BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
These are a list of Hard Inquires not authorized by me and without my knowledge XXXX XXXX  OPENED XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX  OPENED XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX  OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX  OPENED XX/XX/2021 XXXX XXXX  OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX/XXXX  XXXX XX/XX/2021 XXXX OPENED XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed two accounts reporting negatively on my credit report. XXXX XXXX XXXX ( {$250.00} ) as well as XXXX XXXX XXXX XXXX {$180.00} ). I have disputed account with XXXX XXXX XXXX with  company as well as credit reporting agency Equifax and have yet to receive copy of investigation. Account was not verified and it took longer than 30 day requirement. I also submitted letter to XXXX XXXX XXXX whos is not licensed to collect debt in state of Florida. No response in 30 day time frame and account was not verified. I have submitted multiple disputes and no verification. Equifax has since had a breach of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Experian Information Solutions 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 status incorrect

Complaint:
Experian credit reporting agency is reporting 2 accounts that has been verified to be deleted from my report. I am uploading proof from XXXX credit reporting agency that the results of the investigation is the items were deleted. Experian should be receiving the same instructions to delete. However they just keep reporting it.

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 2017-09-30
Company: EXPERT GLOBAL SOLUTIONS, 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 is missing that should be on the report

Complaint:
XXXX is not reporting an account on my credit report that is in excellent standing I have requested this account be put on my credit report. The account is XXXX. Having this account report would help my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Transunion is not reporting an account on my credit report that is in excellent standing I have requested this account be put on my credit report. The account is XXXX. Having this account report would help my credit 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 explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed this item with XXXX, XXXX, and TransUnion on XX/XX/21, and XX/XX/21 and XXXX, XXXX, and TransUnion have incorrectly " CONFIRMED '' this is accurate and XXXX is WRONG. 

Furthermore, XXXX, XXXX, and TransUnion never sent me a response to either of my disputes yet it remains on my reports. 

However, according to the documentation I have attached from the creditor the WHATEVER WAS MISSING AND UPDATED is incorrect. This means XXXX, XXXX and TransUnion didn't contact the creditor. Delete this item immediately. 

XXXX XXXX XXXX XXXX THIS ACCORDING TO THE REPORTING PARTY YOU WERE INSTRUCTED TO DELETE! XXXX, XXXX and TransUnion have FAILED.

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 2022-03-23
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Back in XXXX of 2021, I submitted a dispute to Experian regarding an account that is reporting inaccurately on my credit report. It is an XXXX account that is in charge-off status and does not belong to me. I asked that Experian delete the account and send written confirmation of the deletion of this account, because it is fraudulent. Experian claimed to have " verified this information '', but gave no written response or details of this verification.

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 2022-04-26
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 USC 1681 SECTION 602A. States I have the right as a consumer to privacy.

According to 15 U.S.C 1681- ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


These addresses does not belong to me or belong my credit report. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This is not my date of birth XXXX These telephone numbers does not belong to me or belong on my credit report 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX These names does not belong to me or belong on my credit report. 

1.XXXX  XXXX 2.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 2017-09-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/17, person X agreed to send me {$1100.00} dollars to purchase a few supplies for him. He sent me a total of {$1100.00} via the XXXX app. After confirming that the money has been transferred as indicated by " X paid you + $ '' I went out and made the purchase of the items for person X. I checked and saw that the balance went through and so I scheduled a transferred of the balance in my XXXX  account to my checking account. The next day, I notice that the balance did not go through as scheduled. I checked my email and found that my account got frozen with a request for me to send in my driver license to XXXX. '' I called XXXX and wanted to know what was going on. According to the customer representative, the person who paid me made an unauthorized transaction. In response to this, XXXX reversed the transaction and withdrew the balance from my XXXX account. How is this possible? Their website states " Once you make a payment to a registered user the funds are sent to the recipients XXXX balance for them to use. At this time, its not possible to cancel a payment thats been sent to a registered user in XXXX. '' This is obviously not true. it continues " Only in instances when the funds are still in XXXX system, can we reverse the funds with the recipients permission. '' This is also not true. XXXX reversed the fund without my permission. As a result, I 've lost {$1100.00}. The app also says " your withdrawal could be delayed or blocked if we identify an issue. It does n't happen often, but if it does we 'll send you an email. '' This is also not true. No email was sent to indicate that that there was a problem with my transfer. Instead, the only email I got was that my account got frozen without an explanation. I believe that XXXX violated their own policy and is abetting scammers. False advertisement is illegal. I did a simple XXXX search and found that many people are having the same problem, some are reported to the BBB. There are many websites out there specifically highlight this exact problem. I checked their app review on the XXXX store and again, many people are facing the same frustration. This is a class action lawsuit waiting to happen. XXXX must be aware that scammers are exploiting XXXX 's vulnerability but has failed to close this loophole. When you are aware that there is a problem and choose not to fix it, you are legally liable for damages caused by your inaction because your platform facilitated fraud. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: AR Resources, Inc. (FL)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This charge is part of a medical charge that was supposed to be paid by medical insurance I called medical insurance and there is no report of the company claiming. Please take this off my credit

