BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting 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 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 an 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 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 2022-08-21
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On or around XX/XX/2021, my account at Western Union was breached and XXXX unauthorized transactions were made to XXXX from my bank account, via Western Union without my permission or knowledge. 

On checking my bank account, I realized the transactions were fraudulent and not authorized by me, so I contacted both my bank, XXXX XXXX and Western Union to inform them of the situation. Both of these agencies acknowledged there was fraud committed with respect to my account at Western Union and returned money for XXXX transactions, however, with respect to XXXX transactions of approximately XXXX each, they have not paid me, hence I lost XXXX due to the negligence of both of these companies. When I called both of them, they keep pushing me around and XXXX XXXX said it has to be resolved by Western Union and Western Union says it is XXXX XXXX who is responsible to reimburse the XXXX. 

Sir/Madam, I did not do anything wrong to be bullied out of XXXX by XXXX unscrupulous companies, who I entrusted with my bank and personal information, but allowed hackers/ fraudsters to access my information to steal my money. It appears that the XXXX was paid by XXXX XXXX for XXXX fraudulent money transfers which was actually paid to XXXX people in XXXX, and they dont want to accept liability for their inadequate security measures and has made me pay for their negligence and incompetence. 

Some transaction were done in my name from XXXX, where a bank account was created to receive money from my Western Union account in the XXXX. My account at Western Union was used without my permission to do those transactions. I could have been a victim of identity theft, and neither Western Union or XXXX XXXX contacted me of suspicious activity on my accounts with them. How can XXXX transactions with some identical amounts to and from XXXX by someone who lives in the XXXX and never sent money to XXXX did not warrant security verification. 

In closing, I would like your agency to investigate this issue expeditiously so I can get back my XXXX dollars which was taken from my XXXX XXXX bank account to pay Western Union for fraudulent and unauthorized transactions..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Kansas Counselors, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had car accident on XX/XX/2019 and my car was hit and I forget to provide my medical insurance card to hospital at register and had time to bring back to hospital and providing it and after that I had many bills send with same information to provide way to pay medical bill related to incident and I answered the caller from Kansas counselors agency and its collection agency and the amount was even different its was {$31.00} and then {$150.00} and after that I had also another collection bills for {$1100.00} and its had my son name and he never been to hospital he was only with during accident but he had no injury and so XXXX XXXX XXXX charged my son for nothing too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Radius Global Solutions LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 Radius Global Solution added a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2022-06-23
Company: Io, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Asked for verification of debt sent two letters with no response twice over 30 days. I have verification from recieve receipts from USPS -Reporting Act 611 ( a ) ( XXXX ) and Section609 ( a ) ( 1 ) ( A ) -Please be advised that under Section 611 ( 5 ) ( A ) ( 7 ) of the FCRA you are required to DELETE all information that can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My personal information with all three consumer reporting agencies : XXXX ; Experian ; XXXX has different varies of my name. They have the Wrong Social Security Number. They have different phone numbers and addresses that is not mine. I want all document information removed and for them to stop reporting inaccurate information

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 2022-06-23
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My personal information with all three consumer reporting agencies : XXXX ; XXXX ; Equifax has different varies of my name. They have the Wrong Social Security Number. They have different phone numbers and addresses that is not mine. I want all document information removed and for them to stop reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX furnished a collection on my consumer report. Where did this collection come from?? 
XXXX XXXX XXXX, YOU ARE BREAKING THE LAW. 
See exhibit attached, the notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F, which took effect XX/XX/2021, You XXXX  XXXX XXXX, have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.

I have not given you written permission, nor will I ever give you or any debt collector permission, to put anything on my credit profile 15 USC 1681b2.

You have no permissible purpose by law to contact third parties with my personal information. You actions result in AGGRAVATED IDENTITY THEFT 18 USC 1028A. Knowingly and wilfully transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

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 2022-06-23
Company: AMA Advisors, LLC.
State: CO
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 was under forbearance, due to covid, It was not supposed to effect my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: IN
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.

