BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I did NOT authorize any inquiries that 's on my credit report. Any inquiries from  XXXX   2017 until now are NOT mine and need them removed from all credit reports Thank you

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 2021-11-22
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Owed : {$0.00} XXXX  XXXX Owed : {$0.00} XXXX XXXX Owed : {$95.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Owed : {$2200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Owed : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Owed : {$930.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2200.00} XXXX XXXX XXXX XXXX Owed XXXX {$17000.00} Date Opened : XX/XX/2021

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 2022-01-10
Company: EQUIFAX, INC.
State: OH
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:
My Personal Information was compromised and there were a number of inquires I did not authorize. Have contacted Credit Bureaus on numerous occasions to have these fraudulent inquires done without my consent to be removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Security Credit Services, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This involves a company called "  XXXX  '' concerning the lease of a bed mattress. I paid on this account for months, contacted  XXXX  on what I owed to have the account paid off and they told me {$730.00}. I made arrangements to pay off the balance, however, they never took the payment. I have paid way over the amount of the cost of the mattress and they are asking for {$1500.00} for payment!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
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 XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence dated XX/XX/2017 This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. <P/>I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. Awaiting your reply in a timely manner. Sincerely, XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX, and Equifax credit report, And I noticed some late payments posted on my credit report XXXX XXXX ..ACCT : XXXX late payment. XX/XX/XXXX 30DAYS Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give u written instructions to furnish this late payment on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: GREAT LAKES
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, I started the application process for the Teacher Loan Forgiveness with Great Lakes.  From that time on, they sat on the paperwork and did not tell me of any issues timely or process.  Then, they said it was just all illegible.  Then, I resent the paperwork and they said there was a section that was completed incorrectly even though it was completed as requested.  Although I applied just for Teacher Loan Forgiveness and repeatedly notified Great Lakes that I did not want to go into forbearance as I just wanted to continue to pay my loans at the same amount under the same payment structure I agreed to at the time of graduation in the exit counseling and just have the Teacher Forgiveness portion of $XXXX applied toward principal when received, they continued to put my loan on three occasions into loan Forgiveness although both in writing and over the phone to several supervisors including XXXX, I specifically told I did not want this to happen and explained as above what I did what to happen as far as application to principal when received and continuing same payments schedule.  After numerous calls, many recorded, complaints filed with the company in writing and written email message correspondence over the past 7 months, the forgiveness was finally applied in XXXX.  However, they lowered my payment schedule and changed the payment date which was not what was requested.  On XXXX, XXXX   I sent another email and complaint to the company and then they did something to my account where instead of an approximately $XXXX   balance, it is showing $XXXX balance and $XXXX past due although I have never been past due on an account EVER!  I can attach a copy if you need it.  Upon seeing this last night, I called and spoke to XXXX, a supervisor, who just continued to tell me that my account had been flagged for a routine account review and this whole situation had nothing to do with that review and that his system was not showing me delinquent although it was all over their website that I was and needed to make a payment IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: MoneyLion Inc.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, my MoneyLion account was hacked by someone. They were able to change the phone number on file and make several transactions including opening a XXXX  account ( which is MoneyLions checking account ), getting a {$510.00} loan with their Credit Builder, and signing up for the monthly membership which is $ XXXX/month ; this said person also was able to cash out several amounts using the XXXX  service MoneyLion offers. On the same day, they also authorized a repayment of that XXXX  in two amounts, the first was {$300.00}, and the second was {$75.00}. After the second amount, my XXXX XXXX account denied further transactions due to limited funds in my account. The person then transferred the loan amount and XXXX  amount to the XXXX account and transferred that into a separate personal account totaling {$860.00}. When I noticed this, I tried contacting MoneyLion directly but wasnt able to get ahold of them except via email. I also tried changing the phone number on my MoneyLion account back to mine to but since it had been recently changed, it would not allow me to change it back. I contacted my bank and they were able to refund the {$300.00} and {$75.00} charges to my account. The next day I was able to talk to a representative who took all of the above information and told me they would pass it along to their team of specialists, lock my account and I would hear back either by phone or email in the next few days. After approximately two weeks, I hadnt heard anything from the company, and MoneyLion had cashed out {$700.00} that was due for repayment of the XXXX. I called them again and got the same response that they would pass it along to their specialists and didnt have a time frame of when the issue would be resolved. It has now been two more weeks since then and I have not received any information or refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
paypal unauthorized usage of my debit card / checking/savings account by paypal. I have not authorized pay pal to remove {$150.00} from my account and they have used my debit card for other transactions I have not authorized them to make. I made a paypal payment via paypal withdrawing funds from my XXXX account, I was given an email address, when I realized it was the incorrect, i called paypal immediately to stop the payment from being issued, the customer representative told me they couldnt do anything I would have to get the monies through XXXX because paypal NO LONGER PROTECT PAYMENTS or monies used from another account FROM FRAUD. I explained this was new to me and that was the first time I was made aware of this. I insisted the payment was only issued moments ago, why cant they stopped the payment. She insisted she couldnt help me or do anything about it. and I would have to contact XXXX, which I did. XXXX back placed a stop payment on the transaction. and rejected the payment. Paypal them access another account I had to pay balances and removed funds without my knowledge. I only saw this today when I attempt to contact Paypal about the issue with XXXX and noticed that they had removed funds from my XXXX savings and checking account, I DID NOT AUTHORIZED OR MADE ANY PAYMENTS TRANSFER REQUEST FROM MY XXXX XXXX I AM REQUESTING THAT PAYPAL RESTORE MY XXXX FUNDS THEY REMOVED OF {$150.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Child is XXXX XXXX XXXX my child support payments have never went delinquent in fact it is paid current up to date the payments that are being made right now is interest only not late fees and is invalid reporting to credit bureaus I have called and written letters for over 4 yrs to get this account removed off my credit ; because payments have always been current and onetime also because there were no services or contracted services nor product to have this account appaering on my credit report. Was made aware that new child support law from XX/XX/2017 enforces bureaus to remove child support from being reported to credit bureaus. Also the Federal Tax Lien is not my debt its reporting on wrong credit file, showing paid so why would it be reported so all information is invalid the account, account type, date, amount and mismatch personal information for this is not my account. As far as collection account I have not received medical treatment from company that has recently posted on my credit report : XXXX XXXX spoke with company trying to see how they got my information the information in their system does not match 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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 
Account name : 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 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 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 2021-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 obtained a copy of my credit report and was appalled at the information that was on my consumer report. I noticed that there are a few violations on my report. 

