BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I submitted an online dispute with XXXX  for verification of a debt which they quickly returned with the conclusion that the debt is accurate, on XX/XX/XXXX. The debt in question is from a collection agency named Cavalry representing XXXX XXXX XXXX XXXX/XXXX  ( XXXX ) in the amount of {$450.00}. Therefore, I proceeded to contact Cavalry through written communication requesting a validation of such debt. Cavalry responded by sending a few copies of billing statements showing a balance of {$680.00} BUT  specifically noted at the bottom of the letter that states " any difference between the amount shown enclosed in the verification of debt is due to some CREDITS. '' My letter of validation was very clear and precise to the type of information I was seeking and Cavalry blatantly ignored consumer request numerous times. Cavalry refuse to send consumer original contract, list of all payments made to account INCLUDING CREDITS, copy of license to collect in the state of Texas, and when did XXXX transfer the account for collection. I spoke with a representative at Cavalry after failed written communications late XXXX  or  earlier XXXX, and the rep told consumer that they show a credit of {$200.00} applied back in XXXX but she did not have ANYTHING to send to prove what she is saying and told consumer that their office will contact XXXX for documentation of such credit. It is federal law that collection must provide proof of any amount they are reporting and should have that information available to consumer upon request. How are you reporting a debt that is {$200.00} less than {$680.00} that is printed on a billing statement they are sending to the consumer as their burden of proof? How can XXXX say that reporting of such debt is accurate when Cavalry CAN NOT provide the consumer with adequate documentation? If Cavalry can not provide ALL documentation including documentation regarding a {$200.00} credit that the consumer is not aware about, than ALL REPORTING NEEDS TO CEASE! Please be advise, the last mail consumer received from Cavalry was XX/XX/XXXX and NO documentation regarding CREDITS was enclosed ... .just old billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Today XX/XX/17 at XXXXXXXX XXXX  EST Reference Number : XXXX sent Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Transfer Taxes : XXXX USD Total Cost : XXXX USD to person in XXXX OH. 

XXXX located at XXXX XXXX XXXX XXXX XXXX, OH XXXX was listed on MoneyGram website as accepting MoneyGram transfers until XXXXXXXX XXXX 

Recipient went to XXXX in l as then an hour after sending money. 

XXXX said their MoneyGram hasnt worked in a month so recipient could not get money. XXXX employee said their MoneyGram only works intermittently and that there is some sort of nationwide outage issue and that their MoneyGram hasnt worked in a month and if it does sometimes work but only intermittently and usually doesnt work all day. 

I called the same XXXX XXXX as well and they confirmed the same thing. 

MoneyGram website said MoneyGram was available at that location but that is a lie on Moneygrams part it isnt available there currently. 

Next closest location is 45 minutes away. 

Recipient was stranded with no gas and no way to leave the city without this money. 

I couldnt cancel the transaction on their website so I called into MoneyGram. Employee said they could cancel it but that I would still have to pay the {$38.00} fee. I complained saying that is not fair since the location that said it was available hasnt had their service working in a month. Employee looked and confirmed that there was no other location to XXXX OH. Said that there was no other option other then to fill out a complaint form on their website. I asked to speak with a manager and was transfered to a supervisor. Was told the same thing. Very frustrating that I have to spend all this extra time to try and get my money back when the location the advertise as being available for MoneyGram transfers hasnt been able to do them for a month. Very deceptive business practice. 

I still dont know if they will refund the fee or not

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-18
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an initial communication from AFNI, Inc., by mail on XX/XX/2020, stating they were attempting to collect a debt. I have no written agreement with any company to disclose any information to AFNI, and have no such account with AFNI. 

I received a second communication from Afni by mail on XX/XX/2020, attempting to collect a debt. 

They have provided no verification of this debt. This account is still being reported as a derogatory account on my credit reports by XXXX and XXXX, tarnishing my reputation of creditworthiness. 

I have sent them a certified letter dated XX/XX/2020, asking them to cease all communication and remove this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-07-05
Company: WELLS FARGO & COMPANY
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 paid off my Wells Fargo car loan more than five years ago and the bank continues to report that my last payment was more than 30 days late when it was not. <P/>I have asked all three CRAs to investigate this and they all say that Wells Fargo continues to verify that the loan was paid off more than 30 days late. I have even asked Wells Fargo to verify that it was paid late and the bank continues to claim that it was when I know it was not. <P/>This inaccurate late payment is affecting my credit score. <P/>Can you help me get it off my credit reports? <P/>Thank you.

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 2023-01-07
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian XXXX XXXX are reporting addresses that do not belong to me. I have disputed this incorrect information on multiple occasions and I have not had any success getting this incorrect information removed from my credit report. The following addresses I also disputed with XXXX and they were removed as the properly should have been under my rights through the FCRA. The incorrect addresses are the following : XXXX XXXX XXXX XXXX, XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, Ga XXXX ; XXXX XXXX XXXX XXXX, XXXX, Ga XXXX. These are the incorrect addresses that are being reported by Experian on my credit report. As for XXXX, I disputed the incorrect address and I also sent an image of my utility bill. They added my correct address but did not remove the address I disputed with XXXX. The incorrect address that are being reported is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, Ga XXXX. As I previously stated these addresses were properly removed from my XXXX credit report upon request, however my attempts to dispute them with Experian XXXX XXXX have not been successful. My current and only address should show as the following : XXXX XXXX XXXX, XXXX, Ga XXXX. This is my accurate address and any other addresses should be removed under my rights through the FCRA.

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 2022-09-18
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX XXXX XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US 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 explanation
Consumer complaint received 2018-06-20
Company: SUNTRUST BANKS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Suntrust bank opened 2 credit card accounts in my name without permission. I have filed a complaint and am in the process of closing all accounts. Branch manager ( XXXX XXXX, XXXX, VA ) tried to deny the accounts existed, though online banking showed them as active. Once manager admitted the accounts existed she tried to say they were opened in 2016. The accounts were opened within the last 6 weeks. There is a internal investigation from Suntrust.

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 2023-08-24
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:
I recently sent you a request to reinvestigate the information previously disputed as I noticed many inaccurate items remain.

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 2022-09-18
Company: Experian Information Solutions Inc.
State: DE
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:
Account ( XXXX ) with " XXXX XXXX XXXX '' still showing on credit report. 

Delete IMMEDIATELY. 

Account # : XXXX ( Still showing and needs to be deleted across all 3 Bureaus ). 

All other accounts have been deleted as a result of dispute. This should be the same.

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 2022-09-18
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights. 

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

15 U.S.S 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 explanation
Consumer complaint received 2023-07-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I asked SPS for a loan modification workout because the state of Georgia said they could help me modify my loan with SPS. They refused to respond. They have been reeling XXXX XXXX and other companies to send me threatening letters. SPS has lost all my mortgage paperwork and they continue send me fraudulent statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Capital One failed to validate a debt and sent me threatening letters I am rescinding my credit due to unfair business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to get this derogatory off my credit report for months. I have sent in several disputes, and nothing has been done. I have sent in proof that I myself am submitting the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TransUnion XXXX XXXX Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry on my file unless i have approved it. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiries : XXXX XXXX, XXXX, XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

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 explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Collections account # ( s ) : XXXX, XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States that 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 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated of XXXX  - Account # XXXX But how is this possible if the following information has come back inaccurate : Date Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Rating, Creditor Type, Payment Status and monthly reporting. I have attached evidence showing these fields are all inaccurate and subject to CFPB fines if not deleted immediately. 

This is ground for immediate removal. Also, they also violated my rights under 15 USC 1681 Section 602A which says I have the right to privacy and 1681 Section 602A Section 2 says credit bureaus can not furnish my information without written approval, which they were unable to provide

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