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

15 U.S.C 1681 Section 004 A Section 2 : It also states a consumer reporting agancy can not furnish a account without my writion instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer roporting 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 XXXXXXXX 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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 was under forbearance, due to covid, It was not supposed to effect my credit.

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 2022-06-23
Company: Experian Information Solutions 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 XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX section XXXX A. XXXX 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 2023-01-26
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: IN
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 a hard inquiry on my credit that i didnt allow to be on my credit report. XXXX XXXX  XXXX credit XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
On the checkout page, it does not show the transaction fee until you reach the final page before confirmation, luring customers into paying a high transaction fee without knowing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Bread Financial Holdings, 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:
I have previously filed a complaint with cfpb on XX/XX/XXXX and my complaint ID is XXXX. This complaint is against Comenity Bank and their reporting of 4 Fraudulent accounts being reported to the credit bureaus. I have provided all documentation I can provide to the best of my ability and after my complaint there was no resolution to the accounts being reported. 

I am a victim of Identity theft and I first contacted Comenity Bank regarding four accounts that were opened and utilized by the individual who stole my identity on XX/XX/XXXX ( this individual was a family member who resided with me for a period of time ). They replied to me and stated that even after I provided a notarized Identity theft affidavit that they see no basis of my claim and that the debt of all 4 accounts belongs to me. I have also contacted the credit bureaus regarding these accounts and both XXXX  and XXXX  have honored my claim but XXXX  has not. I contacted Comenity Bank again XX/XX/XXXX and I have only received a decision regarding one of the accounts however they have not acknowledged the remaining 3 and all 4 accounts are still being reported by XXXX  to date. I am also still receiving collection calls and letters regarding one of the accounts that was sold to XXXX XXXX XXXX and all three credit bureaus are currently reporting this account as a collections account. 

Please also keep in mind the 3 remaining accounts on XXXX  are reporting charged off every single month for the last year which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: IN
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 hard inquires on my credit that i didn't allow to be on my credit. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
To whom it may concern, I would like to state that XXXX is in violation of 15 USC 1681 ( a ) ( 4 ), which states that in relation to accuracy and fairness of credit reporting The congress makes the following findings : ( 4 ) There is a need to ensure that consumers reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX is going out and fishing for negative information about me, it an infringement upon a consumers right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). XXXX is also in violation of 15 USC 1681b ( a ) ( 2 ) which states ( A ) 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. XXXX did not have a permissible purpose, nor did they have my written instruction to report a bankruptcy on my behalf the consumer XXXX XXXX XXXX XXXX. XXXX, without my written consent furnished negative information about a XXXX  XXXX Bankruptcy XXXX # XXXX to TRANSUNION. I never gave TRANSUNION or XXXX any written consent to report anything on my consumer report.

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 2021-06-21
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:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Santander Consumer USA Holdings Inc.
State: AZ
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:
The information being reported on my credit report is more than seven years old from the first date of delinquency and exceeds the statutory time period under this Act, and must be removed. 

The SANTANDER USA account 1st date of delinquency is being reported as XX/XX/XXXX on my XXXX  credit report. The actual 1st date of delinquency is XX/XX/XXXX as was reported on my XXXX credit report ( attached ). The actual 1st date of delinquency makes this account over seven years old and therefore outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
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, Experian has violated my rights. I sent a letter in asking the credit bureau to send me a statement regarding late payments, on XXXX XXXX Account, ending ( XXXX ), and XXXX XXXX XXXX account ending ( XXXX ) that are reporting on my credit file. The letter was sent on XXXX XXXX and received by Experian on XXXX XXXX. I followed up and provided additional supporting 15 USC 1681 Section 602 States I have the right privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-09-21
Company: DISCOVER BANK
State: CA
Product: Credit reporting 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 XXXX, has violating my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A, section 2 : it also states consumer reporting agency can not furnished a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation