BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 non-monetary relief
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/23 i sent letters to transunion in regards to inquiry removals.They fixed no problems on my credit report disregarding the demands i required for my personal credit report. I asked the specialist when i called in do they follow the UCC codes, consumer law etc. The agent responded yes but they ( transunion ) have a different policy and my response was, are you saying that you ( Transunion ) polices are higher than government law she didn't respond.

In regards to my inquiry removals I asked transunion via letter by mail " Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX I also demand you. ( TRANSUNION ) to produce a contract between you and I, consumer bearing my signature showing that I gave you permission to furnish any information to my credit on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file.I received no information on any of the above everything just came back as updated and verified. 15 U.S.CODE subsection 1681A speaks on my right to privacy which my privacy was blantly disregarded by these companies above and must be deleted 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 2023-04-01
Company: Experian Information Solutions Inc.
State: MA
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:
Delete all the fraudulent inquiries on my report effective immediately and they include, XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX XXXX on XX/XX/2023, XXXX XXXX on XX/XX/2023, XXXX XXXX on XX/XX/2023, XXXX on XX/XX/2023, XXXX XXXX XXXXXXXX on XX/XX/2023, XXXX XXXX on XX/XX/2023, XXXX XXXX ON XX/XX/2023, XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-04-01
Company: Experian Information Solutions 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:
On Monday XX/XX/XXXX I filed a dispute for an investigation on the account US DEPT OF EDXXXX Report number : XXXX. Experian has been dishonest on giving me a professional investigation on this account., the dispute only took a day for it to be completed. A true investigation takes under 30 days to complete, I have noticed that when I file for a dispute, Experian updates my social security number, current address, etc. But this time they updated my current address even though I never requested for it to be updated. According to Experians website it states : if the item you are disputing is not a credit item but rather a name or address misspelling, a typo in your social security or other identifying information you can document yourself, your credit report ( s ) may be updated within a week I will have this information attached also with Experian updating my address to this CFPB report. Due to Experian updating my current address they have excluded the investigation on the account US DEPT OF EDXXXX. Pursuant to 15usc1681a ( e ) if Experian does not have a valid method of verification then I demand this account to be removed from my consumer 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 explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 non-monetary relief
Consumer complaint received 2023-04-03
Company: ATG Credit, LLC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I used my XXXX tuition assistance to cover my classes. After 2 years, the college, XXXX XXXX XXXX, never requested the funds be paid from the XXXX. I have zero ability to pay those classes through the XXXX system, as they are required to request the money for classes I've taken. Since they never did that, I am left with a hanging debt I was never responsible for. They then sent my owed amount to collections after I told them repeatedly they needed to request the money from the XXXX. This credit hit is extremely impactful to my security clearances and my general credit power as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: LA
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:
Please see attachments detailing right to privacy violations and inaccurate reporting 15 U.S.C 1681 section A. States I have a 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. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines

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 2023-04-03
Company: EQUIFAX, INC.
State: MD
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 did not give a permissible purpose for all of these inquiries. I have notified the CRA. According to 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. Please remove inquiries immediately XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX Dispute this XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX  Dispute this XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX MD XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX, NC XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX Dispute this XX/XX/XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX  XXXX Dispute this XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX, MD XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
my identity was stolen. attempts to charge merchandise from my debit card was made several times. Money from my savings account was transfer into my checking account. 
someone applied for credit card with 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 2023-04-02
Company: Block, Inc.
State: TX
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:
On XX/XX/2023 my Cash App was charged for two purchases one within minutes of the other, from a company called XXXX XXXX for an amount of {$120.00} and the second charge of XXXX. I immediately went on line and cancelled my cash app card and filed a dispute for the fraudulent charges. Approximately one week later I was issued a temporary credit for both charges in question. 

For the record, I have never given my card or the card number to anyone to use and have NO idea how my card was even compromised. 

Approximately one month later I received an email stating that the dispute was denied after their so called investigation. However, I tried looking up the company name XXXX XXXX and although there are variations of that name there is no company I found that is actually that name. Therefore, I found their so called investigation to be lacking the evidence needed to dismiss my claim. 

I then began trying to contact the support team via chat after I was never able to get thugroh on the so called XXXX # and holding for literally hours at a time. to have there decision appealed. I have asked Cash app to follow up as I found NO company with that name, I asked where the items were shipped if purchased on line. I know they can't tell me the address but what state or city did the merchandise go to, etc. I have gone on line and chatted with support twice in two weeks and keep getting the same robotic response saying their specialty team will reach out to me and asking for my email which I have given twice and still no one has contacted me back about the issue I want to appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-04-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax is reporting inaccurate information on my credit report and it has had adverse affect on my credit score. I reviewed my latest credit report from all three bureaus and asked all three bureaus to ensure all information was accurate and completed according to the fair reporting act. According to law, 15 U.S. Code 6802 states Obligations with respect to disclosures of personal information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given any information regarding this nondisclosure option from XXXX Acct # XXXX, reporting late payments from XX/XX/XXXX thru XX/XX/XXXX, therefore this is a direct violation of this law and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Opportunity Financial, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I entered into a loan with OPPloans without completely understanding the terms of the loan. I'm being charged 130 % on a {$3000.00} loan. This exceeds both the usury limits of Hawaii, where the loan originated as well as Maryland where I currently reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX Acct No. : XXXX NAVY FEDERAL CREDIT UNION Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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 records 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 items XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on 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 2023-04-01
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act accounts listed should be removed immediately and have violated my rights. 15 U.S.C. 1681 section 602 A. States I have a 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. Remove ASAP! 


REMOVE ASAP! I have filed several disputes with Equifax for months AND IT NEEDS TO BE REMOVED ASAP iNQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX GA XXXX I am now up to 128 disputes and they are not removing or verifying just reporting and ignoring. I did not give authorization and have no knowledge of the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Block, Inc.
State: AZ
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:
I have filed a dispute with CASH APP over and over then I filed a complaint back in XX/XX/2022 with cfpb cash app responded with telling me that I needed to verify my account with CASH APP and the complaint was closed So I did what they asked and now nobody knows what I am talking about nor do they know how to help me this hasbeen going on for close to a year now and still I am out {$1000.00} out of my account that is from atm 2 withdrawl three transaction were made only 2 of them they got money from each {$500.00} for a total of {$1000.00} the XXXX COMPLAINT ID from XX/XX/2022 The first transaction was on XXXX XXXX XXXX  {$500.00} XXXX ) XXXX XXXX {$500.00} was declined XXXX ) XXXX XXXX {$500.00} the 1st and 3 rd transaction both atms The response CASH APP gave has been just one more way to not give me back my money I have called and called CASH APP and nobody knows anything about anything or what to do PLEASE HELP ME GET MY MONEY BACK THAT WAS TAKEN FROM MY ACCOUNT .If you need any more info from me PLEASE LET ME KNOW THANK YOU SO MUCH

Company response to consumer: Closed with explanation