BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-17
Company: AR Resources, 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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXXI mailed a certified dispute letter to AR RESOURCES INC and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 150 complaints on XXXX they also have many complaints with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: IN
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:
remove late payments, payments never late XXXX Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Open. {$580.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Open. 
XXXX XXXX XXXX SIMPLE Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Open. {$570.00} past due VCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX IN XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXX IN XXXX Resident type Apartment complex

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 2023-09-05
Company: EQUIFAX, INC.
State: CA
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:
An email was sent to me saying that my credit score has been impacted by a new credit card that was opened recently that I hadn't opened myself. The bank " XXXX '' is based out of XXXX and wont accept my phone calls to get the account removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this letter as well as copies of the XXXX written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 
Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the accounts in the letters attached to this complaint be deleted immediately, along with all hard inquiries, and adjustments to late payments be made in accordance with the instructions in the letter. 

XXXX XXXX SSN : XXXX DOB : XX/XX/86

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 2023-05-16
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir of Madam, On XX/XX/2023, we paid off our mortgage from Truist Bank, Loan Number XXXX. On XX/XX/2023, I called Truist bank, spoke with a XXXX to pay off any balance amount for getting a lien release. She told to download the payoff statement that showed a 'Total amount due to pay loan in full : {$200.00} ' with an interest of XXXX cents ( {$0.00} ) per day. Instead of taking the payment over the telephone, XXXX insisted on wiring the funds to them or pay by non-existing escrow account. According to the payoff letter/statement, there was an option to pay by mail. 

On XX/XX/2023, I mailed a check for {$200.00} along with payoff statement with 6 days of interest ( XXXX cents ) to allow for the mail delivery. On XX/XX/2023, I called Truist XXXX  and spoke with a XXXX who acknowledged receiving the check, but said that it was returned to me as they received it late ( Check was stamped on XX/XX/2023, after about 7 days ). He said that the payoff amount increased to {$740.00} without explaining how {$200.00} jumped to {$740.00} even though check was mailed on XX/XX/2023, with additional interest payment for 6 days till XX/XX/2023. When I explained to XXXX that I had no control on mail delivery and paid additional interest to cover the days, he did not have any answer and insisted on payment of {$740.00} and told to file a complaint ( XXXX XXXX. XXXX ). Reluctantly, I paid {$740.00} over the telephone, expecting that Truist would resolve the issue and refund us the extra payment of {$530.00}. 

Unfortunately, we did not receive any refund nor response nor follow-up as promised by a supervisor XXXX who XXXX had discussed with previously. 

On XX/XX/2023, I wrote a letter to Truist Bank regarding this error. Today, I received a letter from them stating that because the payoff was received on XX/XX/2023, the amount was changed to {$740.00}. There was no explanation regarding how XXXX cents per day interest would generate the difference of {$530.00} in one day. As you can see, we paid for additional 6 days of interest. 

We have reasons to believe that Truist Bank has overcharged us to enrich themselves and defrauded innocent consumers like us. 

Please take necessary steps to refund our money. 

Thanking you, Yours Sincerely, 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 monetary relief
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Approximately a few days ago, I filed a dispute with Transunion due to the incorrect reporting or lack of reporting with the inaccurate balance of {$350.00} from XXXX on my report. I have completing paid this balance down to only a {$4.00} balance, thus I filed a dispute so Transunion can look into this problem and XXXX had actually updated my balance correctly and my credit score went up 17 points. However, I checked my Transunion credit report and discovered that they are reporting again that I am over the limit with a balance of {$350.00} with my XXXX account. This is fraudulent reporting either on part of XXXX or Transunion. I have only a balance of {$4.00} and have maintained this balance since paying down my balance from {$350.00}. XXXX or Transunion are reporting inaccurate information to the credit bureau, Transunion. Transunion and credit reporting are responsible for reporting accurate information and neither of them are reporting accurate information. I have pictures of where it is showing that my Transunion score went down 17 points due to inaccurate reporting by Transunion and/or XXXX. I have attached my current balance of my XXXX account. 

I called someone named XXXX with an ID of XXXX at Transunion and told him of the above issue and he told me I have a split file with Transunion and this is not a problem that I can fix and that transunion needs to fix it. I think this error on transunion 's end is causing my credit score to bounce up and down and report inacurracies on my credit report. This needs to be fixed immediately. 

