BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX, XX/XX/2020 ) ( XXXX XXXX XXXX XXXX XX/XX/2020 ) ( XXXX XXXX/XXXX-XXXX, XX/XX/2020 ) ( XXXX  XXXX, XX/XX/2020 ) ( XXXX XXXX XX/XX/2020 I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-11-13
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent three Western Union payment to a company to purchase Medical Examination Gloves, but I never received the Gloves, so I filed an Online Cyber scam complaint and reported the mattter to the XXXX Police and WesternUnion. 
on XX/XX/XXXX, I received a XXXX package from Western Union at my address where the funds were sent from in XXXX and thaty gave me three new MTCN numbers and three case numbers as follows and suggested that i should go and pick up the funds at a westernunion location : NEW MTCN NUMBER NEW CASE NUMBER AMOUNT XXXX XXXX {$2300.00} XXXX PESOS XXXX XXXX {$5100.00} XXXX PESOS XXXX XXXX {$5100.00} XXXX PESOS Upon receipt of the documents, I took my assistantant with me ( she was the person I had sent to western union to make the payments. XXXX XXXX XXXX XXXX ) to the Western Location from where the money was sent. They claimed that the money was returned, but since I did not receive the money, i checked on the Western Union App and on the western Union Page, and it said money sent, waiting for pick up. 
I called western union and they gave me a new case numberXXXX and told me i could go back now and pick up the funds. This time we went to a new location, butr no money was available. 

i called Western union again, and again they gave me new case number. XXXX and three new MTCN numbers to collet the money 1- MTCN XXXX XXXX XXXX 2-MTCN XXXX XXXX XXXX 3-MTCN XXXX XXXX XXXX AGAIN WE WENT BACK TO WESTERN UNION AND AGAIN THERE WAS NO MONEY FOR PICK UP Once again thay gave me a New case number XXXX its now several weeks XX/XX/XXXX and the decision now wa stht they will send us a check. 
i sent them many emails and also with our change of address etc. but no response and no check arrived. 
i called again on XX/XX/XXXX, and they told me that they are still investigating and i should call them back in 24-.48 hours. 
I called today XX/XX/XXXX, and still no result. They are still investigating, and i should call them back in 3-7 business days. 
I strongly feel that i am getting the run around and need your intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
1 - I am being asked to pay XXXX a month that goes to XXXX of the principle for XXXX loan. I was not informed that XXXX was a fee each payout and that XXXX was interest each payment. I requested a freeze on my account and that I would make regular reasonable payments. To date no action was taken. 
2 - 10 days ago, following AdvancedFinancial Instructions, I revoked authorization from my checking account on XX/XX/2016. Today payment was withdrawn. ( Now I am a risk of not being able to pay my mortgage ). My bank is XXXX XXXX XXXX i am in Tennessee. What else can I do? I want to make manageable payments for a loan that was taken out during a tough time. I do n't want to declare bankruptcy and do not wish to close my bank account but am at a loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
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 have tired getting this resolved with a 623 dispute letter that BECU says the date of the first date of first delinquency is XXXX. On page 1 of the PDF attached from BECU. XXXX XXXX flat out says " No payments were received after XX/XX/XXXX. '' XX/XX/XXXX payment was past due., On XX/XX/XXXX and XX/XX/XXXX collections letters were sent to XXXX XXXX XXXX On XX/XX/XXXX the visa was 75 days past due Page 5 of the PDF shows a billing statement with a late charge also reflects the date of the first date of first delinquency being XXXX. The Law says The date of first delinquency also known as the XXXX is the date an account became 30 days late which led to a charge-off by the creditor. The FCRAs Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged off or placed for collection. With that being said and the letter sent to me from BECU saying the XXXX is in fact XXXX. I am requesting this tradeline removed. BECU has reported inaccurate information knowing to the Credit Beru Which is violation of the FCRA. IF BECU refuses to delete this trade line please forward me your legal componence address because I will be filling suit for violation FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Olympic Collection Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hello, I received notice today that I am being sued for a dental bill for my son for {$180.00}. The collection company did not take all the necessary action to bring this bill to my attention. They did not call me multiple times, did not leave voicemail, did not text me and did not email me. My husband wasnt contacted either. They state they called and sent out a statement, but I have no notice of this and can with 100 % truth tell you I never received multiple attempts from this company at all. I have paid the bill in full, which after fees was {$440.00}. I want all record of this removed from everything. What they did was not right. You can not say you whispered to someone then sue them for not hearing. This isnt even on my credit report that I check weekly. They did not try to bring this to mine or my husbands attention before they decided to sue. My paper shows its was filed on XX/XX/XXXX at my court and today it was received on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: VA
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 Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX  account # XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  account # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  account XXXX XXXX XX/XX/XXXX XXXX XXXX account # XXXX XX/XX/XXXX XXXX XXXX account # 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 7 years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2022-07-20
Company: EQUIFAX, INC.
State: AZ
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:
The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report unauthorized inquiries on my credit report. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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:
Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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:
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 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. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2021-04-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Lakeview Loan Servicing LLC continues to contact me for payment while I am on a forbearance. They mailed me correspondence stating I was behind and had not paid my Mortage as required, while on a forbearance. I repeatedly receive automated calls to contact their company. I was told by the customers service representative that they could call during my forbearance and demand payment.

