BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: EQUIFAX, 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:
Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When I tried for Auto Loan in the month of XXXX received in correct or completely controversial or denial from most of the Credit union. The Credit Union did not update my personal information or lack of my information in their data base. This is due to the Credit Union anticipate / pay XXXX $ each month to update my information or might be provided in appropriate information about my Credit-ability. This Approach from all the Credit union made me fatigue because I have been paying my Credit card payments, Auto Loan and other Utility Bills in time without default even after voluntarily contact some of the Credit union like XXXX, Trans union did not provide right Credit ability or the report varies from one Credit union to others. At last XXXX provided me a report that shows I am victim of identity theft and hence agencies place " fraud alerts '' in my file Who is responsible for this? Now a days there are significantly increasing Cyber Crime and could you please investigate on my behalf and take Stringent Action against the Fraudulent who theft my Personal information. I hereby Authorize to take necessary Action against Fraudulent.

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 2022-09-05
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:
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. I am tired of sending dispute letters to Equifax requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: CORELOGIC 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:
Company was contacted personally. Discussed that permissions to conduct credit reports were not provided. Company disclosed a solicitation call was conducted.     I reinforced the issue requesting the inquires are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
Dear CFPB commissioner, I have contacted you in reference to matter that involves consumer financial protection and the matter of a money order purchased via the MoneyGram company as sold by Walmart. The money order, which is a matter of question involving the late date at which it is being transacted is a matter the company states that they readily resolve and, possibly, with penalty. given the MoneyGram company 's policy, I submitted the information to the company and have anticipated a response from MoneyGram company. <P/>I have waited nearly 15 days, far more than the standard 5 to 7 working days for this matter to be resolved by MoneyGram to no avail. <P/>I have corresponded with MoneyGram to provide proper information, email information though the MoneyGram company has not responded in any manner. <P/>I have forwarded this message to the MoneyGram company and am now awaiting their reply. <P/>in the event that the MoneyGram company has elected to avoid correspondence with me for any reason, I write to you to request your suggestions and to access information in reference to my legal alternatives. <P/>I have a number of creditors and continue to tender debts that are due. I do, however, anticipate tat the MoneyGram company does not engage in policing nor debt collecting for other companies. <P/>I await the response of the Treasury Department in anticipation of lawful remediation prior to looking into resolution by means of any legal recourse. ____ Dear MoneyGram customer Service Representative, In the last few weeks I have made a report to MoneyGram in reference to a MoneyGram order that had been returned to me after it failed to be negotiated. More recently, I corresponded with MoneyGram customer service via WalMArt customer service and Money services. During that time, I was instructed to provide information to MoneyGram in reference to the monety order. <P/>I made an online report to MoneyGram on or near XX/XX/XXXX and XXXX, 2017. <P/>Since that time, I have awaited a reply from the MoneyGram company to no avail. <P/>I write to you to inquire with you as to the actions that may have been or that are expected to be taken by MoneyGram. to respond by forwarding the remaining balance of the money order If there is any further information or any problem that you may need assistance with, I have, also, provided an email address to which your representative may write with an inquiry or information. <P/>I would urgently like to resolve this matter. Email XXXX XXXX Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted the company on multiple occasions. They told me that the addresses were going to be removed but they still show up. My only name is XXXX XXXX. It should only be one name. My address has always been XXXX XXXX XXXX XXXX, XXXX, FL XXXX. No other address should be on there. I am DEMANDING this information be corrected.

