BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted below. 

Here as follows are items in error : Personal Information Employment Information Please remove the following employer as it is not mine. 

XXXX XXXX Please remove as this isnt mine Attached is my complaint, drivers license, and social security card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Moneygram international is discriminating against me and my family in their respective countries of residence at this moment.At the federal level moneygram violates DODD-FRANK the law of the land in the United States.Additionally my state, California has a much more strict interpretation of DISCRIMINATION in the provision of financial services available to the public at large.This offense according to my governments is one and possibly the most serious offense a financial company can commit.It is in a class of its own and is far more serious than theft, for example. 
On XX/XX/XXXX Moneygram denied a transaction between me and my step-son XXXX, a transaction of XXXX dollars from XXXX XXXX XXXX to XXXX XXXX, XXXX, where my son XXXX is employed as an XXXX XXXX XXXX, XXXX XXXX. 
Afterwards in a call to moneygram they explain they are following some nebulous law of either country..moneygram will have to prove this. 
Moneygram instructed CVS via computer to not process the transaction.there were photos taken of the computer screen which are listed but not attached in the accompanying attachment. 
REGARDLESS of any CFPB action in this complaint or criminal action on the part of XXXX   AG ... .I am bringing a well thought, well planned, well -evidenced civil action against Moneygram intl prior to the 1 year statute expiration and plan on being represented byXXXX an international llaw firm who will stay with this case to the Supreme Court level if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Follow-up request that I have been a victim of identity theft and that 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$780.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}, 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 2023-05-18
Company: EQUIFAX, 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: CRED Technologies dba cred.ai
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: Card was charged for something you did not purchase with the card

Complaint:
This card work by having the user deposit money into the account. Three hours after depositing {$250.00} into an account that still had about {$100.00} my account spending power was $ 0- I had not made any purchases. I was intending for this money to be used to purchase XXXX gifts. After three separate phone calls I received no clarification aside from being informed that my account was showing negative {$650.00}, I could not see this reflected in my app, had not made any large purchases on this card ever, and no one could explain to me what this charge was labeled as. The only escalation solution was to schedule me for a call in two days, on XXXX eve. I have since gotten {$100.00} added back to my account with no context, and no knowledge of where the rest of my money is. So. No information from customer support, no one further than a call center attendant to speak to, and no explanation of what this mysterious charge is. The only question they would answer apart from their " escalation '' scripted schpiel was that yes, it is an internal issue, and yes, others have been experiencing the same thing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$6000.00}

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 2023-05-18
Company: Experian Information Solutions Inc.
State: VA
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 sent the following letter to Experian XXXX and XXXX all failed to respond, between the breaches and not keeping our information safe this is ridicolous YOU ARE BREAKING THE LAW UNTIL YOU CAN PROVIDE ME WITH A DOCUMENT PROVING THAT I GAVE ( CREDIT CONTROL CORPORATI ) MY REQUEST TO RELEASE INFORMATION TO YOU, ( Experian, XXXX or XXXX ) I DEMAND YOU DELETE THE FOLLOWING ACCOUNT ( S )! 
- Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 
I reserve the right to protectthe privacy of my personal information and medical records from all third party reporting agencies. 
Please send the above requested information to my mailing address listed above. 
This letter is a request for validation and I request full documentation containing all information you received from the service provider of this alleged debt. 
53 MEDICAL COLLECTION REMOVAL Continuing to report this Medical debt without properly validating and providing me proof of permission is a violation of the FCRA ( Fair Credit Reporting Act ). 
You have 15 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required.

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 2023-07-18
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a prepaid online giftcard from Myprepaidcenter and the card expired in XX/XX/2023. I called to ask the company for a new card and my request was denied. I am now unable to use my funds and the company has pocketed my cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: AL
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:
The company is reporting that I have late payments on accounts that were in deferment. I have tried calling and explaining, but no one listens to my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My interest rate increased from 16.15 % to 20.15 %, without any notification of this in advance. 

After calling in twice ( the first time the call was disconnected from the companies end ) I was told the 16 % interest rate was a proportional Offer, and no interest rate other than what was originally given upon account opening is permanent. This is an unfair practice, given that I first opened this account as a college student, with little credit history, so that interest rate would be higher than those at the same Credit level I currently have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX account number : XXXX Account name : XXXX, XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account name : Credit Coll Account XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account number : XXXX 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 explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One extended credit to me through an offer that I utilized to be granted a {$750.00} credit limit on a credit card account number XXXX. However, by the end of 2016, I realized that I could not afford the card and called Capital one to cancel the card through customer service ( i.e., an option offered in the original terms ). They refused to cancel the card! 

So, I tried to pay off the balance with the intention of having it paid off, and not using it would force them to close it. I was overcome by the continuous increments in monthly fees. The balance on the card ended up being twice the credit limit!!! By law, after XXXX days of non-payment the card was supposed to be charged off ( i.e., written off as a bad debt by the company. That would become a deduction for the company from the IRS. The debt was later charged off with excessive fees and sold to different collection agencies. Over the years, it is now with XXXX XXXX XXXX, XXXX. 

Capital one made a profit by charging off the debt. Then sold the debt and made more money. Meanwhile, not reporting the correct dates when the debt was charged off and sent to collections. By changing collection agencies, Capital one has kept renewing the debt beyond age. How does a {$750.00} credit line become {$1400.00}? I couldn't use the card but my fees kept going up. That is almost twice the amount of credit extended. That is theft! It is inaccurate and unfair. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: AL
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, to inform you about some issues with my credit report. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report and I do not believe I was late on the dates they are reporting. These accounts should not be showing the current status of late since it's already been paid for. It seems impossible to accrue late on accounts that have already been paid. Correct the following accounts immediately : DEPT OF EDUCATION/XXXX XXXX Balance : {$6600.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$4900.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$4700.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$4000.00} XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$3800.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$2600.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$2600.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$2400.00} ; DEPT OF EDUCATIONXXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX Balance : {$130000.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: Experian Information Solutions 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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : 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 2021-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Bank of America closed my account after i got scammed on XX/XX/2021 i called them and told them about the transaction and they didnt stop or reverse the payment like i asked. They however let me file a fraud dispute because they agreed it was fraud then they denied me even after i had proof They scammed me out of money for a car. Told me they got the car from XXXX and they never did the car was smoking an hour later and almost caught fire they also sold phony tags which could have gotten me arrested i tried to request a refund on XXXX XXXX and he threatened me also gave me an altered phony title never told me the car was salvage or considered a total loss and never told me the car was in an accident this was never an as is sale i got completely scammed and i want my money back if possible. Ive had a good account standing with them and they didnt have my back they closed my account and didnt help me after this phony car company scammed me. i thought accounts were insured for up to XXXX this transaction was only 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 monetary relief
Consumer complaint received 2021-12-23
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Credit Collection Services threatening to place a judgment for a debt that does not belong to me. This company refuses to reveal any documentation verifying the validity of the alleged debt owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
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:
I am a victim Of identity Theft someone use my personal Information without my Authorization to open account for there Benefits

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 2018-09-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft and the inquires listed below are a result of the identity theft XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXXk XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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: Their investigation did not fix an error on your report

Complaint:
Despite of my previous requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. The following accounts needs to be updated immediatelly : XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$29000.00}.

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 2023-06-22
Company: EQUIFAX, INC.
State: CA
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 NUMEROUS request that I have been a victim of identity theft and that 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 XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance {$37000.00} ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief