BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter on XX/XX/XXXX to remove the following personal information, address and accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint & I am including it again. Here are the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: Louisiana Recovery Services 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: Credit inquiries on your report that you don't recognize

Complaint:
I see things on my credit report I dont remember using

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 2022-09-22
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 belongs to someone else

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I received repeated emails from individuals pretending to be from Equifax asking me to click on links to get my free credit score. 
The latest email was titled Equifax-Update sent to me from XXXX I suspect it is a phishing scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase denied my claim after a merchant ( XXXX ) fraudulently failed to provide the products/services that I paid to them on XX/XX/22 in the amount if {$110.00}. Chase has informed me that they will be removing {$110.00} from my account on XX/XX/22. By taking this action, Chase is violating federal law and facilitating fraud. 

I am formally requesting that Chase : ( 1. ) Provide me with all of the information that used in the research of this claim. 
( 2. ) Reverse their decision, as it was clearly wrong, and leave the credit of {$110.00} in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: JPMORGAN CHASE & CO.
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:
On XXXX there are inquires and or accounts listed NOT MINE I have tried to get help and they claim it is up XXXX me to call each creditor I filed ftc report and sent it in but those items are still on my report when i call XXXX they ask me to send the information again and the portal wont accept my information and my report is not updated when XXXX sent the first letter they would no accept it without a signature, i asked if they would call the creditor to verify the letter and they would not. 

I contacted the creditors and got updated letters with signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
When ever I use my card for payments the balance on my account would immediately updated - real time. As of Monday XX/XX/2022 the balance on my account ( checking ) was $ XXXX. After this balance there was two incoming transactions - from XXXX XXXX XXXX of $ XXXX on Tuseday XX/XX/2022 and another from XXXX on XXXX XX/XX/2022 $ XXXX early around XXXX XXXX. However, these deposites were not shown up on the account until Thursday XX/XX/2022. 

And there were two outgoing transactions- one for {$910.00} for home rent, and another for $ XXXX for XXXX energy payment. 
After these transactions my ending balance should be $ XXXXBut I was told my ending balance has a negative balance of $ XXXX The reason the brach manager gave me was, a payment for car rental which is paid on Friday XX/XX/2022 for $ XXXX has been pending and that was the cause for negative ending balance. 
The reason why I didn't buy his reason is : 1 ) Whenever I making payment the Bank App on my phone updated immediately on real time. And I have seen that as I mentioned above the ending balance was {$650.00}.

2 ) Even after {$580.00} clear on XX/XX/2022, stlll my ending balance should have positive balance of {$240.00} or above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have XXXX hard inquiries on my credit report that I did not authorize. I also got some inquiries from when I went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize 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 non-monetary relief
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: SC
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 sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$35.00} ; XXXX XXXX Balance : {$33.00} ; XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$35.00} ; XXXX XXXX Balance : {$33.00} ; XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX  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 non-monetary relief
Consumer complaint received 2022-09-22
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 belongs to someone else

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: CCS Financial Services, Inc.
State: NC
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 have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. Thank you in advance. 

XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX  XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX Inquires XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX IN XX/XX/2022 XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: PA
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:
Every time I dispute this erroneous info I get serious run around from XXXX XXXX ; they incorrectly and secretly charged me an XXXX cent late fee in XXXX, 2021 ; They realized that I never should have been charged that hidden fee and reversed it on XX/XX/2021. Problem is they refuse to update the credit reporting agencies that I was in fact NEVER past due! 

Whenever I call them about it, they empathize and tell me they'll fix it, but then they don't. 

Please help- this is insane!

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 2022-12-02
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Just found out I have been ripped off for the last 5 years by US Bank. I have been paying a monthly fee ( XXXX ) that was not necessary and the only response I have gotten from the bank is " you should have read the fine print ''. I even got the answer from one service member that " all banks have to charge fees '' and then a minute later, " we would have waived the fee if you had brought it to our attention '' I asked who is in charge of Customer Service at the bank and was told that they would not release that information. That makes no sense. 

I talked to 5 different customer service people including bank managers. The first one was wonderful and told me how I might be able to resolve my issue, everyone else awful. The last person was from the Ethics Department who basically said " you should have read the fine print and It's not our job to review your account. I do understand this, but over the years I have sat down with my bankers and have gone over my account and the fee issue was never brought up. 

This is not the ethical company that they present themselves to 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 explanation
Consumer complaint received 2022-12-02
Company: CAINE & WEINER COMPANY, INC.
State: NC
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 have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. Thank you in advance. 

XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX CAINE & WEINER {$260.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX  Inquires XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: AMERICAN EXPRESS COMPANY
State: MA
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 reported American Express that there was a fraud charge in my American express blue card, The fraud charge is XX/XX/2016, But American express does not have XXXX tolerance to fraud, I mailed them the statement that showed the fraud charge ; and told them the fraud charge, I never had the service, it was a fraud charge, American express told me that they received the statement with the fraud charge, they continue to tell me that the resolution is next month and next month etc, this has continued for half year, and they continue sending me letters like info, close etc? I mailed info to their fraud dept, their fraud dept told me that they received all the info, they do not lack anything. This is a violation in banking that handles fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery continues to dismiss my disputes about incorrect information on my credit report which causes me to have a low credit score and difficult obtaining housing, credit and employment. I have filed a dispute numerous times about accounts that they claim are accurate but were not opened by my and are not my debt. Other collections agencies immediately removed my debts when I disputed them as they were also not mine. I was a victim of identity theft and the accounts they are trying to collect on were not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint on behalf of myself. The account ending in XXXX with a High balance of {$9200.00} is being reported to XXXX and Transunion incorrectly. This inaccurate reporting is causing great emotional, mental and emotional harm to me. This account is reporting as paid on time from XX/XX/XXXX through XX/XX/XXXX but shows 90 days late the very next month of XX/XX/XXXX. How is an account 90 days late in a matter of 30 days? XXXX is showing " NR '' as not reporting but is mimicking the information incorrectly reported to Transunion. Also, XXXX is showing updated on XX/XX/XXXX but Transunion is showing last updated XX/XX/XXXX. This information has caused me to be denied for housing and employment. Federal law states that my consumer report is to be fair and equitable to me and that all information needs to be accurate. I also have a right to privacy and did not authorize any credit reporting agency in writing to publish my nonpublic personal information. I was also not provided clear and concise information on how to opt out which is another violation of my privacy.

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 2022-07-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax has continued to report incorrect and invalid information. After several written attempts to have the credit bureau correct these errors, they still continue to report false items. They have my credit score listed on their website as XXXX. Yet, they reported a low score of XXXX to a lender. This is in violation of the FCRA. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. Given all my attempts to address XXXX erroneous accounts directly with the Equifax XXXX, this is negligence and non-compliance with federal statutes. Please delete the disputed accounts in my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX. I have sent documentation with both disputes. This matter is still unresolved, and the bureau is now reporting low scores to lenders/creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am a XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX Florida. My property is listed on XXXX, XXXX and XXXX. All vacation rental platforms accept payments from guests for me except XXXX because they said I have not done enough business with for this property to transact payments therefore I have to accept payment forms guests. In order to process payments from guests I purchased a POS ( point of sale ) machine called Square from XXXX XXXX to process the payments. I processed a payment for one of my guests on XX/XX/XXXX and the payment went through successfully. On XX/XX/XXXX I received an email from square asking me to verify my business and bank account and IRS EIN, and drivers license. I submitted all of the information and then received an email on XX/XX/XXXX stating that my banking information was approved. On XX/XX/XXXX I received a notice from Square stating that my account was deactivated and that they did not want to do business with me. 
In addition to deactivating my account Square said they would hold my money from the transaction {$580.00}. The services for the vacation rental stay has already been rendered. 
I was shocked and taken back by this and called to speak with Square customer service. Customer service and they said the decision was final with no further discussion. I do not care if Square does not want to do business with me but I am running a legitimate business and they already took % of my funds for processing the payment and now they are holding the rest of my funds. At this point I dont believe Square has any intention of returning the funds to me at all. This is taking advantage of the consumer on so many levels and I never saw anything in the terms of agreement that stated they would hold my funds for 90 days and my account would be deactivated or not accepted. These are unscrupulous practices and I am asking for your assistance in this matter to make Square return my funds. I am a legit small business owner, and I sent my bank statements and EIN # as proof of my business. I have contractors that I need to pay. Please assist me in this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation