BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: FinCo Services Inc DBA Current
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On Sunday XX/XX/2021 at XXXX XXXX I received a call from my bank Current stating that someone in Texas was trying to charge {$500.00} to my card from a XXXX. We verified information and I thought my account was safe after that. I got a deposit in my account on Tuesday, XX/XX/2021 at XXXX XXXX And then on the same day Tuesday, XX/XX/2021 at XXXX XXXX Someone had hacked into my account and sent {$320.00} to a person that I dont even know. I am immediately contacted Current to try and get this matter resolved. I put in a dispute for the charge and waited 24 hours only to find out that They will not be refunding my money due to someone hacking into my account and authorizing a payment to be sent to the user by the name of XXXX XXXX. I am at a loss for words I am not able to speak with anybody over the phone it is all done over chat and I am being spun down a rabbit hole. Ive had no help whatsoever and most likely will not be getting my money back. This is very upsetting because I havent even gotten a confirmation as to whether or not any further payments will be taken out of my account. I have not gotten any confirmation that any security measures have been taken to even make sure this will not happen again. 
I am submitting a complaint against the bank called Current. 
I am submitting this complaint for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Back in XXXX of XXXX  I reached out to all 3 credit bureaus plus XXXX ND XXXX IN REGARDS TO FRAUD ACCOUUNTS THAT THEY WERE REPORTING ON MY CCREDIT REPORT. These accounts do not belong to me and were a result of identity theft. per 15 usc 1681 by law you can not furnish information that is untrue on someone's file like you guys have done. you all have not properly investigated and due to that the accounts have still remained. I will give you all one more chance to rectify the situation asap, Thanks.

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 2020-02-01
Company: Experian Information Solutions Inc.
State: NC
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:
Appeal appeal appeal cfpb Re Experian I have attached all the 4 names of different variations that have been sent to me since my initial report pulled up online XX/XX/XXXX Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received attached emails stating valerir name attached to a membership id # XXXX XXXX XXXX I received email another email with the XXXX  name regarding experian credit works THANKS FOR CONTACTING THEM. I have only been able to communicate with experian thru the cfpb due to either non answering looping automated phone system that won't transfer you to a human or no fax number answering of the three different phone numbers of experian credit reporting agency listed online. 
Here are the screenshots of four different names that experian has reported me under. the question is again experian ... why is my personal US CITIZEN NAME been either changed by unknown entity or person or experian is reporting me under FOUR NAMES. THEY ALL HAVE DIFFERENT INFO on them. One actually deleted the fraud XXXX XXXX XXXX loan # XXXX at XXXX pet month that I was disputing but IT WAS A XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX VA LOAN # XXXX AT {$680.00} PER MONTH that needs to added. Please experian advise me Is experian reporting me under 4 different spellings and versions of my name XXXX XXXX XXXX XXXX XXXX OR ... did someone contact experian and fraudulently change my name four times in one year ... Simple question experian ... please answer it ... XXXX.also who is the creditor SO I CAN CONTACT THEM as per your suggestions online under experian as per attached screenshots of that verbiage stating I quote ( IF THERE IS A WRONG ADDRESS ADDED TO YOUR REPORT IT MAY BE  A SIGN OF FRAUD AND IDENTITY THEFT!!!!!!!!! EXACTLY EXPERIAN MY IDENTITY THEFT is registered with the FTC AND I REPORTED TO EXPERIAN IN XXXX XXXX XXXX!!!! ) that reported a fraud address of XXXX XXXX XXXX XXXX on my XXXX XXXX XXXX XXXX XXXX name experian report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: ID Analytics, Inc.
State: PA
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 am filing a complaint due to inaccurate information on my credit report, specifically to my account at XXXX XXXX XXXX  with an account number of XXXX. This account is reporting inaccurate information such as payment history, date of last activity, payment status, etc. 

I am not even aware of why this account is in charge-off status. I have paid this account in full, and I don't have any financial obligations with them anymore. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: DISCOVER BANK
State: TX
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:
Hello, I filed a transaction dispute for the transaction of {$45.00} XXXX XXXX XX/XX/2022. Discover first resolved the transaction in my favor but later reopened the dispute and resolved it in the merchant 's favor. The transaction was unauthorized because I made a valid transaction with the merchant on the same day for {$64.00} but the waitress charged my card for a further {$45.00} without my knowledge. I did not sign a receipt for {$45.00} and if they have evidence of this I would ask them to show it. When I called, the agent advised me to submit proof of the {$64.00} purchase, but why would that even be relevant if I'm not disputing that transaction? It makes no sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt was sent to a debt collector XXXX XXXX has deleted the debt and refunded my money XXXX  out the debt But NCA refuses to relinquish the debt NCA is trying to collect a debt that has been canceled by the original debtor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Remitly, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used Remitly services to send {$1200.00} to benefiecry in XXXX. Remitly notified me that money was sent on XX/XX/2023, and the transaction was successfully completed on XX/XX/2023. The transaction reference number : XXXX provided by Remitly. However, It's been two months since the transaction done by Remitly, but my beneficiary ( XXXX XXXX XXXX XXXX ) did not receive funds till now. My beneficiary ( XXXX XXXX XXXX ) is a reputed XXXX travel agency headquartered in XXXX, XXXX, providing travel services. I contacted Remitly multiple times to solve this issue, but Remitly never helped me and always gave false information. One Remitly agent informed on their chat section that funds won't be delivered to the beneficiary as the beneficiary is a business account. Another Remitly agent told me that the beneficiary would receive the funds ; it doesn't matter if it's a business account. Third time, Remitly agent said funds are successfully sent to the beneficiary, but the beneficiary never received the funds. Fourth time, Remitly agent told that they will investigate the issue, but I never got reply or solution from them. It is my hard-earned money which is lost because of Remitly incapability and misinformation. After not getting help from Remitly, I disputed this transaction as the beneficiary did not receive the funds. Remitly kept saying funds were transferred, although it was never received. I recently discovered Remitly suspended my account as I disputed the funds with XXXX XXXXXXXX XXXX. Remitly did not take any responsibility for this situation and did not help me at all. 
In conclusion, Remitly has given mental harassment and incorrect information about fund transfers. The reference number of the fund transaction given by Remitly is not traceable, and my beneficiary and beneficiary bank are also confirmed that funds are not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late/Closed : XXXX XXXX {$0.00} Collection : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX {$290.00}

