BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Disputed on XXXXsubmitted payment information ( paid settlement ) {$390.00}. 
Paid XX/XX/2023 account number XXXX with collection agencyXXXX The disputed finding remain on my credit report and XXXX will not removed After submitting proof of paymentinaccurate information remains on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
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:
On XXXX XXXX I sent a balance of {$400.00} to XXXX XXXX through money gram to be deposited to his bank. Unfortunately, we were not aware that his account had been deactivated therefore the money could not be cashed. His bank is XXXX XXXX in XXXX XXXX with old account number XXXX. Receiver went to the bank and first was told it was already cashed by a teller but couldn't have been because he never went, he went back multiple times and they then told him the money was nowhere to be found and that they needed to contact money gram. I called moneygram multiple times and they told me to deal with the bank because the bank had told them that the money was sent to the reciepnt. The recipient has proof that the money had not been deposited to neither his old nor new account as we asked for proof. No one is able to help me as they tell me to contact each one of them and neither companies has a response. 

Money gram reference code XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of the XXXX security breach, I checked my credit and I have five open accounts in the negative that are not mine. The only thing on my credit should be two XXXX loans. I have attempted numerous times to clear this up and nothing. I am part of the class action law suit against XXXX can you please tell me how to take care of this I have contacted all three credit agencies. I have gave them the accounts but I haven't heard back from them

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 2020-08-04
Company: STERLING JEWELERS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My identity has been stolen someone used my credit to open an account with Sterling jewelers in New Jersey ... .I have not left the state since the pandemic so its impossible for this to be me

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 2021-05-13
Company: United Shore Financial Services, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a complaint with a deed in lieu and/or foreclosure since my last payment in XX/XX/XXXX. For some unknown reason my mortgage company rejected my request on XX/XX/XXXX and they have not processed a foreclosure. They have continued to use my escrow account to pay for taxes, home insurance and even paid for some lender fees? I have no intention of keeping the property to which they have been aware of. On XX/XX/XXXX they have requested documents I had already provided to them for the rejected Deed in Lieu weeks prior to their latest delay. There is a note on my account stating my account is not eligible to make payments and to call XXXX for assistance. My loan number is XXXX for property XXXX XXXX XXXX XXXX XXXX, TN XXXX. I have continued XXXX XXXX and XXXX and their lack of action is continuing to be a problem for my XXXX health. I am trying to process the irresponsibility of the real estate professionals who chose to rip me off. I am XXXX XXXX XXXX and would like to move out of my sons home and put this behind me. 

They continue to show my loan as unpaid on my credit report and this has caused me financial problems. I have been in contact several times in the last year with my Mortgage Lender, United Wholesale Mortgage aka XXXX XXXX XXXX XXXX Mortgage, regarding a home loan I have in XXXX, TN. They have changed my loan specialist for my account almost monthly and have not spoken to my latest specialist as she wont return my call. I had to vacate the property in XX/XX/XXXX due to lack of hot water for several weeks which started a month after I moved in. I purchased a home in XX/XX/XXXX with a full warranty supposedly to be provided by the seller, however the warranty was XXXX ordered and paid for by my Realtor for {$480.00} XXXX. The home warranty company has not repaired or replaced the defective water heater even after several service call requests. XXXX XXXX XXXX breached the contract and I did some checking into the realtors and discovered the sale was based on questionable actions and undisclosed information. 

I had reported the problems to my mortgage company United Wholesale Mortgage XXXX When I first approached the mortgage company with the issues they thought I was trying to do a deed in lieu, I stressed there was some fraudulent actions by the people involved in the home I purchased. I received no help from my mortgage company and to this day I have received no help. They have used ALL my Escrow funds to pay bills for that home that should have been foreclosed on months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: NJ
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:
There are still errors on my report and they have not fixed the problem. XXXX is reporting different information on the 3 credit bureau. Please see attached. Close date, last activity date are all incorrect. It is also showing as a charge off on my XXXX. Please fix the problem. 

XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX i sent trasnunion a dispute in regards to some accounts that i felt were not mine. Till this day they have not processed my request that was mailed to them certified mail.

Company response to consumer: In progress
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX 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 2022-03-31
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX - financed an XXXX XXXX from XXXX under account XXXX. Watch value {$320.00}, down payment {$140.00}, remaining financed under 24 month term. We understood that as long as theres a current account with XXXX XXXX, the monthly financed amount will be offset by monthly equipment credit. Effectively, the remaining of the financed amount is supposed to be free as long as we have a current account with XXXX XXXX. 