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 2022-03-09
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2021-05-27
Company: AMERICAN EXPRESS COMPANY
State: DC
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:
The current balance is incorrect pursuant to the Credit CARD Act of 2009, I didn't opt in the over the credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
- I opened a Wells Fargo Everyday Checking account on  XXXX   XXXX ,  2017  online and was told that I am eligible to receive a {$250.00} bonus once I complete a set of activities within 60 days of opening the account.   - I completed all the required activities within 30 days of opening the account. ( I can provide my account statement if required ).   
- When I contacted the company I was told that it may tak  e more than 45 days to post the bonus after completing the activities. It has been more than 45 days but I am yet to receive the bonus.   - When I contacted wells fargo again I was told that they would investigate and send me a the details within 14 days. It has been more than 14 days and I have n't received any response from wells fargo.   - I am attaching the email which I received when I opened the account. Please let me know if additional documents are required.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Account XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-06-26
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried disputing this debt numerous times, because I do n't have a contract with them and they are continuing to come back verified and then I went on the Florida Office of Financial Regulations website and saw that this collections agency 's license has been Expired since XX/XX/2000 and they are continuing to report this debt that has been on my reports for over 3 years now. I am not even sure is mine, I know I do n't have a contract with them, and I want it taken off my credit reports. They are not licensed to collect in the State of Florida with Expired license but they are blocking my credit rating and it is very hard getting a house with collections on your reports ... Thank you for your help and your time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Last week I received a cashier 's check ( issued from XXXX XXXX ' XXXX XXXX out of North Carolina ) in the amount of {$1800.00} as payment for some furniture I was selling. However, the furniture sale price was only {$140.00}. I did not know the person as I sold the couch via the XXXX mobile app. They informed me that they were out of town and buying the couch for a relative. I deposited the cashier 's check via Chase 's mobile app, but it was pending for a few days. I eventually called Chase and they contacted the credit union who issued the check. They confirmed the funds and released them to me and it posted to my account. I was then instructed to take the remaining {$1700.00} and deposit it into their XXXX XXXX XXXX account for the movers. I had the teller verify the account name and number beforehand. On Monday, XX/XX/17, the {$1800.00} had been returned as the check ended up being fraudulent. Therefore, I had {$1700.00} stolen from me. The name of the remitter on the check was XXXX XXXX XXXX. However, they went under two different names ( on the XXXX XXXX XXXX account and XXXX app ). I have already reached out to Chase, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX and have received no resolution. I also filed a police report with the XXXX County Sheriff 's office here in Florida. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: AMERICAN EXPRESS COMPANY
State: OR
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:
In XXXX I contacted Amex to help enroll me into the XXXX XXXX XXXX. Originally I was approved and they were going to set me up on a 12 month plan for reduced payments and I agreed. They said my account would be updated and I would see the lowered payment and begin in XXXX. That never happened and my account went past due. I called about 15 times over the last month and I either was hung up on or the call mysteriously was dropped. I never received a call back and when I escalated the situation I finally got someone who let me know their was a technical issue on Amex 's side. I had them agree on a recorded line they would not submit me to a credit agency or negatively affect my account while the issue is being resolved. They agreed on a recorded line and made notes according to the agent. Today XX/XX/21 I recieved notification from my credit reporting tool that negative info was placed by Amex. I always let Amex know I needed temproray help and this reduced payment could and would be made if they allowed. They never did. I also let them know after I lost my job, I had retained employement and would be able to get back to paying the card as before and cleaing the balance monthly as required by terms and agreement. Amex has created this issue and provided no support and then submitted the past due that was created by their issue after agreeing on a recorded line they would not. I am now employed and will pay the card off but need Amex to remove the info as agreed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-21
Company: Louisiana Recovery Services Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
upon reviewing my credit report, XXXX and XXXX, I found numerous instances of collection companies not licensed in my state, trying to collect and reporting on my credit file. I am a resident in Arkansas and have been for the last XXXX years. I have also asked for validation of these debts from them 2 times, from XXXX and XXXX, and I have never recievced any documents from them verifying that the debt is in fact mine. XXXX has deleted these accounts from their report, stating that they could not verify them.

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 2019-11-30
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was browsing the Internet for a monetary exchange for an in game currency called coins and I came across this guy. After a short chat he seemed trust worthy and wished to exchange XXXX XXXX coins for {$100.00} ( 99 euro ) and I sent it to him using goods and services on PayPal ( offers buyer protection ). He told me that I needed to send it over Friends and Family ( no protection ) because there was some kind of hold on his money so I did because I have never had any problems with sellers in the past. So I sent 3 payments, XXXX, XXXX, and XXXX and after Id sent them, he kept stalling and did eventually ceased contact with me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09
Company: Experian Information Solutions 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 convergent accounts # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  bank # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX bank XXXX XXXXi # XXXX XXXX bank XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX 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.

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 2021-04-17
Company: Experian Information Solutions Inc.
State: IL
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:
My mortgage was in forebarence due to COVID from XXXX at which time my mortgage was transferred to another lender. Home point financial reported to the credit bureau that I was late on my mortgage for the following months : XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX which were protected under the forebarence not to be reported as late

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 2022-09-05
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, 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. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXX Late Date XX/XX/XXXX

Company response to consumer: Closed with explanation