BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
On XX/XX/2021 I purchased a MoneyGram money order from my credit union XXXX XXXX XXXXXXXX XXXX XXXX union. Its for {$670.00} money order reference number # XXXX. I filled it out in permanent ink making it payable to my landlord XXXX XXXX. My name XXXX XXXX as signature and my address as well. I mailed it using the mailbox in my neighborhood on the corner of XXXX XXXX and XXXX XXXX. 
On XX/XX/2021 that money order was cashed but my landlord still states he hadnt received it. I went to my credit union and was told they use third party money orders and I have to take it up with MoneyGram. I called MoneyGram and was told that I would have to pay {$18.00} to request a copy of the money order. I did that and waited almost 3 weeks to receive it in the mail. When I got the copy it is clear that this money order was altered as the criminal only wrote over my words on there. 
So now I have the copy and I called MoneyGram back and was told that I need to request a description of where the money order was cashed. This service was free but necessary in order to start the process for refund. I waited a week for that email. On XX/XX/2021 I got the email from MoneyGram that told me XXXX XXXX bank cleared the money order on XX/XX/2021 and gave sequence # XXXX. MoneyGram says the money order cashed on XX/XX/2021. 
I then called XXXX XXXX and was met with representatives that told me they will have nothing to do with this. They wont trace the sequence number. They wont help me at all. 
I called MoneyGram back and now with the copy of the money and the email with the source that cashed the money order, I can now move forward with the actual refund process. I am currently waiting on an email and a hard copy of an affidavit to fill out and return to MoneyGram. They state the process could take 3-6 months possibly a year for a refund and even then its not guaranteed. I just dont know what to do. My landlord needs that rent and I need my home. 
The criminal was able to get my money right away without a hitch. Im the victim and I have to jump hurdles just for someone to help or even hear me out. 
XXXX XXXX was the front line of defense to protect me against this criminal act and they failed. I do not have an account with XXXX XXXX so I was told I cant file a complaint with the Office of Comptroller of Currency. 
I was referred by the OCC to Consumer Financial Protection Bureau to file the complaint because its a MoneyGram money order. 
Please someone help me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I saw an ad to check my credit score. I didn't see any thing about a charge to my credit card. I contacted them immediately and they said they couldn't do anything. I am a XXXX citizen and I am sure I am not the only only one.

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 2021-12-14
Company: Early Warning Services, LLC
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:
There is an account open from XXXXXXXX XXXX in my name which i never opened and i would like deleted from my consumer report and to stop being reported to earlywarningservies. The information linked to this account is a phone number which does not belong to me XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX which is not my address. This account was opened XX/XX/2017 and was closed XX/XX/2017 and still has not been removed from my consumer report despite it being fraudulently opened without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, 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:
This account was recently owned by another company and i had it removed from my report, so the original creditor had to sell it to another company and the have now also added it to my report without my permission. This was my original complaint to the last company that responded and deleted : YOUR COMPLAINT Submitted to the CFPB on XX/XX/2022 In accordance with the Fair Credit Reporting act XXXX XXXX, ( Original creditor 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. 

And this is the last companies response : Company 's Response Company responded on XX/XX/2022 Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collections Collection XXXX XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXXEQUIFAX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 

So therfore : In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX Original creditor : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX SELF / LEAD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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 not liable for any debt with XXXX XXXX Apartments I dont not have a contract with XXXX XXXX XXXX and after numerous attempts to resolve this inaccurate information being reported on my credit they have failed to send me a copy of the contract as requested

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 2023-03-14
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-12-14
Company: EQUIFAX, INC.
State: LA
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 Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC 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 and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX - XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 

1.XXXX  XXXX Account # XXXX 2.XXXX XXXX  XXXX Account # XXXX 3.XXXX XXXX XXXX XXXX  Account # XXXX 4.XXXX XXXX Account # XXXX 5XXXX XXXX XXXX Account # XXXX 6.XXXX XXXX XXXX  Account # XXXX 15 USC 1681 section 602 A . States i have the right to privacy.

