BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: IN
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 had an auto loan open with XXXX XXXX ( XXXX XXXX ) during XX/XX/XXXX- XX/XX/XXXX. I never had a late payment on this account. I have the payment history for this account from XXXX XXXX. 

During the first week of XXXX, I noticed that the account was marked as 30 days late with XXXX credit bureau. I started the dispute and the account was updated correctly. I contacted XXXX XXXX and they verified that the account was never late and provided me with a credit reference letter. 

However, in the last week the updated credit report ( with incorrect payment information - marked as 30 days late payment ) was sent to all three credit bureaus. namely XXXX, Experian and XXXX. I have started the dispute with all 3 credit bureau It seems XXXX XXXX has some incorrect information on what they are reporting on my account to the credit bureaus.

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 2023-12-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I contacted USAA bank on XX/XX/XXXX after realizing my XXXX account was hacked. Someone purchased a {$1200.00} tablet with overnight shipping using my account information. I made USAA aware of this transaction after I had already changed my XXXX credentials. I provided USAA with the tracking number for the delivery, and they subsequently issued me a provisional credit for the amount lost. I explained to them that XXXX had no public-facing contact information. The customer service number refers you to the website, which doesnt allow you to speak with virtual agents. On XX/XX/XXXX, USAA contacted me, saying they could not substantiate my claim and would reclaim the {$1200.00} on XX/XX/XXXX. I was provided the full address of where the tablet was delivered and subsequently provided this information to my local police department for investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX My only social security number is XXXX My only correct date of birth is XX/XX/1996 I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

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 2023-08-17
Company: General Motors Financial Company, 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:
XXXX  Date : XXXX XXXX Account XXXX Action : certified letter was sent to remove all late payments ( XX/XX/2022, XX/XX/2022 ) account is paid, and now closed. 


XXXX Date : XXXX XXXX Account XXXX Action : certified letter was sent to remove this account I have not supplied proof under the doctrine of estopped by silence, Engelhardt v.Gravens ( mo ) 281SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


XXXX XXXX XXXX : XXXX XXXX Account number:XXXX  This auto loan was paid off through insurance settlement, i sent a certified letter to have account updated in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
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:
I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX NC 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 non-monetary relief
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills. I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPT EDXXXX XXXX {$88000.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX {$650.00} XXXX XXXX XXXX   XXXX {$510.00} XXXX/XXXX  XXXX {$420.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$540.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$540.00} XXXX  XXXX  XXXX {$700.00} XXXX/XXXX   XXXX {$640.00} XXXX  XXXX {$1500.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX   XXXX {$450.00} XXXX/XXXX XXXX {$700.00} XXXX XXXX XXXX  XXXX {$420.00}

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 2023-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This debt happened XX/XX/XXXX I went to court and I am permanently XXXX as of XXXX and I do not have any money for this debt and they are calling me and threating to garnish my wages and I don't have any wages to be garnished. I use to work for the XXXX XXXX XXXX XXXX but don't anymore I need this to stop because this along is making me sick about it Portfolio Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX. -- Prior ( same complaint ) you closed without resolution -- -please STOP closing the complaint when the company responds but the issue is NOT RESOLVED. I am tired of refiling the same complaint over and over. 

This is now my XXXX complaint about the same problem. I can not access my Experian account online. They do not recognize the password and the phone number associated with the account is not mine so that I can update/change my password. 

I received a call about the issue from them and they left a message -- -I followed up and got an answering machine. No one has responded.

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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please removed the following inquiries completely from my credit reports. 
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 2020-04-01
Company: ID Analytics, Inc.
State: OH
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:
They are reporting false information about me XXXX XXXX. I have accounts that was used by someone and I didnt know who did it and I being held accountable for the account that i didnt use. My social security number is XXXX. Date of birth XX/XX/XXXX. My identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Experian Information Solutions 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:
I am rewriting to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX with account number XXXX, XXXX XXXX  with account number XXXX, XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. Thank you for your attention to this matter. Attached here is the Identity Theft report filled.

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 2023-08-11
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion has failed to remove a fraudulent collection off my consumer report that was reported in a FTC complaint. This alleged creditor is illegally pursuing debt collection in this matter and Transunion has been notified and informed of this many times via letters and has failed to remove from my consumer report. I also added all violations and consumer laws in my letter to Transunion and they have failed to remedy the situation. This still has not been removed. 

Creditor : XXXX XXXX Account # 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 2021-02-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021, I sent through the agency MONEYGRAM PAYMENT SYSTEMS , INC. the amount of XXXX USD to my bank account in XXXX. I had been a regular user of their services, without any inconvenience, until now. 

However, to this day I have not received the corresponding money from that transaction, there have been open four investigation cases of which they refused to give me an identification number, the first of them was opened on XX/XX/2021 the second on XX/XX/2021 the third one on XX/XX/2021 and the fourth one on XX/XX/2021, in all of them the agency has refused to send me proof that they sent the money to my receiving account in XXXX, so I do not have a document that allows me to initiate a dispute in XXXX. 

The agency only tells me by phone that they have proof that the bank in XXXX has confirmed that it did receive the money, however every time I requested for that proof, they say that I have to wait XXXX days to receive it, otherwise I must open another investigation case. 

Four investigation cases have been opened, they have not provided me with my money or proof that they have already sent the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
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.

has violated my rights. Or list of inquiries 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 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 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed a few inquiries on my report that I do not recognize

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 2023-08-05
Company: Experian Information Solutions 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 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 2023-04-29
Company: CCF Intermediate Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a call on XX/XX/XXXX at XXXXXXXX XXXX AZ time from XXXX. No message was left. At XXXXXXXX XXXX AZ time on XX/XX/XXXX I returned a call to XXXX. A woman answered by the name of XXXX XXXX She asked for me by my first name only. I verified that I was who she was asking for. She explained that she was from XXXX XXXX XXXX XXXX XXXX, talking very fast. She said " We have a claim here ready for due process, due to go out against your social in reference to a default judgment. '' I told her I could not hear her and to please slow down. She said " We are filing a judgment for wage garnishment on behalf of Speedy Cash for a payday loan, Do you want to resolve it.? '' I told her that was included in my bankruptcy. She said good luck then hung up. When I filled XXXX in XXXX. I personally mailed Speedy Cash the case number and discharge date. I also verified that they received the notice of filing XXXX XXXX XXXX and the discharge date. I called XXXX back and that same woman said This is XXXX XXXX  then hung up on me. She did this several times then I stopped calling.

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 explanation
Consumer complaint received 2023-08-05
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: Account information incorrect

Complaint:
Metro 2 compliance letter sent to Experian to correct inaccuracies with full detailed technical statements.

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