BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 


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 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 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.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 explanation
Consumer complaint received 2019-06-05
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I used my NetSpend prepaid cards in XXXX platform only later to be advised that all bookings were illegal transient use unsafe and other. Requested NetSpend to issue charge back after all the work I did to assist they in filing 2 claims under # XXXX and # XXXX they issued credits but we're not paying all the disputed charges in my claims that I submitted. 
NetSpend closed each account I had .then blocked me access via calling them having hard time to collect the remaining disputed charges, NetSpend sided XXXX validated them, they couldn't each booking was short term illegal contrary to NY multiple dwelling law in fact NetSpend wouldn't send me any rebuttal by XXXX I had to beg them for it yet what they provide was baseless. NetSpend then told me in on my in and won't go after XXXX too resolve it Ms XXXX from NetSpend said that. I went back to them via e-mails and calls telling them it's part if my claims you can't. You also violated my rights under fair credit act. They distressed me so much. 
I had two charges XXXXand XXXXthst are pending they refuse to restore the charge back to me knowing they are illegal and city if XXXX XXXX issued violations illegal transient use, fire hazards ECT.  You can't allow them to go unpunished they said In not entitled to use their services anymore either all cause I file a claim. They are unfair violated my consumer rights under fair credit act ECT. 

XXXX  platform is illegal entity charging excessive fees for unsafe illegal transient use. NY building Dept in fact issued violations for illegal transient use of apt and other fire safety issues ECT. Contrary to law here. 
NetSpend contradicts itself if you restored a charged back on a few you can't ignore the others they are all illegal bookings. NetSpend is involved deceptive practices they try to not send me other fees till I caught them. 

They owe a duty to continue the claims that were unaddressed. 
XXXX can't validate what's illegal it's proof they admit they allow these shirt stays unsafe fire hazards conditions to the public and NetSpend is condoning it.

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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is continuing to report on my credit reports ( Transunion and XXXX ) and changing the amounts back and forth between {$480.00} and {$480.00}. 
XXXX has already deleted/removed this account from my credit file. 
I need Transunion to follow suit. 

XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX {$480.00} Balance Updated 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 non-monetary relief
Consumer complaint received 2019-09-12
Company: Experian Information Solutions Inc.
State: MS
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:
A credit inquiry from XXXX XXXX XXXX. is on my credit report, this should not be there.

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 2023-03-02
Company: Experian Information Solutions 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:
I am a victim of identity theft please remove this fraud inquiry from 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 2022-11-21
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: Information belongs to someone else

Complaint:
XXXX XXXXXXXX XXXX- Opened XX/XX/XXXX Credit limit- {$500.00} Fraudulent account- Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened XX/XX/XXXX Credit Limit- {$3000.00} Fraudulent account- Sent dispute letters And Picture Id and notorized affidavit XXXX XXXX ( collection ) Opened- XX/XX/XXXX Credit limit- {$400.00} Fraudulent Account Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened- XX/XX/XXXX Credit limit- XX/XX/XXXX Fraudulent account Sent dispute letters And Picture Id and notorized affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
XXXX XXXX XXXX- Opened XX/XX/XXXX Credit limit- {$500.00} Fraudulent account- Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened XX/XX/XXXX Credit Limit- {$3000.00} Fraudulent account- Sent dispute letters And Picture Id and notorized affidavit XXXX XXXX ( collection ) Opened- XX/XX/XXXX Credit limit- {$400.00} Fraudulent Account Sent Dispute letters And Picture Id and notorized affidavit XXXX Opened- XX/XX/XXXX Credit limit- XX/XX/XXXX Fraudulent account Sent dispute letters And Picture Id and notorized affidavit

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 2019-06-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
ACE CASH EXPRESS loaned me money on two separate occasions and both went to different debt collectors, one was six years old and one was a year ago. I was contacted and threatened with jail time for felony wire fraud and even told its 90 days jail time if I did not pay that day. The collection agency stated my case was on the docket for XXXX that day and misled me to believe if I didnt pay I would be pursued criminally. Another debt collection company contacted me about my six year old debt threatening me with theft by deception and jail time. Ace cash express is aggressively collecting debt from consumers still even after they were sued and had to pay back XXXX  million in damages. Collectors should not be threatening jail time nor should they be pressing criminal charges for a debt that was unpaid due to financial hardship. I have every intent to pay the money back but I have been going through a very tough time financially. Ace cash express states the debt is in collections and theyre unwilling to make payment arrangements with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I filed a complaint with CFPB on the XX/XX/2023, And I was given a monetary relief of {$240.00}. It never got adjusted in my Paypal account. Upon contacting synchrony bank and Paypal, they said on th2 XX/XX/2023 the claim was denied? and no funds were adjusted. I am attaching the letter from CFPB and the new letter as well. 

