BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
Company: Medical Data Systems, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a notification of a collection from XXXX alerts. The notification indicated that I had a collections account from Medical Data Systems for {$200.00} dollars for a hospital visit covered by insurance for my daughter. 

The account and I had not received notice of a existing balance with Medical Data Systems. 

The account was paid as agreed and is still listed on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/XXXX  I noticed information being furnished on my consumer report regarding utilization and late payments. I have reached out to the creditor and the reporting agency, regarding the inaccuracies and unfairness. I requested that the late payments and utilization to be deleted due to privacy. The information being furnished on experiences and transactions are supposed to be excluded from consumer reports. Consumer reporting agencies are supposed to report accurately by the guidelines given in the fcra and they are not doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: SC
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 reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX 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 explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: PA
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 ask the credit bureaus to do a verification on my credit report which they did and said everything was accurate. I also did thorough research myself and found improper information on my report after the credit bureaus did their thorough research. Below you will find the Account name and account number. XXXX XXXX. In accordance with the Fair Credit Reporting Act XXXX Account : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-31
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have previously sent letters ( XXXX, XX/XX/2021 and XX/XX/2021 ) to Equifax to verify information on my report. They have continued to respond alleging that the information is accurate/valid. They have not to this day, sent me any agreement with any of these companies that bears the signature of the alleged debtor wherein I agreed to pay the original creditor. The obligation between the companies and I that allows them to collect on the alleged debt and any transactions between these companies that binds me to an agreement to pay them any money that they claim I owe. Payment history with these accounts is showing inaccurate with some being different than other reporting agencies, which is also proof that Equifax did not verify any of this information to be accurate or valid. I am showing incorrect payment history for the below companies on my report for Equifax, and therefore are demanding that they delete those accounts. A collection/chargeoff account by default is considered late. 

XXXX. XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, XXXX. XXXX - XXXX, XXXX. XXXX - XXXX, XXXX. XXXX  ( violation under HCFA Law ) collection with no name, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-26
Company: Experian Information Solutions Inc.
State: MO
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. 
XXXX XXXX XXXX  XXXX Balance Owed : {$610.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all lates immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. 
XXXX XXXX Balance Owed : {$0.00} - This just proves your lack of proper record keeping. Now, this item is reported to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately. 
XXXX XXXX Balance Owed : {$460.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXXrequested on XX/XX/2022 XXXX ( hard inquiry, adverse information ) in violation of section 5 ( a ) of the FTC ACT,15 USC 45 ( a ) Prohibits unfair or deceptive acts or practices under GLB ACT. OPTOUT /privacy NOTICE IS REQUIRED 160.4 ( a ) ( 2 ) deceptive omission of material fact.in violation of section 501 ( b ) of the GLB ACT,15 USC 6801 ( b ) Safeguard rules : to protect the security, confidentiality, integrity and privacy of the consumer NON PUBLIC PERSONAL INFORMATION from unforeseeable internal and external risk.Ive suffered and will continue to suffer substantial financial injury as a result of XXXX XXXX XXXX violation of the FTC ACT and GLB ACTXXXX XXXXXXXX XXXX has been unjustly enriched as a result of its unlawful acts or practices, it likely to continue to injure reap unjustment and harm the public interest in commerce .Please remove all adverse information.section 5 ( m ) ( 1 ) ( B ) of the FTC ACT 15USC 45 ( m ) ( 1 ) ( B ) fined is XXXXdeceptive acts or practices

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 2023-10-07
Company: EQUIFAX, INC.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
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:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX. I am submitting this complaint without any influence from any party or agency. Please see attachment/ attached documents and id as it contains my full complaint and request.

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 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received an inquiry alert from XXXX  regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from discover. I contacted discover and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.

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 2023-07-05
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS must remove any items no later than 4 business days after receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX  XXXXBalance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$2700.00} ; XXXXXXXX XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received an inquiry alert from XXXX regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from XXXX. I contacted XXXX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Despite repeated requests, Citibank refuses to return the {$150000.00} I have on deposit with them in a money market account. I decided to close my account when I first learned that the account was subject to withdrawal limitations that were not disclosed to me. I requested closure on XX/XX/XXXX and was told that the balance would be returned to me via XXXX within 3-5 business days. On XX/XX/XXXX, I spoke with XXXX that the closure had been requested on XX/XX/XXXX, but that the " back office '' had not yet approved it. She indicated she would send another request to the back office. On XX/XX/XXXX, I again contacted Citibank and after about an hour, I was finally connected to XXXX, a supervisor in the client relations department. He advised that the back office had not yet approved the closure, and he did not know when that would be done. He said he would make another request. When I asked about the reason for the delay, he replied " that is a very good question '' and that the delay was " definitely unreasonable. '' He declined my request to send me an email regarding our discussion. 
Citibank has no legal justification to refuse the immediate return of my funds. In my opinion, their failure is both unlawful and unethical.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: TN
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 a victim of identity theft. I filed a FTC report and police report and submitted them with disputes with the credit agencies. These disputes were not processed correctly and I am not getting copies of the verification process

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 2022-02-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We were on a covid 19 forbearance for 6 months in XXXX we sent in a request for an 180 day extension the request was denied we requested again and again denied. No notice was given that our house was going to a sheriff sale until I received a letter stating that my house was sold on XX/XX/2022 that letter came on XX/XX/2022 so was this some sort of secret sale because I have done alot of research and can not find anything about this now or in the past so if Rushmore Loan did this they did it in secret or this other person is lying who sent me the letter. We should have received the 180 day extension but were denied. Also a couple of questions that Rushmore has not answered. My brother XXXX who was responsible for the loan past away a few years ago I notified them they bought the mortgage from Beneficial without knowing this I told them my wife and I are current residents and homeowners for this property my brother had mortgage insurance in case something happened to him this was part of the original mortgage but after he died they said Beneficial there was none I still have the original mortgage showing it was apart of it so my brother always thought it was there so something happened to it without anyone 's knowledge or approval also at the time my brother signed the mortgage there turned out that there was no equity so my brother was going to walk out however Beneficial gave him a {$10000.00} side loan which he later told me he felt pressure to do and sign to get the mortgage I do not know what to call that type of lending practice. I am almost XXXX XXXX XXXX this was my family home so I know that it is my death sentence if I have to go homeless I have asked for our 180 day extension and maybe as things get better we can work something out. Thank you for your time and being there to help. I think this was a FHA loan but I know it was a government backed loan also I have the documents showing the side loan even the folder it came in labeled side loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2022-03-30
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On Tuesday XX/XX/XXXX. Venmo froze my account without notice or explanation. I contacted customer service and was told to upload my drivers license which I did while on the phone. I was told by the rep they couldnt do anything and another department that would only contact me via email would have to look at my account. I have {XXXX} locked in my Venmo account t without reason. {XXXX} of that money was from my VA XXXX distribution and another {XXXX} was from my XXXX payment because I am a XXXX XXXX  XXXX vet. These are my living wages for the month and without explanation or a means to resolve directly I can not access them. I cant use my Venmo debit or transfer these funds to my checking account. 
My assumption is I use this acct periodically for my business I run and Venmo is upset I did not opt in for a business acct so they can charge additional fees. I did not even know they had a business Venmo until reading deeper I got heir help files. 
So without any notice, all my money has been stolen by Venmo

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: Minto Financial dba Minto Money
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Borrowed XXXX. Payments are XXXX weekly. I was told payoff is XX/XX/2022. Now was told 9 more payments.

Company response to consumer: Closed with explanation