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 2021-11-13
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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found 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 incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: AZ
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 have contacted XXXX XXXX numerous times about incorrect information on my credit report that their company is responsible for reporting. XXXX XXXX IS REPORTING FALSE AND inaccurate information to the credit bureaus. XXXX XXXX is in violation of the Fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Mid-South Adjustment Co., Inc.
State: AR
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 recently became of victim of identity theft and had made contact with the three major consumer reporting agencies regarding this issue. For some reason accounts that have been blocked or deemed has fraud under the Fair Credit Reporting Act Section 605b are appearing on my credit report. The account is listed under a company by the name of Mid-South Adjustment Company has recently placed an Medical Account on credit report without sending any 5 day initial notice of obtaining the debt which is a Fair Debt Collection Practice Violation and in addition failed to adhere to the Health Insurance Portability Act. This debt was from the direct result of identity fraud and has been re-sold which breaks the chain of the command and constitutes yet another violation of the Fair Debt Collection Practice Act. This is a clear violation of my consumer rights and I will seek legal action if this matter is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for a pay day loan with this company on XXXX as I have done several times. In times past I applied for a specific amount and was given a pay schedule which told me how many payments I had to make until the loan was paid. When I applied on the XXXX I was under the impression I was applying for the same type of loan but the company changed the name of the loan to flex pay. I got a loan for XXXX and thought I would be paying about XXXX installments until the loan was paid. I called the company today to find out how much owed and I was shocked that I still owed over XXXX and I 've made XXXX payments. I was told by the representative that the way they do loans have changed and now it is an open line of credit and that if I only make the minimum payment on XXXX is going towards the principle. He said it was like a credit card. I feel that I have been a victim of predatory lending and full disclosure was given to me at the time of the loan. They changed the name of the loan. Under these terms I will never pay it off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have made proper TAX XX/XX/XXXXpayment on XX/XX/XXXX, online by echeck. 
I have contacted Bank of America local branch, they provided certified Bank statements to showing that : 1 ). The correct checking account number in this eCheck. 
2 ). I have sufficient fund in my checking account. 
Unfortunately, this echeck was returned, even without reaching my checking account at all. 
I hope you can evaluating what has happened to my 1st payment on time, and kindly waive the property TAX later fee and interest. 
By the way, my father passed away at the end of last year, I went back to XXXX and come back a bit later. So I mad a last minute TAX payment. Otherwise I would make a payment much earlier. This is the 1st time happened to me for a returned check. 
My wife and me to live in this property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( Account # XXXX ), my wife XXXX XXXX has XXXX XXXX XXXXXXXX allowance. In the mean time, we are in the process of make title name change to XXXX XXXX and XXXX XXXX, then we can apply for a TAX exemption with XXXX soon. 
This incidence is the irresponsible handling of my echeck by BOA online service, no communication with me, no alert messages at all. Though I have made several calls for this echeck and try to make it go smoothly. BOA should be responsible for later fee and interest fee charge, returned check fee etc over {$400.00}. The BOA online service is very poor, each time, it take me at least one hour to reach a representative. Even a branch of BOA manager has taken over 30 ' to reach a BOA online service representative.

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 2018-08-03
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:
Equifax Ive contacted the above credit bureau on several occasions over a 2 years period, explaining to them that Im a victim of Identity theft. I have also provided them several copies of the police report and they have not complied in removing any of the negative information on my report.

XXXX is a fraud account I explained to them that DMV has informed me that there are 2 other individuals in XXXX   Florida that has copies of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information and all they can do is inform me of the issue. However, they stated that the bureau can request a copy of the information and they will send it to them directly. Yet, even after finding that out that information, the bureau refused to request a copy, and continue to retain the information on my report. 
I have explained the later payment to XXXX card and the credit bureau was due to fraud and identity theft. I have spoken to discover card many times and theyve stated that they will remove it yet, its still there. I also explained to them that the information amount on the student loans is incorrect and to this day, nothing is being done about it. I have been working with them for about 2 years with no type of improvement in the results. They keep sending me back the same information repetitively without any removal. Stop having companies change my address in your system and asking me to prove my address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
Company: PENTAGON FEDERAL CREDIT UNION
State: DE
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : PENTAGON Date of inquiry 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 explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: TX
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief