BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: Experian Information Solutions 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:
Hello, I have credit inquiries that I have asked to get removed from the credit bureaus and to no avail they have not been removed as yet. To my knowledge I did not authorize these credit inquiries to be on my report. 

The following are a list of those inquiries that I did not authorize : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( 3 times ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank I also have a collection account from XXXX XXXX that was sent to XXXX XXXX XXXX, this was resolved with XXXX but is still showing on my report I have asked for this to be removed as well and to no avail it is still showing on all XXXX credit bureaus. 

Please help me to get these removed they are hindering me from repairing my credit.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: GA
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 received XXXX hard inquiries on my Experian credit card profile from one XXXX credit card application. The XXXX inquiries are listed below : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX DE, XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

There was a problem with address verification on the initial application on XX/XX/XXXX. I had to submit documentation multiple times through XXXX 's portal and docusign. Then no one from XXXX would review the documentation until I called back. 
Eventually I was approved on XX/XX/XXXX for the card after only providing my IRS XXXX confirmation letter. However, this had already been supplied on XX/XX/XXXX per XXXX records. As a result, I should have been approved for the card within XXXX  days of the initial application date of XX/XX/XXXX, therefore only resulting in one hard pull. Please remove one of the duplicate hard pulls.

I tried to resolve the matter directly with XXXX, and their reprensentative said " hard pulls are not necessarily bad '' ( This is a completely false statement as hard pulls always result in a person 's credit score declining which is objectionally " bad ''. ). XXXX also stated they have the right to pull my credit report as many times as necessary which doesn't seem right.

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 2023-05-30
Company: RIA FINANCIAL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi good day, I'm XXXX XXXX XXXX from XXXX XXXX XXXX XXXX last XX/XX/2023. I send money from XXXX XXXX in XXXX using Ria. I send my money to my account in XXXXXXXX XXXX in the XXXX but my money is not went thru to my account and then I call ria they said there are some problem with account number and my bank send it back to ria and I said it's impossible I got mistake with my account number because this my second time I send money from XXXX XXXX and I used XXXX XXXX that time. And then I ask them can we correct this account number and send this money originally to my account name and bank which is XXXX to solve this mistake, and they said no, they say I need to go back in XXXX to refund the money, which I can't do that because I'm in XXXX and the ship is XXXX too. And they said the only I can do is go back to that store and refund the money. For me how many times I call and I send an email to them to solve this problem.Its looks like they don't want to help me to solve this problem.the HR team are willing to help me for any supporting documents they need. I hope you can help me regarding this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I was checking my most up to date credit report, and noticed some fraudulent accounts are still present. I sent out a letter to all 3 major credit bureaus, Experian, XXXX, and XXXX, demanding that these accounts be removed. All 3 credit bureaus received said letter on XX/XX/2023. On my XXXX XXXX account, XXXX and XXXX removed the fraudulent accounts. However, I noticed that the XXXX and XXXX portion on my Experian account is still shown. As stated in the letter sent, section 609 ( a ) ( 1 ) ( A ) of the fair reporting Act clearly states, " that ALL credit bureaus are required by federal law to verify, through the physical verification of the original consumer contract, ALL accounts that you post on a credit report. '' It has been over 30 days since Experian received said letter, and those fraudulent accounts have NOT been removed. Nor have they attempted to reach out to me. Experian removed them, but again, NOT from the XXXX and XXXX side of my Experian 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX Employer : XXXX XXXX Inquiries : 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  Name : XXXXXXXX XXXX XXXXXXXX XXXX Employer : XXXXXXXX XXXX XXXX XXXX XXXXXXXX KS XXXX Addresses : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiry : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Im a senior citizen and was sent a text from XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX XXXXXXXX. I was told for {$49.00} I can do a photo shoot and I could model. On XX/XX/2022 I went in for photo shoot. Then they take me in the office and said they like my photos and want to use them I have to pay {$5000.00}. I told them I couldnt afford so they went down to {$2000.00}. I gave a {$450.00} down payment and felt pressure in signing not realizing what I was signing. They wouldnt let me cancel the next day and they said I owe {$1500.00} additional. I didnt get the photos nor do I want them. They now sent bill to a collection agency and it has gone on my credit report. Its Monterey Collection service XXXX, Calif. I feel this company is taking advantage of senior citizens and I dont know what to do. I am XXXX XXXX XXXX. Can you please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX* US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED 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 2023-05-09
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt collector, TSI, has not accurately reported my payments to the Lender, XXXX XXXX XXXX, for 36 weeks. My loan was fully repaid on XX/XX/XXXX, but XXXX XXXX XXXX continues to garnish my wages due to TSI 's failure to accurately report my payments. I have asked both XXXX XXXX and TSI to accurately report my payments no fewer than 5 times, with no progress. 