Also, I am unable to logon to my Transunion account for this 'split issue ' error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-08-13
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 Account Name : XXXX Account Number : 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 2022-10-06
Company: Experian Information Solutions Inc.
State: LA
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 ridiculous! Despite the countless dispute letters and CFPB complaint I have been submitting to the XXXX XXXX XXXX requesting that the immediate removal of the disputed fraudulent accounts and information from my Credit file, the Credit Bureaus have done nothing! I started disputing my Credit File for quite a long time now however the Credit Bureaus have failed to comply with my requests and the Federal regulation to remove the disputed accounts but also have failed to respond to my dispute letters. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information from my Credit File that resulted due to identity theft. The Credit Bureaus have failed to verify for themselves and have claimed that the disputed accounts are verified and accurate, however, their failure to send me copies of proof of verification or any documents bearing my signature yet still continued their reporting of the disputed accounts, is a clear violation of a consumer 's rights under the Fair Credit reporting Act. Once again, I am requesting that the Credit Bureaus remove the disputed accounts completely from my Credit File before my legal aide force me to conduct legal actions : XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$7500.00} Date Opened : XX/XX/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 2023-05-17
Company: CONTRACT CALLERS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Account is not mine & was opened Fraudulently & I have yet To see a bill with my name On it, nor was I made aware From the utility company. I never signed up & Gave anyone authorization to put a bill under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Payward Ventures Inc. dba Kraken
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX Idaho XXXX. In XXXX of XXXX, I met a person on XXXX dating, named " XXXX ''. She asked if we could use an app called XXXX and we started Communicating there. She was talking normally for a few daysand then started talking about crypto investing. I wanted to delete her after that but I ignored the red flag and played along. She was working on me and trying to get me into crypto trading in higher amounts for greater returns. I was still very skeptical but knew the platforms were safe and secure as long as I didn't give her my account log in information nor my send or receive codes, which I never did. She eventually talked me into wiring an initial transfer of money to XXXX, which is a secure crypto currency exchange. I knew this and was not worried about transferring my money there. The initial wire transfer was ( XXXX $ ) on XXXX of XXXX, XXXX. She increased the money that I put in there by {$700.00} in only 30 minutes or so of trading and allayed my concerns of being scammed as I had control of this money when it was in my coinbase account and my coinbase wallet. At the end of the trading day, she guided me through depositing the money into a XXXX  IRA account she led me through the creation of. ( It wasn't known at this time but that IRA platform was fraudulent. ) There were two deposits I made by wire into my coinbase account and those dates were First date of Transaction XX/XX/2022 and Last date of Transaction XX/XX/2022. The total amount of money deposited was $ XXXXShe then started asking for more and more money to invest in Crypto, and she had already proven herself on smaller amounts ( or so I thought ). I also believed the IRA account was legitimate still so I transferred a total of {$27000.00}. In order to trade it she convinced me that I should end and initiate trading from my fraudulent XXXX IRA account. After my final deposit I realized that I had been scammed as I tried to reach customer service from the XXXX IRA website and never received a reply. The evidence attached is from my detectives who have traced the funds and helped me file claims to recover the funds from the 4 different exchanges that ended up receiving the transfers from her account ( see attached Investigation Graph Image ). I will also provide this information on a thumbdrive, per our conversation, and drop it off with the local FBI office for your use in this case when you request it. Thank you, 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 2023-09-18
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, XXXX has sent {$59.00} to a collection agency for services that never occurred. 

In XX/XX/2022 I paid XXXX XXXX {$51.00} to send a Priority Overnight envelope approx. XXXX miles. My envelope was lost/missed and never left the local XXXX location. It sat for multiple days. I finally drove over to the local XXXX and retrieved my package. I then made the drive to deliver the package myself. 

I made multiple requests to XXXX for a refund in the amount of {$51.00} due to not receiving the service that was paid for and taking the package myself. All requests were denied. I then submitted details and supporting documentation to my bank. After a thorough and months-long investigation, my bank ruled in my favor and reversed this charge. XXXX has now sent {$59.00} to a collection agency for services that never occurred. Can you please assist? Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Cash Express, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Thursday, XX/XX/XXXX Just this past week, Cash Express took money directly from my bank account without my knowledge for a payday loan that I had taken out back in XX/XX/XXXX. This loan was discharged in  my bankruptcy back in XX/XX/XXXX. I was also told that my {$500.00} loan that I took out was Now over {$900.00} since it occurs more interest every single day. I am going to my bank to do a stop payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: CA
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 applied for credit for my business, but it's showing on my personal credit report and Equifax refuse to remove this inquiry. I have sent 3 different letters to them certified mail in regard to this matter and received the same response each time. I Even called after each response I got back via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2019-11-11
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I first received a call from IQ Data International around XX/XX/2019, wherein we initiated the typical debt collection process. I requested that they verify the debt with XXXX  XXXX  ( the apartment complex to which they claim I owe money ). 

I requested that they not call me during work hours due to my employer not allowing me to take calls, and they agreed. I also requested all contact with me to be done via certified mail and they agreed. 

Fast forward to XX/XX/2019 and I receive a call at XXXX XXXX  EST during work hours. I told the phone operator that they had agreed not to call me during work hours but he became immediately confrontational. I said " Please do not call me at work again, have a nice day '' and hung up the phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation