BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-25
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I.Q. Data International , INC XXXX # XXXX Trying to collect an alleged debt, but are not licensed to collect any sorts of debts in the state of Georgia upon checking the NMLS Consumer Access, I.Q. Data International is only licensed to collect debts in the following states, Arizona, Connecticut, Idaho, Indiana-SOS, Maryland, Massachusetts, Nebraska, Nevada, New Mexico XXXX North Dakota XXXX Oregon, Rhode Island XXXX Wyoming. 
also I asked for a validation of debt that I owe to I.Q. data also requested the contract and signature that I provided to I.Q. Data ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Monterey Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We are reaching out to you today to file a complaint against Monterey Financial Services for direct violation of the Fair Debt Collection Act. We agreed with XXXX XXXX to settle with them for {$1000.00} and sign a release agreement. We completed that process but XXXX XXXX never cashed the check but reported the debt as paid in full due to Grantors request, which led us to believe this had been resolved. However, come to find out, XXXX sent our account to collections. We notified Monterey Financial Services of this issue, yet they continued to reach out to us anyway. We want it on record, that Monterey Financial Services did not follow the Fair Debt Collection guidelines and all communication from them needs to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022 I attempted to transfer money using XXXX through my checking account which I have with Ally bank. A pop-up notification said they could not complete the transaction and to call them. This led me to being completely locked out of my account because I did not answer one or more of XXXX authentication questions correctly, which I think they have incorrect. They then said the only way I could access my account was to send a photo of myself holding my drivers license next to my face, a bill with my name on it and a photo of a social security. I explained I lost my ss card over 30 years ago and they said they would not allow me access to my account without it and suggested I order a new one. ALL of my money is in this one 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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After multiple attempts credit reporting errors are still showing on my credit report Violation of 15usc1681 section a thru i.also Violations of no surprises act and the cares act of2022.

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 2023-12-07
Company: DApps Platform, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hi I open the account with coinbase wallet then i opened Trust Wallet and transfer funds from coinbase to Trust wallet around {$98000.00}. Then through trust wallet i browse XXXX XXXX XXXX XXXX XXXX XXXXXXXX And invest here then after 3 days someone hacked my all funds. I complaint with local enforcement and noone response yet. Please help to recover from Trust wallet. Because this money is like my life i am broken. 
My name XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: PA
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF EDUCATION/XXXX  XXXX Balance : {$4400.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$2800.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$4800.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX  Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXXXXXX Balance : -

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, Transunion and XXXX has incorrectly reported a loan from XXXX XXXX as a Charge off. My loan is in good standing and it was not charged off.

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 2023-10-14
Company: Experian Information Solutions Inc.
State: AR
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.

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 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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In 2019, the automobile that the loan is in question four was in an accident and considered totaled. The insurance company paid off all but {$9000.00} at the time of the loan application with the car dealer the additional extended warranty was taken out as well as gap insurance, the car dealer did not submit the gap insurance paperwork or the extended warranty paperwork. I contacted XXXX XXXX and advise that I had paid for the gap insurance. They informed me that it was not on the account I went back to the dealer they assured me that they had submitted it, and that they would reach out every time that I have contacted XXXX XXXX. They refuse to listen so I stopped paying the loan come to find out the car dealer not only didn't submit the gap paperwork. They have put falsified information on the loan application such as a address, and a phone number, which do not belong to me, I became aware of this recently and I contacted XXXX XXXX and they refuse to listen or understand what I'm saying. I have disputed this multiple times with Trans Union, XXXX and XXXX the last time that I disputed it XXXX XXXX updated my information to my valid information and now they are trying to collect on it again and it's now reporting that it's delinquent and it's affecting my credit file again, I'm trying to have it completely removed because the information that was provided by the car dealer which is no longer in business provide it on the application an address of XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Delaware and a phone number of XXXX as my legitimate information which is not correct it's false, and based on that I'd like to have this completely removed from my credit file. Upon further review of the paperwork from XXXX, XXXX XXXX and XXXX also the buyers date of birth is incorrect, and the buyers drivers license number is incorrect. The only thing that's listed on this account application or the paperwork is my name all information is listed wrong XXXX XXXX XXXXXXXX. XXXX XXXX is not correct at XXXX date of birth is on these correspondence is two XXXX. My date of birth is XXXX XXXX. The drivers license number is XXXX. My drivers license number is XXXX Where they obtain this information I do not know also, it shows on my paperwork that the protection group I show I have insurance XXXX insurance. I also show LoJack insurance I don't know what that is but it shows that I have the extended service plan, gap insurance, and low Jack, and according to my documentation, I have submitted this, and they refuse to accept it.

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 2022-09-25
Company: Experian Information Solutions Inc.
State: KY
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 am requesting a correction in my personal information for the 3rd time. It is terribly frustrating to continue asking again and again that the same information be corrected. In Accordance With the Fair Credit Reporting Act the information listed below is incorrect and is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have no knowledge of these inquiries and I'm asking again for you to delete these : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Incorrect Names : XXXX XXXX XXXX, XXXX XXXX. Correct Name : XXXX XXXX XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX  XXXX, AL XXXX. 15 U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 without my written instructions. 15 U.S.C. 1681c-2 ( A ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of these items of information. Any other adverse item of information, other than records of convictions of crimes which dates the report by more than seven years.15 U.S.C . 1681s2 ( 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. Please delete these inaccuracies at once.

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 2022-12-05
Company: BANK OF THE WEST
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have been making payments for this RV for almost a year now using auto-draft. On the month of the 1st full year making payments, my auto-draft feature turned itself off. I originally had it set up through Bank of the West 's application. When I called them the first time, I was on the phone with XXXX, an XXXX XXXX XXXX, they told me I had not used bank of the west for auto-draft. They suspected that I used my XXXX bank to set up payments, which again I used the application their bank provided. They couldn't help me try to figure out how the feature turned itself off in the first place. It was originally set up to be taken on the XXXX of each month and my billing statements all support that. However, now that it was 6 days past due because of this, while on the phone with the first representative, I opted to pay a {$5000.00} to the account. I received confirmation number XXXX on the XXXX of XXXX at XXXX central time. He also helped me set up auto-draft through Bank of the West at that time. The next day I made a smaller payment to send a payment with a faster authorization time to show the account current. Since it was Sunday, I scheduled it for Monday. Monday comes and it did not get authorized nor was a confirmation email sent. I called customer service again, this time speaking to a XXXX. She also said that she couldn't understand how the auto-draft feature turned itself off. That only the customer can do that. I assure anyone, I would not do that. It was working flawlessly before. Again I was told I must've used my own bank, which was incorrect again. Then I was told XXXX was the one making the payments. I only used their application. If they can't see who they use to process their own electronic payments, and make their customers feel afraid for their credit score, how can I continue to be a banking customer nor want to expand their own specific services? I only used their online website and application. My account is showing late and no matter what form of payment I try whether online or through their application, it does not work. I tried again while writing this complaint at XXXX central time on XX/XX/XXXX ; nothing. I'm almost reaching the 10 day grace period for this payment and I can already hear and see the automated debt collection response I will receive. I'll probably talk to someone who wont know that I have been trying since the 1st day of it being late, that I have been trying to pay it.

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 2022-09-22
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:
I applied for one personal loan and received multiple hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-02
Company: FIRST NATIONAL BANK OF OMAHA
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
this account fnb omaha is a fraud account and fraudulent charges have been credit account # 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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a Bankruptcy reported inaccurately on my Transunion and XXXX account. Both XXXX and Transunion claimed that the information was verified with XXXX XXXX. However, I've suppressed my XXXX XXXX ( and have the confirmation letter below ) months before requesting the removal of the bankruptcy and they ( XXXX, Transunion ) managed to still get information from XXXX XXXX. This in violation with FCRA regulations and I'm requesting the Bankruptcy reported on my XXXX and Transunion account be removed.

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 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
SSN XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX Email : XXXX, XXXX Date Of Birth XX/XX/1985 Phone Number XXXX XXXX XXXX ADRESSES XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Nevada XXXX ( Current ) XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX Nevada XXXX ( previous ) XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX ( previous ) Subject : Dispute XXXX XXXX XXXX from my credit report, Amount XXXX based on the following errors against state law. ( EVIDENCE ATTACHED ) Count 1.Notification Error ; XXXX XXXX XXXX sent the written notifications of repossession and auction to the wrong/unrelated address aganist the state Law.I WAS NOT NOTIFIED WHEN MY STORED VEHICLE REPOSSESSED AND AUCTIONED Applicable Law Per NRS 482.516 '' Any provision in any security agreement for the sale or lease of a vehicle to the contrary notwithstanding, at least 10 days 's written notice of intent to sell or again lease a repossessed vehicle must be given to all persons liable on the security agreement. The notice must be given in person or sent by mail directed to the address of the persons shown on the security agreement unless such persons have notified the holder in writing of a different address ''. 
Count 2, XXXX XXXX XXXX never gave notice of intended disposition of the vehicle as required by NRS 104.9614, NRS 482.516 ( 1 ) and ( 2 ), and is, therefore, precluded from the recovery of any deficiency by NRS 482.516 ( 3 ), providing in pertinent part that plaintiff is liable for any deficiency after the sale of the repossessed vehicle only if the notice prescribed by this section is given within 60 days of repossession. It is XXXX XXXX ' fault for not giving/sending the disposition of the vehicle as required by the law. 
I politely request to investigate my claim based on my attached evidence and delete from my 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 2022-12-05
Company: Credit Systems International, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification of a debt that went to collections for the company XXXX XXXX XXXX for {$660.00}. I called the collections company and they informed me that the account with XXXX XXXX XXXX was opened on XX/XX/XXXX and the service turned off on XX/XX/XXXX. They provided the account number and address of the service I supposedly owe and it is located in XXXX, XXXX. I am located in XXXX, XXXX  and I have never lived ( or even visited ) XXXX. 
The mentioned company provides solar and wind energy to homes and I do not own a home, I am an apartment renter. 

Through one of my credit score providers, I also found out that my name is linked to 3 different addresses in XXXX, again, I have never resided in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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