BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
Company: Blueprint Holding Co., Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I put my house up for sale, and quickly there was only one company dedicated to buying houses. 
The deal was {$90000.00}, which specified that the bank was owed about {$50000.00} or a little more. 
The point was that I asked them for {$40000.00} dollars for me regardless of whether something was owed more or less the case was that the buyer promised to take care of. Everything you want {$40000.00} don't worry about anything we take care of everything. 
Being, so I accept what was agreed, so I went to these people via e-mail and then by cell phone, agreeing again on what I demanded to close the deal, it arrived on the XXXX XXXX and the notary appeared at my house to sign the papers I read figures again that had nothing to do with what was agreed, I went back to communicate with the saleswoman who spoke the first time and she remembered the deal and told me that she was going to speak with her superiors to sign that we would fix it later sign the agreed day trusting this people from XXXX XXXX realtor but the money was not there at the time of closing, after asking where my money is and confirming that I need it, they said that I had to sign another agreement in order to add another amount, and it made sense to me they told me on monday and nothing they told me on wednesday and nothing then they said friday and nothing At this point no one knew anything and no one answered my e-mails or phone calls and in each message I repeated that I needed my money the last week they had me signing the same paper about 5 times how firm was the new arrangement so they tried to control me making me believe that everything is ready I don't think the treatment of either of the two XXXX companies is fair. They have made me stressed, they have made me feel miserable and I had to lie to the people with whom I have promised to pay on time for the XXXX of this month in a few days, let 's say. I have to move and I don't have the money to pay the new contract to the company that is going to rent me. I am going to be left on the street thanks to these people who, after the last day I signed, have not been able to tell me when they are going to pay me. 
In these moments in which, because of these people, a certain part of a repressed XXXX is activated, I want to take them to court and through the law that they take charge of all the financial problems that are produced by this negligence carried out by these two companies because of the disagreement that I am not even going to get the {$40000.00} that I planned to receive

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
My credit report was obtained via Exquifax 's servers without my consent.
I fear for the safety of my personal and financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax was hacked and their tool at XXXX indicated that my information may have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
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 XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax did not protect my sensitive personal information. The data breach was due to their inability to secure my information adequately and thus put me at risk. Again, it is up to me as the consumer to deal with any risk, remediation, and taking additional steps to secure my data and identity. This is simply unacceptable, given this is Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2020, I tried to purchase a vehicle through XXXX Pay for {$4700.00} and that same day the money came out of the account. The guy I paid claimed he never received payment for almost a month, so on XXXX/XXXX/2020, I filed a dispute with my USAA. The money was returned to my account on XXXX/XXXX/2020. On XX/XX/2020 the dispute was closed. Then today, XXXX XXXX, 2020, they reversed the credit and sent the money back to the guy without any notice, causing my rent to bounce. I called and spoke to customer service who told me there " was nothing they could do, but would be happy to put in a re-dispute '', which I did. Then I called back to speak to someone in management where I was told that they dont put calls in to management. Instead I spoke to an " Executive resolutions specialist '' who again reiterated that I could put in another dispute and that the receiving bank had submitted supporting documentation to support that I had received services. I do NOT have the car, and he has since sold it to someone else. Basically USAA stole {$4700.00} out of my account and they are basically telling me I have no recourse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Back in XX/XX/XXXX, IQ Data called my cell phone requesting a payment for a debt that accrued through my old apartment complex. I was unaware of the debt due to me giving proper notice to vacate the property. When I was contacted via telephone I was told that if I didnt pay my debt that my kids would never go to college because they were going to make a permanent mark on my credit report. I began to seek legal advise regarding this issue. I was unable to follow through with hiring a lawyer. On XX/XX/XXXX I paid my debt off. I was told that this would be taken off my credit report and that the debt was settled. 

In XX/XX/XXXX I applied for a rental property and was denied due to this still being on my credit report. It is showing a large sum being due. I called the IQ data on XX/XX/XXXX to inquire why this was still showing up on my report. They stated that although the debt was settled and i was not responsible for further payment, I still had a portion that needed to be paid off. I have the receipt of the payment I made back in XX/XX/XXXX, it shows a XXXX balance remaining and releases me from this debt. 

The amount that was due was {$1100.00}. The amount settled on and I paid was {$940.00}. This was paid on XX/XX/XXXX. I have been denied housing because of this company. They made sure to keep up with their threat of permanently ruining my credit report. I will not be able to rent a property or get approved for a loan to purchase a house due to this. The companies information is listed below. 

