BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: PA
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:
Credit inquiries on my Experian and XXXX Credit reports I did not authorize

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 2022-06-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: IL
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:
There are XXXX inquiries on my Experian account that I don't recognize or didn't do. they need to be removed. 
the inquires are, 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 2023-11-27
Company: EQUIFAX, INC.
State: TX
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 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  15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NV
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:
A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04
Company: Velocity Portfolio Group
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE NEW AND UPDATED INFORMATION, PLEASE SEE ATTACHED DOCUMENTS. CKS. HAVE REMOVED THE COLLECTION FROM XXXX AND XXXX BUT NOT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to follow up on my previous requests for the reinvestigation of several accounts that I believe to be inaccurately reported on my credit file. As per the regulations, I understand that your company is required to complete these investigations within 30 days of receipt. However, despite my repeated attempts to contact the listed companies, most of them have no record of me. Therefore, I strongly question how they can claim a permissible business purpose for accessing my credit if they lack knowledge of my identity. I urge you to adhere to the Fair Credit Reporting Act and conduct a comprehensive investigation into the following accounts : XXXX XXXX XXXX XXXX. Please remove this fraudulent account in my credit ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was buying something from this guy online for exactly XXXX XXXX we went through paypal. Didnt work, then cashapp, didnt work. Then XXXX, Didnt work. And then we finally landed on zelle. After he sent the money he shipped the item ( he didnt ) and just ate my money I need help ASAP. The bank denied me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with IC Systems, XXXX XXXX  this debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. 

All of my personal Belongings were in a XXXX  that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform I C SYSTEM, XXXX XXXX XXXX, XXXX XXXX XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 

Sincerely, 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 2022-07-30
Company: BARCLAYS BANK DELAWARE
State: IL
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:
End of XXXX I have made a payment to Barclays XXXX for {$390.00} using my bill pay with an outside bank. Since the payment appeared to meet the deadline I have called Barclays and I was informed that the payment was never received. Subsequently I then paid the whole amount of the statement plus some pending activities over the phone at around {$1200.00}. I was also advised to put a stop payment on the missing check which I did. However the company informed me that the payment was actually processed despite being told that the payment was never received resulting in {$39.00} payment denied charge. On XX/XX/29 I have made 3 phone calls with the following results : Call # 1, the CSR couldn't locate the charge stating that it doesn't exist. When I questioned whether she was properly trained to even look up the account I was put on a very long hold to verify the info and then hang up on. 
Call # 2, I called the call center and after a long hold transferred to the supervisor, XXXX. After the verification, the call was subsequently disconnected by the supervisor without warning or cause. 
Call # 3, I finally called and after undergoing a verification process transferred to the supervisor XXXX. XXXX took many notes on the account and at the end informed that that regardless if there was a " miscommunication or not '' he doesn't have an authority to remove the {$39.00} charge. 

It is obvious that Barclays XXXX is doing business this way to accrue unnecessary fees. Not only after many problems I was finally sent a paper bill which I requested for weeks, and now the company is misleading the consumers on whether the payment has been received on not. The transaction log shows that by the time I was told the payment was not received it actually was received but not processed. That's the reason I opted to pay in full while putting a stop payment on the check that should have been processed to begin with.

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 monetary relief
Consumer complaint received 2022-07-30
Company: Aldous & Associates, PLLC
State: CO
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:
I have applied for a new mortgage. XXXX Credit report indicated I was sent to collections for a {$100.00} bill from XXXX XXXX in XXXX XXXX, NC. I have statement from manager of this organization that this account was PAID in FULL and in GOOD STANDING. Report is on my account as ALDOUS XXXX XXXXXXXX assured me he contacted their legal team and they would correct the issue. The only thing their legal team did was to indicate the account was CLOSED. They did not remove the faulty COLLECTIONS report. This has led to a Lowe credit score which led to a higher interest rate which over the course of the loan will cost me tens of thousands of dollars. XXXX directed me to contact you. 
The following is copied from the email from the manager of XXXX XXXX XXXX XXXX XXXX To : XXXX XX/XX/XXXX XXXX, Thank you for reaching out. I'm showing you had a family add-on 15 month PAID IN FULL membership back in XX/XX/XXXX. It looks like it rolled to a month-to-month renewal afterwards. I reached out the our billing services company and let them know to remove you from collections in good standing. Let me know if you have any other questions. 
Thank you! 
-Original Message- From : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
Inaccurate information reporting to my file, I wrote these companies over thirty ( 30 ) days ago requesting a copy of any contract or proof of liability for these accounts but have not received any reply. These accounts are not mine. Please delete these accounts, as required by law, from my records in a way that they will not re-report at any point in the future.

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 2022-12-07
Company: Block, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
So my card was used to to book a hotel room off XXXX. Someome copied down my number number. I reached out to cash app to file my XXXX dispute because the other one was still pending. Maybe a XXXX XXXX later they supplied me with XXXX as provisional credit. I then file a dispute for XXXX. I got a email from XXXX stating that I needed to contact my bank to resolve the issue. I sent a screenshot to cash app inside the app. APPERENTLY cash app support act like they don't know how to handel customer complaints. They turn around and closed my account talking about I was in violation of their terms and services and they had no other information. Now just they other day cash app sent me a email telling me the credit that was given was final and permanent. The they turn around and denied my dispute for XXXX. Which to me makes NO SENSE! Both charges were fraudulent. So how do I win XXXX dispute and lose the other. You know the crazy thing is cash app has a history of denying people disputes leaving customers without any real reasons. Now I called cash app and explained to someone in detail and they said that it makes no sense either it to return all my money amd told me to file another dispute and I did. I wanted up today and got a email saying denied??. Look keep the account closed I could careless about doing business with a deceitful company that's all about money and not customer satisfaction. But I want my money. I'm on a fixed income and don't need anyone stealing money from me especially a company like cash app. Please return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian, and XXXX are inaccurately reporting account number : XXXX ( ( XXXX ) on my consumer report. The date of last active is inconsistent- Experian has XX/XX/XXXX and XXXX has XX/XX/XXXX. Remove this account for inaccurate reporting.

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 2022-07-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2022 To Whom It May Concern : RE : Dispute with BMO Harris Bank XXXX name is XXXX XXXX XXXX, on XX/XX/XXXX, I transferred $ XXXX from my account at XXXX XXXX XXXX to my beneficiary, XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ) at BMO Harris Bank, XXXX XXXX XXXX XXXX, XXXX, IN XXXX. They have held my funds for nearly a month. I have asked my credit union to have BMO Harris Bank to return the funds to my account. This is serious because the money was for family support. The purpose of the funds was to help a family member whose health and business was affected by Covid. 

It should be noted that on the original wire transfer the name of the beneficiary was misspelled and that should have triggered an immediate return of my funds. Bank protocol should have returned my money to me the same day since the beneficiarys name was incorrect. Instead, BMO Harris Bank has held my funds for nearly a month with no one contacting me for a reason. 

My credit union reached out to BMO Harris Bank numerous times and after many attempts they responded with reference # XXXX that the funds were credited to the beneficiarys account. When I contacted the beneficiary, he told me that the funds are in his account but the bank has put his account on hold so he cant transfer my funds. Nobody at the BMO Harris Bank has explained why his account is on hold. This puts my {$70000.00} in jeopardy. I need help! You should note that I have filed complaints with the FDIC, Consumer Financial Protection and Department of Financial Protection. This is a serious situation where BMO Harris is using my funds for a full month for an internal problem they are having with the beneficiary and is unfair to me. This needs to be resolved immediately. XXXX XXXX XXXX has been notified of this situation to intervene immediately to prevent an intense investigation by the FDIC. 

I can be reached at XXXX or XXXX. My address is : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX, XXXX. 
XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX 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 2022-08-23
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 4. i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
5. i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
6. The following personal information is incorrect XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 7. The following account is not mine XXXX XXXX XXXX XXXXXXXX : XXXX Delete this account. 
8. The following personal information is incorrect XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 9. The following personal information is incorrect XXXXXXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 10. The following account is not mine US DEPT ED Account Number : XXXX Delete this account. 
11. The following account is not mine XXXX Account XXXX : XXXX Delete this account. 
12. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Choice Recovery, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX, Account # XXXX XXXX, CHOICE RECOVERY ACCT XXXX, AND 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