BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-08
Company: Affiliates Management Company
State: FL
Product: Credit card
Issue: Other

Complaint:
Approximately XX/XX/2016, I was contacted via my cell phone from a company called TMG Financial to which I had never heard of before. The representatives for this company called my cell phone 3-4 times a day asking me to send money for a credit card to which I had no knowledge of. I further stated to them that I had never made a debt or signed a promise to pay note with this company. I naturally assumed that they were scammers because they asked me to send money and asked me to verify my personal information to which I refused because if they had opened an account with me- they would already have all of my personal information. The reps for the company were very unprofessional and refused to stop calling my cell phone until he paid them. They further stated to me on several occasions that I needed to pay my bills or they would not stop calling my job and cell. Around XX/XX/2016, they began to call my job at the XXXX 5-6 times a day. They even called on the days when I was off duty. My supervisor began to complain about the amount of personal calls I was receiving at the job. I asked them numerous times to stop calling me- they refused. Lastly, they have even began to report late [ payments on my credit report which caused my score to plummet 60 points since that time. I repeatedly told them this account was n't mine and then asked them to provide me a legal debt validation to which they refused to send the contract. However, since that time- they have continuously reported false information to the credit bureaus and harassed me ion my cell and my job. This has caused me a great amount of undue stress because of the uncertainty of losing my job because of the calls and my credit worthiness being diminished. I know that my rights have been violated in accordance with the FCRA. I have kept careful record of the phone calls on phone log and have acquired a statement from my supervisor with the amount of calls to my job- along with monthly credit reports to show the decline in my score. Every time they called, they asked me to verify my personal information with them so that they knew if they had the right person- but they failed to make sure I was the right person when reporting to the credit bureau. I never made an account or signed any contracts to pay TMG financial. I will not hesitate to confer with a consumer attorney if this matter is not addressed expeditiously. Govern yourselves accordingly. The phone number they called from was XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: IL
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:
XXXX is collecting behalf of XXXX. However, the XXXX account in question was a business account under an LLC. The service agreement attached names the LLC as the customer ; not myself. The bills ( also attached ) names the LLC. I was the manager on the account and NEVER once gave my personal SSN to XXXX 

The service agreement has LLC as the Customer and the bills also reflect that same account number. XXXX  requests an account manager which is what I was, which is why my name is on the bills ( not the service agreement ). The LLC was closed and the XXXX  was also closed. 

This remaining balance, T-Mobile claims, is inaccurate nor is it my PERSONAL responsibility to pay. XXXX has not put this " collection '' on all three of the credit reports which is wrong. I have disputed this three times with each bureau and no additional information was provided by XXXX. XXXX also never attended to reach out to me prior to putting this on my credit reports. 

Furthermore, these predatory and illegal practices is unacceptable. I don't know how XXXX or this collection agency got my SSN information when I never provided it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian once again sent me a letter when I asked them to provide me the documentation that my account with XXXX was actually late at any time. PER The law in section 609 They must have on file the physical documentation to support their reporting, EXPERIAN REFUSES to give me this information. They sent me a letter stating that the credit grantor has verified the information. This is nothing more than a FALSE Statement. They are not willing to follow the law in Section 609. I am not going to continue going through this with them. They are reporting inaccurate information against me and are unwilling to update the account and remove their negative reporting. They are breaking the law. I am demanding this be updated to show paid ontime as I Never missed any student loan payment at anytime.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2023-10-26
Company: ENOVA INTERNATIONAL, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Email received from NetCredit XXXX Please Make a Payment Today Dear XXXX, Account # : XXXX Please make a payment as soon as possible by signing in to your account or calling us at ( XXXX ) XXXX. 


Your account is severely past due. We understand that certain circumstances may affect your ability to meet your financial obligations, and NetCredit is here to help! If you are having trouble making a payment right now, please give us a call and see what payment options for your past due balance may be available to you. 
Please find a detailed summary of your account below : Loan Number XXXX Past Due Payments 68 Past Due Amount {$10000.00} You can now make payments online with a valid debit card or bank account on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Affirm Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I never received the product that I financed and after two months of paying I stopped sending payments. Have on multiple occasions tried contacting the lender and the distributor about my problem and have received no help they have denied my claims and sent me into debt without any proof that I even had the product. I have tried disputing the debt and they then sold my debt off to a collection agency which has affected my credit score and stopped me from being able to have a clean record due to a derogatory payment being on file. I cant clean up my credit score if this is never removed as I have no plans on paying for services I never received. Would not recommend using this company for any loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed items that did not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

