BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX # XXXX XXXXut account # XXXX XXXX XXXX # XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX & XXXX Dept of Treasury account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX & XXXX XXXX CXXXX account # XXXX XXXX  XXXX account XXXX XXXX XXXX  account # XXXX XXXX XXXX  Bankruptcy Ref # XXXX 15 U.S.C section 602 A. Section 2. 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 my 14th 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2023 XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX Balance : {$0.00}

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 2023-01-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I leased a XXXX XXXX XXXX through XXXX. When my lease was up this past XXXX, I leased a XXXX XXXX XXXX XXXX through XXXX. The dealership purchased the XXXX XXXX and paid it offbin full. XXXX  showed the payment for the month of XXXX as being over XXXX  days past the due date on the XXXX. That " late '' payment affected my XXXX XXXX and dropped it significantly. 

I don't know what to do to get my XXXX XXXX back up. It went from XXXX in XXXX to XXXX last month

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 2023-12-07
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:
XXXX XXXX XXXX XXXX committed fraud, i reported that they have tried open up other accounts in my name, i want this account taking off my credit report, this credit cars is not mine and they are reporting this account is being closed i use to be a customer of XXXX XXXX XXXX XXXX until they started using my information to open other accounts in my name, please delete this account and block it ftom my credit report, im filing this complaint to give to all credit bureaus i am a victim of identity theft, please remove this account off my credit report, this account is fraudulent. XXXX XXXX XXXX XXXX has stolen my information and used to open this account, please remove this asap thank you .im also going to send a copy of a data breach showing my information was also leaked and this is how XXXX XXXX XXXX XXXX had gotten my information.

Company response to consumer: In progress
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: MO
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 has violated my Fair Credit Reporting Rights by not honoring my certified mail request on XX/XX/ request to remove inaccuracies from my credit report. I reported inaccurate information related to my personal information and remove old addresses that do not belong to me. I have a FCRA right to have accurate credit reporting from each credit reporting agency and all reporting agencies should be reporting the same information. 

I have one name : XXXX XXXX I have one address : XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 

I sent a copy of my state issued drivers license and a copy of my social security number as verification. However, my records were not updated. There are still 23 addresses that do not belong to me. Please remove all addresses except for the address listed on my ID. 

Also, the following items are disputed and I am requesting verification of the steps taken to validate the following debts : Who you spoke to? Where did you go to validate the debt? Provide a copy of the original debt with my wet ink signature signed with the actual reporting agency? A detailed accounting showing how the account made their determination from the day the account was established? Documentation to show these transactions were indeed made by me not a transferred security? Please provide original documents not verification from E-Oscar with is a violation of my FCRA rights. I am also a victim of identity theft and have a right to remove inaccurate accounts. 

XXXX is liable under the SEC to follow federal rules according to the FTC and SEC. If this is not corrected, I as a consumer will filing Form 211 Treasury OMB Forms to audit a consumers account. XXXX is securitizing my data but is refusing to provide me with accurate reporting and full disclosure related to my consumer file. 

The following accounts are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no co applicant. Im not married. 

Please update my info to the one address on my ID. 

All addresses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 166b A Creditor MAY NOT treat a payment on credit account under an open and consumer credit plan as late any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt has been sold to another company. The age of these debts is over 7 years old and they kept selling it to come back at me. What can I do to protect my credit score when they keep hitting with a new company? RMP, LLC XXXX XX/XX/XXXX RMP, LLC XXXX XX/XX/XXXX RMP, LLC XXXX XX/XX/XXXX RMP, LLC XXXX XX/XX/XXXX RMP, LLC aka XXXX has been hounding me for years they sold to RMP, LLC and now hitting my credit. What is there to do to protect me from this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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: Account status incorrect

Complaint:
I am writing to file a complaint against XXXX, Trans Union XXXX XXXX. On XX/XX/XXXX I filed dispute letters against XXXX, who inaccurately reported me being 30 days late on my credit card account on XX/XX/XXXX. When I contacted them back in early XXXX, they wrote me back via email and assured me that the item would be removed within 60 days. This did not happen. So, I contacted them again in early XXXX & followed that up with a complaint to each bureau on XX/XX/XXXX. However, it's been 30 days and I have not heard back from any agency. In addition, XXXX not only refused to remove the inaccurate information, they doubled down and now report the same inaccuracy two times now! 