I.Q. DATA INTERNATIONAL, INC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX   XXXX, XXXX, WA XXXX HOURS : MONDAY-FRIDAY XXXX TO XXXX PST TOLL FREE : XXXX OR ( XXXX ) XXXX FAX : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03
Company: General Service Bureau, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The option I need to discuss my compliant was not a choice. I want to talk about the fee charged to pay the debt over the phone. It is ridiculous to be charged a {$7.00} fee to use a debit card, but it would be free if I gave them my checking account information. Granted my payment for the medical bill was an oversight! I thought my husband paid it and vise versa. Needless to say I could pay the {$160.00} for the bill without issue. BUT the fee is terrible. It is unfair and not warranted especially since it is not costly to process the transaction. GSB ( General Service Bureau ) has more of risk with over the phone or mailed in check payments! They seem to be gouging folks on fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Medical Society Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under Bureau of Med Economics. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i am livid after all i been thru. i spent HOURS on the phone about this with dispute explaining it. i will not be using my cards now for some time. On XXXX i got my hair done. i was told that it would be XXXX that was what i saaw for XXXX. they then upsold me to XXXX i was livid. it was very deceptive. they use XXXX  like many merchants do to draw you in then they add charges on. then on XXXX i developed symptoms in my ear. Indeed water had been left in my ear and i developed a outer XXXX XXXX. i told XXXX the bank i wanted all my money back and i did contact XXXX XXXX. this is on my card ending XXXX they gave me some script back. I know i told them XXXX was my XXXX. bottom line i want it all back for the heck i have had all month inc a emergency room visit and 2 weeks p of needless pain from my ear water being left in it there i will pay nothing for this. today XXXX of XXXX i see it rebilled to, my account please send merchant response and why its on my account so i can respond i am now unable to use my accounts by choice. 

I explained all to supevisors they said they could understand my situation. and still wrong thing gets done i said dont come back and say i went there that day i dont dispute that. i want a refund and i explained why. i am not stopping til right thing is done but now unable to use my accounts. I suffered with a XXXX XXXX from the place. see how you would feel i have proof if i need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: WV
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 wrote a letter requesting investigations into the incorrect information that is showing on my credit report. I also requested an update to my fraud alert with the correct phone number. Two weeks later i received notification from the company saying that its complete because every item was not showing. When i check my most recent credit report directly from the company all the items remain in the same status and its still incorrect. The fraud alert was updated.

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 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
n accordance with the Fair Credit Reporting act 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 ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX  IS THE ACCOUNT NUMBER IT WAS OPENED ON 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 2021-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am 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 Equifax 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 XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax mishandled my personal information in a recent security breach on or around XXXX XXXX. I was made aware of this break during the week of XXXX. This puts me and millions of other people at risk. I am listed as a potential victim on their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Experian Information Solutions 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 XXXX, partial acct. XXXX is appearing on XXXX  and EXPERIAN credit bureaus as an unpaid charge off.XXXX has previously deleted. 
The problem stems from the fact that the car is a lemon.XXXX and I were previously involved in litigation of this .Since I'M NOT PAYING FOR THE CAR, DON'T WANT IT, I WOULD ASSUME THAT XXXX WOULD REPO THE CAR ... I WOULD GLADLY VOLUNTARILY SURRENDER THE CAR IF IT WOULD RID THE XXXX DEBT, but I don't want the car and neither does XXXX XXXX but they want me to pay for the car or they destroy my credit.I believe that the original contract is in full force and effect and not changed or modified by any of our dealings.. ... and would call for XXXX to reclaim their security ... .and credit the value of the car ... and any balance left I would be responsible for. 
BUT IT APPEARS THAT XXXX THINKS THE CAR HAS NO VALUE BUT THEY WANT ME TO PAY FOR IT AS IF IT DID.

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 2018-05-20
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted OneMain directly as well as the 3 credit bureau 's. I have asked this collection company more than 60 days ago to remove this false negative account from my credit file and or show just cause of any potential accuracy or proof for reporting. To this date I have yet to see any documentation bearing my signature, and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this false negative information be removed from my credit file immediately as this is hurting my credit worthiness. I can only assume that this is a mistake and that this above named company is not attempting to prey on consumers. 


I have maintained copies of these notarized letters and dates and have warned the above named company that I was filing a complaint with the CFPB Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Back in XX/XX/XXXX, I dispute the Bankruptcy on my Transunion consumer credit report. And result from Transunion reinvestigation concluded that the Bankruptcy was accurate will remain on my consumer report XX/XX/XXXX. Transunion didn't send me proof of their reinvestigation. File # XXXX. For anything to be reported/furnished on my consumer credit report, I must give my written instruction per 15 U.S. Code 1681b. and I didn't not give Transunion my written instruction & Transunion violate my privacy.. Bankruptcy is public record BUT, I did not give Transunion my written instruction. And U.S. Bankruptcy court doesn't not furnish any records to credit reporting agencies ( see the attached letter from the Bankruptcy court ) here is the violations : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( cosign ) ( 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.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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

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