BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balance : {$84000.00} XXXX XXXX XXXX Balance : {$84000.00}

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 2020-09-14
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.

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 2023-02-17
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection letter from progressive management systems in XX/XX/2023 XXXX a bill amount of {$420.00}. This is an incorrect collection letter stating I owe XXXX XXXX XXXX group money for which I have never been to this facility nor have ever seen any doctor from this facility. This is a fraudulent collection letter and does not belong to me. I did contact progressive management systems and filed a complaint stating this was a fraud, and they directed me to file a complaint also through CFPB debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.

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 2023-04-19
Company: Opportunity Financial, LLC
State: UT
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've gone to the company directly to fix this issue and they act as though they have no idea what I'm talking about. The dates for XXXX are incorrect. It's not a complicated fix yet they are refusing to acknowledge what the problem is and to fix it. The last reported and last payment dates are incorrect. I don't understand why this is rocket science and want it corrected. It needs to be corrected or removed per the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
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:
FRAUDULENT NAMES : XXXX XXXX, XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX XXXX NJ XXXX FOR THE ACCOUNTS I HAVE ATTACHMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX and XXXX XXXX sent me a letter of notification that they had a major data breach and my personal information was stolen and compromised. I checked all 3 of my credit reports and I discovered 2 accounts on my credit report thats fraudulent, unauthorized and not mine. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX/XXXX XXXX, XX/XX/XXXX. These 2 fraudulent accounts are the result of the XXXX XXXX data breach announced on XX/XX/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 2020-09-14
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I filed a complaint on XX/XX/2020 because my account had been closed for two months and I still had not received my funds from the account. Suntrust/Truist responded to my complaint by providing a tracking number to the check they supposedly sent out. It is a month later and I still have not received my check. They provided a tracking number which hasn't been updated since XX/XX/2020 and when I call I am still being given the run around and no one will help resolve the issue. There should not be an issue with the address on file as I have received correspondence via mail from the since filing the claim. I still however have yet to receive my check!

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 2020-09-14
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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: U.S. BANCORP
State: AR
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was getting my unemployment refund with us bank card services my money was coming to this bank bank number isXXXX Us Bank relia Card

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 2018-12-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2018. I sent {$2000.00} to XXXX through XXXX  to XXXX XXXX XXXX   powered by MoneyGram using my debit card. My relative in XXXX was not able to pick up the money due to some error on MoneyGram 's end. So the next day, I went to XXXX  located at XXXX, Washington on XX/XX/2018, to get a refund and try to send it again. I was able to get a cash refund which I sent it back immediately to the same location and person. Again the receiver was not able to pick up the money. So, I went to XXXX  located at XXXX, WA again on XX/XX/2018 to ask for a full refund. The agent at that location called MoneyGram to get a reference number so that they would refund my money back. This time the agent told me that MoneyGram claims that the money has been refunded. The agent was on the phone with MoneyGram for couple of hours. They refused to refund my money back. At the end of the conversation with MoneyGram on XX/XX/2018 that they said that they have to investigate and told me to call them back on Friday, XX/XX/2018. So, today, XX/XX/2018 I called MoneyGram back and they provided me with a reference number. So the very same day I went to XXXX  to get a refund but they couldn't refund it back to me. Again the agent at XXXX   was on the phone with the representative for MoneyGram. The representative told me that now the time for investigation is 90 days and they can not refund my money back. I have to work hard for my money. I am sending this money to my relatives so that they can have a joyful holiday. I need answers and I need my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2023-08-08
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: Was not notified of investigation status or results

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

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 2023-06-02
Company: Experian Information Solutions 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 information incorrect

Complaint:
There are inquiries place on my personal account that should be there due to the fact these are accounts associated with a business not a personal. I contacted the creditors to dispute these inquiries and they have done nothing to remove these inquiries from my personal account.

