BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: Alorica Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XXXX sold my loan and I was told my loan agreement hadn't changed. In my agreement payments made before the due date were principal only and if you were ahead on payments it would be towards principal. I have made a payment to the new company who said my terms hadn't changed my payment was earlier then the due date and I was ahead on payments yet all my payment went towards interest. I reached out to the company my loan was sold to and I have not gotten any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX erroneously reporting available credit as recurring balance to credit agencies ( XXXX, Equifax, XXXX ) which has decreased my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit report is reporting data that is incorrect. XXXX XXXX is reporting an account that was not opened or used by me. 

Hard inquires needing to be removed, credit was not extended

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: CO
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 confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent money to a seller for a wallet XXXX $ on XX/XX/2019. I was scammed no further connection with the seller, requested my money back from seller it was declined and never heard from since. I sent it through XXXX which I use through Wells Fargo. I contacted Wells fargo on XX/XX/2019 they gave me the run around and told me it is XXXX problem. I than contacted XXXX on XX/XX/2019 and they cancelled the sellers account but can not refund me my money due to it's the banks job as they just process the transaction and do not take it from are bank accounts.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent charges were made on XXXX XXXX and is reported on 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 non-monetary relief
Consumer complaint received 2021-05-14
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ok on XXXX I received my taxes on PayPal then I sent XXXX To my wife 's PayPal account then the same day I withdrew XXXX  XXXX .Then I recieved a email saying that I had to verify my information and I sent my driver 's license to them complied with all their requests. So the tell me I can get my funds in XXXX XXXX So that sunday they sent me a email stating that I can no longer use pay pal and I have to wait 180 days to get my money. I used the XXXX XXXX to buy my wife a car I've never committed any type of fraud or suspicious behavior. This was me and my family 's stimulus money from the government and they have really put me and my family in a hard place. I've called them and sent appeal letter I really need your help theres no way by law they can hold our money that long. We had not got any money for stimulus during this whole pandemic till XXXX. Please resolve this for us.Thanks.XXXX this is my reference #

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: GA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 fraudulent accounts reporting on my consumer report. I have sent a notorized FTC report and valid driver 's license to XXXX, XXXX, and Transunion.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is my multiple request ... The inquiries were not authorized and reported in my XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized and reported in my TransUnion XXXX. XXXX XXXX Date of inquiry : 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 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payments on XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-07-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have submitted this letter to all the credit agencies, XXXX, XXXX  and Experian and it still has not been removed. They lied they did not validate they went and put the information on themselves. The courts clearly stated the clerk 's office does not provide information to credit reporting agencies. Credit reporting agencies access the court data by visiting the office and reviewing records or by logging into United States Courts Public Access to Court Records ( PACER ) system with an approved login and password. They also stated bankruptcy case information is publicly available for any interested party to review. 

I have provided the letter in the attachment.

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: GA
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:
I sent letter via XXXX on XX/XX/XXXX and on XX/XX/XXXX Certified requesting the following accounts be verified and I be provided with method of verification. I have NOT received method of verification and received correspondence that information was verified and valid. I have attached copies of all 3 bureaus showing different information therefore information could not have been verified as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXXXXXX 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 2022-12-11
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
During the pandemic I stayed at XXXX XXXX XXXX XXXXXXXX XXXX XXXX for several months using state assistance to pay for the months I stayed while isolating, I lost my job as an XXXX XXXX XXXX XXXX. When the assistance was about to be over, I left the apartment in agreement with the administration. They received their payment. And this collection agency is requesting a payment for a non existent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Medical Data Systems, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The above companies are reporting an account which they claim is mine but when asked for verification and validation of debt they did not provided me with validation of debt. A validation letter was sent to them on XX/XX/17 and no answer was received. Instead they renewed the reporting of the debt on my credit report with a recent date. I also sent verification to the credit bureaus XXXX, XXXX  and XXXX on XX/XX/17 but they only verified the account. I seek protection under the fair credit reporting act that this account be immediately removed from my records since the company above is in violation of such act. They also did not reply to my validation letter ignoring several attempts by me for them to send documents with signatures and proof of debt. 

