BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Bank ), has violated my rights. 
XXXX XXXX ( Bank ), has violated my rights. 
XXXX XXXX ( Finance ), has violated my rights. 
XXXX XXXX XXXX  ( Finance ), has violated my rights. 
XXXX XXXX XXXX Auto ), has violated rights. 
XXXX XXXX XXXX XXXX ( Auto ), has violated my rights. 
XXXX XXXX XXXX ( Bank ), has violated my rights. 
XXXX XXXX XXXX XXXX ( Auto ), has violated my rights. 
XXXX XXXX ( Finance ), has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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:
After careful review of my most updated consumer report, I have noticed that there are fraud accounts that still appear on my credit report after reaching out to the consumer reporting agency several times and providing all FTA affidavts and documents. I was informed that an alleged investigation would be performed.

My consumer rights have been violated and I would like this matter reinvestigated as soon as possible.

Within this complaint you will find all documents that were sent several times to have this matter addressed.

FTC, ID

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
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: Reporting company used your report improperly

Complaint:
As a Consumer thats protected by FDCPA this request is to removed the following inquiries/accounts on my Consumer Report for I have not given my consent to furnish this on my Consumer Report per 15 USC 1681 ( B ). And I am also exercising my right to privacy under 15 USC 1681 ( A ) ( 4 ). Reporting this information on my Consumer Report is also a Violation of 15 USC 6802 ( B ) 1 ( A ), ( B ), ( C ) I was never given the opportunity from your agency to have my personal information block from being expose. Below you will find a list of inquiries/accounts I would like deleted from my Consumer Report ; Collection Accounts : XXXX XXXX  Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1800.00} Reporting on ; XXXX XXXX XXXX Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$730.00} Reporting on ; XXXX XXXX XXXX XXXX Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$84.00} Reporting on XXXX XXXX/EQUIFAX XXXX XXXX  Account Number : XXXX Collection Opened XXXX XX/XX/XXXX Balance : {$680.00} Reporting on ; XXXX/EQUIFAX INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX EQUIFAX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Name : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against them if they do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted/correct from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-27
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Netcredit is chargeing 99.98 % interest rate on a {$1500.00} online loan. I was told the cap in Louisiana is 12 % to 36 %. I have been making payments since XX/XX/ and the balance is still {$1500.00}. Nothing has been applied to my principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 an account without my written instructions XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX  {$660.00}, XXXX XXXX XXXX  {$590.00}

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 2023-08-18
Company: Experian Information Solutions 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:
On XX/XX/XXXX I sent XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in regard to a XXXX Late Payment notifying them their records were incorrect and asked them to remove the negative reporting from my credit accounts. I sent them proof of payment from my bank and to date they have still not removed the negative mark on my account despite my disputes.

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 2023-01-26
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Took out a car loan with credit acceptance car loan and it was supposed to be low payments as my credit score was in mid XXXX. But I found out my payments were {$850.00} a month. Making it impossible to pay. 
They didn't provide paperwork. 
I lost work due to covid and unable to make {$850.00} payments. And this has now dropped my score below 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 2019-05-28
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:
I have recently been informed that there is negative information reported by US Bankruptcy Court Il XXXX in my file maintained under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX Chapter XXXX Bankruptcy Reference # XXXX. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with US Bankruptcy Court Il XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.Privacy Protection for Filings Made with the Court ( a ) REDACTED FILINGS. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number. I have also included documents for the courts to show they do not report any information to the credit bureaus where you claimed the information was verified.

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 2022-08-22
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received an email notification from PayPal on XX/XX/XXXX that my credit card had been removed from my account profile and a new phone number added. I immediately notified PayPal that I did not make those changes and the account has apparently been hacked. Since I've never ever used this service and have no credit or revenue associated with it, I requested to close the account effective immediately ( I did however change my password ). PayPal advised me to leave the account open for future use since it doesn't cost me any money to do so. I again told them that I wish to close the account. Turns out they won't let me close the account without sending them a photo ID, my home address and my social security number. Since this information was not required to establish my account, I am not comfortable sending sensitive personal information to execute this request. I even gave them the full name and contact info of the fraudster who hacked the account, and PayPal even began corresponding with him. This puts me at great risk each day they refuse to allow me to close this account, and I'm looking for a way to resolve this situation. I've attached my email correspondence with them since XX/XX/XXXX, my comments appear in blue. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: Google Compare Credit Cards Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
someone used my debit card and subscribed to Google and buy things and I have reported serveral times that I needed a refund as my card was compromised and they have not said anything yet. This is fraud Here is my claim number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: TX
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 am showing to have a Bankruptcy on my Public Record and upon my follow up with the courts I was provided the attached letter that states that this should not be the case.

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 2023-10-16
Company: EQUIFAX, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/ tried to log into my Experion account. I forgot password so asked for password reset. Provided information never received promised email with reset instructions. Tried calling Experion XXXX number XXXX XXXX XXXX XXXX. Answered questions name address zip code soc sec number. Never received email with reset instructions. Downloaded the Experian android app asked for reset said no available try later. DID NOT have issues with XXXX or XXXX. Unfortunately need to lift freeze on Experian 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 2022-11-26
Company: Experian Information Solutions Inc.
State: NJ
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 appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed this account which does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX Balance : {$420.00}.

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 2022-06-06
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I am writing to explain the details of my communication with Moneygram since doing the transaction on XX/XX/21. 
On XX/XX/21, I used the moneygram app to send {$2400.00} to my mother, in XXXX to cover her health insurance. The money gram gave me the option to pay it into her XX/XX/XXXX bank account and on doing so, informed me that the transaction was successful and complete. It gave a reference for the completed transaction. However on my mothers end the money never showed up. On waiting for a week I called moneygram and they said they would start an investigation that can take up to 90 days. I would frequently call to check on any progress and after being put on hold for at least an hour or more would always be told they are still investigating and not to call but wait for an email.I was not allowed to talk to anyone in the investigation department, it would always be customer service that would have no further information and would rudely say you need to wait the 90 days, why are you calling I finally did hear back from them end of XXXX and was informed by email that the money did reach my mothers bank account although delayed and they would return back the {$1.00} transaction fee. On checking with my mother, the money was still not in her bank account. 
I called moneygram back and they said they would start another investigation, which could take up to 90 days again. 
In the meantime my mother went to her bank, XXXX XXXX and was told they do not accept money directly from moneygram and it usually goes through a smaller bank that then sends it to them. The bank confirmed that the money was never received. 
I continued to call moneygram to be told its under investigation but the last time I called I was told they had no information on me or the transaction. After going through a lot of departments and managers. I was told my account had been closed and there was no explanation on why. Finally I was told they would investigate and send me an email in 2-3 days on why the account was closed. It had been over a month and I was still to hear from them. I called them back today and was told my account was closed because I had gone to my financial institution XXXX XXXX XXXX XXXX Bank ) and should now communicate with them and get the money off them. XXXX & XXXX were not able to help me. 
It has been very frustrating and upsetting as this money was really very important for my mothers health and having had the run around for over 6 months has been overwhelming. It is not a small amount of money that can just be ignored, moneygram must be held responsible for it and not be able to just wash their hands of it. 
Please find enclosed the receipt of the moneygram transaction as well as a bank statement from my mothers XXXX XXXX bank showing the money was never received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: SC
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:
I have inquiries on my credit report that I didn't authorized and unaware of. 

XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-11-28
Company: CCS Financial Services, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FDCPA, FCRA, GLB Act, IRS violations committed against me. Please see attachments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation