BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-27
Company: Velocity Portfolio Group
State: MD
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 been monitoring my credit report and their are inaccuaries on accoun not of my doing, and have not been authorized anyone to do so. As an THE ORIGINAL CREDITOR, the law states unverfied accounts and inquieries must be removed immediately. These accounts are not authoried by me and I do not owe these alleged debts. 

XXXX shows the following misinformation : XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} XXXX XXXX ) XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$120.00} XXXX XXXX XXXX XXXX  the following : XXXX XXXX XXXX  {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} XXXX XXXX ) XXXX XXXX XXXX {$970.00} XXXX XXXX ) XXXX XXXXXXXX XXXX {$28.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$100.00} XXXX XXXX XXXX XXXXn XXXX XXXX. {$120.00} 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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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 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 2019-10-04
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX the Illinois disbursement unit sent a payment of XXXX to Way to go card and also on XX/XX/XXXX XXXX. The monies never came to my card. I contacted the disbursement unit and which they assured it went to Way to go. I have called Way to go from XXXX XXXX up to XXXX XXXX  today XX/XX/XXXX. I've spoke with over 10 different reps, transferred to level 2 several of times. I guy told me that my monies was sent to XXXX XXXX and he thinks my account was hacked and went on to say he had the routing and account number and someone must got a hold of my personal information. So he transferred me to the fraud dept and no one never answered after being on hold for a hour or more. I spoke to another rep around XXXX and he said I need to go to the local office, mind u I haven't lived in Illinois in 3 years. I explained I live in Mississippi and that my payments have been fine for many years. They are telling me that someone opened up direct deposit and that's where the money went and they aren't able to replace it. 
The disbursement unit sent monies to them and they sent it to a direct deposit and not my card, but last month there was no problems. Way to go keeps giving me the run around and telling me to contact ILSDU and XXXX XXXX office when clearly they are the ones who messed up and are telling me they can't do anything and constantly transferring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: WI
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 in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 
Of the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 ( A ) ( 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.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance : {$27000.00}

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 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
three credit bureau reporting inaccurate information and violating my rights under United States XXXXode 15 USC 1681 ( a ).

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 2020-12-02
Company: EQUIFAX, 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:
Fraudulent account identity theft XXXX XXXX XXXX XXXX Open XX/XX/XXXX Amount XXXX Original creditor XXXX XXXX XXXX and XXXX XXXX XXXX  Unknow person opeond Original account in XXXX account was deleted from all 3 credit reports and founded as fraud Somehow after 2 years the account found its way to collection company after previously being deleted from Original creditor on all 3 reports I provided as much evidence as I could in the pictures I sent as you can see in the photos the original account was deleted and as you can see in the photos the original account number and the current account number are the same as the account that was deleted 2 years ago Could you please stop allowing the original creditor to send this account to collection agencies when the original account has been deleted and I was not found responsible for the fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Their investigation did not fix an error on your report

Complaint:
XXXX I was notified XXXX XXXX report 30 day late in XX/XX/XXXX to credit bureaus. I contacted XXXX to get this resolved for several days from XXXX XX/XX/XXXX and submitted a dispute to Transunion on XXXX and to XXXX on XX/XX/XXXX. 

It is very difficult to speak with someone at XXXX on the mgmt team, resolutions team and the US corporate office. I have only spoken with customer service located in XXXX. I have sent several emails to resolutions team however there is no ph # to speak with a human. 


My acct was paid several months ahead periodically, the account has never been late. 

I received an email from resolutions on XX/XX/XXXX indicating the correction would be submitted to the bureaus XXXX. 

XXXX I emailed XXXX XXXX XXXX to get a status on the correction. 
I then contacted Transunion and was advised a XXXX Representative, XXXX, verified the accuracy of the late pmt on the account on XXXX. I completed a conference call with Transunion Customer Relations Supv-XXXX and XXXX Customer Service Rep-XXXX XXXX XXXX indicated that he would contact a supv and get back with me. Transunion has indicated that the creditor has the ability to update the account electronically and update on their end same day. 

XXXX never showed the XXXX account as reporting, however I rec 'd notification on XX/XX/XXXX the acct reported late in XXXX. XXXX has not received any correction request from XXXX XXXX XXXX XXXX XXXX responded back indicating that the correction was submitted on XXXX. I responded back indicating the conversation that I had yesterday with Transunion and XXXX Customer Service Rep and that I need to speak with a supervisor. I called XXXX and there is no other ph # than the one that transfers you to a Customer Service XXXX in XXXX who can not assist with this matter. This is not acceptable to have a US based company however can only speak with XXXX in XXXX and unable to speak with anyone with authority to resolve the issue. 

