BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Virginia XXXX XX/XX/XXXX XXXX XXXX, Transunion and XXXX 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 : XXXX XX/XX/XXXX XXXX Mortgage XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing 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. 
My contact information is as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Virginia 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 2017-04-09
Company: Netspend Corporation
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I went to work on XX/XX/2017 like it was a normal day. Usually I have hectic mornings being I am a single mother of XXXX kids that I deal with in the mornings which can be very chaotic at times. When I got off at XXXX I did my usual and picked up all XXXX of my kids by the time I got home it was about XXXX, I started looking for my debit card and could not find it, because I switch purses a lot I tried to not think the worst so to give myself peace of mind I went online to confirm my balance because I had just got my income tax refund, also I had just went to jack in the box around XXXX so I was n't to concerned I was being real careful on how I spend it because I am dealing with foreclosure and that 's when my current nightmare began my balance went from XXXX $ to {$1000.00}. I immediately called my bank and of course it was not open so I canceled card thru the automated system. The next morning I did n't even go to work I went to one of the XXXX these people went to and waited all day for a officer that finally arrive by XXXX or so and took my statement. He stated the people went to so many XXXX most of them was from XXXX County. I have submitted my proof of Police report and Proof of me being at work and they are still not willing to refund my money. They said because these people used my pin and went to al the stores I have been to that there are no errors found, I have spoken to Agents and Supervisors and everyone is not willing to make this right. Can you please tell me what I need to do to get some justice thats a lot of money and I need to give that to my mortgage company I been unemployed since XX/XX/XXXX and started working for XXXX XX/XX/XXXX of this year and I did n't deserve this and now I see no hope in getting Any of my money back. This cant be legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: PA
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:
Hello I went to a few car dealerships this past year and there were multiple times I did not even give them permission to run my credit yet and I came out of there with like 20 hard inquiries, multiple different times, which is not allowed. In addition to this, some of these dealerships seem to still have my information or something because random new hard inquiries will pop up on my report when I am not applying. I need these unauthorized hard inquiries removed immediately as per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
this company closed my account stating that i abused the account due to making payments but also reporting late when this account is close.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Integrated Asset Recovery LLC
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: Old information reappears or never goes away

Complaint:
I have a fraudulent debt from XXXX when my identity was stolen at XXXX XXXX XXXX, that i was taken to court on in XXXX, that the creditor didnt show up to, and this was dismissed, its been 10 years, but this is still destroying my credit, the creditor refuses to remove this and they constantly harass me from XXXX every day

Company response to consumer: Untimely response
Consumer complaint received 2021-02-11
Company: XOOM CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
My Employer sent my salary last Friday XX/XX/2021, up until now Xoom failed to deposit the amount tgat usually takes 3 hours to deposit. They said they are upgrading their system. But who is upgrading their system for almost a week now. My employer is trying to call them like a hundred of times already but nobody answers. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 disputed this information in XXXX of XXXX was a victim of the XXXX XXXX breach and the XXXX XXXX  breach and my personal information has been used without my authorization. This resulted in harassment and XXXX and false or misleading representation which is in violation of Fair Debt Collection Practices Act Sections 806, 807, 809, and 812. The incorrect information is still showing up on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
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: Report provided to employer without your written authorization

Complaint:
I noticed UNAUTHORIZED INQUIRIES on my credit report. Someone else applied in my name According to the FCRA, these unverified and unauthorized inquiries must be remove.

CREDIT BUREAU : EQUIFAX CREDETOR NAME : GUARANTEE LOAN SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I want to send money from my PNC checking account internationally using the service XXXX ( XXXX ). I was able to create XXXX account, but I could not link my PNC account with it, indicating PNC does not support it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I had a student loan and began XXXX XXXX for HVAC to begin a career in XXXX. We were expecting a child. My Girlfriend XXXX XXXX XXXX XXXX XXXX XXXX. I had to adapt to provide and care for My Daughter. That was the reason for that time frame of neglect. They took My Federal Taxes to pay this. Several years of this and its paid. XXXX I had received most of my Fed Taxes. XXXX All of My Fed Taxes. Now that 12 years later, I've worked hard to rebuild a life, these marks effect me and my family growth. 
over the years I have attempted to resolve this with them on the phone and disputes. I get a run around. I have 1 student loan and they made 4 damaging marks from it. all bearing same account number. I have to mention that I feel attacked by them from this. For years I paid thousands and thousands from my federal taxes and they still show up I owe? docent seem right. People in these situations are down. They know that. But, I never gave permission/agreed to open one or multiple improper accounts bearing my name and info. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C.1681 section 602a states I have rights to privacy.