The first one I noticed is what was is supposed to be Excluded on my report according to federal law 15 U.S.C. 1681a specifically states that any approval of extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from my consumer report. 

I believe Capital One is in direct violation of this statue code. 

The second violation I found is under the Truth in Lending Act. 

15 U.S.C. 1666B ( a ) states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I believe Capital One is in Direct violation of this statue code. 

my character and reputation have been damaged due to Capital One furnishing this false and misleading information on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Westlake Services, LLC
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:
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. WESTLAKE FINANCIAL SERVICES has been reporting incorrect information on my credit reports. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to WESTLAKE FINANCIAL SERVICES, which was received by the company on XX/XX/2018. On XX/XX/2018, WESTLAKE FINANCIAL SERVICES sent me a copy of an alleged Retail Installment Contract, which was received on XX/XX/2018. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting description of the procedure used to determine the accuracy and completeness of the information that was sent to me. I also requested the name, address, and telephone number of each person who personally verified this alleged account, so that I could inquire about how they verified without providing any proof. This follow-up certified letter was received by the company on XX/XX/2018. 

On XX/XX/2018, exactly 31 days after the receipt of the certified dispute letter was received by the company, I pulled my credit reports again, only to reveal that WESTLAKE FINANCIAL SERVICES had violated the Fair Credit Reporting Act, FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not properly providing the credit bureaus with proper notice within the required 30-day timeframe. 

Therefore, on XX/XX/2018, I sent a certified dispute letter alerting the company of such violation, which was received by the company on XX/XX/2018. As of today, XX/XX/2018, WESTLAKE FINANCIAL SERVICES has failed to comply with the laws of the FTC and the FCRA, and they are still reporting inaccurate, incomplete, unverifiable information to the credit bureaus, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.

Company response to consumer: Closed with explanation