XXXX is showing my dispute still in process This has caused my credit scores to drop significantly and causing stress and financial hardship. Also, I did not give this creditor authorization to report this account nor transaction history to my consumer report based on USC 15 1681, USC 15 1666b

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 2023-02-10
Company: EQUIFAX, 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:
I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. This was attached to my dispute letter. Accounts have been updated which means they was not correct to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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 am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2021-09-17
Company: AES/PHEAA
State: WI
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:
On XX/XX/XXXX, I attempted to make a scheduled payment for my student loans with Fedloans. When I spoke to the representative, she said since my payment wouldnt file until after the loan forbearance took effect, that I wasnt responsible for my XXXX payment. Therefore, I canceled my payment. 

However, when I logged into my account in XX/XX/XXXX, it showed that I was behind on a payment. I called and spoke with another representative, she said that if I made the payment then, it would count towards my XXXX payment. Therefore, I made a payment of {$570.00} on XX/XX/XXXX as instructed to count for my XXXX of XXXX payment. 

When I submitted my next employment certification form XX/XX/XXXX, they did not count my XXXX payment as a qualified payment. I had called and spoken to another representative and she said she would submit a request to have that payment reviewed. I had not heard anything for a month and so I called again and they said it was still under review. 3 months later, I called again, and they said once again, it was still under review. 

After over a year of not hearing anything, I decided to submit another employee certification form on XX/XX/XXXX, and they still stated that the XX/XX/XXXX payment did not count as a certified payment. 

I called and spoke to a representative and she said she did not see any claim being reviewed for my XXXX payment to count as a qualified payment and said she would submit the claim. Its now been over a month and I still have not heard anything. 

I have continued to speak with several representatives and have been given false information numerous times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: TransferWise Ltd
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
wise XXXX has closed my account for no reason, when i try ask them and send many mails no one answer, my account been created long time, and all was good until now, they close it for no reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been informed student loan is on my credit report. I have not attend XXXX XXXX XXXX XXXX  XXXX University. I have visit the school to get student ID information, and any documents on file to confirm account belongs to me. There is no documents and have been confirmed there is no enrollment for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 explanation
Consumer complaint received 2023-05-21
Company: Block, Inc.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I paid an invoice of {$1400.00} for my clothing business using my XXXX XXXXl account PER CASH APP Upon completing the invoice the seller never sent my merchandise and told me that they would issue a refund that never came through. I decided to dispute this charge through XXXX XXXX however they told me that since the transaction was paid through cash app they were unable to look into it. As a XXXX XXXX customer I'm highly disappointed as the point of the bank is to help protect my money. I have provided XXXX XXXX receipts of my conversation with the merchant as well as receipts of payment to no avail. Cash app has also denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A Debt collector is trying to make me pay on debt from XXXX. They said that Chase purchase the Providan Credit Card account, these people are using bully tactic asking for pre paid credit card mentioning my stimulus check and unemployment check, I think Its a scam but they using their skills to try to take money from me. They said that their attorney will press charges on me. Here is the phone number XXXX XXXX XXXX XXXX these are rude people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Seattle Service Bureau, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt is a written contract with a divorce lawyer from 2014. The statue of limitations in Washington on a written contract has expired RCw 4.16, I am not the sole owner of this debt and the company is destroying my credit by keeping it in all 3 bureaus, they are being fraudulent with the dates in order to keep it on my report. I have never received any mail from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TekCollect Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
TeK Collect are a 3rd party collection company ( purchased debt from doctor ) for A duplicate service. I had a series of tests conducted by the subject doctor over a period of time including a DUPLICATE TEST that was charged to my Insurance company that REJECTED the billing as being a DUPLICATE TEST! The doctor waited 6+ months before sending me a bill for the DUPLICATE TEST rejected by the insurance. I contacted the Doctor 's office explaining the XXXX [ XXXX TEST, in error ... during the beginning of the 2nd test I pointed out to the technician that I felt this was a DUPLICATE TEST FOR WHICH SHE RESEARCHED THE RECORDS AND CONFIRMED THE DUPLICATION... but stated since she had already started the test she would procede to complete the test... not to worry! 
The 3rd party COLLECTION AGENCY = TEK COLLECT INC ignored my DISPUTE and reported the so-called DEBT to the CREDIT BUREAUS which have posted a NEGATIVE 'DEBT COLLECTION '' on my file ... resulting in negatively impacting my application for a MORTGAGE to purchase a home. In addition I sent a CEASE & DESIST letter to TEK COLLECT with c/c to all THREE CRDIT BUREAUS. 
In addition I filed a DISPUTE with XXXX which has taken the side of TEK COLLECT ( a PAYING member ) in their attempts to collect the so-called DENT = DUPLICATE TEST BILLING rejected by my insurance company as well as myself!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2021-09-17
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am aware that I was violate too many times. As a natural person who is federally protected. I am notifying you that your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such : 15 USC 1692 C ILLEGAL TO COMMUNICATE, 15 USC 1692 Abusive practices of debt collections they can not invade my privacy and only I deem what is private to me and 15 USC 1692 G validation of debts you do not have permission to say I owe anything.

Company response to consumer: Closed with explanation