BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2021-12-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 contacted the XXXX XXXX through TD Bank finance explaining that there was a transaction made on my XXXX XXXX credit card account that is fraudulent and I have yet to receive the affidavit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was forced to send money {$170.00} via cash app on XX/XX/2021 for a payment of massage services. After a couple hours, I realized I sent to the wrong person and I send an email to this person but he would not respond to me. So, I contacted Cash App and they say they would investigate further. After three days, they closed my case and they said the best solution is to contact the person directly. I have not received a message back with these person so nobody including Cash App could not help me. I have all the details for the person below : XXXX XXXX and his email : XXXX Cash App account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX REF : XXXX XX/XX/2019 ADDENDUM OF SUPPORT In XX/XX/2019 Ive managed to purchase a XXXX XXXX at XXXX XXXX, located in XXXX XXXX, NY for the amount of {$190.00}. Couple days later Ive successfully returned the item back to the store, following the XXXX Return XXXX. XXXX Representative used the return label, attached to the product, and printed the return receipt, copy of which could be found as an attached .PDF. Even though, Ive been assured by the representative, that the refund should be posted back to my account in 3-5 business days, Ive never managed to discover it been posted actually. 

Under Fair Credit Billing Act 15 USC 1601, Section 166, Im expressing my intention to pursue to the request the refund of {$190.00}, back to my XXXX account. As it had been previously stated, Ive followed the XXXX Return Policy and was promised a credit to be issued. I have addressed this issue promptly to Macys customer support copy of a letter could be found attached in the form of .PDF, as well as vocalized my issue in a form of FTC Complaint, copy of which could be found attached as well. 


Im kindly requesting AmEx to issue {$190.00} in a form of a refund back to my XXXX account. 

I have retained a copy of this letter for my personal files. 

Regards, XXXX XXXX XXXX [ End of addendum ]

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XX/XX/XXXX I attempted to open a phone account with XXXX. I was still an XXXX customer. XXXX sent me a SIM card which couldnt be used because the phone wasnt unlocked. I informed XXXX a few days after I realized this so they could no I couldnt use the SIM card, phone, or account so the lines werent used at all. I told XXXX multiple times this issue and no one did nothing. A few days later XXXX sent me a email stating hey we have notice the lines are unused please contact us which I did. However I still was billed a {$200.00} bill for a service I didnt have. I have called multiple times and the reps have been extremely rude. As of today XX/XX/XXXX every rep that told me to hold on after I explained the situation lost contact with me and another rep would answer the phone without knowing anything. They have committed fraud in my name stating that I had an account which I did not. It is on my credit report based off me having an account which I didnt have. How can I be charged for a service I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
-Public Records section of my report indicates there is a claim of : " US BKPT CA XXXX XXXX  XXXX XXXX Chapter 7-XX/XX/XXXX '' This Bankruptcy was filed by my estranged husband and I was jointly thrown into it illegally since I was simply an authorized user, yet shared no accounts. Then, I am told, the Bankruptcy, was revised into a Chapter XXXX repayment plan to include his business entities and so on. I have explained this over the phone many of times and only received generic correspondences from Equifax regarding my concerns and this complicated scenario and yet each time they shut me up and blindly verify whatever they see and leave the Public Record there on my file for their own protection. I was not a part of his Chapter XXXX repayment and owed no debt to the trustees. Please understand, I am not responsible for the county clerks irresponsible record keepings! I have immaculate credit and I am a great consumer and this is damaging my credibility and credit score. The Chapter XXXX turned Chapter XXXX combination is found under another name, closed by trustee. The debt has been repaid in its entirety, he has provided the information to me to pass along to you ; Chapter XXXX Bankruptcy, XXXX docket # XXXX. The change in circumstances are hurting me as the false record is even nearing over 9 years old, please remove it. Also, the information where it claims the original Bankruptcy was in XX/XX/XXXX is also inaccurate, it was filed with an attorney, though later changed, in XX/XX/XXXX. 

Also, there are 3 personal details appearing on my credit report under 'personal information ' which are NOT ACCURATE and I would like them removed immediately because I have no idea who these people are and what has occurred at these addresses ; as they have NOTHING to do with me and are compromising my integrity. I have no association with the following listed name, address or employer. Please delete the following as well : 1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX Ca 3 ) XXXX XXXX ( Employment )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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: Was not notified of investigation status or results

Complaint:
I have sent in multiple dispute letters to TransUnion because of Fraudulent Hard Inquiries furnished to my consumer report without my knowledge or consent. Ive tried to call multiple times to make my disputes as well as fax. I have yet to get response by mail. Ive been getting the same phone response from the TransUnion telephone operators. They keep telling me to send in the same documents that Ive already sent in multiple times. Also Ive mentioned to the operators that the company is breaking multiple Uniform Commercial Codes but they still choose not to remove the fraudulent hard inquiries or make marks saying that Ive attempted to have these things removed. Under 15 USC 1681 s-2 ( a ) ( 1 ) theyre in violation because I have informed TransUnion multiple times that have reasonable cause to believe that the information on my TransUnion consumer report is inaccurate and no action to remove the inaccurate information has been taken. Under U.S.C 1681 s-2 ( a ) ( 2 ) ( B ) TransUnion is in Violation because they have not been responsible on their duties to correct and update false information furnished on my consumer report. Under 15 U.S.C 1681 s-2 ( a ) ( 3 ) Theyre in violation because they still have yet to provide any notice of my past disputes. Under 15 U.S.C 1681b ( c ) ( A ) TransUnion is in Violation because I ( the consumer ) did not authorize any agencies to provide such reports. Under 15 U.S.C 1681g ( a ) ( 5 ) TransUnion is in Violation because they shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer but they still did and still choose not to remove them even after I informed them.

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 2021-12-14
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:
Good day! I am XXXX XXXX and I have been sending letters to report accounts on my credit report that are inaccurate. Also the inquiries that I am not aware of is giving me a hard time. I have been sending letters to verify these and I received no response but yet it is still in my credit report and it is hurting my score.

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 2023-05-29
Company: EQUIFAX, INC.
State: MA
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received payments in my paypal account email XXXX after a day they limited my account I submitted proof but they locked me out of my own account and did not returned me money now they are asking me to wait for 6 months for my own money which is completely unfair it was my mistake that i joined paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: VA
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:
CFPB ... ... .. Experians response is UNACCEPTABLE!!!!!!!! Please see attached. You allowed them to close out the complaint stating that there was an unauthorized third party? How? The consumer, which is myself submitted the request with all supporting documentation. Please ensure that the complaints are being fully addressed and you are not allowing these companies to just close out without any remedy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In XX/XX/XXXX I attempted to open a phone account with XXXX. I was still an XXXX  customer. XXXX sent me a SIM card which couldnt be used because the phone wasnt unlocked. I informed XXXX a few days after I realized this so they could no I couldnt use the SIM card, phone, or account so the lines werent used at all. I told XXXX multiple times this issue and no one did nothing. A few days later XXXX sent me a email stating hey we have notice the lines are unused please contact us which I did. However I still was billed a {$200.00} bill for a service I didnt have. I have called multiple times and the reps have been extremely rude. As of today XX/XX/XXXX every rep that told me to hold on after I explained the situation lost contact with me and another rep would answer the phone without knowing anything. They have committed fraud in my name stating that I had an account which I did not. It is on my credit report based off me having an account which I didnt have. How can I be charged for a service I never had.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2019-12-18
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: Information belongs to someone else

Complaint:
AFTER CAREFUL REVIEW OF MY CREDIT REPORT I HAVE IDENTIFIED INACCURATELY PLACED ACCOUNTS ON MY CREDIT REPORT. THOSE ACCOUNTS ARE NOT LIABLE TO MY NAME AND I WOULD LIKE FOR YOU TO CONDUCT A REINVESTIGATION INTO THIS MATTER. PLEASE HAVE THOSE ACCOUNT REMOVE OFF MY FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS DOES NOT BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX ( a part of Experian XXXX makes it next to impossible to dispute information found on their reports. You have to pay a fee to obtain your own vehicle 's report and they do not disclose how they obtained incorrect information regarding your vehicle, they state " other sources '', but do not provide the sources. 

Their report shows that my 2018 XXXX XXXX XXXX XXXX XXXX has over XXXX miles XXXX XXXX miles ). At this time, my vehicle has XXXX miles on it. This is unfair because when I go to sell my vehicle, the value will be significantly less. 

I work from home for a living, so I do not operate my vehicle often. My car is in excellent condition.

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 2022-10-17
Company: EQUIFAX, INC.
State: VA
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 checked my credit report and found out these accounts does not belong to me and I didn't authorizethese to my account until I called one of the credit agent and they refer me to this website FTC to fi le mycomplain. Name : XXXX Date ; XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name : XXXXXXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX XXXXXXXX Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX  XXXX : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX. These are theincorrect information I found on my credit report from myannualcreditreport.com and I want them to be investigated and Deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 checked my credit report and found out these accounts does not belong to me and I didn't authorizethese to my account until I called one of the credit agent and they refer me to this website FTC to fi le mycomplain. Name : XXXX Date ; XX/XX/XXXX Name : XXXX XXXX  Date : XX/XX/XXXX Name : XXXX XXXX  Date : XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name XXXX XXXX XXXX  XXXX Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX. These are theincorrect information I found on my credit report from myannualcreditreport.com and I want them to be investigated and Deleted 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 2021-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report.It has been well over 30 days and I havent received any investigation results.

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 2023-02-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Goal Structured Solutions, LLC
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
XXXX report was updated by removing the incorrectly reported XX/XX/2022 payment to current but now the creditor is reporting the XX/XX/2022 payment incorrect despite sending a letter stating that my loan has never been late which it has not been late.

Company response to consumer: Closed with explanation