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 2020-10-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RE : XXXX XXXX Solutions account # XXXX XXXX XXXX XXXX XXXX bought a JUNK DEBT for an account I had filed not ONE, but TWO proper ID Theft reports way back in XXXX and XX/XX/XXXX FTC report # XXXX ( see attached FTC ID Theft Report ). 
About a year ago XXXX began sending me collection notices for the USAA accounts listed on my ID Theft Report. XXXX of XXXX I sent XXXX XXXX XXXX a CEASE & DESIST request. XXXX XXXX  has ignored that request. I do not owe any debt from USAA and XXXX XXXX is harassing me. I am again requesting for XXXX XXXX XXXX to Please Cease & Desist all communications, unless the communication is to inform me they will no longer attempt to collect on the illegal debt and will not attempt to resale the debt to another Junk collection agency. XXXX XXXX   does have a legal obligation to Also for them to conduct a proper investigation and provide me a report of that investigation including the steps they took to investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: AMERICAN HONDA FINANCE CORP
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:
Purchased a new XXXX XXXX XXXX fully loaded, valued at {$33000.00}. However, this vehicle was stolen from our XXXX property on XX/XX/XXXX of XXXX sometime after XXXX. The next morning at XXXX, we realized it was gone. The police were called immediately and an incident report was made. My car insurance and GAP insurance paid it off, which is why we did not make a payment. We are now on XX/XX/XXXX and this incident is still affecting my credit negatively. 

I would like my credit to be free from this negative incident, which already was taken care of by XXXX XXXX and GAP insurance. The credit bureaus should process this matter accordingly in order to remove this negative impact. 

The reason the payment were not made is for the fact that the car insurance and gap insurance was covering the total loss and paying the finance company in full. This should have never reflected as 30 days late payments in XXXX and in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2023-10-11
Company: Ridge & Valley Realty, Inc.
State: CO
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:
I provided documentation to both XXXX and XXXX regarding a collection account that XXXX XXXX XXXX XXXX turned over to XXXX XXXX for collection, which in turn filed a collection account against my credit report. The documentation includes a receipt for payment of my half ( actually more, paid {$200.00} when obligated for {$200.00} ) in the amount of {$200.00} as well as XXXX 's statement explicitly stating that XXXX XXXX, a mutual client of XXXX who sold us the dog, is obligated to pay the remaining balance. The agreement was made with XXXX prior to it providing its service and once XXXX defaulted, XXXX disregarded our agreement and wrongfully turned it over to collections against both me and my wife who never signed anything. 

Various online disputes and phone calls to both XXXX and XXXX between XXXX and XXXX have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: U.S. BANCORP
State: NE
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:
My account was debited {$400.00} on XX/XX/2020, by the card company. The reason for the debit was " XXXX XXXX XXXX XXXX '' I called on XX/XX/2020 to dispute the debit. It is now XX/XX/2020. I have wasted 10 hours in phone calls, talked to dozens of people, I have been lied to, had calls disconnected after waiting 56 minutes, and no one has done anything that I have been told would be done. It states in writing about Error reporting and resolution Procedures on the back of my statement. If it takes longer for the investigation to complete they WILL put the funds back on my account so that they would be available for me to use. That is to happen within 10 business days. I have yet to have the funds returned to me. When I call in the story changes and I am told I still  need to wait. I feel as if I have been ripped off. I do not understand how anyone can tell me about an investigation when it was reliacard who took the funds in the first place. I was told it was because they thought I had received credit for a dispute. I had never called to dispute anything until the XX/XX/2020 the debit was done 0n XX/XX/2020. That is when I had enough and decided to report the why reliacard does business. I do not believe that they can be trusted. If I had not caught this mistake I would of never been notified about it. So I wonder where all that money goes. I will escalate this to the local TV news station so I can let as many people know to watch their statements from Reliacard. By the way, after accounting STAFF balanced my account, it was found that the balance on my account is off by XXXX  dollar. If you take that time how many accounts are handeled by reliacard someone is making alot of unreported income. 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 monetary relief
Consumer complaint received 2018-08-03
Company: ENCORE CAPITAL GROUP 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:
We fell into desperate which caused us to fall behind in our bill payments impacting our credit scores to be bad. We have worked real hard to move forward in paying our Bill 's on time and have seen our scores impacted for the positive. We were shocked to find collections added to our credit file from a debt from XXXX which caused a huge drop in our scores. With this being said, creditors are maneuvering reporting just to drive our scores down and making the hard work that we have done to improve our scores to be of non effect. This should totally against the law causing middle class Americans to never get ahead. One young lady has a debt on her account from XXXX which the credit agencies refuse to move. What should be done to create a law to protect us and keep companies from using this tactic hoping for payments. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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