BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-11-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: TapTap Send Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Created taptapsend account on Fri XX/XX/XXXX to send my brother abroad some money. I entered all my personal data, including my debit card. I sent a small amount on Saturday ( less than {$200.00} ). Got a sucess sent screen for which i have a screenshot. They then never informed me but apparently suspended my account. multiple messages and calls, and no one coudl tell me why. finally today XX/XX/XXXX, they send em an email saying they confirm my account si suspended byut give no reason for it. I believe this company si a front for stealing American citizen 's financial data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXXXXXX XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this 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 non-monetary relief
Consumer complaint received 2023-02-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$900.00} ; XXXX XXXX XXXX XXXX  Original Creditor : XXXX ) XXXX Balance XXXX {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Flexible Finance, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
A few days prior to the XXXX of XXXX i enrolled in the app Flex Rent to assist in paying my rent. What they advertised was that they split your rent payment up over the course of the month allowing you to not have to pay all at once. I went ahead and paid more than half of my rent to them. A little over {$1100.00}. They said they would pay my rent in full. This never happened and there is absolutely no way to contact anyone at this business. Now they have my money and my rent is late and im incurring fees. I have done everything i can to reach these people. I have even contacted the bank they use thats listed on their site. NOTHING WORKS!! This is so awful and now im so desperately looking everywhere for help. I just want my money back and the fees paid so i can pay my rent and move on from this. I have done my own research and have found that this is an habitual thing for this business. They are hurting people so badly and have no care in the world.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02
Company: Oklahoma Student Loan Authority
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have requested my disclosure documents for opt out of this reporting and they have not responded in 30 days of receiving

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently acquired a copy of my credit report and discovered that my identity has been stolen, which has deeply alarmed me. At present, I am in the midst of purchasing a home for my family, and this unfortunate incident of identity theft has had a detrimental effect on my situation. Therefore, I kindly ask for your urgent assistance in removing these deceitful accounts from my credit report. Please see attached documents

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 2020-02-24
Company: Midwest Recovery Systems
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 status incorrect

Complaint:
I just checked my credit report today, XX/XX/2020. There is a new " delinquent account '' listed from Midwest Recovery Systems. It states that the account with them was opened on XX/XX/2020 and that I have a debt of {$1500.00}. I have never received any communication from this company whatsoever, not by email, phone or mail. When I tried to phone the company, I was placed on hold for several minutes and then the call was disconnected. I have no idea who this company is and I would like them reported and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX 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 explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX  has falsely reported debt, false dates and false statements/signatures since XXXX  on 3 of my credit reporting agencies. I closed the account with a XXXX balance after only 6 months in XXXX  they told me Id still receive a {$35.00} fee for anual charges, I disagreed to pay that because it was charged already in the beginning as they all do that, plus I didnt have the card pass 6 months! They now want {$680.00} from {$35.00}? They only gave me {$150.00} limit which I paid in full!! Its been a 13 year nightmare with them! They continue to call and harass family & myself under scam or unknown numbers so they dont get caught!! I paid XXXXXXXX XXXX twice to remove them and they did, only to have XXXX XXXX XXXX  falsely report again with new dates and new balances! This is 13 years of harassment and lost money on high interest due to false reports!! Paying attorney fees! Hold them accountable! Theres no debt, never was!!!

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 2022-12-27
Company: Chime Financial Inc
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My spending account was hacked on XX/XX/XXXX, from someone I've never heard of or did business with, and they still refuse to resolve this issue. Date given was in XX/XX/XXXX. The only number you can call is their Customer Service at XXXX ( XXXX ) XXXX only to speak with people with heavy accent that you can't understand, be transferred to one department to another, and be told a different or the same scripts. The transaction is so obviously a scam! Can not reach anyone that I can escalate this to. This company has THE WORST customer service ever. This is my only card I pay bills & use. They took {$680.00} that I was informed will be put back after 10 business days, I still can't use!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-05-02
Company: EQUIFAX, 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX Balance : {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I tried to dispute with the pro collect co. 
1.this co call the 27 times XXXX before I find out was collection agency without notification Letter. they say they can not find my file, so ignored it. still calling me. 
then they said file disput through their website. 
2. once I found out disputed right away but still got calls everyday 3. still got calls 36 times after disputed XX/XX/2022, 4. I received letter from them on XX/XX/2022 that I owe money for {$1600.00} wrong statement. sent mail disputed letter with all the documents that I don't owe money. 
5. No response, just keep calling every day. yelling at me not to use speaker phone 6. Impossible to work with this co.

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 2021-08-20
Company: Square Inc
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
For the second time this week I have received a Visa Debit card that was fraudulently opened in my name. The first was from XXXX, I managed to get that account closed. The second one is a Cash APP on XX/XX/2021 this card from is Square Inc and also is fraudulent but there is no way to contact them to shut this it down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2023, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
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:
Greetings My name is XXXX XXXX and I am a professional XXXX XXXX XXXX XXXXXXXX and XXXX XXXX licensed cab-driver. I applied for the SBA EIDL in 2020 and was approved for a loan for the amount of {$9000.00} dollars. My funds were disbursed into my Chase Bank personal checking account in XXXX of XXXX. However, I was denied access to those funds because a Chase Bank representative stated that " I was not entitled to that money ''. Essentially since I am not a business owner, I was denied access to my EIDL funds and my bank account was closed. Chase Bank provided me with a check of the amount of money that was in my checking account but not of the SBA loan. 

Ever since then I have done everything in my power to retrieve those funds. I have called Chase Bank and have visited different branches in order for me to retrieve these funds. Chase Bank representatives keep stating that they sent the funds back to the SBA. However I call the SBA, I keep being told that they never received the funds from Chase Bank. There is too much of a run around when it comes to getting answers and this is my last resort. 

I find all of this to be unfair because my business suffered economic hardships due to the lockdown. All I am trying to do is know the status of my funds and if I will have access to my funds. 

I am being asked to make payments toward my EIDL funds that were never received or used by me. I kindly ask that I be assisted with the following issues : 1. I want to know whether or not the SBA or Chase Bank has my funds.

2. If there is a way for me to retrieve this money 3. Finally, if I do not receive these funds anytime soon, if I can be forgiven for this loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

The accounts that I am referring to are the following : -- -- -TransUnion 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