BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, The following accounts has violated my rights : 1. XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX XXXX Account Number : XXXX 7. XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX 9. XXXX XXXX XXXX Account Number : XXXX 10. XXXX XXXX Date of inquiry : XX/XX/2023 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

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 2023-07-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have tried to pay off my FHA mortgage. ( Wells Fargo Bank ) I have received a pay off notice that is opposite of my original loan agreement.

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 2023-07-08
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: Information belongs to someone else

Complaint:
As of XX/XX/2023, my credit bureaus have added a new hard inquiry from an unknown authority. The XXXX XXXX inquiry did not come from my doing.

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 2019-07-12
Company: Midwest Recovery Systems
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Midwest recovery system is reporting on an account on my report that doesnt specify what account and time that it was established that I have no knowledge of in the amount of {$420.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2021 MoneyGram Transfer Online to : XXXX XXXX, for {$15.00} USD to XXXX, XXXX XXXX was transmitted, reference # shown then quickly delete & account blocked as a Plus Member # XXXX customer in good standing treated with the 3rd degree of suspicion when speaking with Supervisor XXXX. 
Previously XX/XX/2021 a transfer to a girlfriend in XXXX ( A gift ) another transaction made online, it should not have been necessary after multiple tries online & the app for me to go to a location, and treated in the 3 degree. The transaction process went through all the steps until 'send payment ', each time getting the error or exception occurred. 
Noone at MoneyGram is willing to addressed the disparity in sending money online to XXXX. As a professional no MoneyGram official is willing to even look into this and offer a comprehensive solution which is discriminatory in nature. 
Unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: NM
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:
XXXX, Equifax and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me in accordance with The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 recently pulled my credit report and saw unauthorized inquiries on my report. The unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 USC 1681. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section, and 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Credit Karma, LLC
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I contacted CK customer support via chat/email on XX/XX/XXXX regarding the need to close my CK savings account. I received a confirmation email stating I would receive a check by mail for the remaining balance ( {$1700.00} ) in up to 15-20 business days accounting for possible COVID-19 delays with the USPS. I tried to contact them again today ( XX/XX/XXXX ) and the support chat told me it would move the conversation to email. Which never happened. I'm filing a CFPB complaint as of now since it's ridiculous you can't speak with a human being if issues arise. CK should not have been allowed to provide these financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the ( account name : XXXX XXXX XXXX ; Account Number XXXX ) or ( account name : XXXX XXXX XXXX ; Account Number : XXXX ). 

Please investigate and provide proof with statements showing that these payments were late and were not on time. If proof can't be provided I demand these payments be updated to on time as they should be as is Never late. 

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 2019-11-20
Company: Advance America, Cash Advance Centers, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is my third PAY DAY loan with Advance America in XXXX, IN. On Tuesday, XX/XX/2019 I went to take a PAY DAY loan in the amount of {$600.00}. The agent that signed the attached loan agreement, stated my repayment date was XX/XX/XXXX. The assistant manager, XXXX, stepped up and stated that wasn't true. The loan was due in 14 days which would be XX/XX/XXXX. The rep that was assisting me stated, " If that's the way you do it, OK. '' I then challenged the assistant manager. I stated what you are doing is unethical. It's called a PAYDAY loan, not a 14-day loan. She tried to explain how that works, then called the store manager to get his approval to proceed. I asked her if you're not doing any illegal, why do you have to get the store manager 's approval. What this site is doing is they tell you if you don't pay it on the date they have given you ( NOT THE PAYDAY LOAN DATE ), it will cause unpleasantries for you. Your name will be submitted to the database in Indiana, which won't allow you to get any other loans, and you won't be able to write a check. " SCARE TACTICS! '' Then XXXX explained to me you can pay it, and turn around and get it right back the same day that you pay it. In essence, in a month 's period you are paying a {$150.00} finance charge, versus a {$77.00} finance charge, depending on the day that you obtained the loan. Advance America is lending unethically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I would like to dispute certain information in my file which I believe is possibly Identity theft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA XXXX XXXXXXXX. The XXXX Credit Bureaus need to remove the account from my file. 

