BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
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: Personal information incorrect

Complaint:
After reviewing my credit report, I have found numerous inaccurate names, aliases and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company did even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( K ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such noticed may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since i was not aware of the transaction therefore made uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

I hereby request you do the below mentioned things, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE. THESE LATE PAYMENTS IN PURSUANT TO 15USC 1681a ( d ) ( 2 ) ( i ) From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below -mentioned things, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DELETE THESE ACCOUNT OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) If you accept my request, i will not escalate this matter to Federal Court. in case, you dont accept the above request, a legal action shall be taken against your your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX All Right Reserved Without Prejudice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27
Company: EQUIFAX, INC.
State: ID
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:
Credit Bureaus told me that XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX have verified that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I request for a copy of my payments to verify what they say is indeed correct but they did not provide it. CFPB please reverse the late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I review my updated credit report in XXXX XXXX, I see that the same accounts were inaccurate. The 3 credit Bureaus are required to validate and reinvestigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$450.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$1900.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX Balance : {$3500.00}, XXXX XXXX Balance : {$5200.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX : {$330.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance XXXX {$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 2022-05-13
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: Account status incorrect

Complaint:
My loans were reported on XX/XX/2022 as 90days late. My loans were on a {$0.00} repayment plan, and student loan payments are pauses until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Atlanticus Services Corporation
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Recently, my credit card company, Aspire, reached out to inform me about a new monthly fee that was to be added to my account. In order to make an educated, responsible decision regarding whether or not it made sense to keep my account open in light of the new fees, I requested a copy of my current cardholder agreement to compare to the new agreement that was proposed. 

When I requested a copy of the current agreement on XXXX, I was told the following by Aspire on XXXX : " Our records indicate that your account maintenance fee was recently updated and as per the new credit card terms and conditions and your monthly maintenance fee will be increased from {$0.00} to {$5.00} effective from XX/XX/2023. Hence, we are unable to provide your previous card holder agreement. '' I asked the following on XXXX : " Why am I unable to receive documentation regarding my original card agreement, especially considering that the change in maintenance fee is not yet effective? '' To which Aspire simply said ( XXXX ) : " Unfortunately, we are unable to send your Cardholder Agreement. You can find the information on Generic Cardholder Agreement. Please be advised that, Generic Cardholder agreement will be available by clicking on the support tab from Aspire Account Center. '' I then sent the following to Aspire on XXXX : " Can you please explain to me why you can't send me a copy of my current, active cardholder agreement? From ConsumerFinance.gov : 'Under federal law, your credit card issuer is required to provide a copy of your agreement upon request. ' It succinctly states that the requirement is that a copy of my cardholder agreement is to be provided, not a generic overview. '' After I sent this response, Aspire, despite previously replying in 1-2 business days throughout our earlier correspondence, ceased all communications. I believe that they are purposefully ignoring my updated request in order to stall out until the new cardholder agreement takes effect. I believe they are doing this as to skate around fulfilling their requirements as described by federal law. 

Through these actions, Aspire has shown a lack of willingness to provide consumers with the information needed to make responsible financial decisions regarding the use of the credit options offered by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Using Moneygram.com I sent money to receiver XXXX XXXX Reference Number XXXX, send amount of {$1100.00}. 

The receiver when to bank to receive the money, she provided the reference number and filled out Receive form, after this- she was advised that they do not have XXXX and she needs to come another time. 

less than 1 hour from the time she left the bank/moneygram location, the money were withdrawn but not by the receiver! 

Bank Name : XXXX XXXX Address : XXXX, XXXX XXXX. No : XXXX, XXXXXXXX XXXX I called XXXX to raise the complaint. They never asked for the location of the bank. 

Problem : XXXX says there is no issue because the reference number is provided and money was withdrawn. 
They are not looking deeper to see if they have an issue with MoneyGram representative stealing reference numbers. 

The receiver provided the necessary information to the bank/MoneyGram representative and they had all the information needed to withdraw the money : ( 1 ) reference number and ( 2 ) Receive form signed by the receiver. 

Even though, it was mentioned that we believe the " reference number '' is stolen by the MoneyGram representative, MoneyGram never asked about the location of the bank Second Problem : I have requested the necessary information used to make the determination, but no results.

