BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
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:
This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/2023 I received a digital payment from a friend named XXXX for money that he owes me, and immediately without notice or warning nor information was given to me to resolve my now " frozen '' account, I sent all required documents to venmo and it took over a month to get them to unblcok my account so that I could access my money, now on XX/XX/2023 my friend XXXX again made a payment to me and once again my account was frozen and it was requested that I send in documents again to verify my identity

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-27
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I 'm filing a complaint against Midwest Recovery System about a debt I do not owe neither do I have contract with which is illegal and which the debt they claim I owed to XXXX XXXX XXXX. They are in violation of FCRA and I would love this collections account be deleted from XXXX, XXXX, and XXXX for the amount of {$470.00} thats not mine. I would like to be Compensated for the Embarrassment as well

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct 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 non-monetary relief
Consumer complaint received 2022-10-18
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 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/2020

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 2017-07-27
Company: The Bureaus, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Debt collector contacted some one other then myself and discussed my amount owed and payment plans available

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
TransUnion sent a black and white blurred faded in copy of my credit report which I am unable to read. I am unable to view my credit report online to correct the multiple inaccurate information on my credit report. It has been over 30 days I've been trying to obtain my credit report.

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

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 2018-02-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent {$520.00} to a friend in XXXX via Money gram. I stated I wanted the money sent in US dollars when she asked if I wanted US dollars or Euros. When my friend went to pick up the money it was in Euros and he had the added hassle and expence of having to convert it back to US currency. The receipt was folded up and stapled together with only the recipient 's name and reference number highlighted and visible. When I found out he got the money in Euros rather than US dollars I removed the staple and found that Money Gram gets extra money when it converts my US dollars into foreign currency. Doing so benefits Money Gram financially but is counter to my request for sending US dollars only. I'm sure it is company policy to maximize their profits by ignoring the customer 's request and it was no mistake they sent my money the most profitable way for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
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:
remove fraudulent/ unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2021 off my report with monetary relief for damaging score and violating FCRA or provide proof in writing within 30 days. My driver license number does not end in 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 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have disputed three ( 3 ), fraudulent Tradelines that are reporting on my personal consumer report bearing the name of XXXX XXXX XXXX. The Tradelines are XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, AND XXXX XXXX XXXX XXXX # XXXX. 

I have requested that Transunion provide the legally required proof required to report these fraudulent Tradelines under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
Transunion has not provided any proof and has failed to DELETE the three ( 3 ) fraudulent Tradelines. Therefore, I am demanding that Transunion DELETE the Tradelines due to the fact you have not supplied the demanded proof of the alleged Tradelines, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of these alleged Tradelines, nor therefore any such Tradelines, in fact exists. 

I expect the three above listed Tradelines to be Deleted from my Transunion personal consumer report within 15 days of receipt of this letter, in compliance with the FCRA. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Transunion is in violation of the FCRA and outright refusing to uphold the law. According to the Fair Credit Reporting Act, your company has an obligation regarding the accuracy and integrity of the information you furnish. Continuing to report these three ( 3 ) Tradelines after I have advised you that they are fraudulent constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Wednesday, XX/XX/XXXX, I paid my entire Citi credit card balance of {$7400.00} and planned not to use the card again. On Saturday, XX/XX/XXXX, at XXXX XXXX I received a text alert asking if I attempted to use my Citi card at a XXXX store for {$810.00}. I was working then, so I did not see or reply to the text until the following day, Sunday, XX/XX/XXXX, at XXXX XXXX, stating I did not attempt to make the purchase. Shortly after my response, I received another text asking me to contact the Citi Fraud Department at XXXX. I contacted them and checked my mobile app to review my Citi statement. My statement showed five purchases on Saturday, XX/XX/XXXX, totaling {$4100.00}. Three charges at a XXXX store in XXXX XXXX, NY. One purchase at XXXX XXXXXXXX XXXX in XXXX XXXX, NY, and one purchase at XXXX XXXXXXXX XXXX, in XXXX, NY. The purchases were as follows : XXXX XXXX XX/XX/, {$810.00}, {$1500.00}, and {$1800.00}. XXXX XXXX XXXX XXXX XXXX$5.00} and XXXX XXXX XX/XX/ {$4.00}. 

I talked with the fraud department and disputed the charges. Several weeks later, I received a letter saying the dispute was not honored and I would have to make the payments. I contacted the police to file an official report. I also contacted Citi Cards again to dispute the charges and provide the police report number. Citi opened another investigation and said they would contact me in 1-2 weeks. I contacted the Citi fraud department several times to follow up on the investigation status but was not given any updates. On Friday, XX/XX/XXXX, I reached back out and was told for the second time that they were not removing the purchases, and I was expected to pay for the fraudulent purchases. I requested they open another investigation and asked what additional information I could provide to prove this was fraudulent activity. They told me to write a letter and an investigator would contact me in 1-2 weeks, which they continue to say to me, but I never received a call from anyone. Citi Cards expects me to pay the balance each month while they investigate for the third time.

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 monetary relief
Consumer complaint received 2019-12-24
Company: EQUIFAX, 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:
Ive contacted this company and the credit bureau regarding this account which doesnt belong to me and I asked for verification and they were unable to provide it so they deleted it, I received notification that it was deleted but its still on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX XXXX XXXX : {$270.00}.

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 2021-12-16
Company: EQUIFAX, 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 status incorrect

Complaint:
This is the second time I have filed this complaint. I filed a complaint # XXXX. Nothing came from that complaint. XXXX XXXX responded acknowledging their attorney received my payment and as soon as it was posted they would update my credit report. They advised the process took up to 90 days. My payment was made on XX/XX/2021, which was 157 days ago. XXXX XXXX never reported to the three credit reporting agencies that my payment was made in accordance with the court mediated agreement that was made. I filed a dispute with all three agencies : XXXX, Equifax and XXXX. The results of my disputes were that XXXX XXXX RENEWED the debt on my credit causing my scores to crash up to almost XXXX points causing one of my closed and paid off lines of credit to close. I was denied a new line of credit and denied a home mortgage. I fulfilled the court mediated agreement while XXXX XXXX defaulted on it which has now cause great financial hardship on me. The three credit bureaus were provided all documents from the court, my receipt of payment along with XXXX XXXX written admission of acknowledgement that their attorney was in possession of my payment and neither of the agencies would correct the error, again resulting in great financial hardship on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Acc Name : XXXX XXXX XXXX, Acc Name : XXXX XXXX  XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXX, Acc Name : XXXX XXXX XXXX XXXX XXXX Acc Name : XXXX XXXX Acc Name : XXXX XXXX Acc Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 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 2020-01-25
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I HAVE NEVER HEARD OF OR HAVE BEEN MADE AWARE OF HAVING A DEBT WITH BAY AREA OR XXXX XXXX. I RECEIVED AN ALERT ON MY CREDIT MONITORING SYSTEM AND I WAS ADVISED THE ACCOUNT WAS REMOVED. HOWEVER, THERE WERE 3 ACCOUNTS AND ONLY 2 WERE REMOVED. HOW IS THAT POSSIBLE? THAT ACCOUNT THAT REMAINED WAS THEN UPDATED TO A COLLECTION. WHERE IS THE DOCUMENTATION? WHY WASN'T I NOTIFIED OR GIVEN AN OPPORTUNITY PRIOR TO RESEARCH THIS FALSE CLAIM. 

THE SYSTEM IS FLAWED, IT'S NOT FAIR TO JUST APPEAR ON MY REPORT AND IMPACT MY LIFE AND NOW I HAVE TO FIGHT TO REMOVE IT AS OPPOSED TO CONTACTING ME VERIFYING AND CONFIRMING IT IS MY DEBT PRIOR TO THIS ACTION. 

I MAKE IT MY DUTY TO PAY MY BILLS TO NOT BE IN THIS SITUATION SO IT IS VERY FRUSTRATING TO HAVE TO DEAL WITH THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal 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 non-monetary relief
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: SC
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:
Circa XX/XX/XXXX, I originally wrote to the company Equifax in regards to disputing/verifying several collection accounts that were being reporting in my credit file. Some of the disputing accounts included XXXX XXXX   reference number XXXX and XXXX XXXX XXXX XXXX reference numbers XXXX and XXXX. 

Equifax responded by writing back to me stating that the account belonged to me. I then responding back by writing them back on XX/XX/XXXX to inform Equifax that the accounts had been investigated and deleted/removed on my other credit reports. The investigations from the other credit bureaus resulted in the accounts being removed/deleted. Supporting documents were provided as proof that the accounts had been investigated. After 30 days the accounts were still being reported in my credit file. I then wrote Equifax again on XX/XX/XXXX requesting their method of verification for the said accounts. Please note that Equifax at no point in time ever provided me with any account-level documents to verify disputed accounts. Later Equifax begin reporting another account XXXX XXXX  XXXX reference number XXXX**, be advised that this company XXXX XXXX XXXX never provided me an initial notice of debt. I disputed this account originally circa XX/XX/XXXX ( see. Attachments ). I also requested method of verification from Equifax for this account on XX/XX/XXXX after Equifax claimed the account was verified ( see. Attachments ) but no verification was ever provided to me. 

I then requested that the disputed accounts be deleted from my credit file immediately. It has now been more than 30 days from my last dispute correspondence with Equifax. Please be advised that Equifax has not responded back within the 30 day timeframe and is not in compliance with the FCRA guidelines. Also I request that CFPB step in as a liaison to assist in resolving this matter. 


I request that Equifax comply with the FCRA, by removing this aforementioned inaccurate unverifiable accounts from my report. These accounts are incomplete, inaccurate, and unverifiable. I have given Equifax more than 30 days to produce documentation to verify the account. In that time I provided documents showing that the accounts were investigated and deleted with other bureaus. Please be advised that all supporting documentation will be unloaded to support this complaints. This will include letters to Equifax, and copies of certified USPS receipt,

Company response to consumer: Closed with non-monetary relief