BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$3400.00} on the DP OF EDUC/FFEL PARTICIPATION INTERESTS partial account number XXXX. ( Please see pages 11 and 12 of the above credit report. ) I attended a private college in Missouri and had signed up for a course there. Circumstances changed and I dropped this course well within the time frame allotted to do so. When I discovered this collection being reported on my credit report, I immediately tried to contact the school to get some help to figure out what the situation was. I found out that the school has since been shut down. It no longer exists. I do not owe this and the incorrect reporting of a collection that is not verifiable is harming my credit score. Please remove these line items from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

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 2021-09-23
Company: National Credit Adjusters, LLC
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: Account information incorrect

Complaint:
This account paid with the agreement that they remove from my credit report. Please delete this account from all 3 credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: LDF Holdings, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My Name Is XXXX XXXX I was in XXXX for three months while i was in XXXX my tenant on the first floor furnace broke down and could, nt be repaired it have to be replaced, the cost for the new furnace is {$6500.00} so i went online and fill applications on several sites daily and getting several {$1000.00} offers and {$600.00} offers which i was turning down but not realizing that i clicked on a Esign document but i still continue to search for the loan, I return to the XXXX in XX/XX/XXXX still searching for a loan and did, nt check my account until a couple days later for my ss check and retirement check still did, nt until end of month that a withdrawal of {$170.00} was taken from account for a loan of {$600.00} i instantly contact the company that withdraw my money trying to get some answers why i was, nt contacted about an approval loan for {$600.00} they claimed they send me an email that i did, nt received i in return tell them if you guys had went about this loan the right way i would not have accepted this loan because it did not meet my caused, so i return requested paper work on this loan which was sent to me right away and i was shocked when i see the percentage rate for a {$600.00} loan IS RATE IS 714.54 % I call them back right away and informed that you are ripping off the consumer and i, m not paying you XXXX for a {$600.00} loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX BK OF AMER XXXX, BK OF AMER 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 2022-04-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX time submitting a complaint please help me!!!! 
I will be taking this to court and suing the credit bureau Ive been disputing these fraudulent accounts with experian, XXXX, XXXX for a whole year i want to sue them at this point because theyre the reason i cant get a house or car someone fraudulently open these accounts under my info Ive filed police repost and identify theft report and they have yet to remove these XXXX i will sue!!! Please help me i am a victim of fraud this is illegal to still be reporting inaccurate information they are discriminating me because XXXX a XXXX! I will not tolerate discrimination Fraudulent Accounts below! 

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 2022-09-29
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: Account information incorrect

Complaint:
I would like to reopen my complaint number : XXXX This complaint has all the information I submitted earlier. The company replied me back with the wrong information and closed my complaint. 

The sent me attached Notice of Transfer letter and found it was addressed to a wrong person and at wrong address. That letter also has wrong Loan numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I dont own the above property and my property address is XXXX XXXX XXXX, XXXX CA XXXX. Im still making payments to XXXX XXXX and my account is not transferred. It looks like you mixed up my name with someone else who also has the same name like me. 

I confirm I did not receive any letter from you and my loan is still with XXXX XXXX. It sounds like the payment I sent on XX/XX/XXXX was received under a different account that does not belongs to me. This is very serious mistake and I would like you to review it carefully. 

Thank You, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2023-03-04
Company: EQUIFAX, INC.
State: CT
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 out NUMEROUS letters to the Following Credit Bureaus. XXXX, XXXX XXXX Equifax, ALL DATES OF MAILING ARE ON THE LETTERS. After waiting months upon months, I have not heard from nor gotten ANY RESPONSE, in ANY FORM. I have sent letters I have called and have waited MANY MONTHS. I need ALL INACCURATE information removed from my credit report. They have failed in every way possible of servicing me as a consumer and I am losing all faith in the credit reporting process. I will be reaching out to a consumer protection agency very soon and plan on taking these agencies to court if my investigations are not completed! I want all of my accounts that have FRAUD RELATED PAYMENT HISTORY, UPDATED AND REVERSE TO ON TIME OR PAID AS AGREED & I ALSO WANT THESE FRAUD COLLECTIONS ON MY CREDIT REPORT REMOVED IMMEDIATELY! I was never notified about these accounts nor have the accounts been updated to currently in dispute. I have someone else 's information reporting on my file and nothing has been done to ensure my report is 100 % accurate or factual which is against the law! This is unconstitutional and a Grave violation of my consumer rights! I am a natural person and know my rights my attached letters will prove these claims! 

XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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:
I have credit protection but it wasnt activated after I lost my job XXXX XXXX XXXX  was supposedly to activate I called in and nothing credit protection is sto protect your credit score According with the fair curtain reporting act This creditor has violated my rights under 15 usc 1681 Section 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666B a creditor may not treat be a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-04-29
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I worked with the XXXX XXXX firm for debt consolidation. I settled my accounts with XXXX XXXX, XXXX XXXX  , & XXXX XXXX in 2019. According to the credit bureaus the accounts are still delinquent. I reached out to the XXXX law firm & they told me it should have been reported 90 days after it was settled. Ive recently been told they are reaching out to them but they dont know how long it will take. Bottom line. The resolved accounts have been cleared but the creditors have not reported it for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Block, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2023 I paid the company XXXX  {$28.00} out of my cash-app account to check if my XXXX XXXX  XXXX XXXX qualifies for mobile unlocking codes to unlock the phone from the carrier XXXX XXXX XXXX They were able to conclude that it did qualify for mobile unlock codes. Also on XX/XX/2023 I paid this same company an additional {$83.00} to move forward with the unlocking of this device. After 7 days they sent me an email stating that my phone was not able to be unlocked with codes but instead would require me to download software to a computer and unlock it with the software. They gave me credit notes for their website in the amount of {$28.00} and {$83.00} instead of refunding my money to the account I paid with. The software download cost {$79.00} which I used part of the credit notes for and sent an email to the company on XX/XX/2023 requesting to have my remaining credit notes after that purchase refunded to my account that I paid with. The remaining credit notes after the purchase was {$33.00}. The company never responded to my email. They were not able to send me the software to download and gave me another credit note for {$79.00}. This made my total credit notes {$110.00}. Afterward the company sent me an email stating that whether or not they were able to resolve my issue they wanted to draw my attention towards their fraud policy, that stated nothing about the issue I addressed with them, I sent them another email on XX/XX/2023 stating that I needed my {$110.00} worth of credit notes refunded into the account that I paid with. I waited 10 days before I sent another email on XX/XX/2023 to the company stating that I needed my {$110.00} worth of credit notes refunded into the account that I paid with. The company has not responded to any of the emails. I have contacted CashApp support to try to dispute these purchases on two different occasions because I never received the service that I paid for, but CashApp has decided that there is nothing wrong with these purchases and refused to dispute these charges twice now. I have all emails for documentation of these events and bank statements showing where and when I paid for these services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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: Information belongs to someone else

Complaint:
I have recently noticed I have been a victim of identity theft, someone has stolen my information and has used it unlawfully without my permission and knowledge. The following is my official statement. On XX/XX/XXXX My information was used to open an account with XXXX I have not authorized this account nor did I know about this account. This account and two other opened on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX are also results of my identity being stolen. These accounts where opened by the thief and used by the thief leaving me with the burden of paying them back however these are opened due to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: TN
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:
In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX acct # XXXX Has violated my consumer privacy rights!!! 

15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 604 section 2 It also states that a consumer reporting agency can not furnish an account without written instructions 15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Services is reporting inaccurate and unverifiable information on my credit profile. The account number XXXX can not verified under my personal information with Portfolio Recovery Services XXXX I am requesting that Portfolio Recovery Services delete this account from my credit profile under the FCRA section 609 and 605B. Section 609 states every consumer reporting agency should be reporting accurate, verifiable information to the consumer credit report. If the information is not accurate or verifiable it should be deleted. A Representative from Portfolio Recovery Services could not verify that my social matched the social they had for account ending in 1970. Under section 605B ( a ) ( 1 ) of the FCRA Portfolio Recovery Services, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identities as information that resulted in identity theft, not later than 4 business days after the date of receipt by such agency a copy of an identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Phone number : XXXX XXXX His address is XXXX, XXXX Both XXXX and XXXX XXXX maintained contact. All our correspondences in is still in my XXXX chat. 
Subsequently other demands were made : this money she promised to repay with assurance from XXXX who was acting as her liaison. 
Payments made to XXXX. XXXX XXXX. 
XX/XX/XXXX {$2500.00} [ XXXX Cashiers Check # XXXX XX/XX/XXXX {$1100.00} [ Payment by XXXX XXXX ] XX/XX/XXXX {$2800.00} [ payment by XXXX XXXX ] XX/XX/XXXX {$2000.00} [ XXXX XXXX XXXX through Navy Federal Credit Union ] XX/XX/XXXX {$1500.00} [ XXXX XXXX ] On XX/XX/XXXX, my XXXX account was hacked. All my contacts were requested to send amounts ranging from XXXX ( XXXX, XXXX XXXX ) to XXXX. My niece was one of those that received the request for XXXX. She was told that my senior brother has emergency and I needed the money to pay deposit for hospital bill. Thank XXXX, a friend was on the phone when this was going on. She told him that they needed to hang up because her uncle just requested money on emergence. The young man asked if her uncle has ever told her a family member was sick. When she said No!, the guy asked that last time she spoke with her uncle ( me ) and she said the day before. He told her that was a hacker. That she should call me immediately, before sending any money. That call came at XXXX XXXX California Time. When I picked the phone in panic she asked if I sent her a message requesting money. When I said I did not, she told me my XXXX ( XXXX ) account has been hacked. 
She proceeded to post on my site warning all my friends that MY Account has been hacked and that they should not give money to Hacker. Some friends were in the process of sending the money when they received the Alert. 
Two days ago a XXXX XXXX XXXX XXXX ( probably fake name ) with phone number that was contacting me as XXXX. XXXX XXXX ( XXXX ) reached out to me and told me that a XXXX XXXX XXXX XXXX [ Phone number XXXX was the person that hacked my account and was the person posing as XXXX. XXXX XXXX. He also said that the hacking was carried out in XXXX, XXXX XXXX, XXXX. *** I have pictures and all the chats resulting from these conversations. 
My major concern is to stop these hackers given their boldness and all the Accounts they operate in the United States especially through the Navy Federal Credit Union, using the name of a possible true XXXX. 
Please if you need further assistance from me, I will be very glad to provide. 
PLEASE HELP STOP FURTHER DAMAGES FROM THESE HACKERS. YOU CAN SEE THAT THAY ARE VERY CCONNECTED IN THEIR NETWORK.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: MI
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:
delete XXXX XXXX XXXXXXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 ( XXXX XXXX XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2022-12-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
On XX/XX/2022, someone signed up for a MoneyGram account using my email address, XXXX. 

From there, they attempted to send {$2100.00} through MoneyGram, but XXXX denied the transaction. Shortly after on the same day, they were able to send the same amount, {$2100.00}. 

XXXX did not flag this transaction and allowed it to proceed. The recipient was named XXXX XXXX XXXX. This person is unknown to me. The receiver state is Nevada and it was listed as a cash pickup. The MoneyGram reference ID is XXXX. All of my information used in the transaction as the sender was valid, but not provided by me. 

Next, on the same day I received a notification saying the money had been picked up. 

Then, there was another attempt to transfer more money, but it was denied by MoneyGram. Shortly after, another attempt was made and the money was sent, {$1800.00} and picked up. 
Reference ID : XXXX I was unaware of the charges as I do not regularly check my email. I was only aware of the missing money once I checked my bank statement from XXXX. It was at this time, XXXX temporarily credited my account, pending investigation. XXXX attempted to get the funds back from MoneyGram, however their claim was denied. I requested the evidence sent from MoneyGram to XXXX and found some discrepancies. 

The IP address used by the sender was listed as XXXX, which does not appear as a valid IP. This was the evidence used by MoneyGram to validate that I was the sender, as the claim is that this is a California IP address. 

From here, I filed a local police report in XXXX XXXX XXXX, CA. The event number is XXXX, dated XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or remove the following items that are harming my credit : 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

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