Payments : XX/XX/XXXX Check XXXX Check - {$2000.00} XX/XX/XXXX Check XXXX Check - {$2000.00} XX/XX/XXXX Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00} XX/XX/XXXX Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This complaints is directed to a company called AFFIRM Inc. They've been trying to collect from me the amount of {$780.00} plus interest even though the money they've loan got refunded by the airline company aka ( XXXX XXXX ). The situation started when I book myself on XXXX XXXX for XXXX XXXX and apply to AFFIRM Inc. to cover the payments. But upon 10 days before the flight I receive an email from the airline Co. that they are canceling the flight due to the country ( XXXX ) is on lock down because of Covid 19 increase cases in the country for a month. I naturally inform them immediately of the situation by calling them and informing the on their website which lead to email correspondent. Upon informing on what's happening the only answer they told me is that they will get back to me after they confirm about the situation. After that I did not heard from them so I follow up by calling and taking to one of their customer service representative about status of the cancelled transaction which she inform me that there's no answer yet. After XX/XX/XXXX I receive an email telling me that I am past due on my payment so I decided to check with the airline Co. if the funding they covered for the booking got refunded. My answer from the XXXX XXXX is YES they got refunded automatically due to the cancellation. I email them of what the airline co. inform me and told them that I do not owe them any payment cause the service has not been rendered and the payment was refunded to them back. After that they automatically keep billing me and I email the back reminding them of the refund they already receive. After a month later I've been checking my FICO score thru XXXX and that's the time I've discover that my score drop down tremendously to good to bad because of their claim that I am not paying on time even though I did not pay them at all not a single cent. I have file a complaint about the issue thru XXXX they said that they will send the topic to AFFIRM Inc which they did nothing about it and they continued maintain that in my record. I again file complain to XXXX telling them I got records and evidence which I send to them by mail. I call them to do a follow up they acknowledge that they receive my document and inform me that they do not want to anything about it and that is the time they inform me to go to your website CFPB to present my problem to your organization. I am hoping you can help or find me remedy to my problem. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called them again stating that I'm not able to make the payment and they hung up on me twice This is ridiculous. I need to open a legal case against them because they put me on a payment plan without my consent and now they don't want to provide assistance They wrongly put me in a payment plan The second representative was XXXX or so I don't remember the name of the first lady, but they had an attitude while in the phone I can make the payment on the XXXX, I will do it on the XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: NY
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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
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:
In despite of my previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$520.00}.

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 explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I sent letters to XXXX and Equifax about the wrong addresses reporting to my credit report. 

XXXX is showing XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax is showing XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello! XX/XX/XXXX I sent two amounts of {$25000.00} and {$28000.00} to an account with Wells Fargo bank to pay the down payment of buying a house with XXXX On the same day I find out that the recipient 's account details that I received into my account were from a scammer XX/XX/XXXX I filed a complaint about the suspension of payment Also connected to the FBI, this organization has frozen these funds Since XX/XX/XXXX, I can not receive these funds in my account. I came to Wells Fargo bank several times, wrote letters and complaints, but never received the money

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 Account 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 XXXXXXXX, 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 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 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Contacted XX/XX/XXXX on XXXX XXXX discovered account balance on Paid account listed over XXXX dollars. Tried to file dispute and was blocked from filing dispute on the account. 

I also tried with Transunion via XXXX XXXX of which I am a member and they have added information to my account access as to who is my grandfather and asking for his first name. I have never given this information and once again feel my private non public information is compromised via a third party source. I am XXXX years old and know who my grandparents were. They had or have nothing to do with my financial life. 

I subsequently contacted XX/XX/XXXX XXXX regarding this matter and they sent me a letter noting I owed nothing on this account RE : Case Number XXXX phone Number XXXX. Finally I am tired of having to disclose any personal private public or any familial information regarding my finances. I realize that you are not in a position to offer legal advice, however is this a matter I can take up with an attorney since these agencies are continued to abuse our good names with their refusal to correct.

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I am writing to XXXX XXXX and transunion because my rights have been violated under Federal law. Understand that if these accounts are not removed from my report immediately, I will have to take legal action.

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