BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.

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: Remitly, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I set up a Remitly.com account and transferred funds from my XXXXXXXX XXXX  to a XXXXXXXX XXXX  Account to pay for a XXXX The process was confusing and my transfer was did not appear to have been saved. The XXXX XXXX XXXXs well reputed and I used the link they sent me. I checked that all the URLs were Remitly.com so I don't suspect I was on another site. I then initiated the process again and ended up mistakedly with XXXX transfers for the same thing. XXXX notified me that my transfer was pending because they needed more information. They prevented me from logging in to further process anything online. On the login I was give a screen with only XXXX options to call them. 

I XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX  do not work. Eventually I got the on chat and they called me. They passed me through XXXX agents and then started asking what I thought was invasive information about the recipient, what was I paying for, I said a service, they wanted to know the specific service, and they wanted to know my physical location as well. This XXXX XXXX for a financial service that already had all the account information to process the transfer. 

I had supplied Passport photo, facial video that their site requested. I requested with the agent that both transactions be cancelled, she told me that " made her XXXX  that I was cancelling my transactions '' ( bizaare language choice for a financial company ) and assured me they had been cancelled. I received emails saying as much. On the Remitly account they show as cancelled The next day a transaction went to my bank for $ XXXX. It is pending so I have to wait until it finalizes to dispute it with my bank. SInce it is a debit card it is difficult to force resolution ( sadly. ) What am I reporting? XXXX customer service for a payment processor, recommending to others not to use this company if they value peace of mind, and posting a withdrawal to my bank after I cancelled my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: IN
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:
Tried resolving and removing personal information that isn't mine. Been a victim of identity theft. Won't remove or delete inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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: Public record information inaccurate

Complaint:
On XX/XX/22 I put in a dispute with Experian for a removal of a public bankruptcy record that they stated was verified through XXXX XXXX. 
However, I disputed the accuracy of the bankruptcy with XXXX XXXX on XX/XX/22 the dispute was not verified and removed from the report. 
I XXXX XXXX, consumer, and natural person, I am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : Bankruptcy Account NumberXXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Sincerely, 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 explanation
Consumer complaint received 2022-06-24
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 719XXXX has me at a score around 590. 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 2022-06-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions 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 719XXXX has me at a score around 590. 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-24
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: Account information incorrect

Complaint:
There is 30+ mistakes on my credit report! I have highlighted the mistakes. I have also sent 3 dispute letters but there has been no change! I have attached all documents. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After the COVID forbearance, I participated in a loan modification with Lakeview Loan Servicing ( where I was told it would be non-interest bearing ). I signed all documents. FHA recorded a lien for {$26000.00} BUT the mortgage company also added the same amount to my principal balance. Creating a situation where I owed over {$52000.00} when it should have been approximately {$26000.00}. I contact the bank XX/XX/XXXX, they said they would fix it, XX/XX/XXXX they said was being reviewed, XX/XX/XXXX they said the review was closed, XX/XX/XXXX they said they would submit a reconveyance request to FHA, XX/XX/XXXX they said that they never sent it to FHA and that it was being reviewed. This is a circle of nonsense at a time when I'm trying to sell my house. FURTHER, I tried to make a payment in XXXX and they said they would only accept both ( 2 ) of my delinquent payments. I asked again on XX/XX/XXXX and they said they would only take 2 payments, no less- and next month it would be 3. My mortgage documents state that they can apply any partial payments any way they wish but they still have to take them. I am accruing late payments and interest because they won't take my money.

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 2023-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company said they closed the account in 2017, but I'm still paying on the loan as we agreed on by the bank. So my credit report shows I'm really bad credit and all my other credit scores are all perfect. This has caused me not to be able to get financing on a loan for XXXX XXXX for my home. Which would have saved me lots of money as I'm on a fixed income.

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 2023-05-11
Company: FISERV INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from TRS Recovery Services, stating that I have a debt with XXXX XXXX  but I didn't shop there. I lost my checkbook months ago, and someone cashed a check for a large amount and my bank won't believe me. XXXX XXXX is attempting to collect {$290.00}, for some reason.

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 2022-06-06
Company: CITIBANK, N.A.
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:
I pulled my once a year free credit report and I see a inquiry CBNA XX/XX/2022 that I am not familiar with. This inquiry is fraudulent and unauthorized.

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 2022-09-19
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
TD AUTO FINANCE obtain a copy of my XXXX credit report on XX/XX/22 without my consent or permission. I have no relationship with td auto finance nor have I applied for any credit products from td auto finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: GA
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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

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 2023-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One took a {$630.00} unauthorized payment from me XX/XX/23. Autopay for that account was canceled in XXXX. They refuse to refund me and their actions have put me into financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: AZ
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:
I CONTACTED XXXX, EQUIFAX, AND XXXX - CREDITOR NAME IS XXXX XXXX XXXX XXXX, SENT ID THEFT REPORT, POLICE REPORT, PROOF OF IDENTITY AS YOU CAN SEE ATTACHED THIS WAS REMOVED/DELETED FROM MY XXXX AND OTHER REPORTS XX/XX/2022, NOW IN XX/XX/2022 THIS ITEM IS BACK ON MY CREDIT REPORT THIS IS FRAUD AND IDENTITY THEFT, PURSUANT TO SECTION 605B OF THE FIR CREDIT REPORTING ACT HOW CAN THIS HAPPEN IVE ALREADY SENT ALL DOCUMENTATION PROVING IM A VICTIM OF IDENTITY THEFT, HOW RE YOU REINVESTIGATING SOMETHING ALREADY BLOCKED AND REMOVED DUE TO IDENTITY THEFT?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Credit Collections U.S.A., L.L.C.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX Had a bill for a little less than XXXX $ never received any information about this. They turned it into collections and they were helpful and bill is paid. But then I had another bill for XXXX $ and they sent it to collections. Nobody every contacted me about this bill. I discovered it on XXXX XXXX I called credit col XXXX XXXX XXXX, XXXX wv XXXX ( XXXX ) XXXX on XX/XX/2022 at around XXXX or XXXX XXXX The lady was so rude and un helpful. Originally told me I couldn't make payments. I asked if they would settle the debt for another amount because i dont have the whole amount and she hung up on me. I understand if they want to full amount but I'll just need to make payments. No need to hang up on me and be very rude about my question. I tried to verify if the debt was mine. I don't have any recollection of this debt. I did set up a payment plan and I paying it off. When I went to make the payment they said card payments XXXX $ or check payment was free. I told her I didn't have checks but would go to the bank and get one. Then she was so rude and snapped at me and said I never said you had to send a check. If someone tells me to pay by check I have the understand that means to send a check to them. She said I just meant I need the account number and routing number. I never received anything about these bills and i was trying to settle them and was bullied and treated like trash because I was requesting a payment plan.

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 2022-05-26
Company: Experian Information Solutions Inc.
State: SC
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 am writing to dispute the following information that is reporting on my Experian Consumer Credit Report. I have listed the items I wish to dispute as they do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are also reporting inaccurately *XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed is the police report and my Experian credit report . Please reinvestigate this matter and contact the national credit bureaus to have them delete or correct the disputed items as soon as possible.

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: SC
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, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 


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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Paramount Recovery Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In 2017 I went to an emergency room while insured by XXXX XXXX insurance. The hospital was never paid by my insurance. This is not my fault. In fact I have already had this once removed from my credit as all three credit reporting agencies previously took it off but the same old debt from 2017 just popped back in my credit report again this month. Just because it was sold to another debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
Around XX/XX/ I made a purchase for XXXX $ cash at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX around XXXX oclock eastern time. I lost my money order & receipt all while walking to my vehicle after a frantic search I went back to the XXXX XXXX XXXX to ask for and receipt of my transaction each day for two weeks hoping there would be another woker on duty that would care enough to help Ive made multiple replacement forms and attempted but nobody will contact me back its is now XXXX  and I have yet to get and email an call and I would like my money back I filled in all three lines so nobody could cash it in they also said it wasnt cashed in yet there self so I want to know where are my funds and why is it so unprofessional even when I expressed my family emergency they would keep insisting I do a replacement form Which I have done multiple times in hopes they would help me in stead they wanted me to give up my efforts I am a XXXX father looking at and eviction I am not trying for steal I just want what was rightfully mine and I trusted this business to be there for me in times like this when my back is against the wall not treating me like Ive never brought the moneyorder because the store has cameras bout they wouldnt rewind those either for me

Company response to consumer: Closed with explanation