BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
Just like the commercial said I should I got a copy of my credit report and there are things that just arent accurate on it. I am greatly concerned because I am a good paying person and dont want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. Ive never been late on this account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 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 2023-11-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian is reporting these 4 accounts on my report inaccurately. Accounts can not be reported without a status nor without a payment history. I have also provided a copy of my credit report where they are also reporting this misleading information.

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 2023-08-08
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, in XX/XX/2019 i talked to a company about XXXX. 
They told me my payment would be around {$200.00} a month. I never got any final paperwork to sign or how much my loan and payment would be. 
Next thing I know Im getting calls from a bank telling me I owe them {$69000.00} and {$300.00} a month till Im XXXX XXXX XXXX. 
The signature on the contract is not mine. And I never signed a loan agreement from the bank. 
I disputed the loan with the bank. They investigated and said I still owe the money and no fraud was found. 
Please help? 
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 explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: AR
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 recently applied with a lender and they told me my XXXX XXXX was XXXX instead of what shows on my credit report. Which was in itself embarrassing and a hinderance. Upon looking at my XXXX report I noticed that there are several fraudulent inquires and accounts on my credit report. Also it shows accounts that were resolved and removed as still posting deragatory on my account as well.. Experian XXXX and XXXX has a duty to report Accurate information and to investigate and screen information before allowing it to post to my file as well as audit my file to update any necessary information : The following accounts./ inquires are Fraudulent and need to immediately be removed : XXXX : XXXX FRAUD / REMOVE XXXX/ XXXX FRAUD/ REMOVE XXXX XXXX FRAUD / REMOVE XXXX/ XXXX THIS ACCOUNT HAS BEEN UPDATED BY COURTS AND NEEDS TO IMMEDIATELY BE REMOVED!! 
XXXX XXXX XXXX FRAUD / REMOVE XXXX  / XXXX / FRAUD / REMOVE EXPERIAN : XXXX XXXX XXXXXXXX / XXXX FRAUD / REMOVE XXXX XXXX XXXX / FRAUD / REMOVE XXXX XXXX XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX XXXX XXXX  / XXXX FRAUD XXXX REMOVE XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX  / XXXX / PLEASE UPDATE ACCOUNT AND REMOVE FROM MY FILE / REMOVE! 


XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX XXXX FRAUD / REMOVE XXXX XXXX XXXX XX/XX/2021 / REMOVE

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 2022-09-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/2022, Ashley Furniture XXXX SYNCB denied me assistance and explain any options I could use because I was experiencing financial hardship. Ashley Furniture XXXX / SYNCB are refusing to work with me while I'm going through this hardship.

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 2018-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates has 3 accounts listed on my credit report that have not been verified. Also Portfolio Recovery Associates is not licensed in the state in which I reside in which is Michigan. It is illegal for Portfolio Recovery Associates to collect in a state that they are not licensed in. I have attached proof. I would like the 3 accounts with Portfolio Associates to be removed from my XXXX, XXXX and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I sold my husbands vehicle I was given 3 money gram money orders of {$500.00} each I went to Walmart to cash them 2 went through fine the 3rd was declined the clerk told me it might be because of having to many & to try another day. Yesterday went to try to cash it was still declined the clerk told me to use it here put in the reference number and it will tell me why it was declined so I just did it and it didnt really tell me why. I dont understand its a Walmart money order funds have been paid why cant I cash it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX : Sender tried to send me {$500.00} through XXXX XXXX bank using my cell number. Just as they hit send, they noticed that the name that came up was not mine XX/XX/XXXX : Sender filed a dispute with XXXX to retrieve the money. It was deposited in to an account with XXXX that was not mine, but had my cell number registered with the bank and XXXX I have not used XXXX before, but I have since learned that to register XXXX, a person would receive an activation code sent to their cell which they would need to input to their bank to confirm it is their number. I've spent three weeks speaking with XXXX, XXXX and my bank ( XXXX ) to keep asking how someone could have registered my cell number, as it appears that this is a security/fraud issue. 

XXXX has been active for about a year and a half, and I have had the cell number for two and a half years, so this person would never have received an activation number to be able to register the cell number with their bank. 

XXXX has confirmed that the money went in to this person 's account with them. The sender has put in two disputes with XXXX, but they will not do anything to retrieve the funds and send them back. They have said that it is the sender 's fault for not noticing the person 's name when they hit send. However, this would not have happened in the first place had someone else not been able to register my phone number. 

XXXX has told me this is a bank issue. XXXX won't help me as I am not a customer of theirs, and XXXX won't help me with this because they were not involved with the payment. I don't know how to get help with this. To me, the main issue is how this person could ever have registered my number without the activation code. 

Secondly, XXXX asked me if my cell number had received the notification that money was sent to that number. I told them that no, I did not received any notification, which apparently I should have received that as that was the number the money was sent to, even though it was linked to another account. Apparently when money is sent you to, the number receives notification, and a link to accept the money. My number did not receive that, so I can't see how the money was then apparently sent through that number. 

These are the questions that XXXX nor the banks will answer - how did someone register my number without the activation code, and if that is the number the money was sent through then why wasn't notification sent to that number. 

