BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-30
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, I attempted to send {$700.00} to XXXX on XX/XX/XXXX and there was a last name error on the transfer. I contacted Western Union and they told me I could not make major adjustments and that I'll have to cancel the transaction, get a refund and resend. I agreed and authorized the customer rep. to cancel the transaction. Immediately after the cancellation, I got an email saying my transaction is cancelled and that I should expect a refund in 7 business days maximum. Western Union also told me to expect an email confirmation that the funds have been sent. I never got the email confirmation. After the 7 business days, I contacted WU, via chat, repeatedly that I still don't have my funds. They told me they sent it and my bank should have it. Not true, as at today, XX/XX/2018, there still can not confirm to me that they have sent the funds or where my funds are. Everybody I contact seem no to have any information. They always promise to escalate but nothing happens. They even told me to send my bank statement to some email, to prove I'm not lying I believe. This is over the pale and I hope you can assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31
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 have been trying to fix an error on my credit report for months by dealing directly with the credit reporting agency. I have a XXXX account that can not be accurate. The account reports that it was opened in XXXX of XXXX  and that it was a paid collection. I had a XXXX at some point in the past that was paid in full. I recall when I was done with their service that they told me they were holding a security deposit and that amount would be used to satisfy my final bill. Basically I owed them nothing and I was paid in full. My account should have never been in any collection. I am not sure if the account reporting is my past account or if I was a victim of ID Theft. I previously completed a FTC ID Theft Affidavit related to this because I am certain that I never had an account that went to collection that I later paid with XXXX. I am concerned that someone else may have opened an account in my name that went to collection since mine never did.

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 2019-01-22
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-12-06
Company: EQUIFAX, 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 Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my XXXX, XXXX or XXXX credit report, and I noticed some late payments posted on my credit report Discover Bank XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance 616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2019-03-15
Company: Experian Information Solutions Inc.
State: MN
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:
There are many mistakes appear in my report without my understanding.

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 2023-08-23
Company: EQUIFAX, 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/22 I received an email from Experian in regards to a dispute I filed. The dispute was for inquiries I didn't authorize. ( Report # XXXX ) I read the report and the items I disputed were DELETED by Experian according to the report. I logged in to my Experian account to confirm that the inquiries had been removed but they were still showing up on my report. I called Experian and reported this problem. I was told it would take a few hours to update. 

On XX/XX/22. I called Experian to to inform them, the items they said were deleted were still showing up on my report. The agent told me I would need to purchase an Experian credit monitoring membership in order for them to update my account.

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2022-09-10
Company: Experian Information Solutions 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:
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 again 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 XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX  XXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}

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 2021-04-14
Company: HYUNDAI CAPITAL AMERICA
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:
It appears that XXXX  and Hyundai Motor Finance have no shame and are clearly illiterate. XXXX  XXXX initial response ( Report number XXXX ) to my prior complaint is filled with inaccuracies and personal information that does not belong to me. Going forward I am not going to do their job for them ; I expect true due diligence from XXXX. 

Even if Hyundai Finance certified the information is correct ( it isn't ), a quick look at the remainder of my file would reveal that it is replete with information about another individual, XXXX XXXX XXXX, in the personal information section. 

This sad pathetic XXXX  XXXX  engaged in by these two companies has to be resolved by them first before I begin to dispute every XXXX item that is incorrect and illegally reveals another 's personal information to me. 

Here 's my suggestion. Figure out what information belongs to XXXX XXXX XXXX and his spouse, separate it from XXXX XXXX XXXX XXXX 's information and then submit that to both parties for verification. You owe us nothing less.

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 2020-02-03
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint supplement a complaint that I filed on XX/XX/2019. XXXX. The bank has only partially corrected the problem. Although they have corrected the billing issue and I am now receiving a bill on time and making payments on time again. They did not bring the account fully current, leaving a it a month in the rear. Despite receiving payments on time every month, they still continue to report the account as delinquent to the credit bureaus. I would like to stress that I never entered into a contractual agreement with this bank. Commenity Bank  purchased this account from another lender with whom I was in good standing and never notified me in writing of a change in terms or that they had purchased the account. I have had several problems with them since this purchase that have resulted in late fees, late interest, and violations of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Lennar Financial Services, LLC
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: Account information incorrect

Complaint:
Hi Im trying to get this late payment that is reporting on my credit from you all off my report I have made the payment Monday XX/XX/2023in the full amount owed That I was unaware of owing When I purchase my home XX/XX/2023 I was under the impression I had to pay Lennar So when I got close to the date to make the payment I reached out to XXXX XXXX My loan officer Because I started to receive emails from XXXX XXXX And was told my loan was sold XXXX and I have emails going back and forth about who I make my first payment to I will attach the email below, can you please take this off my credit it is harming my score tremendously, when I was misinformed information this is my first home purchase

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 2018-06-03
Company: ALLY FINANCIAL INC.
State: IL
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:
On XX/XX/2018, I applied for an auto loan at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. Ally Bank was one of the inquiries and instead of using one or two of the three major credit bureaus, they used a company called XXXX , XXXX. I was unaware of this company and this when I received the letter of rejection, I saw the decision was based on information provided to them by both XXXX  and XXXX. As previously mentioned, I had no idea who/what this company is/does, but score my was almost 200 points lower than it really is. I don't want my information being shared with and by them and would like to prevent this from happening again. 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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

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 2020-02-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX  XXXX ran a credit check on me without authorization and used it to lower my credit limits and further damage my score. I attempted to contact them to let them know that my current score is incorrect due to false reporting done by XXXX XXXX ad that they need to reinstate my credit limit as they breached my contract and are basing their decision on fraud committed by XXXX XXXX and they refuse to help me. They also refuse to acknowledge the request that I made by copy and pasting the same message over and over again. I want my credit limit reinstated. They damaged my score further and will not even attempt to look to fix the problem. I am a loyal customer and have always made payments on time. They are punishing me for no reason and I want them fined and they need to fix the problem that they created.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX, XXXX XX/XX/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

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 2019-10-08
Company: N.A.R., Inc.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
XXXX XXXX Sent Debt to Collections of Overdraft Fees. 
Which should of Been Reclined as Payment Plan I was offered. 

I disbuted the Amount oweing I sent in Several bank Statements with this amount is conflicting with the one the Debt shows which is over {$500.00} difference Is sent to Collections again shows on my Credit Report Still getting monthly bank Statements from this Bank Now I have Garnishment of my Payroll and this has Caused me A Historical Catastrophic Financial Response Taking my pay out of 20 % Also XXXX XXXX XXXX XXXX XXXX i had 27 hrs taken off also I am now Facing Debt Home Utilites Vehicles Insurances etc etc Damaging Threatening Occuring The Bank gets there {$1100.00} while I am now facing Repossions More Debt Higher Intrests Credit Damage Behind in Payments for what something that happened of {$190.00} in the Beginning If they had only sent me proper Documents and correspondence I would of Known to Resolve I tried to go in there and Resolve Oh we cant your account is closed but why are you sending me Monthly bank statements..They rather get triple the amount Proven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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