BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I sent a letter to all 3 of the major credit Bureaus via certified mail on XX/XX/2021. I have the receipts still. It is my right to report any inaccurate information on my credit report and in the letter stated I want all my personal information updated so that I can prevent identity theft and prevent any mail being sent to old addresses. They are refusing to delete addresses and update my correct name because they are stating I have 3 accounts open with those addresses when that is not true. 

XX/XX/XXXXreceived my letter on XX/XX/2021 at XXXX XX/XX/XXXXreceived my letter on XX/XX/2021 at XXXX Transunion received my letter on XX/XX/2021 at 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 2021-08-31
Company: EQUIFAX, 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:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 i Certified mailed TransUnion Tracking Number XXXX a letter asking their company to investigate and delete the inaccurate accounts that is reporting on my Consumer Report. By Federal Law According to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( 1 ) ( A ) the consumer reporting agency ( TransUnion ) before the end of the 30 -day period beginning on the date on which the agency receives the notice of the dispute from the consumer after 30 days if the consumer reporting agency can not verify or validate this inaccurate Information the consumer reporting agency must promptly delete the items from the file of the consumer.

Also According to the FAIR CREDIT REPORTING ACT 15 USC 1681b ( 2 ) a consumer reporting agency may not furnish any information on a consumer report with out the written instruction of the consumer ( me ) to whom it relates.

IM DEMAING THE FOLLOWING ACCOUNTS BE DELETED IMMEDIATELIY FOR FAILURE TO COMPLY WITH THE FEDERAL LAW 1 ACCOUT NAXXXX 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 XXXXXXXX I have uploaded all of the proper documentation 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
Consumer complaint received 2023-06-13
Company: MONEY SOURCE, INC., THE
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX  - Spoke to rep and escalated to manager after requesting to pay my mortgage and investigate why my payments have been reversed several times ( 4 times since XX/XX/ ). Both agents including the manager did not know my loan number on file based on my SSN and other details. They said that the loan number on file had been serviced by XXXX ( showing a clear deficiency and data record keeping ). I had to prescribe them my loan number that I had luckily saved and documented from the first statement. Otherwise, my Mortgage would be considered lost by XXXX. 

XX/XX/ - Spoke to rep and asked why have any payments been processed on my mortgage successfully. Statements from XX/XX/ and XX/XX/ have over 6 transactions showing debiting the account and then a reversal of the payment for no reason. Funds were sufficient in the account and XXXX attempts were made according to XXXX for an ACH transaction by XXXX. 

XX/XX/ - Asked agent for help setting up payment with request to pay 2 months in advance. I complied and had 2 months plus, and additional curtailment. XXXX payments applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Incomm Holdings Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a {$500.00} prepaid vanilla Visa gift card on XX/XX/2022 from XXXX. And When I tried to use the card for a purchase in the XXXX XXXX XXXX on XX/XX/2022 for the first time. I was surprised that only XXXX was left on the card balance. I used that amount for my shopping. I checked the activities for the card online. I realized the card information was stolen, and many transactions from XXXX were on the list, and the balance is XXXX now. I called INCOMM payments XXXX immediately, and the customer service person locked the account and opened a dispute for me ( case # XXXX ). I submitted the complete dispute form soon after. On XX/XX/2022, I received an email with the final resolution letter and a replacement card with a balance of XXXX in the mail. I called the customer service line again, and the agent told me that was all the money they could recover. And they can not do anything else for me. I am troubled that I should take the loss simply because the card company did not protect the information and allowed someone else to steal all the money within a few days after the gift card sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
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: Information belongs to someone else

Complaint:
I sent you a letter requesting you to remove inaccurate information from my credit report a few months ago for this public record US BKPT CT FL XXXX XXXX. I find after reviewing my report with your bureau, that the disputed item is still listed. I request that you describe the procedure adopted to verify this claim, along with the names of the businesses, addresses, and phone numbers of those who have been contacted during this process. This is my right under the Fair Credit Reporting Act. It is disappointing to find a credit bureau does not following the proper procedures and does not maintaining the accuracy norms. I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days. In addition, I would like to resubmit my request to have these fraudulent items verified XXXX  XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Proverbs XXXX verse XXXX : hear instruction and be wise and refuse it not. I am making a claim that The CREDIT AGENCIES XXXX AND TRANSUNION broke the law as well as XXXX XXXX! XXXX XXXX stated no credit freeze and personal statements were in place stating to contact the CONSUMER day or night with his direct phone number available before proceeding with any credit transactions due to a XXXX breach of the CONSUMERS NON PUBLIC PERSONAL INFORMATION and being a victim of ID THEFT. When the CREDITOR accepted the offer from XXXX XXXX and authorized and authenticated with his credit information/signature a financial asset to create an account for his PRINCIPLE DEBTOR to obtain credit he was faced with an ADVERSE ACTION, DISCRIMINATION DUE TO THIRD PARTY INFLUENCE AND DEFAMATION OF CHARACTER CLAIMING THE APPLICANT WAS NOT CREDIT WORTHY. My proof of claim for the willful noncompliance and willful negligence of the CREDIT AGENCIES XXXX AND TRANSUNION ALONG WITH XXXX XXXX to break FEDERAL CONSUMER LAW is the credit freeze statement on both TRANSUNION AND XXXX clearly and conspicuously stating to contact consumer before proceeding that XXXX XXXX stated several times no credit freeze was in place at the time of the consumer credit transaction. XXXX charging and seeking COMPENSATION for the violations against the consumer that was set forth by XXXX TRANSUNION AND XXXX XXXX. FEDERAL CONSUMER AND COMMERCIAL LAWS both were broken and unfair and deceptive business practices from THE CREDIT AGENCIES AND 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 2021-03-14
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To date I have not received satisfaction from the complaint I filed about XXXX XXXX XXXX XXXXXXXX, Equifax, and XXXX. Although I have filed disputes with all prior to filing a complaint with the CFPB. I have also filed twice with the CFPB complaint about the situation. The problem is that my mortgage is not being reported by the credit bureaus. XXXX assured me they were reporting to the credit bureaus monthly. XXXX XXXX assures me they are reporting what the credit bureaus report to them. The credit bureaus don't even list my current mortgage! Equifax had it on their report but the amount owed was incorrect and they had not updated the information in over a year. The only result I got from all my disputes and complaints was that Equifax completely dropped my mortgage debt from their report. Even though it was the incorrect information at least it was showing on their report. When they dropped my mortgage from their report my credit score dropped! I have since written letters to all concerned and mailed them return receipt requested registered mail. I asked that the mortgage lender send written notification to the credit bureaus and send me a copy. My next complaint will have a copy of my most recent mortgage statement and hopefully the copy of the letter provided by my lender advising the credit bureaus of my mortgage debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: UT
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've tried to contact Experian by phone but it is next to impossible. They've set their phone tree up so they keep referring to their website. I keep explaining and then they reject the reason and won't let me complain after one time. 

They partner will credit companies and I get barraged by emails, letters, phone calls so Experian can profit from my situation. 

Here are the facts, and what I sent them today. Please help. 

Dear Sir or Madam : I'd like to request a XXXX XXXX adjustment to my XXXX XXXX loan for the following reasons : 1. I took out the loan in XXXX for {$15000.00} while completing a second masters and was told it would be forgiven if I taught in a XXXX school. 

2. After I took out the loan, and completed the teaching years they rejected the forgiveness.

3. I've had deferments and forbearances until XX/XX/XXXX. 

4. I've never made one single payment on the loan.

5. You say that I didn't have a forbearance in XXXX. 

6. I did fill out the applications for that.

7. I am XXXX and have three XXXX that would qualify. 

8. I am XXXX. 

9. I'd like to get a car so I don't have to ride a bike for groceries or the hospital.

10. Please consider this. If this doesn't qualify for the XXXX XXXX then nothing else could possibly qualify. 

11. I will request this every day for the rest of my few years left.

12. I'm not sure about how the loan was transferred or bought out but there must've been a time that I didn't make a payment and the 7 year rule would've applied. I'd like you to research it from XXXX to show me the proof against my dispute. 