Please investigate this account and have this company immediately remove their reporting immediately from my records. 

Thanks, 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 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have submitted this letter to all the credit agencies, XXXX, Transunion and XXXX and it still has not been removed. They lied they did not validate they went and put the information on themselves. The courts clearly stated the clerk 's office does not provide information to credit reporting agencies. Credit reporting agencies access the court data by visiting the office and reviewing records or by logging into United States Courts Public Access to Court Records ( PACER ) system with an approved login and password. They also stated bankruptcy case information is publicly available for any interested party to review.

I have provided the letter in the attachment.

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 2018-07-26
Company: Experian Information Solutions Inc.
State: GA
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXXXXXX XXXX XXXX  ( XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX : XXXX Experian : XXXX XXXX  : XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX   : XXXX, XXXX XXXX ( XXXX :, XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX ( Experian : XXXX XXXX : XXXX, XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX ( XXXX : XXXX, XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX : 6X ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 convergent 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 States a Consumer Reporting Agency Can not Furnish an Account Without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
Company: On-Site Manager, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
credit inquiry, unauthorized on showing on credit report XX/XX/2018, called and sent in a certified letter to ask for verifiable authorization for running my credit report. I did not authorize any type of company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX  I wrote a check for XXXX for my car loan.    The monthly  payment is $XXXX.   I wrote on the check to apply $XXXX to principal.   (I have sent in checks before to add extra to principal and have not had any problems).   On XX/XX/XXXX  The check was cashed for $XXXX.On XX/XX/XXXX   I was at the bank checking about other transactions and realized there was more in my account than I thought should be there.   Later that night something woke me and I started thinking about my statement.    I was looking it over and discovered the above mentioned error.      I called the automated loan number to verify the transaction and if it had been corrected.  It had not.    I also contacted my bank that night and let them know about the error.On XX/XX/XXXX   I called the bank that I have the loan with regarding the mistake.    The person I talked with told me to fax a copy of the check to that bank.     I called the personal banker that I usually do business with at my bank  and told her what was going on.   She faxed the copy of the check over to the other bank.Since then I have been checking my loan balance everyday.  The only change is interest accruing (More than half shouldn't be).On XX/XX/XXXX   I called the bank again to see what the status was on fixing their error.   They told me it would take 5-7 business days. I was still concerned about this so I made the first available appointment for XX/XX/XXXX.   On the night of XX/XX/XXXX, I checked my balance at my bank and $XXXX was taken out of my account on XX/XX/XXXX.    I checked my loan balance and it had not been applied to the loan.XX/XX/XXXX  With the assistance of the personal banker that I usually helps me,  I contacted the bank with the loan again and spoke with a customer representative. I was told that it was being processed.    My banker and I were not comfortable with the situation;   why was the money withdrawn from my account on XX/XX/XXXX and still not applied to loan as of today XX/XX/XXXX.    My banker then called another department within my bank and found out that the $XXXX was transferred to the other bank for the loan based on my phone call on XX/XX/XXXX as I said it before it still hasn't been applied yet.I was also wondering how they could cash a check that I mailed out on XX/XX/XXXX  by XX/XX/XXXX and it's taking them so long to correct this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX 2017, I have signed up for a American Express XXXX cards with the promotion to award XXXX XXXX XXXX reward points after I reach the spending limit of {$3000.00} which I did. I have confirmed multiple times with American Express customer representatives regarding this welcome reward point during and after my application. All those American Express customer representatives have promised and confirmed with me on the recorded line that I should be awarded with those XXXX points after I reached the spending limits which I did. With such promise and conditions, I was convinced and applied for this card with {$95.00} annual fee. Unfortunately, most recently they told me that there was a fine print terms in the application contract that those reward points will not be given to me since I had the similar card before. First, I do n't remember I had similar card before. Second, I did not remember I saw such fine print terms in my application form. Therefore, I believe this is a very unethical and wrong business practice conducted by American Express. I am urging American Express honor that they have promised to customers and correct their wrong doing.

Company response to consumer: Closed with explanation