Secondly, I have an additional complaint with XXXX. They are reporting me as being 30 days late on my credit card back on XX/XX/XXXX. Again, I also contacted them back in early XXXX and obtained a written letter stating that the item would be removed. And again no action has been taken. So, once again, I followed up with a complaint to each bureau on XX/XX/XXXX. However, it's been 30 days and I have not heard back from any agency. 

My complaint is that based on their own policies, if after 30 days these complaints have not been verified, these inaccuracies must be removed 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 2021-09-16
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Square Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I sent an instant transfer to my debt card. The transaction was successful but the money never made it into my account. After 3 days, my bank was able to verify the funds were successfully transferred but I exceeded the daily and monthly limit of the transfer. Mastercard also was required to hold onto the funds for 8 business days. On XX/XX/2021 my bank released my money back to cash app as a charge back ACH. I was given the reference number and trace number to provide to cash app. It's now XX/XX/XXXX and I still have not received my funds back in the amount of {$2500.00}. Cash app will not take my information of the reference and trace numbers to help me locate my funds. I'm being told by 1 Department they are still in progress of working on it and they will email if they need any additional information. To this point nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: VA
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:
Tried to correct this numerous of times XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX  Equifax XXXX And XXXX said that my disputes for verified and 100 % accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section2 it also states consumer reporting agency can not furnish account without written instructions 15 USC 1681 section 603 ( 3 E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. My rights has been violated and I demand that these accounts be remove immediately its been over 3 months with no evidence of the procedure of this investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9100.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX.

Company response to consumer: In progress
Consumer complaint received 2019-11-25
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 been a customer with CASH App for several years. I reserved a XXXX for my birthday event last night, XX/XX/24, at XXXX XXXX. I received an alert that my card was declined. So I tried again. No luck. I then logged into my CASH App account, and then I was made aware the account had been closed and the steps that I need to take to retrieve my funds. Meanwhile, my birthday event is going on and I was unable to attend. There was no way to contact anyone, other than clicking the Support button, which is only by email. I STILL have not heard from this company, and I have over {$2500.00} in that account. The app will not allow me to transfer, withdraw, or anything. I have XXXX small children, the holidays coming up, and no access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: CITIBANK, N.A.
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:
I have contact all three major reporting credit bureaus and the company reporting the account advising the account and information reported is in violation of 15 U.S. Code 1679c. The account has been disputed numerous of times and has not been removed from my credit report. This company reporting the account is being unfair and attacking my livelihood. It's a defamation of my character and violate the retention of compliance records for age of reporting. The close account should no longer be on my credit report according to the federal government code listed above.

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 2021-09-16
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Last month I received a child tax credit check from the IRS and went to Mobile deposit it through the app which I had done with the previous one with no problem, but this one for some reason it kept telling me that it couldn't read it for days I tried and it kept telling me it couldn't read it and finally I got it to accept it and later that day I got a message saying the check couldn't be verified and was not deposited and that I could take it to a third party to cash it such as XXXX. But because for mobile check deposit when you endorse the check you write for deposit to chime only on the back of it XXXX told me they wouldn't take it and chime recommended that I contact the IRS to reissue the check. So I did, but the IRS wouldn't reissue the check they said they would split it up into the remaining checks that would be received. So a month later I got another check and went to mobile deposit it and I wrote very clearly on the back of it for deposit to chime only so that it wouldn't have a problem reading it only to find out that my mobile check deposits had been disabled which I was not notified of. So now I had another check that was endorsed for chime that I couldn't do anything with and I spoke to customer support at chime supervisor after supervisor until the last person told me they were the highest person to speak to and were telling me that they could not turn on my mobile check deposit. That they could evaluate eligibility for mobile check deposit at any time and disable it at their discretion. But this person was telling me that for no reason whatsoever could they turn it back on and this was disabled due to nothing on my part it was chimes system that aired and rejected the check that caused it to be disabled on my account and all I was told over and over and over is that chime reserves the right to determine your eligibility for mobile check deposit at any time but they couldn't turn it back on so due to chimes error I've now had two checks that I can't put in my bank accountand as I said the XXXX at my location absolutely will not do it and so now I have two checks that I have not been able to do anything with except have them canceled by the IRS and wait yet another month to see if they add it to the next one they send

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSWORLD SYSTEMS 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:
I have received correspondence from these two companies that I have no legal bound to trying to collect a debt with no contract or signed document by me giving them the authority to collect any debt from me. As the law requires curtain steps be taken before any company is able to collect any debt. this is a direct violation of the FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692d section 807 ( 1 ) ( 2 ). That leaves these accounts null and void.

Company response to consumer: Closed with explanation