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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:
Portfolio Recovery Associates # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: EQUIFAX, INC.
State: AR
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 was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit to myself and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX/XXXX XXXX {$620.00} XXXX XXXX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$140.00} XXXX/XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$800.00} XXXX XXXX   XXXX XXXX {$930.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: LEXISNEXIS
State: CO
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:
I'm trying to obtain an apartment and this " civil actions for possession '' keeps coming up. 
1. On XX/XX/2016 it was filed by LexisNexis XXXX XXXX XXXX XXXX XXXX. Case number # XXXX 2. On XX/XX/2016 it was filed again for same thing. Case # XXXX This was for the XXXX at XXXX XXXX Apartments. I have spoke with XXXX at XXXX XXXX who said that I don't owe them nor have owed them. I paid rent and have never been evicted. I have talked to manager XXXX at time as well as new manager. They both sent me proof I fulfilled my lease as agreed. That I've never been evicted by them and that there's a mistake. I have lroof they sent me showing this as well as how they refunded me over {$3000.00} even stating if I owed them I wouldn't have received my deposit back. So this 3rd party company has ruined my credit reputation and life. They are costing me hundreds and hundreds of dollars because of applying to endless apartments only yo be turned down because of this fraudulent company falsely reporting. They are causing me extreme emotional distress and I need help resolving please. They are about to make me and my daughter homeless!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
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: Investigation took more than 30 days

Complaint:
The consumer reporting agencies are continuing to report inaccurate information that I did not authorize or give written instructions to do so. They have also violated my rights by not providing me with the results or information from the investigation.

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 2022-01-10
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Creditor is issuing late fees and interest charges against an account and credit card that are not in use. The account was paid in full 6 months ago. Creditor continues to apply late fees and interest charges on purchases even if no purchases are occurring. I am filing this complaint to report fraud within American Express company. I have provided write documentation of creditor trackings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
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:
I have filed several disputes complaints with Equifax, XXXX and XXXX complaining about the errors from credit companies are false. Incorrect dates supposedly I opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Express Recovery Services, Inc.
State: UT
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:
Express Recovery Services # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Below is a list of items that are to be removed from all my report ( s ) OR accounts due to the information being in inaccurate. 
Names XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXXAddresses Addresses XXXX XXXX XXXX XXXX XXXX VA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX VA, XXXX Address ID # XXXX Multifamily Phone Numbers ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Square Inc
State: ME
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/XXXX {$490.00} was added to my cash app account, then withdrawn. I called customer service for XXXX..I was then instructed to download cash app in case there were any charges for services. I gave this person my account numbers. On XX/XX/XXXX went to my bank to report the transaction. They contacted cash app. On XX/XX/XXXX I was assured they refunded me my money. I never received it. It was sent to an account that was not mine. Been battling this issue since then to no avail. They say they sent refund..they are not listening to me when I tell them it was not sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called the debt collection agency the morning of XX/XX/23 to ask them to write a release of debt letter following a payment in full that I was offering to pay to settle the account. I had already been in contact with the original creditor and had been emailing them back and forth for months regarding this bill and then got sent to collections and didnt receive a statement or bill regarding the collection until it appeared on my credit report this week. Debt collector said they could report account paid in full but not remove collection from my report and to call the original creditor which is XXXX XXXX. I called them next this morning and was told the same story about how they couldnt remove it from my credit report despite full payment. I told them both I had proof it could be done and they were lying because I had it done 2 years ago from another debt collector company. I paid the balance of {$300.00} in full with XXXX XXXX and now need to get the debt collection agency to remove this collection from my account entirely since I paid the original bill with the creditor and bypassed then all together. Also the bill I paid was already reduced {$150.00} because of a fraudulent cancellation fee added to it. My ex gave me a 5 day notice to vacate our shared home with my kid and then cancelled utilities and stuck me with the bill in full. Thats the situation I had been going back and forth with disputing that the charges were even mine to begin with. Please remove this collection from my account completely and since its paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 our debit card was used at XXXX XXXX   XXXX in XXXX ohio. Within a 15 minute time period our card was used without our authorization for a transaction of {$470.00}. We disputed this to our bank chase bank who gave us back the {$470.00} and then investigated it for us but found no fraud and took the {$470.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
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 account should not be on my credit report. I disputed this account as it does not belong to me and please verify it. But, they refuse to remove it. I also contacted XXXX card services as well, and they refuse to remove it from my credit report. 


Account name XXXX XXXX/XXXX XXXX   Account number XXXX .... 
Recent balance {$430.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$430.00} written off. {$430.00} past due as of XX/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 explanation