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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$32000.00} ; XXXX  - XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$320.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$29000.00}.

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 2021-07-24
Company: Colony Brands, Inc.
State: TN
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:
Earlier this year I checked my credit profiles and noticed a Ginny 's credit card on there that was supposedly opened in XXXX. Ive never had a Ginny 's credit card. I don't even know what Ginny 's is. Ive mailed certified letters to them 3 times between XXXX and XXXX of XXXX and have not heard back from them ( I have proof of delivery all 3 times ). Ive spoken to 3 customer service reps. They are not even attempting to resolve this issue. They continue to give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: SOUTHSTATE CORPORATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sold an item on XXXX to someone who wanted to pay by check as they claimed to be older and didn't use XXXX etc..The check I received was greater than the sale amount. Buyer claimed bank cut a check for wrong amount, and to XXXX her back the overage. Unfortunately, I did XXXX her back the overage amount, and the initial check was later canceled due to being fake. So I lost the money via a XXXX transfer. The money was sent to South State bank. The buyer also asked to send them my debit card info, as the bank ( south state ) needed that. She also kept asking I send her more money. Included is attachment of conversations via text and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On my credit report my name appears 5 ways.

1. XXXX XXXX XXXX Name ID # XXXX 2. XXXX XXXX Name ID # XXXX 3. XXXX XXXX Name ID # XXXX 4. XXXX XXXX XXXX Name ID # XXXX 5. XXXX XXXX Name ID # XXXX Number 2 is the correct one. 



On my credit report. There are incorrect addresses. 

XXXX XXXX XXXX EXT # XXXX XXXX, NY XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, NY XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, NY XXXX Address ID # XXXX Multifamily All of these are incorrect information and I never at any point in my life lived in XXXX NY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: GA
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:
o whom it may concern : The credit bureaus are once again violating my FCRA rights specifically 15 USC 1681 ( 5 ). According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. I previously asked XXXX, Equifax, and XXXX to verify an account being reported on my credit report as 30 days late, and all 3 bureaus quickly responded that the account was verified as accurate, but that account was never verified nor accurate. I even doubt any proper investigation was done at all. The reason why I am saying that is the account is XXXX  or XXXX, but the account number is XXXX on XXXX XXXX on XXXX XXXX and on Equifax Account # : XXXX XXXX XXXX Are not correct completed numbers. Xs arent any acknowledged numbers used by any known banking institutes to establish any banking accounts nor routing numbers, there for its not correctly verified to be accurate, and Accordin

g to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681s-2 A person shall n
ot 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

Look at the last dates updated on the reports, look at the balances, payments, etc all inconsistent, how is this verified as accurate? Come on now they keep resending the same automated results back instead of actually properly doing investigations and actually doing the work they are supposed to be doing. The time wasting is not appreciated, I am very saddened to keep having to play along with the games these bureaus are playing. This have been emotionally, and mentally draining. 

Lastly I even feel like my credit score is tempered with. Different sites give me different credit scores which really dont make sense. Everything can not be verified as accurate as is. Someone must be held accountable, something seriously must be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-10-06
Company: LEXISNEXIS
State: PA
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 am filing a complaint due to inaccurate information on my credit report, specifically to my account at XXXX XXXX XXXX  with an account number of XXXX This account is reporting inaccurate information such as payment history, date of last activity, payment status, etc. 

I am not even aware of why this account is in charge-off status. I have paid this account in full, and I don't have any financial obligations with them anymore. 

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, 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:
I was notified when opening a bank account that I had a loan with this company. I tried calling but the company was very rude and told me I had to open the account. I never opened a account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I called and reported to XXXX TRANSUNION and XXXX that my identity may have been stolen because there were accounts that I did not own that were on my consumer report after alerting all three credit reporting companies about this matter they started a reinvestigation as I had already disputed these accounts as well as need XXXX to update my current address and delete inquires that were not mine as well I filed a report with the XXXX XXXX XXXX as I was told to do by agents of all three credit reporting companies XXXX TRANSUNION and XXXX all threee agents told this was the ONLY way to update my address and delete the fraudulent inquires on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 DEPT OF ED / XXXX : # XXXX XXXXXXXX DEPT OF ED / XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX : # XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX  : # XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # 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 an 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 response to consumer: Closed with explanation