See attached email resolution from MoneyGram

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly update or delete the following items. Thank you. 
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

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 2021-07-12
Company: EQUIFAX, INC.
State: LA
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 submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. It has been over 60 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
This CAPITAL ONE AUTO FINANCE account was paid/closed as of XX/XX/2018 and is still showing on my credit report today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Upgrade, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have a few lines of credit with Upgrade which I have informed them I will no longer be paying as a result of Upgrade breaching our contract, violating my privacy rights and deliberately providing FALSE information. I have to bank account linked to these loans, As retaliation Upgrade has refused to to allow me to remove any one or either of those accounts. I want to remove these account because I found out Upgrade is able to ascertain all my transactions including my medical transactions which is a direct violation of my Hippa rights. Further, a more severe violation because Upgrade takes that information and sells it to third party data collecting companies. Which is also a clear and direct breach of our contract a contract Upgrade drafted. I am requesting Upgrade remove my account ending in XXXX from all loans/ lines of credit it is linked to. I no longer will provide Upgrade permission to debit this account nor collect information from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and there is no update very much over 30 days, no results nor feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, 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:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't XXXX XXXX correct. Under U.S Code $ 1681e ( b ) ( b ) Accuracy of report. Improper use of my consumer report The Congress under the Fair Credit Reporting Act ( FCRA ). Please be advised this WRITTEN REQUEST and FINAL WARNING. The List of accounts below has violated! my federally protected consumer rights to privacy XXXX! confidentiality under 15 USC 1681. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Block this information from my credit report, pursuant to section 605B & FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My property is being foreclosed on XX/XX/2016 without appropriate notification. Th representative does not know at nation star mortgage what happens at a foreclosure sale date was not able to provide sufficient answer the only I found out was by a foreclosure preventive attorney who sent me the notice of sale date attached. I have ill mother at home they sent XXXX field office officer who banged at the door so hard my mother was scared did not open the door they left a notice at the door stating mortgage holder will have the property winterized. This is harassment not a process. I declined the modification because the monthly payment was too much. The resolution I require is appropriate notification of sales date, if possible why cant the mortgage company work with current housing market value instead of a loan balance of XXXX the house is only worth XXXX please take this complaint to a escalated level I am harassed by nation star Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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 ( XXXX Account # XXXX ), ( XXXX XXXX, Account XXXX XXXX ), ( XXXX XXXX XXXX, XXXX XXXX XXXX Account 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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:
Hello i am trying to get the credit reporting companies to stop reporting false information on my reports.The three major reporting companies all show multiple errors on my reports.I have repeatedly asked to have the items verified that are incorrect and i am just been runaround for over a year now.I have sent certified notorized letters demanding proof of verification as they are under a legal obligation to do so.I have been lied to by all three companies.I have been told that im not giving them adequite time to XXXXXXXXXXXX  have by law 30 days and i have been disputing the same errors for well over a XXXXXXXXXXXX  received no responce from any one of the companies with the certified letters sent the first of XXXX XXXX alone violates the laws governing their right to report unverified XXXXXXXXXXXX  can you say its been verified when you all show accoubts that were never late yet you show derogatory payment XXXXXXXXXXXX  of these accounts are over XXXX years old and have had XXXX balances for XXXX or XXXX  years but yet you show it as derogatory with numerous missed payments and you show the last reported date as like XXXX XXXX is that possible on an account that has been paid off since XXXX all have notified me that you verified this XXXXXXXXXXXX  you have not or you would see you are in violation and reporting false information that is hurting my ability to XXXXXXXXXXXX  look at the XXXX credit all three companies have been showing it as XXXX for XXXX years or so and i have repeatedly disputed this XXXX show it as a 60 month XXXXXXXXXXXX  you look at your own report you will see that i have had that account for XXXX  years, Also it is current and no past due balance is XXXX again false information that you repeatedly claimed to have XXXX a company called XXXX XXXX  has repeatedly had hard pulls on my credit that i have not ever XXXX have never had any loans with them other then XXXX of my credit cards is through their company and XXXX  XXXX  uses them for offering loans that i never asked for.They show over XXXX hard pulls on my report with them alone.How can this happen if you are following the XXXX Texas staute of limitation on debt is XXXX years but you have multiple XXXX year items reported on my reports.How is it possible that you actually verified the information like you have repeatedly stated to XXXXXXXXXXXX  am XXXX  to contact an attorney and sue for the numerous damages that are being caused by your false reporting of unverified XXXXXXXXXXXX  will be my last attempt to handle this XXXXXXXX it is not done correctly with actual verified information and all others removed i will be forced to file a lawsuit and seek compensation for damages.

Company response to consumer: Closed with explanation