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 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 recently conducted a review of my credit report, and I noticed that your agency showed 9 credit inquiries that I find to be problematic.Please investigate these inquiries at your earliest possible  convenience, I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter, below are the unauthorized inquires that are not tied to any open lines of credit. 
XXXX XXXX XXXX Inquiry from XX/XX/2019 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2019 Misc. 
XXXX XXXX  Inquiry from XX/XX/2019 Misc. 
XXXX XXXX Inquiry from XX/XX/2019 Misc. 
XXXX XXXX Inquiry from XX/XX/2019 Misc. 
XXXX XXXX Inquiry from XX/XX/2019 Bank XXXX Inquiry from XX/XX/2019 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2019 Bank XXXX XXXX Inquiry from XX/XX/2019 Misc.

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 2021-09-14
Company: Receivables Management Partners, LLC
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent to RMP Services LLC, a debt validation letter on XX/XX/2021, via USPS and email, and requested to be sent, in writing, about the validation of this debt. I have received no information regarding the validation or the correctness of this account. I hearby am requesting an inquiry into this account in hopes of it being removed from my credit report, due to them not responding to the validation letter. I will upload a sent copy of the validation letter that was sent out to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
This is a notice of direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file - Acct # XXXX.

The date of last activity, payment history, and status* do not align across all bureaus. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this notice includes identification of the specific information being disputed : XXXX, XXXX, and XXXX reporting for Acct # XXXX Date opened : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Amount past due : XXXX : {$1800.00} XXXX : {$10000.00} XXXX : {$10000.00} Date of 1st delinquency : XXXX XX/XX/XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Last Payment made : XXXX not reported XXXX   XX/XX/XXXX XXXX XX/XX/XXXX Reposession : XXXX Not reported XXXX XX/XX/XXXX XXXX   XX/XX/XXXX and XX/XX/XXXX *****PLEASE SEE ATTACHMENT WITH FULL LIST OF LATE PAYMENT DISCREPANCIES FROM XX/XX/XXXX THRU XX/XX/XXXX********* also attached are the credit reports pulled from XXXX, XXXX and XXXX that show the discrepancies that i'm referring to as proof Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.

XXXX v XXXX XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2022-12-30
Company: Continental Credit Control
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: Account information incorrect

Complaint:
This company is reporting that I owe {$3300.00} monthly. I applied for credit and they informed me this company is reporting that I owe them a monthly payment amount of {$3300.00}. That is entirely too high of an amount to owe a company monthly. They are reporting this account as a revolving account which is inaccurate. They are also reporting an inaccurate amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX accordance with fair credit reporting act XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 its also states consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: AL
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 recently conducted a review of my credit report, and I noticed that your agency showed 6 credit inquiries that I find to be problematic please remove the unauthorized credit inquiries XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Tip

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 2018-12-10
Company: Fidelity National Information Services, Inc. (FNIS)
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: Their investigation did not fix an error on your report

Complaint:
I submit a FTC report to Chexsystems about a dozens of inquiries and a bank account that was open in my name by the name of XXXX XXXX in the amount of XXXX and I was denied of opening up a saving account and I open a a dispute with Chexsystems and it was denied few times and I contacted XXXX XXXX and they open up a dispute and I never heard back from them in few months or received any paperwork from them ... Chexsystems refused to dispute my item ( XXXX XXXX ) Debt amount 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
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Re : Unauthorized Credit Inquiry To Whom it May Concern, XXXX ( Finance ) XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX  ( Finance ) XXXX XXXX I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.

U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act 30 Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

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 2023-07-14
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: Their investigation did not fix an error on your report

Complaint:
I did requested a thorough investigation done through all credit bureaus ( XXXX, Equifax, and XXXX ) and they did state that it was accurate and I did and double investigation myself and it is inaccurate. I have made several attempt to resolve this issue with the credit reporting agencies. I have been trying to resolve these issues since early 2022 and as of today no avail. 
According to the In accordance to the fair credit reporting act the following accounts has been verified and has violated my rights. 
XXXX XXXX - no account number available Amount : {$720.00} XXXX XXXX - Account number XXXX Amount - {$5900.00} XXXX XXXX XXXX, XXXX XXXX XXXX Amount : {$580.00} XXXX XXXX XXXX XXXXXXXX XXXX Amount- {$580.00} 15 U.S.C 1681 Section 602A states I have the right to privacy 15 USC 1681 Section 604 Section 2 Agency can report anything on your credit report without have written instructions from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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