BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
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:
Someone has used my information for XXXX XXXX. I've been paying it to keep from getting a negative mark on my credit. But I was XXXX during the time the account was set up. 

XXXX XXXX - Balance {$8100.00} Credit limit {$9800.00}

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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 agencies listed below, has violated my rights. 

XXXX XXXX XXXX ( ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX ( ACCOUNT # XXXX ) XXXX XXXX  ( ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX ( ACCOUNT # XXXX ) 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

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 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My identity has been compromised by a number of sources, but the main reason is the lost of my wallet. This lead to being a victim of the dark web as well as being caught in the XXXX breach. Now the result of all this is unknown and fraudulent accounts appearing and reporting on my credit file. I'm demanding these accounts to be removed immediately. 

1 ) XXXX XXXX  {$110.00} 2 ) XXXX XXXX  {$160.00} 3 ) XXXX XXXX   {$310.00} 4 ) XXXX XXXX  {$730.00} 5 ) XXXX XXXX {$60.00} 6 )  XXXX  {$1000.00} 7 ) XXXX XXXX XXXX {$300.00} 8 )  XXXX XXXX {$790.00} 9 ) XXXX XXXX {$790.00} 10 ) XXXX XXXX XXXX {$300.00} 11 ) XXXX XXXX XXXX   {$300.00} 12 ) XXXX XXXX {$790.00} 13 ) XXXX XXXX {$500.00} 14 )  XXXX XXXX {$500.00}

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 explanation
Consumer complaint received 2016-08-23
Company: Webcollex, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a phone call ( on my cell phone ) stating they wanted to serve me with papers and were confirming my address. They acted as if they were a process server. They then called from the same number XXXX XXXX XXXX XXXX and stated they were a debt collect via leaving a message on my voicemail. They told me to call back XXXX. They stated they were with CKS Financial. I believe they use a fake local number so that I would answer their call. I do n't owe them any money and they should n't be calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
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 open an account with bank America and closed the account the same year but on there they had reported it as fraud act which never happen. Yes I owed funds but never any fraudulent act in which is being reported on my credit file and isnt allowing me to get a bank account or business account for my company. Ive paid off the amount old as I have a receipt from the bank when I went to pay the balance. But Im still getting reports that there is a fraud being showing to other bank, I would like to please remove that as Im getting frustrated and would be taking legal actions if this dont get taken care of by end of month.

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 2020-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Back on XX/XX/2020 I purchase a DNA Health kit from XXXX on my Capital One Credit card. XXXX had issues in the system and the system double charged me. After long issues and waiting they got me my refund for the extra charge. I then waited almost another month before remembering I didn't get my DNA kit because XXXX attempted to charge my credit card yet again for a membership to go with the kit and the results. Well, I hadn't gotten the kit yet. I then reach out to XXXX about the issues and tell them to stop charging my card and get me a refund. After a long period of time they do. ( XX/XX/2020 XXXX - XXXX {$110.00} Provided by XXXX ) I don't pay attention to it until today XX/XX/2020 when I notice I still haven't gotten it. I call XXXX who gives me the XXXX and attempts to wash their hands of it saying my bank has it on hold. Capital One refused a Supervisor and has charged me interest on this missing money. They refuse to do anything other than saying " Call back again tomorrow and maybe you will catch someone who can see that. '' When did processing transactions become the consumer 's problem?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06
Company: U.S. BANCORP
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
I applied for the U.S. Bank FlexPerks Travel Rewards Visa Card during their XXXX Visa XXXX Bonus FlexPoints promotional offer, which was for a bonus XXXX " FlexPoints ''. The only requirements to meet this bonus were to open the account before XX/XX/XXXX and make one purchase by XX/XX/2016. After allowing the 6-8 weeks stated in the terms and conditions for the bonus points to be credited and still not having received them, I followed up with U.S. Bank on the status of my bonus points. They stated that they needed more documentation from me requesting verification of the promotion in question. On XX/XX/XXXX, I faxed in all of their requested documentation, as well as my backup documents showing I had met the requirements outlined in the terms and conditions of the offer to receive the bonus. After following up again about the status of my bonus points on XX/XX/XXXX by phone, a supervisor named XXXX stated that U.S. Bank would not be able to credit me the XXXX " FlexPoints '' because I had used the wrong application link when applying for the card. This is simply factually not true, as I had even gone the length of capturing the webpage I had used to apply, proving it. This screen capture was also included in the documentation I had faxed on XX/XX/XXXX. I have attached all of our written correspondence, including the documentation I had faxed, which clearly shows I : 1. Applied using the correct link ; 2. Satisfied all requirements to receive the bonus points ; 3. Gave sufficient opportunity to resolve the issue timely and amicably.

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 2023-01-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this account does not belong to me they keep placing an accurate information on 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 non-monetary relief
Consumer complaint received 2020-08-11
Company: T.S. Holdings
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
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 a XXXX collection agency on my credit profile. This account has been released back to the original debtor in XX/XX/2019. Sent information to equifax that this account is now released back to the original debtor. However, until now this has not been updated. It shows that it is still open and unpaid. I have been with equifax almost everyday for the past month trying to fix this information but they still keep passing me around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions 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, the following accounts has violated my rights to privacy, I have sent EXPERIAN XXXX letters in regards to the following accounts and have also stated the violations that they are in, EXPERIAN has removed accounts without my consent that I did not DISPUTE which has caused continued hardship TO ME AND MY CHILDRENS MODE OF LIVING and my credit score has dropped even more. PLEASE HAVE EXPERIAN DELETE THESE ACCOUNTS AS IT IS A VIOLATION OF MY RIGHTS. 

15 USC 1681 ( a ) - a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681 ( a ) ( 2 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

THESE ARE THE ACCOUNTS IN DISPUTE : XXXX XXXX XXXX  XX/XX/XXXX - # XXXX XXXX XXXX XXXX  XX/XX/XXXX - # XXXX XXXX XXXX XXXX  XX/XX/XXXX - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - # XXXX XXXX XXXX XX/XX/XXXX - # XXXX US Dept of Ed XX/XX/XXXX - # XXXX US Dept of EdXXXX XX/XX/XXXX - # XXXX I did not GIVE my explicit written permission to EXPERIAN to report any NON PUBLIC INFORMATION, You have taken my information and compiled a file that is supposed to represent me and that is alleged IDENTITY THEFT.

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 2017-02-19
Company: Crow Creek Sioux Tribe
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed {$1200.00}. to help with funeral expenses for my mother. I was not informed of the 600 % plus interest rate on the loan. To date they have deducted {$2100.00} from my account and seek a repayment amount of {$7200.00} on a {$1200.00} loan. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. I was emailed a disclosure to sign and that my signature would transfer to the loan agreement upon signing. I was able view the agreement with my signature after the funds were in my acct. I 've attempted to pay the full balance but was quoted an even larger immediate payoff than discussed. I later discovered that Myloansite.com is an affiliate of Dakota which operates its website at [ myloansite.com ]. Dakota 's lists its contact information as : MyLoanSite.com XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone : XXXX Email : XXXX XXXXXXXXXXXX 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 2016-04-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently pulled my credit report from Equifax and noticed the following accounts were listed on my reports as a collection/chargeoff. I immediately disputed this information with Equifax and the results of the investigation came back as " verified ''. I did not have an account with any of these companies during this time period. All of these companies incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. With Equifax continuing reporting this account as negative on my credit report it makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless these debts are immediately removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is to follow up any response from you after XXXX days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. Please conduct another investigation to the information and send me the notification that the disputed item has been updated. 

XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/20

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 2022-08-18
Company: I.C. System, 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:
In accordance with the Fair Credit Reporting act 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

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 2020-08-11
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
My brother used Western Union in XXXX MT to transfer {$4000.00} to me on XX/XX/2020. This was due to me being stuck in XXXX since XXXX while on vacation there, because of the Corona virus and travel ban. 
The problem is with the conversion rate used by WU in MT. They used a rate of XXXX XXXX baht to {$1.00}. The real rate over the entire year of 2020 never dipped below XXXX thb to {$1.00}. The rate for the week of XXXX was XXXX to XXXX. I did another transaction the same day at the same WU branch in XXXX on XX/XX/2020 and the rate for this was XXXX to XXXX! This deficit caused me to receive XXXX thb instead of XXXX, which meant a difference of over {$500.00}! 
I have reported this and complained to WU headquarters, which denied responsibility as well as the XXXX police department but nobody has taken any action. I have records of all this for your convenience and this evidence backs up my complaint about financial fraud by Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
hard credit inquiries that i did n't submit XXXX XXXX BANK XXXXXX/XX/XXXX XXXX, XXXX XXXX BANK XXXX XXXX, 2015 XXXX XXXX BANK XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXX XXXX BANK XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Clothing Stores XXXX BANKXX/XX/XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX BANKXX/XX/XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XX/XX/XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX BANKXX/XX/XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXX XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXXPersonal Loans Cos. 
XXXX XXXX IXX/XX/XXXX XXXX, XX/XX/XXXXMiscellaneousTelephone Companies XXXXXX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXAll Banks XXXXXX/XX/XXXX XXXX, XXXX XXXX, XXXXMail Order Firms XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX shows incorrect information on my Transunion and XXXX reports. On my XXXX  Loans they show I have 7 Loans but I only have 5 loans which I verfied on FSA. Both agencies have the same loan on my report 3x. I have filed a dispute more then once regarding such yet it is still not accurate. Also some of. the XXXX Loans are 12 years old and still showing on my report as a negative mark. Yet my reports show my oldest account only being 5 months old. Therefore ensuring said accounts only hurt my score. Also my score has been brought down over XXXX points since XXXX due to none payments on my XXXX  Loans. Yet all XXXX loans have been placed on hold since XX/XX/XXXX of XXXX and continue till XX/XX/XXXX, which is still three months away. When they failed to correct such through the online disputes I attempted to contact the agencies via telephone. During the call I was informed the call may be recorded on their end yet when I informed the agencie I was also recording even though in my State of Missouri I did not have to, they refused to speak with me and hung up on 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 non-monetary relief
Consumer complaint received 2016-12-20
Company: Alabama Housing Finance Authority
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Servisolutions refused a payment a month late, stating that our contract forbids anything but complete up-to-date payments ( so after 30 days, we needed to pay two full months, not one month behind ). There is nothing in our contract that states this. As we began to see we could not catch up, we contacted a counseling service which advised that we send a certified XXXX request, which by law they are required to accommodate. The company refused to set up a meeting and called us to yell at us that it would be a waste of time because our contract forbids any modifications. They also said, without notifying us first, that they had already started the foreclosure process and requested our initiating mortgage broker to take back our loan. We are now 5 months behind, they will not accept any payment that is not all 5 months in full, and our credit is destroyed. NOTHING in the copy of the contract that we have says they had to do this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  and Account # 's XXXX XXXXXXXX XXXX XXXX XXXX Has violated my rights 15 U.S. Code 1681 Section 602 A. States I have the right to privacy 15 U.S. Code 1681 Section 604 A. Section 2 States that a consumer reporting agency can not furnish an account without my written instructions

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 2022-05-18
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX account number # # # # # # XXXX, XXXX XXXX XXXX account number 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

Company response to consumer: Closed with explanation