BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
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:
According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$110.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$64.00} ; XXXX ( Original Creditor : ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed XXXX {$8600.00} ; XXXX XXXX Balance Owed : {$5900.00} ; 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 2021-05-05
Company: EQUIFAX, 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:
When i pulled my report I discovered there were some erros on my report from companies that were reporting on my credit. Here are the creditors : XXXX XXXX XXXX XXXX # XXXX, XXXX Account XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: OH
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please see attached identity theft report which states further detail in regard to the fraudulent account published on my credit profile without authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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:
I reviewed my Consumer Reports and noticed that I had erroneous reports on several accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts which leads to their erroneous status : XXXX XXXX Balance : {$7.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$580.00}

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 2022-02-14
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my tXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
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:
I mailed a dispute to Experian XX/XX/2023 to have this alleged debt removed from my consumer report. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report 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 explanation
Consumer complaint received 2023-09-17
Company: LJ Ross Associates
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with L J Ross Associates. On XX/XX/2023, LJ Ross Associates reported a balance of {$500.00} which negatively affected my credit rating. I asked for validation of the debt to which they did not provide. I have disputed this account with XXXX, but the account was not removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
As of XX/XX/2021, I was invited to invest in crypto currency by Robinhood and XXXX. Due to the approval of the SEC and the SPIC, my choice to partner with these companies clearly trusting the SEC, SPIC oversight for a fair market. The advertising clear XXXX fees {$3.00}, {$2.00}, {$1.00}, {$.00} and a small % of possible costs. Then Robinhood NO commission 's and XXXX transaction fees. Understanding these points of advertised service is BAIT. Now 6 months of activity has revealed a automated Pyramid scheme, solely relying on multi-departmentalize misinformation advertising campaign with misleading advertising terminology and a real-time vs. Ever-changing predatory algorithm set setting unfair market margins and the automated algorithm that ignores orders made, without excuse and instant buy & sell option that is predatory and like XXXX algorithms giving the user a private varying graph set that is tuned to that user 's investment activity. Termed BAIT & SWITCH automated pyramid scam operated by a broker/dealer falsely listed as a fair inflation market exchange named ROBINHOOD and XXXX. The automated and employee response has been summed up as " don't use it. Or, So do you have screenshot evidence of your concern of unethical or technical problems? '' Both, aren't a excuse. 
As for XXXX has presented similar issues with the same or similar predatory investor algorithms in addition NO order options only the Buy & Sell buttons. Now the price you sell at is NOT firm, it continues to change for minutes and/or an hour after the transaction is final, termed Securities Fraud. Due to one professional attempt to resolve these concerns with Robinhood and noticable automated retaliatory activity when firm orders go ignored more then 40 times in one instance, I have reserved myself and awaiting a SEC enforcement action to be compensated for my claim for monetary damages and emotional destress in addition to avoiding all unnecessary legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
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: Account information incorrect

Complaint:
The companies XXXX, XXXX and TransUnion are a private business that earns and makes a fortune from your most private belongs, your private information!!! 
You, your name, your details, your private life and your businesses are taken and transformed into the property of the XXXX, XXXX and TransUnion companies, and they sell your private and personal information or spread wrong information about you!!! 
XXXX, XXXX and TransUnion are private businesses that earns and makes millions at your expense and from your private assets Plus, they damages your identity, your good name and causes you financial damages! 
Do not let them! 
XXXX, XXXX and TransUnion are private business that follows you, stalk you and collect information about you They takes advantage of you and your private life! 
They get involved in your business and sells your personal information at any cost, even at the cost of mistaken information and damage to you and your family! 
XXXX, XXXX and TransUnion track and post information about you without permission or consent! 
Do not let them! 
Stop them!!! 
Request and demand to remove your name from their databases and don't let them spy, follow you and spread wrong information about you!

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 2023-06-05
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:
I hope this message finds you well. I write to inform you of a serious matter concerning our previous interactions. Specifically, I believe there has been a violation of the Fair Credit Reporting Act ( FCRA ) as it pertains to the handling of my account. 

I have documented these concerns in a formal complaint, which I have sent via XXXX mail. Please note that this communication serves as an official notice of my intent to file a lawsuit if the situation is not addressed in a timely and satisfactory manner. 

I expect to be contacted by your legal counsel or appointed representative in the shortest possible time. Please do not respond with the standard 'verified ' or 'accurate account ' rhetoric which seems to be commonplace in such circumstances. Instead, I am requesting for your full attention, responsibility, and prompt action in this matter. 

I hope that this can be resolved amicably and promptly, without necessitating further legal action. However, rest assured that I am prepared to protect my rights under the law. 

Please treat this matter with the seriousness it deserves. I look forward to hearing from your legal representative soon.

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 2021-09-02
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that still reporting on my account : DEPT OF ED Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: NC
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:
There are still accounts under my name that are reporting inaccurately. I have already sent them to the credit reporting agency and yet they haven't removed or updated those accounts I am complaining about. See attached documents for these accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: NC
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:
There are still accounts under my name that are reporting inaccurately. I have already sent them to the credit reporting agency and yet they haven't removed or updated those accounts I am complaining about. See attached documents for these accounts for your reference.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
After numerous attempts to work with Wells Fargo, they repossessed the vehicle and bullied me into having to pay them a balance after the vehicle was repossessed and sold. This happened in either XXXX or XXXX and I am uncertain as to the exact amount but Wells Fargo should have some record of this incident.

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 2021-09-19
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I closed my account on XX/XX/2021 with a positive balance and was due a refund of {$120.00}. I recently disputed successfully an authorized transaction and recently providing additional information to a representative who had called me. 

The bank reported my account to the credit bureaus indicating that I owe them money on XX/XX/2021.

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 2023-08-01
Company: EQUIFAX, 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 am interested in processing disputes on my credit report to delete an remove all inaccurate information with Equifax. ive reported alot of errors to all credit bureaus an nothing has been updated. this is my 2nd attempt to delete an remove all invalid data. please review an remove the listed items to clear an correct my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: SC
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 called in to Equifax after pulling my credit report. The company Equifax itself is pulling my credit report just about every single day. I have 50 inquiries from Equifax without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: ONLINE Information Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: JPMORGAN CHASE & CO.
State: AL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked a stay through Chase XXXX for a single night at a hotel ( booked on XX/XX/2021 for a stay on XX/XX/2021 ). There were so many issues with our hotel room : no hot water ( until XXXX when we could finally shower ), the bathroom fan did not work, the bathroom door did not shut, the bed was uncomfortable and creaked non-stop, the lights in both the bedroom and sitting room flickered to the point of giving us headaches, and the bed was missing sheets! I have photos and video of these issues. After the terrible experience at the hotel, I asked Chase XXXX for a refund. Chase XXXX will not issue a refund until the hotel authorizes it, but the hotel is not responding to me or Chase XXXX for a month now. Chase will not dispute the charge against Chase XXXX ( I booked through them ), leaving me with a bill ( {$480.00} ) for a hotel stay that was not nearly worth what was paid. I've tried calling Chase XXXX several times and now the Chase dispute department but am unable to do anything to fix the situation. They only suggest to wait, meanwhile I have to pay the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}. Please delete.

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 2018-04-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. My office was broken into and several identity documents were stolen and have been used to open fraudulent accounts and make fraudulent transactions in my name. I filed a police report after the theft and have attached a copy to this complaint. 

I ordered my Certegy report and found the following information that does not belong to me : Outstanding Items : Date : XX/XX/2015 Merchant Location : XXXX XXXX Amount : {$75.00} Check Number : XXXX Date : XX/XX/2015 Merchant Location : XXXX XXXX   Amount : {$5.00} Check Number : XXXX I have never done business with XXXX XXXX   and I have never been associated with either of these checks.

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