BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$48.00}.

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 2019-05-01
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a Certified letter to : ALLIED COLLECTION SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Tracking # : XXXX Your item was delivered to the front desk, reception area, or mail room at XXXX XXXX on XX/XX/2019 in XXXX XXXX, NV XXXX. 

This company claims I owe them but they have not provided proof of this to me and have not responded to my letter in the 30 day period they are required to do so. They keep increasing the amount they are trying to collect every month

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 2022-10-18
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
- On XX/XX/2022 : I initiated a transfer of {$600.00} from U.S to XXXX for my mom using MoneyGram service. 
- On XX/XX/2022 : My Mom went to her bank to check for the money using the reference number given by MoneyGram but the transaction was not successful. 
- MoneyGram wrongfully updated the status of the transfer as deposited on my mobile app despite the problem. 
- I called their customer service to report the problem. They assured me that they would contact my mother 's bank to investigate the case. Received case number XXXX. 
- On XX/XX/2022. I received their resolution email, which said that there was a delay and they wanted to give me back the transfer fee for the transaction. 
- On XX/XX/2022. My mom went to the bank to check for the money again. It was still unsuccessful. I contacted MoneyGram customer service again and all they did was give me a new case number XXXX. 
- On XX/XX/2022, I got an email from their XXXX XXXX XXXX. He offered no help but just simply said that I had been given the resolution to the issue. He was referring to case XXXX which solved nothing. 
- Not only that, but my mom also went to the headquarter of her bank in my city to ask about the status transfer. We learned that MoneyGram made a mistake, the bank representative told us that the information about the receiver 's country was wrongfully set, thus stopping the transaction from being deposited correctly. 
- I filed another complaint and let them know about the issue on a new case number : XXXX. I also called their customer service and got told that they will try to resolve the issue in 15 days. 
- Today is XX/XX/XXXX and yet there was no answer from MoneyGram. I had to call their customer service just to get told that they will carry out an investigation and tell me to wait another 90 days. 
- Just to note that from XX/XX/XXXX on, I have restlessly tried to contact them multiple times but they keep putting me on a 90-day wait time for a new investigation. The very same kind of investigation that resulted in nothing and I doubted they did talk to my mom 's bank because if they did they would have figured out a long time ago what the problem was. 
- It's been nearly two months and my money is still up in the air. MoneyGram can't just keep customers ' money hostage like this because money affects people 's lives. My mom is desperately in need of that money but she had no other choice but to lend money from a third party that costs her a hefty interest payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Examine the enclosed documents. I urge the bureau to initiate an investigation into the accounts incorrectly reporting me as late, despite my punctual payments.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX : {$0.00}

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 2023-07-19
Company: Experian Information Solutions 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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$220.00} 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 explanation
Consumer complaint received 2017-11-06
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a verification of debt to the company in XXXX XXXX and the company never verified it and has been attempting to still collect the debt and is incorrectly reporting it to the all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2023, I requested a copy of my XXXX report to see if XXXX was reporting any Bankruptcies on my public records and from that report that was sent to me Dated XX/XX/2023, XXXX was not reporting any Bankruptcies on my credit file. 

This information was Disputed with TransUnion XXXX and XXXX and the source that each credit bureau uses is XXXX and the results came back verified as accurate. 

If I have attached a copy of the letters directly from the courts whose stating that they dont report the information to credit bureau XXXX and the source each credit bureau XXXX which is XXXX and they are not reporting this information to the credit bureau XXXX then how are they verifying that the information is accurate? 

Each credit bureau has lied about placing the bankruptcies back into a reinvestigation as this has not been done accurately.

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 2023-11-30
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 non-monetary relief
Consumer complaint received 2021-03-02
Company: Mortgage Research Center, LLC
State: MO
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:
On XX/XX/2021 -- I received an email from XXXX XXXX stating a " hard '' inquiry had been made on my credit file by Veteran Uni. I went to XXXX XXXX 's website and saw the inquiry and contacted Veterans United Home Loans. Spoke to XXXX at Veterans United he said they received an inquiry from XXXX or XXXX. I explained I live in a retirement community and I was not looking for a home or a loan of any kind. He was unable to provide an IP address where this originated and only could tell me it was done at XXXX XXXX. on XX/XX/2021. I also received an email stating my " account '' had been successfully created on Veterans United Home Loans website and I could access it anytime. I did not set up that account either. I then spoke to a manager at Veterans United Home Loans named XXXX XXXX and he provided the same information that XXXX provided except he suggested I file a police report, file a complaint on identity theft.gov and freeze my credit bureau reports in the event someone is trying to take my identity. 

