BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2022 I submitted a letter to the credit bureaus in regards to inaccurate and unverifiable accounts being reported on my credit report. As of today XX/XX/2022, more than 60 days from when they received the letters I have not received any type of response back from either of the bureaus. At this point, I feel like my consumer rights are being relinquished and I am being totally ignored. According to Section 611 ( a ), it states that failure to investigate these accounts within 30 days gives the reason to immediately delete the accounts from my credit reports. Additionally, according to 15 USC 1681b, there are no permissible purposes for this information to be reported on my consumer reports. I have not received a response in over 60 days now ; therefore, the accounts should be deleted. 

I demand that these accounts be deleted immediately. 

Additionally, I have checked and my information was impacted by the XXXX Data Breach and my information may have gotten into the hands of the wrong person, I am also demanding that the non-account holding inquiries be DELETED from my credit reports 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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2022 I submitted a letter to the credit bureaus in regards to inaccurate and unverifiable accounts being reported on my credit report. As of today XX/XX/2022, more than 60 days from when they received the letters I have not received any type of response back from either of the bureaus. At this point, I feel like my consumer rights are being relinquished and I am being totally ignored. According to Section 611 ( a ), it states that failure to investigate these accounts within 30 days gives the reason to immediately delete the accounts from my credit reports. Additionally, according to 15 USC 1681b, there are no permissible purposes for this information to be reported on my consumer reports. I have not received a response in over 60 days now ; therefore, the accounts should be deleted. 

I demand that these accounts be deleted immediately. 

Additionally, I have checked and my information was impacted by the XXXX Data Breach and my information may have gotten into the hands of the wrong person, I am also demanding that the non-account holding inquiries be DELETED from my credit reports 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 2023-12-04
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I currently have a personal statement, fraud alert and extended fraud alert listed and showing on my Experian and XXXX credit report. I want the personal statement, fraud alert and extended fraud alert deleted and removed from my Experian and XXXX 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 2018-11-29
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : NORDSTROM/TD BANK Account Number : XXXX Date : XX/XX/2017 Amount : {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: ROBINHOOD MARKETS INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Robinhood stock trading app, XXXX XXXX, XXXX XXXX, and other platforms have stopped allowing purchases XXXX stock. There is apparent collusion going on between hedge funds with short positions on the stock and trading platforms to prevent the price from increasing further. We're in this moment because hedge funds like XXXX shorted XXXX to XXXX percent which might be illegal. Seeing this, and seeing that XXXX XXXX had taken a stake in the company sentiment quickly grew that XXXX was undervalued and a short squeeze was imminent. Thousands and thousands of retail investors have bought in over the last few weeks and now we're at a critical moment because the hedge funds will need to cover their shorts soon and will send the price even higher. Various news outlets are in a campaign of villifying retail investors for causing this situation but the the origin was XXXX being shorted XXXX percent with naked shorts which imply infinite downside risk. However, XXXX XXXX doesn't believe they should be allowed to take responsibility for their actions and shouldn't be allowed to lose. So now they are changing the rules of the game half way through, and preventing retail investors like myself from benefiting by colluding with trading platforms to prevent buying the stock. This is undemocratic and is active class warfare.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act, account XXXXXXXX XXXX # XXXX, 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2022-09-12
Company: Experian Information Solutions 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:
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 XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/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 2021-11-05
Company: Certegy Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I wrote check # XXXX from my XXXX XXXX account in the amount of {$110.00} to XXXX XXXX for salon services. On XX/XX/XXXX I attempted to write a check to XXXX, who refused it saying my XXXX check was nsf. My bank has conducted 2 investigations, the outcome being they have never been presented the check for payment. I have contacted XXXX numerous times - at the local level and corporate, including the CEO and received no assistance. The local store manager said they have been paid, Certegy says it is a XXXX XXXX issue and XXXX XXXX can not look for something that has not surfaced. PLEASE HELP! I have NEVER bounced a check and at this time can not write a check anywhere else. I need my good name cleared.

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 2023-11-11
Company: EQUIFAX, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: Rent Recovery Solutions
State: MN
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 company rent recovery solutions llc .. submitted fake documents as evidence to the state of Minnesota Department of commerce . in order to XXXX for a debt that they claimed i owed. the address unit number amount of the monthly lease and terms was all incorrect. rent recovery failed to provide official documents to validate this debt. its has now been 9 months since me receiving any official documents from rent recovery to back this claim. under the fair credit act. a company has 30 days to validate a debt. after receiving written request from consumer. 9 months later this fraudulent debt is still being reported as verified to my consumer profile. my states attorney office and Minnesota department of commerce currently has a open investigation going against this company on my behalf. after i submitted proof and original documents to the states attorney 's office and the Minnesota department of commerce. my rights under the fair credit act have been violated on so many different levels from this company. by refusing to remove inaccurate and false information that's been furnished to my consumer profile the complaint number i filed with the state of Minnesota # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 at XXXX XXXX., I made a {$20.00} purchase in a stock on CashApp. The transaction was to be executed at XXXX XXXX when the market opens. I had noticed the transaction never went through. So, I proceeded to try and cancel my purchase. I received a notification that the refund couldn't process. I continued and nothing would happen at all or sometimes it would day error or network connection error. My gripe is why wasn't my purchase processed at XXXX XXXX. when the market opened, and when it was suppose to anyway. Then, my money is just sitting on CashApp 's platform, when it was suppose to be invested. Now, they are holding my money not allowing me to access it. This is unethical and a little shady. What if that {$20.00} that was meant to be invested into a stock accumulated from it's investment. Now, I wouldn't know because CashApp illegally held my money, and now will not release it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 XXXX 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-12
Company: EQUIFAX, INC.
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:
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 XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$650.00} ; ( Original Creditor XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
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:
I have 2 XXXX XXXX hard inquiries, ( XX/XX/XXXX ) and ( XX/XX/XXXX ) on my TransUnion report that do not belong to me. I want these inquiries to be removed 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 2023-11-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XX/XX/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank 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 non-monetary relief
Consumer complaint received 2018-11-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2018, I applied and was approved for the American Express XXXX XXXX XXXX Credit Card ending in XXXX. My first statement closed on XX/XX/XXXX and I earned XXXX XXXX points, the points werent transferred to my XXXX/XXXX account. The second statement closed on XX/XX/XXXX and I earned XXXX XXXX points, the points werent transferred to my XXXX/XXXX account as well. The third statement closed on XX/XX/XXXX and I still didnt get any of the points I earned since I opened this card transferred to my XXXX/XXXX   account. 

Over the last 3 months, I have contacted American Express countless times via Phone, Chat and XXXX to inquire about the issue. I was told to wait 6-8 weeks for points to be transferred, when the 8 weeks passed, I was told to wait for the third statement to close. However, the third statement closed on XX/XX/XXXX and the points are still On Hold by American Express. 

I was never given an explanation of whats going on with my account. I no longer have access to see my points balance at americanexpress.com, this section, located at the right upper corner of the credit card online profile, has been disabled by American Express. They charged me an annual fee for a card I dont have access to its main benefit.

Company response to consumer: Closed with non-monetary relief