a dealership and they ran unauthorized inquires that they had NO consent as well as most of these inquires I have no knowledge and never applied to these companies. 
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 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 non-monetary relief
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX 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 consent.

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 2023-08-17
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:
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  Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$10000.00} ; DPT EDXXXX XXXX Balance Owed : {$24000.00} ; XXXX  XXXX Balance Owed : {$6300.00} ; DPT EDXXXX XXXX Balance Owed : {$2000.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$1800.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$6800.00} ; DPT EDXXXX XXXX Balance Owed : {$4900.00} ; DPT ED/XXXX XXXX Balance Owed : {$3200.00} ; DPT EDXXXX XXXX Balance Owed : {$21000.00} ; DPT EDXXXX XXXX Balance Owed : {$4000.00} ; DPT EDXXXX XXXX Balance Owed : {$7000.00}.

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 2022-09-21
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The fraudulent information listed below is showing on my cret mine. I am officially disputing the fraudulent information and requested an immediate investigation. please remove the fraudulent information immediately from my file. I have attached all documents required by law and also directed to me by your fraud department. I also listed these laws for your convenience. 

XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ XXXX  ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/2004 ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2022-12-01
Company: WELLS FARGO & COMPANY
State: KS
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:
I paid {$4900.00} on Sunday- ahead of payment due date. The payment shows as received on Wells Fargo website and has left my bank. However, my available credit has been lowered to {$2.00}!!!!!!!! 

Wells Fargo has put a hold on it and refuses to tell me why. I am concerned as this credit card is linked to accounts with autopay. I don't want payments rejecting with fees and damage to my credit rating How can they do this and refuse to explain the " hold ''?

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 2021-08-03
Company: Collins & Hilton Asset Group, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
COLLINSASSET ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a transfer from the same XXXX account that I had made previously to open the business checking account for my NY incorporated company XXXX XXXX and XXXX  with a valid EIN number from the US government registed in my name with 100 % ownership as put on the application to Chase. 

Chase subsequently the next morning, locked my account and cancelled the transfer. They told me it was because it was an external account they don't know of. But the transfer was made from Chase, to a VERIFIED account already that they dropped money in. This keeps getting fishier and fishier. THEY ALSO TOLD ME I WAS NOT ALLOWED TO RECORD THE CALL THEY DON'T PERMIT IT!!!! NY is a single party consent state and I consented ( don't need to say a word to consent ) and I believe by telling me that they were breaking the law. They have it recorded they told me, they also then tried to backtrack and say they didn't say anything, please listen to the call its the truth about how some of these banks collude to mess with a good customer, his business and his HARD earned CASH of his own. No fraud, just fraud on the banks side for locking my money. Fix this problem they are retaliating, its obvious!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Recently I was terminated from my employment with another company. In the termination they stated someone had reported " Account Abuse '' on my XXXX  report and that I should obtain a report. I obtained a report and just received it. On the report Citibank is reporting an account as account abuse and charged off. Firstly I am a victim of identity theft, I never authorized any account 's to be open with this bank, I did not receive any checks from this bank. I did not receive any debit cards or any information about this account being opened from this bank. They did not call me to clear the fraud alert on my credit file and instead allowed the fraudulent account to be opened. Last year I had to file bankruptcy because of the Identity theft and all of the charges that occurred this account was not only included but it was discharged. However Citibank assumes I owe them for an account I never authorized. They are illegally attempting to collect a debt, and Illegally providing false information to XXXX about an account I had no knowledge about. I never authorized anyone to use my information, My wallet was stolen and CITIBANK WAS NOTIFIED. Citibank continues to choose to violate my consumer rights and continues to report the account monthly to XXXX as account abuse and all I have of this account is the last 4 numbers that's all it shows I never received any documents from this account, and I never received any monetary benefits from this account. XXXX is the last 4 digits and all it shows with a balance of {$900.00} It says Reported for " Account Abuse '' I didn't abuse any account 's because I DIDN'T EVEN AUTHORIZE THIS ACCOUNT. How can you open fraudulent accounts in peoples name without their permission, and then proceed to report it as account abuse are you kidding? There is no abuse because I never received anything from this account. ID Theft affidavit is below. Bankruptcy was discharged XX/XX/2021. You are illegally reporting false information and did not verify anything.

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 2022-06-29
Company: Bread Financial Holdings, Inc.
State: MA
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:
Comenity bank owned by bread financial has been down for a week. Nobody can access our accounts, the phone lines do not work and there is no way to get any information about what is going on. The notice on the website says it's " planned upgrade that is taking longer than expected '' but the company did not inform anyone of any " planned '' upgrade and it's now been a week with no access to our accounts or any statement from the company about what is actually going on with our extremely important information. I, and many others believe there was a data breach and the company is trying to hide what actually happened, website upgrades don't take this long.

Company response to consumer: Closed with explanation