Mr. XXXX also stated he would email me all of the information he can to ensure I can take the necessary steps to get this corrected. Their phone number is 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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2021-12-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I currently have a modification that I've had for a long time.It went up XX/XX/XXXX to $ XXXXThe reason I had a modification in the 1st place was because of the financial hardships I been dealing with since retiring and also having to file bankruptcy I had a major life depending surgery, I had filed bankruptcy in XXXX and it helped but when XX/XX/XXXX arrived and chase gave me a new mortgage of {$880.00} previous mod was {$810.00}. I perceived that along with homeowners dues, hoa insurance, utilities, household bills etc and a XXXX XXXX XXXX car im trying to maintain, expensive medications etc., I felt that if I should get another modification it would help instead of extensions all the time borrowing to pay this bill and that bill. However I called Chase Friday XX/XX/XXXX. and was told by a XXXX XXXX in the relationship department that I didnt qualify for a modification which I wasnt notified about that.So I was given a repayment plan which is for people who havent paid they are late.I never been late on my modification and the repayment plan payment is higher than my current modification.I received paperwork pg.3 of 7 1st paragraph states the repayment plan is a program that allows you to pay back the unpaid amount which I never been late.The amount is {$950.00} more than the {$820.00} my current modification it is scheduled for me to pay XXXX.I dont understand how they came to this conclusion and why would I pay more than what im paying for my current modification.It makes me wonder if they are correct in raising the current modification to the {$880.00} XX/XX/XXXX which I payed XXXX XXXXHow did they come to this conclusion it doesnt make since and no one even spoke to me about it.Why would I want something higher than what I already have.Chase said they would call me today, so far no call.This repayment plan I need an explanation how this makes sense and if they could make a mistake like this.I was told I would pay the {$950.00} a year then go back to my current mortgage of XXXX XXXX.I want them to remove this repayment plan from my account and make it make sense why I dont qualify for another modification.This is a terrible mistake im not happy and will also report this to XXXX XXXX XXXXXXXX XXXX.One of the workers via the telephone said to me excitedly congratulations you been approved, I said what is the new amount she said {$950.00}, its just not acceptable and so far No one from chase has called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NC
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 hope this letter finds you well. I am writing to address a matter of concern regarding my credit card account with your company. I have been a loyal customer, and I have always strived to maintain a good credit history with your institution. Recently, I observed that there have been late payments reported on my credit card account. After reviewing my records and statement, I believe there might be an error or misunderstanding regarding this late payment. I would like to bring this matter to your attention and kindly request that you investigate and rectify the situation. 
XXXX XXXX XXXX XXXX -This account was NEVER late. The late payments are erroneous. This payment was made on time. I am requesting that the late payment marking be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service. I understand the importance of maintaining a positive credit history, and I am committed to fulfilling my financial responsibilities. However, I firmly believe that there might be mistake in the reporting of these late payments. I have always made timely payments and have never intentionally missed a due date. I value my relationship with XXXX XXXX XXXX and I am confident that we can resolve this matter amicably. I appreciate your prompt attention to this issue and your cooperation in correcting any discrepancies in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Ive constantly contacted the credit bureau 's threw mail, online, and by phone and each time Ive communicated with them that there are several accounts listed on my credit report that are not mine. I believe that these entries are the result of identity theft or fraudulent activity, and I kindly request your immediate attention to rectify this matter in accordance with applicable laws and regulations. I have carefully reviewed my credit report from XXXX dated XX/XX/2023 and identified the following accounts as invalid and or Fraudulent. XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I have never initiated or I have never had any affiliation with these accounts, and it appears on my credit report erroneously. I wish to emphasize that the inclusion of these accounts on my credit report is causing significant harm to my creditworthiness and financial standing. These accounts do not belong to me, and I have never initiated or I have never had any affiliation with these accounts. It seems that the credit bureaus keep disrespecting the laws. I showed them multiple times they are violating the Fair Credit Reporting Act. 

According to 15 USC 1618i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has be notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The bureaus have no respect for the laws.

Someone needs to hold the accountable for this.

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 2021-04-16
Company: Experian Information Solutions Inc.
State: OH
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 have issues with my file there are some addresses on my file that do not belong to me. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I need the following addresses deleted removed : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXXOH, XXXX, XXXX. XXXX XXXX XXXXOH, XXXX, XXXX XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX XXXXXXXX OH,XXXX XXXX XXXX XXXX XXXX OH,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