BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: MD
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:
XXXX, Equifax and XXXX are violating my consumer rights according to U.S. Code 1666b and U.S. Code 1681a ( 2 ) ( a ) ( i ). I seek information regarding the verification process used by XXXX, Equifax, and XXXX to report late payments on my XXXX account, in line with U.S. Code 1666b. XXXX XXXX XXXX XXXX ( XXXX ) NEVER mailed me periodic statements 21 days before the due dates, as required by U.S. Code 1666b, for specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I question the inclusion of these late payments in my credit report under U.S. Code 1681a ( 2 ) ( a ) ( i ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, my elderly mother, who suffers from XXXX, XXXX XXXX ( email : XXXX ) was a victim of fraud, made possible by the services of Moneygram. 

On this date, she was experiencing issues with her XXXX account and used her phone to XXXX XXXX customer service number. For some reason, the first hit of the XXXX search provided a phone number, which she called. Later that day, when we reported this to the local police, the police officer was able to replicate the issue on my mothers phone but not his own. Upon my own research, I have learned that this is a known scamming practice that the FTC has been warning consumers about. 

Please see here XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXX for more information. 

When my mother called the number, she was connected with the scammer agent, who said that in order to help her, he needed to verify her information. He requested all of her personal information and then said, that when he reviewed her XXXX account, it looks like she is a victim of a scam and that she would need to Moneygram {$4500.00} in order to resolve this. My mother, again, who suffers from XXXX, fell for this trick and provided all information necessary. She was quite confused but kept falling back on the fact that this was the XXXX customer service number AND SHE HAD CALLED THEM. 

Due to her mental illness, my mother lives with me. I happened to walk into her room just as the transfer was taking place. I realized that something seemed off and we IMMEDIETELY contacted her bank ( XXXX XXXX ) to report the fraud/scam and to hold/freeze the transaction and her account. At the time, XXXX XXXX was extremely helpful and assured us that because we had called immediately, we would be safe. However, after the investigation concluded on XX/XX/XXXX, we were notified that because it was my moms fault, they could not fix the issue and she lost {$4500.00}. 

During this call, XXXX XXXX was able to disclose the name of the Moneygram account user and all of their information. The name listed is XXXX XXXX. This is the name of a famous actor and not a real person. I have opened claims with Moneygram and they said they can not provide any information, as they need to protect the privacy of the recipient. 

It kills me that Moneygram is a platform that allows scammers and evil people to access their systems to conduct elderly fraud and does NOTHING to stop it. 

My mother, who has little savings, is now down {$4500.00} ( XXXX moneygram fee ). I am so saddened by this and didnt know if you could offer any advice for fixing this. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 was reviewing my credit report and didnt realize a charge nor the company so I sent a letter so they can validate the charge, and they sent me a copy of my private personal medical information and dont even know the person nor did business with them they are in violation of the HippA law and I want them stop reporting and try to collect on this debt

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 2023-10-20
Company: Kingston Data & Credit International Inc.
State: OH
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:
They sent papers saying I owe this debt the names are two different companies they sent me information about me owing them I never signed a contract with that company so they need to remove this collection from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Netspend Corporation
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Today, XXXX, I receive a credit card in my name, with " netspend All Access '' listed on the front, with a master card logo on the bottom right hand side, issued by XXXX. 
I did not apply for this card, nor did I open an account with XXXX  ( or netspend ). 
The card number begins with XXXX. 
The card was mailed via USPS, and has all the typical documents and information found in a legitimate correspondence from a financial institution. 
I did some research online, and it appears that many people have complained to the XXXX  about the problem. XXXX 's customer service wants personal information in order to investigate. This situation is creating red flags.

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 2023-10-03
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Between XX/XX/ and XX/XX/, Rocket Mortgage paid my homeowners policy 3 times due to the insurance agent 's negligence. The result was my payment going from $ XXXX to $ XXXX. I am XXXX, on XXXX XXXX and diagnosed with XXXX XXXX. I am unable to meet the new payment amount and have gotten past due. Rocket Mortgage had almost the entire month of XXXX to step in and correct the situation but failed to do so. I found out about XXXX of the situation, contacted rocket mortgage and made them aware. However, they knew of the issue around XX/XX/ or sooner as they sent a letter regarding the issue. 

Previously, Rocket Mortgage increase my monthly payment to $ XXXX claiming there was a shortage from the previous year. They do my escrow in XXXX and my homeowners isn't paid until XX/XX/XXXX. I complained to them, my new policy was $ XXXX less this year than last year and stated they were unable to do anything about the payment increase. 

Rocket Mortgage records all phone conversations. I would like transcripts of my calls from XX/XX/2023, to date. 

Recently, I received a Right to Cure letter that I must bring the loan up to date by XX/XX/2023 or be foreclosed upon. I am past due around {$1500.00} due t my inability to pay the $ XXXX. Rocket Mortgage has refunded the overage in my escrow account and applied it towards the past due amount but it is not enough. 