15 USC 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 1681 section 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 explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I had XXXX student loan accounts with you. On my credit report, it shows late payments back in 2015. Could you please provide me with proof that I was late on my payments? These late payments are damaging my credit score & affecting my getting approved for a home loan.

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 2017-07-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX I was in XXXX. Tried to use my debit/credit card from Citizens Bank. The card did not work either as debit or credit card. ( Plenty money in the account ). Today, XXXX XXXX I went to XXXX and tried to use my card as debit and credit. Did not work. There is a Citizens Bank in XXXX XXXX XXXX. I went over to the bank and at first they had no idea why my card would n't work. Then the young lady who seemed to be a manger tried to sneak out without answering my question ; what 's wrong with my card! She said oh you got your PIN number wrong 7 times in a year so the card was shut down! No notification from the bank that they shut down my card. The teller and the manager did n't care, that is Citizen Banks policy. This is wrong on so many levels. They need to notify their customers when this happens!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im filing this complaint against transunion They have failed to attach the police report I sent them and the ftc identity theft report, two accounts thats on my credit report needs to be removed before I add transunion into my lawsuit I am a victim of identity theft and my complaint and documents are being ignored and not handled correctly and transunion comes up with excuses not to help or take care of the issue. I want these accounts taking off my credit or I will sue transunion for failure to properly handle this issue and correct my credit report as I requested and now demanding, take off these accounts immediately XXXX XXXXXXXX XXXX XXXX XXXXXXXX card I did not open these accounts and do not ignore my CFPB complaint and I was made aware on a call this morning that yall didnt receive my documents but I have proof by the CFPB that they in fact sent these documents this will be. Used as proof that filed several times and nothing done about the issue now I demand that these accounts be taking off 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 non-monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: CA
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:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi. I was looking for a second job to pay my bills, I applied for a remote job. I was desperate, I received a message stating they read my resume and they would like to proceed with the interview to get the job. They want to do an assessment to see my Qualifications. They told me I got the job on XX/XX/2021. They sent me a check to buy the equipments but they told me to get the equipment from the company that provides their company equipments I need to send it by XXXX. They sent me a location for an atm XXXX. It was the first time I applied for a remote job that responded. I was blinded by excitement. It's the first time have been scam, I had no idea a fake check can be deposited and validated by the banks. I though, if the checks I real maybe the job is real. I already XXXX XXXX XXXX now I have XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. The banks approved the fake check less then 24 hours. The bank wants me to pay the money back after I called them and explained everything. I have evidence that I have been scam. I didn't know such a scam existed. Losing hard earned money by someone that's doing nothing with their life is the worst thing ever. I always go to work at XXXX am to XXXX pm and sometimes XXXX am to XXXX pm. It hurts more knowing I've hard really hard for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-02-23
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 sent a handwritten letter to EQUIFAX which was received on XX/XX/XXXX2022 ( certified mail # XXXX ) describing the inaccurate nature of some accounts on my credit report and requested it be deleted immediately XXXX XXXX : XXXX : {$7900.00}. On XX/XX/XXXX EQUIFAX received an Identity theft report packet ( Certified mail # XXXX ) containing a cover letter, my SS card and a copy of my drivers license to proof it was sent by me. EQUIFAX then stated over the phone that the account in question had been removed. However, it still has not updated on my credit file and has been re-inserted. This action is severely harming my ability to obtain new credit and obtain new housing due to the impact on my credit score. By federal law EQUIFAX has ASSUMED a vital role in assembling and evaluating consumer credit and other info on me as a consumer. As a CRA their are required to exercise their GRAVE responsibilities w/ fairness, impartiality and respecting my right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 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 2022-09-21
Company: Experian Information Solutions Inc.
State: NJ
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 distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Below are the inaccurate accounts from my credit report : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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