I would really appreciate your help with this. It has been awful trying to get these places to help me, constantly being bounced back and forth, and no-one recognizing that they don't know how someone else registered my number. How many other people could this happen to?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have three collection or bad debts on my credit, XXXX XXXX and 2 from XXXX XXXX. They are from XXXX and too old to be reporting per Ohios statutes for credit reporting. Besides that, XXXX XXXX sold or got rid of one of the accounts per their own website yet they are still reporting it on my credit. If this CFPB complaint is not successful I will seek other avenues to get these items off my report. 
Besides that I filed bankruptcy in XXXX. It is 8 years old. It was removed from all of my husbands credit reports almost 2 years ago but remains on mine. We filed together. Why am I the only one it is still reflecting on? I understand it can remain for 7-10 years but it has been completely removed from his report, yet still reflects on mine 8 years later. That does not seem like equal or fair credit reporting to me. I want my credit report to accurately reflect information and it does not. I have disputed more than once with the credit bureaus and nothing happens.

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 2020-02-09
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: Information belongs to someone else

Complaint:
XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$8800.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX  XXXX XXXX {$820.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX  {$950.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX  {$2000.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX   {$340.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX   XXXX {$940.00}

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 explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
unfortunately I discovered that people can also take over your Experian account even without your login information by simply signing up for a " new account '' using your DOB and SSN as well and then changing the email and login info to whatever email/password they want for themselves. Someone changed my information for Experian to a different email username and password on XXXX and I was not the person listed in the system anymore. They then used this information to open a fradulent card with XXXX. I've reached out to Experian about this. There doesn't currently seem to be a work around to prevent people from doing this. I was able to reassess my account by signing up for a new account with the previously listed email but that is a major security risk. I also updated to two factor authentification as well, but there should not be a way to create a new account with a new email for the same SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. 
Agency : XXXX, XXXX and TransUnion Account Name : XXXX XXXX Account number : XXXX XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights. 
* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 explanation
Consumer complaint received 2022-01-09
Company: ASSOCIATED BANC-CORP
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was being scammed and one of the transactions involved a money wire transfer from my account at XXXX XXXX to an account at XXXX Bank in XXXX Wisc. in the amount of {$23000.00} on XX/XX/2021. XXXX recognized that the recipient account was a fraudulent account and stopped the transaction. Now XXXX is holding the money and has made it literally impossible to get back. XXXX wants a Hold Harmless Letter from XXXX XXXX to retrieve the money but XXXX XXXX doesn't do Hold harmless letters and so XXXX wont deal with them. They won '' t even talk to me because I'm not the recipient account holder. They've admitted that it's my money but they won't give it back. They've made it literally impossible for me to get the money and it will sit there forever because no one can claim it but me. They claim that a Hold Harmless letter is a standard bank to bank process but XXXX XXXX doesn't recognize it. 
The contact info at XXXX is XXXX XXXX XXXX, Financial Crimes Investigator -Financial Intelligence Office XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX The recipient account info is XXXX Bank XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX Account # XXXX Routing # XXXX XXXX XXXX XXXX All they tell me to do is to do whatever XXXX XXXX tells me to do. All XXXX XXXX tells me to do is file a police report which I did. It did absolutely no good. I have documents but I'm having trouble uploading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried mailing and uploading these supporting documents but getting nowhere. Please pass these documents to XXXX, Transunion and 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 2019-04-17
Company: EQUIFAX, INC.
State: CA
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:
two inaccurate and fraud account are reporting under my name in my equifax credit reporting agency, these two account i have never had or applied. these are opened without my knowledge, i never approved.

i will be attached the FTC report and the police report that i had provided to equifax as well but they are not considering helping me at all, they have asked so many questions that it is so hard to go through their system. please help me out here, you are my last hope i do not have money to get a lawyer and followup. i need you r help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 explanation
Consumer complaint received 2023-01-20
Company: Bread Financial Holdings, Inc.
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:
In XX/XX/2022, I purchased clothes for amount {$59.00} from XXXX XXXX in XXXX, MD. by signed up for a new credit card, But I didn't receive the bill and the Credit card until XX/XX/2022, I paid the said amount {$59.00} plus the late fees and interest charged total amount {$93.00}. 
In XXXX and XX/XX/2022 I received other bills for interest charged although I paid the full amount, So I decided to close the said credit card account and spoke with the Supervisor on XX/XX/2022, she promised that she refund late fees because I didn't receive the bill and Credit card until XX/XX/2022. 
Unfortunately, I surprised that they reported late payment for 02 months so that damaged my Credit score at the time of Mortgage applied to buy a home for my family, So kindly I ask you to take further action to repair my credit score,,,!!!!!!! 

Best regards, XXXX XXXX XXXX, XXXX XXXX XXXX Maryland XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: CT
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 Date Closed XX/XX/2019 XXXX XXXX XXXX  Date Closed XX/XX/2019 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/2019 This Information is Incorrect. Please remove it from my credit report XXXX XXXX XXXX XXXXXX/XX/2019 This Information is Incorrect. Please remove it from my credit report Inqyuiries 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 explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: GA
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 LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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