Since this, Rocket Mortgage has ruined my credit. I have had on account closed and another had its credit limit diminished. My credit score which was in the low XXXX is now XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXXDOFED Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX credit card XX/XX/2023 late payment on an open account

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 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX XXXX XXXX the account is reported as open/late for 30-59 days late on XX/XX/XXXX and another on XX/XX/XXXX separately..How is this even possible if the number of days is only 30 and the late payments are on two separate months and the status is 30-59 days late?? This is absolutely ridiculous. XXXX XXXX/XXXX is also reported as open late for 30-59 days late but it doesn't say on my payment history as late. Delete this error, fix the accounts that are reported inaccurately because Transunion could not even do this for me. They could not even give me concrete explanation as to why they report it this way

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 2023-10-15
Company: EQUIFAX, INC.
State: TN
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:
XXXXXXXX XXXX  continues to lower my credit limits on accounts that have no late payments causing my credit score to be negatively impacted. This started with my XXXXXXXX XXXX XXXX  almost 5 years ago. They just recently reduced it to only leave {$9.00} available instead of the roughly {$100.00} available credit I had. I had also opened a line of credit through XXXXXXXX XXXX  at XXXX XXXX XXXX. I was granted a {$4000.00} line of credit, used about half of that and have already repaid the majority of the balance, never been late on payments there either, but they also reduced that credit limit to {$1100.00} recently - leaving me less than {$200.00} available credit. Each time they lower my credit limit, it appears that my balance is high and the credit is maxed out, which lowers my credit score and they use that as an excuse to continue lowering my limit - an unjust cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: NM
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2021-03-15
Company: Mar Joe Enterprises
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XXXX  they are 3 reports with no name. I have proof that CBC and mar joe are scammers. I want proof of everything they say I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
chime is an absolute scam. I have opened an account and as soon as I send money to it form my XXXX account. chime has locked access to my account. there is a message showing up I should contact them at XXXX but they completely ghost me and do not even bother to reply. so basically they stole all my funds which have been sent to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2021-07-02
Company: JPMORGAN CHASE & CO.
State: TX
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:
fraud the person pretends to be hiring manager and makes me believe I got a job. then send fake checks to me and ask me to withdraw cash and send to their vendor 's account. they say it is for the computer and software. but the check is fake and I send my own money to them after I make the deposit. then the check is withdrawn by the bank! I lost my money! and my bank account is frozen by the bank!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: CCS Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I purchased a XXXX XXXX from the XXXX XXXX XXXX located in XXXX and a full coverage insurance policy via XXXX XXXX Insurance was offered to me by the XXXX XXXX  at my time of signing. I advised the finance XXXX that I did not wish to continue with XXXX XXXX XXXX after being advised on the cost of the insurance and was told that the policy was cancelled effective XXXX hrs after my request. With no further communication via writing or any other communicative method I was then notified by my credit monitoring monthly service In XXXX of this year, XXXX that a collection had been added to my credit report in the amount of XXXX via Credit Collection Services. I then contacted CCS as the listed debt collection agency and was advised that this debt collection was on behalf of XXXX XXXX XXXX. I then contacted XXXXXXXX XXXX XXXX and was advised that there is no cancellation fee for cancellations within 24 hours, however my request to cancel effective immediately was not honored by the finance department and instead I was charged inadvertently for this amount and then without notice or advisement it was placed on my credit in violation of FCRA 15 U.S.C.1681 Sec.3 and FCRA Section 615 ( b ) ( 2 ). I have exhausted all methods of resolution efforts available to me at this time and am now officially filing a complaint with the CFPB to address this issue as this disparaging information is causing me mental anguish, emotional distress, and economic hardship.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: IL
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:
hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a charge from XX/XX/XXXX  for {$67.00} for an order from XXXX XXXX  which was never received. I was given a conditional credit on my credit card statement. On XX/XX/XXXX  Capital One reversed the conditional credit, apparently indicating that I lost the dispute. 

Capital One gave me no chance to submit complete information about the dispute. Capital One never told me of the vendor 's response to the dispute. Capital One never gave me a chance to contest the vendor 's claim to the dispute. Capital One never even told me the resolution of the dispute, they just snuck the new charge into my statement calling it a " Purchase Adjustment. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE REACHED OUT TO XXXX, XXXX, AND TRANSUNION NO LESS THAN 3 TIMES. I HAVE PROVIDED THEM EACH WITH THE REQUESTED STARTING WITH XXXX Duties of users making written firm offers of credit or insurance based on information contained in consumer files- section 604 ( c ) ( 1 ) ( B ) of the FCRA ( 15 U.S.C. 1681b ( c ) ( 1 ) ( B ) ), except for a person excluded from coverage of this part by section 1029 of the Consumer Financial Protection Act of 2010, title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203, 124 Stat. 137 AND 1022.123 Appropriate proof of identity AND THE REQUESTED FTC REPORT. 
THEY CONTINUE TO REPORT THE FOLLOWING ILLEGAL INQUIRIES WHICH I DID NOT GIVE MY PERMISSIBLE PURPOSE... 

XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX PLEASE HELP ME AS THESE FALSE OUT-OF-COMPLIANCE INQUIRIES ARE STOPPING ME FROM GETTING APPROVED FOR A HOME FOR MY FAMILY. THESE INQUIRIES ARE CAUSING ME DETRIMENTAL HARM MENTALLY AS WELL. I SHOULD NOT HAVE TO CONTINUE GOING BACK AND FORTH WITH THESE PARTIES. 

CFPB PLEASE HELP AS MY NEXT STEP WILL BE TO REACH OUT TO CIVIL RIGHTS LEADERS TO HELP ME AS MY CONSUMER RIGHTS CONTINUE TO BE IGNORED. 

PLEASE REMOVE THOSE INQUIRIES FROM MY REPORT IMMEDIATELY.

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