BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing this complaint to LEXISNEXIS I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Recently i did an investigation on my credit report, which caused XXXX XXXXXXXX and found unverifiable, invalidated, inaccurate and questionable items that your agencies did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, everything has to be 100 % on my credit report and under 15U.S.Code 1681e ( b ) and 15U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-12-07
Company: EQUIFAX, INC.
State: NY
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On my Experian credit report there is a bankruptcy that states that the information was given but the XXXX XXXX in XXXX Texas. When I spoke to the clerks office they said that they don't report anything to the credit bureaus, even provided a letter to support what they said. When I call Experian again they laughed and said the information was obtained through XXXX XXXX and so I submitter a claim stating that the information is not accrete because they are saying the information was obtained from XXXX XXXX XXXX. When they completed the review they said the information was verified, but they did not get the information from where they are reporting they got it from.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX, TransUnion, and XXXX regarding a XXXX collection account that I wish to dispute. The details of my complaint are as follows : I recently checked my credit report and found that there is a collection account from XXXX on my credit report. However, I believe this collection account is inaccurate and should be removed from my credit report. I have attempted to dispute the account with all three credit bureaus, but have not received any resolution to my satisfaction. 

I believe that this inaccurate reporting is damaging my credit score and hindering my ability to obtain credit and other financial services. I request that the credit bureaus conduct a thorough investigation into this matter and remove the erroneous collection account from my credit report. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that the credit bureaus are accurately reporting consumer credit information. Thank you for your attention to this matter. 

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 non-monetary relief
Consumer complaint received 2023-03-24
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: Their investigation did not fix an error on your report

Complaint:
XXXX keeps passing my accounts around and never paid me regarding the data breach. After coaxing me with promised increases on my credit score and utilizing information supplied by XXXX XXXX  ( without consent ) my credit score DECREASED. XXXX is still using my data and account info.

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 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 BALANCE ON MY XX/XX/XXXX/XXXX VISA ACCOUNT IS INCORRECT. PLEASE UPDATE WITH CORRECT INFORMATION.

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 2017-06-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX, and Experian with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX, XXXX # : XXXX. Please remove all non-account holding inquires, all addresses except my current address of XXXX XXXX XXXX XXXX, IL XXXX. These aliases reported are not my names and need to be removed : 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 2023-08-29
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
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: Their investigation did not fix an error on your report

Complaint:
XXXX keeps passing my accounts around and never paid me regarding the data breach. After coaxing me with promised increases on my credit score and utilizing information supplied by XXXX XXXX ( without consent ) my credit score DECREASED. XXXX is still using my data and account info.

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 2020-04-15
Company: Square Inc
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I Have An Account With Cash App. I Went To Make A Withdrawl For {$280.00} And It Was Taken Out Of My Account But No Money Was Dispensed Out Of The ATM. I Went Inside The Store To Complain And Was Told To Call Number On ATM. I Did. I Was Transferred To Headquarters Where They Told Me Contact My Bank. Well With Cash App There Is No Phone Option Only Support By Email Through The App Or Web. I Have Sent Several Emails Back To Back Asking For My Money And For Help And I Have Not Recieved Either One. Its Been Well Over 24Hrs. The Transaction Was Done At XXXX Eastern Time. I Tried Doing The Transaction Again Hoping That It Was Just Something I Did Wrong And It Was Declined Cause The Money Had Been Removed From My Account The First Time Without Giving Me Any Cash. Please Help Me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-08-09
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Subject : Complaint Regarding American Express 's Failure to Refund Annual Fee. Business account referencing XXXX. 

Dear Sir/Madam, I am writing to file a formal complaint against American Express regarding their failure to refund the annual fee for my credit card account. Despite multiple attempts and assurances from their customer service representatives, I have not received the promised refund even after the specified time frames have passed, which has exceeded 90 days. The balance owed is {$700.00}. 

On XX/XX/XXXX, I received communication from American Express stating that the annual fee on my credit card account would be automatically refunded. However, after the fee was not refunded as indicated, I reached out to their customer service department. In subsequent conversations, I was informed that the refund process might take up to 90 days to be completed. I patiently waited for this period to elapse before contacting them again. 

On XX/XX/XXXX, after the 90-day waiting period had concluded, I contacted American Express XXXX XXXX about the status of my refund. To my surprise, I was informed that there was no balance on my account that necessitated a refund. This was puzzling as I had clearly been charged the annual fee, and I had received prior communication confirming the refund process. My online account also shows I have a negative balance. 

In an effort to resolve this matter, I contacted American Express 's customer service once more on XXXX. During this conversation, I was informed that the refund would be transferred to another account of mine within 1-2 business days. However, as of the current date, XX/XX/10, the refund has not been credited to my account as promised. 

This ongoing lack of resolution is causing significant frustration and inconvenience. I rely on accurate financial transactions for managing my budget and making informed decisions. The inconsistent and contradictory information provided by American Express 's representatives has eroded my confidence in their commitment to customer satisfaction. It is my belief they are negligently withholding my funds. 

I kindly request your assistance in resolving this matter promptly. I believe that as a consumer, I deserve transparency, accurate information, and timely resolution from financial institutions. I would appreciate your intervention in ensuring that American Express honors their commitment and processes the refund as promised. 

Thank you for your attention to this complaint. I trust that you will investigate this situation thoroughly and help facilitate a resolution. I eagerly await your response and a satisfactory resolution to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX is reporting {$500.00} was not paid. Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX, XXXX XXXX and Equifax to give notice that this creditor is providing false information. Unfortunately, Equifax continue to report this error. This account was paid in full by the insurance company through XXXX XXXX when I injured myself at work and was no longer able to work. This loan had insurance, that was paid for in the event I could not work, which is what happened. The creditor ( Branch Manager ) was aware that I had insurance on this account he helped me file it. I filed the claim and money was paid to XXXX XXXX to cover the balance owed. Equifax is aware this was an insurance claim that was paid in full. Equifax decline to remove this error or put notice I was disputing this debt so that creditors would see it when pulling my credit report. This is a fraud account. 


XXXX XXXX XXXX is reporting I own {$670.00}. Original Creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXX. This was reported as a fraud account. A police report was provided, Equifax continue to report this against my credit file. The creditor was given written notice that this was a fraud account, they decline to remove this derogatory report off my credit file after months of trying to get this error corrected. Equifax declined to remove it and declared it valid even after notice was given that this was a fraud account. I asked Equifax to provide evidence that the creditor validated this claim, no response to my request. 
XXXX XXXX XXXX {$1800.00} is owed to them. XXXX XXXX XXXX XXXX XXXX XXXX I have never lived in an apartment. I own my own home. My identity was compromised during this time, a credit card was open as well as someone rented an apartment using my social security card. XXXX declined to request photo identification before putting a lease in my name. I contacted XXXX XXXX and was told the company was sold and no records could be found. XXXX still continue to report this with no evidence to support this claim is valid. I own my home and never lived in an apartment and do not know anyone who lived there. Equifax declined to have this removed and continue to report it after several disputes. This is a fraud account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: CT
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 2023-08-29
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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