15 U.S.C. 1681section 604 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


( the account # s were from my report printed out and showed the XX at end. provided by XXXX. ) Account name U S DEPT OF EDXXXX Account number XXXX Balance {$8600.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA 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 2022-03-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax has fail to report dispute results to me in the 30 to 45 day time frame. They have violated the Fair Credit Reporting Act.. I send letters on XX/XX/2022 that they have recieved and still haven't received feedback or any results in the the mail. I have recently sent them a letter regards these concerns. 

XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX. 
XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
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:
I was told by a customer service agent that I needed a copy of the police report in order to have this account blocked from my report- I 've provided that numerous times and it is still showing on my report. Please block this creditor ; I 've been telling XXXX for nearly three years now that it does 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 2022-09-02
Company: EQUIFAX, INC.
State: MD
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:
I had a student loan and began XXXX XXXX for HVAC to begin a career in XXXX. We were expecting a child. My Girlfriend XXXX XXXX XXXX XXXX XXXX XXXX. I had to adapt to provide and care for My Daughter. That was the reason for that time frame of neglect. They took My Federal Taxes to pay this. Several years of this and its paid. XXXX I had received most of my Fed Taxes. XXXX All of My Fed Taxes. Now that 12 years later, I've worked hard to rebuild a life, these marks effect me and my family growth. 
over the years I have attempted to resolve this with them on the phone and disputes. I get a run around. I have 1 student loan and they made 4 damaging marks from it. all bearing same account number. I have to mention that I feel attacked by them from this. For years I paid thousands and thousands from my federal taxes and they still show up I owe? docent seem right. People in these situations are down. They know that. But, I never gave permission/agreed to open one or multiple improper accounts bearing my name and info. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C.1681 section 602a states I have rights to privacy.

15 U.S.C. 1681section 604 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


( the account # s were from my report printed out and showed the XX at end. provided by XXXX. ) Account name U S DEPT OF ED/XXXX Account number XXXX Balance {$8600.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In early XXXX of this year, I arranged to sublet an apartment in New York from XXXX XXXX, which involved a digital payment of the {$2500.00} deposit. We discussed whether to transfer those funds through XXXX or Venmo, and XXXX indicated that he highly preferred that I use Venmo. I would have preferred to use XXXX because it is integrated into my financial institution 's website, XXXX 

However, I agreed to make the transfer through Venmo, and paid {$2500.00} on XX/XX/XXXX. However, I had inadvertently marked the payment as being " for goods and services. '' XXXX objected to that, because Venmo would take a fee out and because that designation might have tax ramifications for him. So he contacted Venmo and arranged to refund the money, and I agreed to send him the same amount through XXXX. 

On that day, XX/XX/XXXX, Venmo told XXXX that they had issued me a refund, and that I would get the refund in 3 to 5 days. However, it is now 16 days later and despite hours of efforts on my part, the money still has not been returned to my account. 

Most recently, on Friday, XX/XX/XXXX, after having sent Venmo a copy of my most recent bank statement AND several pages of screenshots, I received an email telling me that my case was " being escalated to an Account Specialist who handles these issues. Someone from that team will reach out with the next steps within 7-10 business days via email. '' I wrote back and indicated that this was not acceptable, and haven't heard anything since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: NV
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 IS FALSLY REPORTING AN ACCOUNT FROM XXXX SUPPOSEDLY FOR XXXX XXXXIN THE AMOUNT OF {$620.00} DOLLARS SO I AM REQUESTING A VALIDATION OF THIS ACCOUNT IN WRITING, WHICH I AM ENTITLED TO ACCORDING TO THE FCRA IN A TIMELY MANNER. PLEASE SHOW ME THE DATE THAT THE ACCOUNT WAS FIRST DEFAULTED ON, TO MAKE SURE THAT YOU ARE NOT REAGING SOMETHING ELSE. I AM ON SSDI SO MY INCOME IS FEDERALLY PROTECTED.