XX/XX/XXXX - account set up with XXXX XXXX on the purchased equipment + XXXX phone lines port over from XXXX. We brought the invoice from the equipment purchase from XXXX XXXX and acknowledged life got in the way of setting up service on the watch right away. Despite that, XXXX XXXX erroneously set up a separate account for the service XXXX, thus decoupled the service from the equipment. This account was set up on autopay. Due to the decoupling, XXXX XXXX system assumed that theres no service set up on the financed equipment, and threw the account in default. 

XX/XX/XXXX- we were notified that the account XXXX ( account that the equipment was purchased ) was in default and sent to collection agency. We reached out to XXXX XXXX and was told that it was fixed and customer rep acknowledged that it was all a mistake. 

XX/XX/XXXX- we were notified that account was still in default and collection agency started calling everyday. XXXX XXXX said theres nothing that they can do since its been sent to collection agency ( legally I still only owe XXXX XXXX, not Collection Agency ) and accumulated even more late fees. 

XXXX XXXX inability to fix billing issues and account set up with us is the root cause of this illegitimate collection amount. They have shirked every responsibility and my attempted to resolve with them directly. I have spoken numerous times with their customer reps and they all verbally acknowledged their errors. Yet when I disputed the debt with the collection agency, I dont believe the relevant facts were provided and the collection agency was still actively pursuing this illegitimate amounts of debt. 

Attached are the original financing agreement, first bill with service in XX/XX/XXXX, account statement on the equipment account showing the equipment credit ( this is proof of how the financed amount was supposed to be free ), and latest account statement with service that shows the account is in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I discovered these fraudulent inquiries that I did not make on my XXXX, equifax, and XXXX credit reports including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
XXXX XXXX XXXX - XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX XXXX XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-06
Company: Experian Information Solutions Inc.
State: MS
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 appreciate your assistance in REMOVING a piece of the data in my credit file that resulted from FRAUD, however, I have an item passed on that should be removed or banned. According to FCRA section 605, credit bureaus are required to delete any records found on an ID THEFT REPORT. I proactively remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX ; XXXX 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 explanation
Consumer complaint received 2023-02-23
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Around XXXX XXXX, I was booking a flight with XXXX XXXX when a Promotional Add come up on screen stating I can Open a New XXXX XXXX  Credit card to save {$30.00} each way on Baggage Fees and I will receive a {$200.00} credit after my First Airline Purchase. 
That was it - No more details as I promptly applied on the American Express Website since I was already an XXXX customer using their Blue Cash Rewards Card. Instantly Approved and then I made my XXXX XXXX purchase used on XX/XX/XXXX- XX/XX/XXXX. 
I received the {$30.00} each way credit for baggage but I needed to contact AMEX to dispute the charge - This was Quickly Resolved on both instances. 
As I was talking to the Customer Service Representative around XX/XX/XXXX, nothing was ever stated about NOT receiving the {$200.00} promotional Credit. It was even confirmed during that XX/XX/XXXX phone call AFTER the first billing cycle, I would receive the Credit. 
In XX/XX/XXXX, I raised the concern again with AMEX, only to be told I was given a Promitional Credit for ANOTHER Credit card that I had opened several years ago and they do not issue multiple rewards.. IF This warning or disclaimer was on the Site when I opened the DELTA card, I would have Never used AMEX to purchase my Airline ticket nor would I have opened up the credit card. 
I Cancelled all of my Credit cards with amex as I was a customer since XXXX - If they dont care about customers, there are plenty of other Credit offerings out there that do!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am writing to file a formal complaint against XXXX XXXX regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and therefore income under IRS Publication 4681. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. 

The charge-off, considered as income per IRS Publication 4681, should not be included in consumer reports, as explicitly mandated by federal regulations. However, XXXX XXXX has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. 

Despite my attempts to rectify this issue directly with XXXX XXXX by disputing the inaccurate information on my consumer report, the erroneous reporting persists. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. 

Furthermore, XXXX XXXX 's actions violate several federal statutes, including : 1. Violation of FCRA Sections 1681 ( a ) and 1681 ( b ) : XXXX XXXX 's illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. 

2. Violation of FCRA Section 6802 : XXXX XXXX reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. 

This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX XXXX for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. 

Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. 

Thank you for your attention to this matter. I eagerly await your prompt response and resolution.

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 2021-08-02
Company: EQUIFAX, INC.
State: NY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation