BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: EQUIFAX, 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:
In accordance with the Fair credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX  XXXX has violated my rights Account # XXXXXXXX XXXX XXXX has violated my rights Account # XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violate my rights Account # XXXX XXXX XXXX XXXXXXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights Account # XXXX XXXX XXXX XXXX XXXX XXXX  has XXXX XXXX rights Account # XXXX DEPT OF ED / XXXX has violated my rights Account # XXXX US DEPT OF ED has violated my rights Account # XXXX XXXX / U.S. DEPT OF EDUC has violated my rights 15 U.S.C. 1681 section 602 A. states I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I sent a notice to Experian to correct my personal information because there were inaccurate names, addresses, employers, etc. reporting. 

However, Experian did not all old information associated with the personal information section of my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) -Accuracy and fairness of credit reporting, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

Also Pursuant to 15 USC 1681e ( b ) - Accuracy of Report, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

My personal information should be listed as such and no other. 

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Birthdate : XX/XX/XXXX SSN : XXXX Employer : This section should have no employer due to unemployment The following personal information needs to be deleted ASAP. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX The addresses are inaccurate because I do not live there and I can not receive mail or any correspondence nor do I have access to any of these addresses. The only correct address is the address I listed XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX XXXX day late in XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX XXXX days late in XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX Account XXXX : XXXXXXXX XXXX days late in XX/XX/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 2022-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I deposited a cashier 's check to my Bank of America account, and noticed a hold was still in place two days later, even though it was a cashier 's check drawn on a reputable XXXX bank- XXXX Bank. I contacted Bank of America customer service and was told the hold could not be released. I escalated my request, and was told the hold could not be released. I was told " a cashier 's check is considered more risky. '' I asked, " more risky than what? It's a check drawn from the funds of a bank. '' The representative said " more risky than a regular check from a checking account. '' Though I explained the nature of a cashier 's check, the representative was unable to do more that repeat her statement. 

In addition, the check was for under {$5000.00} and I have hundreds of thousands on deposit at Bank of America. 

Bank of America is fraudulently claiming these funds are " risky '' so that they can hold the funds and collect interest on them in the interim. I understand risk of fraud, but they know these funds are guaranteed, or certainly have the power to find out two days after a counter deposit. Banking clients should be the ones collecting interest on our own funds- especially when they are clearly guaranteed by a banking institution, not Bank of America. They are hiding behind a veil of policies that are actually a money-making scheme. 

This should be investigated.

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: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX XXXX XXXX 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.. 
has violated my rights. 

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

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-08-22
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My XXXX XXXX Access has been blocked by Ally Bank and I have $ XXXX in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: IL
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days. 

XXXX. XXXX XXXX Account Number : XXXX Bal : {$180.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Bal : {$500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$250.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$820.00}

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 2022-06-23
Company: Credit Karma, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Yes I have had a Credit Karma account for years and this year I filed my taxes with XXXX and linked it to Credit Karma spend account ( bank account ) however some of my taxes were deposited I received the email I went to go log in and it wouldn't let me I noticed that the number was not mine I immediately called Credit Karma they were no help I submitted documents they wouldn't accept them submitted documents several times over the past month and half numerous calls, emails, and chats been told it was fixed several times and it's not I have even told them that they are continuing to allow someone access to my personal information and everything but they keep asking for documents I've literally given them everything but a blood sample and I keep getting told they have fixed it but it is not my money is gone this person got it I can't dispute it or or do anything cuz I can't login please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting XXXX has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In regards to my consumer rights it is a violation of 15 USC 1666b to report timing of payment. A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also the information being reported is false there were never any late payments and the account is closed and paid off. The account was always in good standing. Spoke with representative of creditors XXXX XXXX and was informed that the late payments would be removed as they confirmed they have received the letter from XXXX XXXX XXXX informing that it was an error for it to be reported.

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 2022-08-22
Company: EQUIFAX, INC.
State: OK
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 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 account is over 7 years old. XXXX should of removed this account in XX/XX/XXXX per information on TransUnion. I filed a dispute and now they said it would be removed in 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 2023-01-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have written letters and called but I have not got a response. My credit report has inaccurate late payments which is damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Multiple violations that are being reported on my credit report with this debt. Sent in multiple letters with no verification being sent back. 

They are reporting : a closed account with a past due amount ( letter sent XX/XX/XXXX ) XXXX different dates listed under date of last activity ( letter sent XX/XX/XXXX ) Closed account reporting open ( letter sent XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Maximus Education, LLC dba Aidvantage
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I went to XXXX College in XXXX XXXX, MA while the school was being sued- it was a joke school and pretty expensive. Many people have been repaid for this issue. I would like to address this as soon as possible because it has been effecting my credit score for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt is from two ambulance rides from the main hospital in XXXX, AL to a mental health facility in XXXX, AL. 
I had filed for XXXX several years before and was awaiting my hearing. Which I won. State law grants all medical bills in relation to the XXXX case be filled under XXXX and paid in full starting on the date first filed for XXXX to the date the case was awarded. The ER and main hospital and the mental health facility filed correctly and were paid in full by XXXX. The ambulance service did not file at all as they were instructed to by both myself and the medical billing department at the main hospital. I never received any bills from them and thought the matter was resolved. Until the debt was bought by Wakefield and Associates and they tried to collect a debt that I am not legally obligated to pay and would have been paid in full by Alabama XXXX had they used proper billing procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In past XX/XX/2022 I purchase some crypto coin from XXXX from my chase acc and transferred it to a trading platform resulting in a scam who steal my money. In the letter you can read and see all the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Absolute Resolutions Corp.
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:
After receiving notification that there's been a change to my credit report I have sent multiple letters to Absolute Resolutions. At first, I admittedly was ignorant to the process of how I had 30 days to get them to validate the alleged debt. However, after being denied for car loans, credit cards and other opportunities, I decided to educate myself on my rights as a consumer. I came to find out that I had the right to ask them to validate the debt by sending me all documentary evidence including all reports, accounting ledgers, contracts that would give them rights to holder in due course. This company has never had my expressed or implied consent. This company has never attempted to satisfy my requests although in my letters I explained that it was not a refusal to pay, however its my right to validate. The only thing that I received was terms and agreements that did not bear anything that showed my name, signature or consent. Since XX/XX/XXXX, I have written multiple letters and sent via certified mail explaining my situation and what I would need from the company to resolve this issue. My last dispute had taken place in XXXX. I have all specific dates from copies of my correspondences, certified mail return receipts and the terms and conditions that they sent me that did not accompany any other documents that bear my endorsement. However, I'm typing this from the library and did not bring those documents with me. I could however bring these documents back and scan them if it would help me get relief from this nightmare. I also had filed multiple disputes with XXXX and XXXX through certified mail and these disputes have came back verified. However, when I asked for the method of investigation, who conducted the investigation and the information that was found to substantiate the right to furnish this on my report I have gotten nothing. My report showed that the " dispute is resolved but the consumer disagrees ''. I was under the assumption that consumer reporting agencies had a grave duty to with impartiality to make sure that they report fair and accurate information. This dispute has taken countless hours of my time going to the library to research, type letters, mail said letters, and ultimately wait for no results to date. This reporting has tarnished my image, misrepresented me as a natural good person and caused my financial damage while missing out on opportunities to better my life. 

15 usc 44, irs publication 583, ucc 3-302, 15 usc 1602 ( a ) ( 5 ), 15 usc 1692 a-k, 15 usc 1611, 18 usc 1961 , 15 usc 1681 604 ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hello, I was using the MoneyGram service a few times and it was always a huge problem to get money from them.

It takes days, sometimes weeks to get the money.

Even the senders are suffering to get it back. 
The internet and their XXXX page are full of complaints and XXXX is suing them now. 
Here is the article about it https : XXXX? XXXX My parents sent me money from XXXX because I lost my job and can't pay rent. 
It is urgent. 
And they are not giving me money trying every possible way not to give it to me. 
Now they want my not XXXX speaking step-dad to call them from XXXX to fix the problem. 
But problem was created by them. 
I checked this morning about money availability and their webpage said go get it. 
I went. 
And there is a XXXX. 
I have a screenshot of their answer that I've got the money and can get it at any location. 

Because it is not the first time, I checked their XXXX page and it is full of complaints and swearing bout their service. 
They are con-artists indeed. 

Please, help. 

My family is loosing apartment and has to go on the XXXX  with XXXX years old daughter. 
I need my money back. 

Thank you for helping. 

Best. 

XXXX XXXX

Company response to consumer: Closed with explanation