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 2017-06-13
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have, on several occasions, attempted to contact Equifax in regards to a debt in the amount of XXXX they claim that I owe. I have sent 3 letters to date with absolutely no response from them. At this point I want the debt removed without question because the refuse to send original documentation with any original signatures that validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax solicited my information and then it was stolen and 3 board members profited from this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax handled my data poorly and leaked it by having poor security. I verified this via their website : https : //www.equifaxsecurity2017.com

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: Phoenix Financial Services LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had called a number back on my phone, thinking it was my health insurance company, but it was actually Phoenix Financial Services LLC, which they did not tell me until a couple minutes into talking. The man on the phone on XXXX/XXXX/XXXX said that I had a medical debt of {$560.00} that they were trying to collect on from XXXX Kansas XXXX XXXX XXXX. He told me that the XXXX was willing to take {$400.00} over 4 months. I know now that it had been on my credit report for so long that it 's closed on the report and has been for a while. I asked him at the time what would happen if I just did n't pay such an old bill now because I really ca n't afford another payment to someone now. He said that my XXXX XXXX would just keep going down XXXX it 's been going up, actually XXXX, which I take to be him threatening to XXXX up my XXXX XXXX. I told him that I would have to review my finances and get in contact with them in a week. In this time I received XXXX call on the XXXX, XXXX, XXXX ( called them back for initial conversation, at this point I let them know I will get back to them in a week ). I sent them an email letting them know that either the amount would have to be lower, or it needs to be paid over longer than 4 months. I received a call on the XXXX in reply that they would be willing to extend it just XXXX month and have me pay {$25.00}, {$25.00}, {$100.00}, {$120.00}, {$120.00} over that time. I did agree to this, but it 's weird, because this time the same man told me this was up to his boss, when earlier it was the hospital that supposedly said they would take {$400.00}. It 's deceptive in my opinion, because the hospital would n't even return a call about them, it 's obviously not in their hands anymore, so I do n't know why he initially externalized who the responsible party was. I agreed to send the first {$25.00} on XXXX ( today, which I have not sent as of writing this ). Today at XXXX pm I received a call with " XXXX XXXX ID. '' I assume this is probably the company trying to harass me without me having a way to call the number back. 

I do n't know if this is even a debt I 'm still required to pay because the last time I even heard anything it was from a different debt collection company years ago. If the account is closed, how can they threaten to destroy my credit? I took that hit to my score once already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have sent this company numerous emails with the information that was requested after talking with the cards customer service reps. They said there is nothing they can do at all on their side. Ive sent emails since XXXX XXXX of 2019 with my information. I hated doing this so unsecure, XXXX the asked for a copy of my DL and SS card with paystub ... I never received any formal request at all or even in the mail. They just denied me all access to my account on line and all the funds I had on the account. They still have not got back to me..I will be closing this my vanilla card and never using it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XX/XX/2017 I am being hit with a hard inquiry from XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't transunion and XXXX were also gon na remove it but still have yet to do so.

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 2017-08-26
Company: Receivable Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX XXXX of North Georgia XXXX, accepted care of my son with payment being split 50-50 % by my ex-wife and me. My half was paid-in-full, but my ex-wife refused to finish her half of the payment. She sited that the XXXX initially over-exaggerated the supplemental care for my son to charge for services that were not rendered. Subsequently, she stopped payment, the doc released my son from care, and placed balance on my credit report as she was out-of-state and unreachable for collection of her debt. During my XX/XX/XXXX-XX/XX/XXXX bankruptcy, I placed the debt for the XXXX 's bill in with the rest of my creditors. It has now come to my attention that the XXXX has re-submitted the debt under his name of XXXX XXXX XXXX to circumvent the system and collect on a discharged debt.

Company response to consumer: Closed with explanation