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 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 2023-07-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 explanation
Consumer complaint received 2023-06-17
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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
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:
I had previously looked into this account with false information, and after reviewing my report, I realized that the identical account continues to be false, with a confirmed status. Please update the enumerated account below : XXXX XXXX XXXX  XXXX XXXX : {$8400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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:
I had previously looked into this account with false information, and after reviewing my report, I realized that the identical account continues to be false, with a confirmed status. Please update the enumerated account below : XXXX XXXXXXXX XXXX XXXX XXXX : {$8400.00}

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 2020-02-04
Company: Travelex NY, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I placed an online order ( XXXX ) with Travelex on XX/XX/2019 which was supposed to be delivered on XX/XX/2019 for XXXX Japanese Yen  costing me XXXX US Dollars. This order was not fulfilled by Travelex until 3 weeks later after I was already in XXXX and had to pay for additional money exchange. I know have received the money and want to return to Travelex for a full refund of the money and fees charged to me by Travelex. The company still has their internal systems down due to a hack into their systems which I understand but they have done nothing to make up for holding my money for more than a month. 

I expect Travelex to pay me back my money, fees and also add compensation due to holding my funds illegally without returning them by XX/XX/XXXX. If I do not receive my funds, fees and additional compensation by XX/XX/XXXX I will pursue additional legal action due to customer harm caused by Travelex.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Subject : Dispute of Inaccurate Reporting of My Information - Violation of Fair Credit Reporting Act To Whom It May Concern, I am writing this letter to formally dispute the accuracy of the information being reported by your agency regarding my credit history, specifically with regard to XXXX XXXX XXXX XXXX, as it pertains to Account number : XXXX and Account number : XXXX. It has come to my attention that you have been reporting information related to these accounts without my consent, and I believe that this action directly violates the Fair Credit Reporting Act ( FCRA ). 

The FCRA, under 15 USC 1681b, clearly outlines the permissible purposes for which consumer reporting agencies may furnish credit information. It is my firm belief that your actions in reporting my information without my consent are in direct violation of this statute.

Moreover, I wish to bring to your attention several other sections of the FCRA that have been violated by your agency 's actions. According to 15 USC 1681 SECTION 602, I have the right to privacy concerning my credit information, and your actions have compromised this fundamental right. 

Furthermore, 15 USC 1681 SECTION 604 A SECTION 2 explicitly states that a consumer reporting agency can not furnish information about an account without the consumer 's written instruction. I have never provided such instruction for the accounts in question, and yet you have reported them without my consent. 

Additionally, 15 USC 1666B establishes that a creditor, in this case, XXXX XXXX XXXX XXXX, may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I request that you ensure that " ALL '' late payments associated with the accounts mentioned be updated to " Paid as Agreed Never Late ( PAANL ) '' immediately, in accordance with this statute. 

In light of these violations of the FCRA, I kindly request that you take the necessary steps to correct this inaccurate reporting and update the information associated with Account number : XXXX and Account number : XXXX to reflect my true credit history. It is my right as a consumer to have accurate and up-to-date information on my credit report. 

I am providing you with this written notice as per my rights under the FCRA, and I expect you to conduct a thorough investigation into this matter and the method you use to verify. I also request that you promptly inform me in writing of the results of your investigation. 

Please be advised that I take my rights under the FCRA seriously, and I am prepared to take further action to protect those rights if necessary. I trust that you will address this matter promptly and in accordance with the law.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXXS, TX XXXX, XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX RV Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/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 2023-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear CFPB Representative, I am writing to you in regards to a dispute I have had with Capital One regarding a fraudulent online course purchase that I made on XX/XX/2023, using my Capital One credit card. I am hoping that you can assist me in resolving this matter. 

The online course was purchased for {$1500.00}, but it turned out to be a scam. I immediately contacted the merchant and requested a refund, but they did not respond. I then filed a dispute request with Capital One and provided plenty of evidence to support my claim, including the fact that the online course access was removed from me even though I paid for it. 

Despite my efforts, Capital One has denied my dispute and closed the case, stating that I need to contact the merchant directly to resolve the issue. I have already tried to contact the merchant and have not received any response. 

I believe that Capital One is not fulfilling its obligation to protect its customers from fraudulent merchants. I am seeking your assistance to resolve this matter and to ensure that I am not held responsible for this fraudulent charge. 

I would appreciate your prompt attention to this matter and look forward to your response. Thank you for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
It has been about 3 years since I 've discovered that the credit bureaus made an error, where they have me and my brother as the same person. We do have very similar names, mine being XXXX and my brother 's being XXXX, and our social security numbers only have a differing last digit while the rest of the numbers are identical. I have filed for dispute multiple times as my brother did, and we were also forced to pay a fee to correct this error last year. Just recently, I 've discovered that I still can not pull my credit report and all of my credit history is combined onto my brother 's. 

I would really appreciate any assistance in rectifying this issue as soon as possible.

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