I tried to contact the senior specialist who handled my case XXXX XXXX. I left several voice mails but she never responded to me.

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been trying to remove inaccurate information from my credit reports, there are inquiries on my report that do not belong to me in regards to inquiries for automobile loans. 

The following inquiries that are inaccurate on my credit reports : XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX-TransUnion-XXXX XXXXXXXX XXXX XXXXXXXX XXXX-TransUnionXXXX  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-TransUnion, XXXX XXXX I have resolved this account, please have XXXX XXXX remove this negative item from my credit report XXXX Thank you XXXX XXXX XXXX TransUnion XXXX XXXX XXXX they claim that I have made late payments before, but that is inaccurate, I have requested them to correct this several times and they keep saying they will, but to date they are still showing my late payments on my credit reports.

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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; 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 non-monetary relief
Consumer complaint received 2019-06-05
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have made several attempts to communicate with my new service, XXXX, on the option of having my mortgage recasted. I have paid my mortgage balance down, their website states that this is an option for customers. 
I have called and they stated for me to email them at XXXX which I did on XX/XX/. I called a week later to follow up on my request and the caller stated that a supervisor would be emailing me the next day. This did not occur. I went on their website and sent a message through " contact us '' link and asked for the same thing. When I went to follow up on this request, I literally sat on hold for 35 minutes waiting for them to pick up. 
I want to know what I need to do to recast my loan. The first time I called they pressured me to try and refinance my loan and I am not interested in that. I am not sure why they are not communicating with me.

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 2017-09-25
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: Account information incorrect

Complaint:
XXXX XXXX a collector for original creditor XXXX has recently updated/verified a collection account, account no. XXXX and done so wrongfully.The inaccurate negative information is appearing on XXXX, XXXX and equifax credit bureaus. 
When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone with a refurbished phone for XXXX dollars.The refurbished phone worked for awhile but there was a problem with the charging port.I struggled with the phone for about a month until the phone was dead and wouldnt take a charge.I didnt want to pay another XXXX dollars to trade this phone and risk getting another defective one so I abandoned the acct and moved to another carrier.I was being billed heavily as I had added my girlfiend to this account which did not function properly due to the two defective phones.The phone service was only good in the beginning and the service deteriorated with the defects on the original phone and replaced phone.The carrier XXXX could not provide good adequate service due to defective phones and the charges to me are unfair and wrongful due to the poor service received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: GA
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 XXXX, Ga XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! 
XXXX. XXXX XXXX XXXX XXXX, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: KY
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:
On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report. As of this date, they have not responded. I am writing to provide the details of the inaccurate information and request the necessary corrections : The following account is not mine : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 received a copy of my credit report from TransUnion that currently still show inaccurate information. I have sent 3 requests to TransUnion for an investigation of the alleged public record listed of bankruptcy. I have received an incomplete and unverified information back from TransUnion states that alleged public record verified per data furnisher. TransUnion have failed to advise how the alleged public record listed of bankruptcy was verified. I understand that per the law of FCRA under permissible purpose. I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investigation to the matter and request lawful reply. I called TransUnion on XXXX XXXX XXXX for an update regarding the fraudulent bankruptcy activity on my credit report.I spoke with a manager name XXXX XXXX XXXX could not provide his agent number. XXXX advised me that TransUnion does not use the vendor XXXX. We all know that TransUnion owns XXXX. XXXX advised me that they use another vendor but could not reveal the 3rd party credit vendor 's name. XXXX advised me to contact the U.S. Bankruptcy Courts and provide TransUnion with the courts letter. I told him I did that. Then he told me to contact the U.S. Bankruptcy Courts again for an expungement letter. I have attached my letter from the U.S. Bankruptcy Courts and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I recently turned XXXX and I just got a hold of my credit report and I see a lot of items that I do not recognize. I do not know what this stuff is XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX, NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-09-12
Company: Pendleton Capital Management
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This collection agency has had several different people call me, my family, my friends and my manager at my place of employment which I can not have personal calls at work. The first person XXXX XXXX called my work number from, when she was told I could not received personal calls at work she demanded to speak with my HR department because she wanted to serve me with papers at my place of employment. She was told she could leave a message but keep insisting to speak with HR. After the call was disconnected she called back from another number and again demanded to speak with the HR department. Again was told no personal calls at work and her message would be given and to cease and desist from calling. She then called my manager and told him she needed to speak with me about a personal matter. One week later I get a call from XXXX on my cell phone, I specifically said please stop calling. Two weeks later I get 3 calls the last one leaves a message XXXX XXXX telling me he was going to forward my paper work for legal action, he also once again called my manager at work tell him a claim is being filed against me.

Company response to consumer: Closed with explanation