Respectfully, 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 explanation
Consumer complaint received 2021-09-18
Company: Early Warning Services, LLC
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Wednesday XX/XX/2021, I clicked the contact us tab on the adopt XXXX XXXX. I received a text message from XXXX introducing themselves as XXXX the XXXX. The next few text messages with XXXX the XXXX he informed me about the puppies that were available for adoption. He sent several e-mails with photos, and video of available dogs and I picked the dog out. 
After I picked out the dog, I sent a zelle payment to XXXX of {$500.00}. 
After sending the money I proposed picking up the dog, vs. shipping the dog. That's when he provided the street address where I can drive to pick up the dog and text me back to tell me the time/date XXXX can pick-up the dog. After talking to family members, I text XXXX back about possibility delivering the dog vs. picking it up as I forgot my brother who was going to drive me tested positive for XXXX and did not receive a negative test results. 
On Friday XX/XX/XXXX, I texted back XXXX advising him to proceed to deliver the dog to my home address which I provided. I sent another Zelle payment of {$700.00} to XXXX. 
On Friday XX/XX/XXXX in the evening, I received ( 2 ) e-mail 's from the same party : Email address : XXXX, E-mail Subject : URGENT!! Health and XXXX XXXX to send {$1500.00} via Zelle Email : XXXX. Then a second e-mail threatening that they would report to the Michigan authorities. I sent a 2nd Zelle payment of {$1000.00} to Email : XXXX because my bank XXXX XXXX  blocked the {$1500.00} transaction but a {$1000.00} managed to get sent. 
On Saturday XX/XX/XXXX, I received several e-mails from XXXX about them suing me if I didn't pay the remainder {$500.00}. I told them I had no more money, they proposed me purchasing a gift card at XXXX, XXXX and sending them the gift cards. I purchased the gift cards through my credit card, and sent pictures of the gift cards to them. 
On Saturday XX/XX/XXXX, I received the flight details on how the dog was being transported, only to receive another e-mail in the evening stating the dog was at XXXX, NC airport in quarantine. 
On Sunday, XX/XX/XXXX more threatening e-mails came through, and proceeded to send additional gift card information. 
On Monday, XX/XX/XXXX, after sending the money another e-mail requesting more money and that's when I called the XXXX XXXX Wisconsin police department to report them in. I've sent XXXX XXXX all the information, websites, e-mails and text messages. I am asking the FTC to work with the XXXX XXXX Police department, and take down the website so no further transactions can be made and other U.S. Citizens fall pray to these thief 's. In the end, I never received the dog, and I'm trying to recover the {$7200.00} that was taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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 Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXXL Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX Finance/Personal ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  I did not authorize any of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Bread Financial Holdings, Inc.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I did not open the account and would like to dispute as fraud. My identify seems to have been stolen and used without my knowledge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-10
Company: CCS Financial Services, Inc.
State: GA
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 a letter dated XX/XX/23 from Credit Collection Services stating that I have a balance of {$5900.00} owed with XXXX XXXX, account XXXX. I have never open an account with XXXX XXXX. I do not know anything about this debt and I request that this be investigated as soon as possible with the resolution sent in writing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: MD
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:
I'm not sure why this matter is being unaddressed. In my last complaint I provided proof that XXXX, Experian, and XXXX, were well beyond their allocated deadlines. I first filed a dispute claim in XX/XX/2022 to no resolve. I provided the email in which the companies told me that the investigation was complete and deemed the information valid. I don't understand why your response to me was " They're still Investigating '' as if they clearly had more time. The time spam from XXXX to XXXX is 12 months last time I checked, not 2. Can you please look further into this matter and provide a non-bias solution? If more documents are needed please let me know. If you're follow up response is that they're still investigating please provide a reason why the time frame to respond is being giving special priviledge in this matter.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX : # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief