BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
all theses address are being repoted that i never lived there XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXXXXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 2023-09-28
Company: Fundo LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
- On XX/XX/XXXXXXXX  I applied online for a XXXX for {$1400.00} - on XX/XX/XXXX, an amount of {$1100.00} was credited to my personal checking account from FUNDO LLC ( Financial Institution ). 

- XX/XX/XXXXXXXX  I requested a reconciliation to have my payments lowered due to financial hardship. 
XXXXXXXX  Fundo Representative ( XXXX XXXX ) emailed me indicating that they could not approve my request and that contractually they are able to collect up to 22.31 % and increase my monthly payments to {$250.00} a week. 
XXXXXXXX  I reviewed my rights as a consumer and detected Fraud by Fundo. I invoked a right to rescind my contract, revoked FUNDO access to my bank and returned all payments made. {$800.00}. 
XXXXXXXX  Fundo illegally filed a UCC lien XXXX XXXX XXXX XXXX XXXX Clerk of Superior court for {$6500.00} XXXXXXXX  I requested validation of debt, signed invoice, copy of agreement binding both parties, evidence there exist a business titled " XXXX XXXX '' per their claim, and my original application XXXXXXXX  second attempt to request information XXXXXXXX  FUNDO LLC sent me my agreement and partial application XXXX which indicates a loan was disbursed ) XXXXXXXX  I invoked my right to access, request was ignored. 
XXXX I informed FUNDO ( XXXX ) that I have evidence a loan was disbursed XXXX XXXX denies and claims it was a technical issue XXXXXXXX  i infomred fundo that i am aware that XXXX XXXX, director and lawyer for Fundo has been sued by the CFPB, and US attorney office general for debt relief scams. Please reference " XXXX XXXX XXXX and XXXX XXXX XXXX ''. XXXX has also been investigated by the DOJ. 

- XX/XX/XXXX. I had a 13 minute conversation with Fundo Paralegal and COO, XXXX XXXX in which she proposed a reduction in balance from XXXX to XXXX and the debt will be cleared. 
XXXXXXXX  XXXX sent a follow up email pertaining to our conversation and will follow up prior to XX/XX/XXXX with a decision on my behalf. 
XXXXXXXX  I requested my right to access ( no response ) XXXX I requested my right to access ( n response ) XXXXXXXX  Filed complaint with US government accountability office

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 CALLED ALL 3 credit bureaus and spoke to them about the fraudulent inquires on my credit report. the all said to contact the companies and the companies said to contact the credit bureaus. I've been getting the run around. I told them i filed an identity theft report with the government as well. here are the fraudulent inquires for each bureau. TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reinvestigate my credit file, I realized that some of the information was erroneous. The 3 credit Bureaus are required to reinvestigate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX Balance : {$10000.00}, XXXX XXXXXXXX Balance : {$290.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2023-09-11
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, a collection account was posted to my XXXX and XXXX credit files from Credence Resource Management on behalf of XXXX XXXX XXXX. I disputed the information. The account does not belong to me. I notified all credit agencies and Credence Resource Management by letter explaining this. 

On XX/XX/XXXX, XXXX informed me the collection account had been verified by Credence Resource Management as belonging to me. 

I contacted Credence Resource Management by phone on XX/XX/XXXX and spoke with XXXX XXXX  ( Customer Service Representative ). She informed me the debt was for XXXX XXXX, not XXXX XXXX XXXX as listed on my credit report for services at an address I have never lived at from XX/XX/XXXX - XX/XX/XXXX. 

XXXX did not provide the name on the account or the address. However, she did provide the associated account number and email address. I disputed the debt and explained I have never had a XXXX account ; nor have I approved or co-signed for such an account. I have never lived at the address associated with this account and asked for it to be removed from my credit file. 

I am a victim of identity theft due to the XXXX XXXX XXXX and have been fighting issues in conjunction with my stolen information for several years now. Every time I resolve one issue, another one occurs. I have filed numerous FTC reports since XXXX substantiating this fact. 

XXXX XXXX stated she would note my dispute and send the account back to XXXX XXXX for further investigation. I am beyond frustrated that a collection account can be posted to my credit file ( causing a 54-point drop in my credit score ) with no urgency from the reporting company to remove the collection once notified of the identity theft employed to open the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: W&A Intermediate Co., LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out to Choice Recovery IncXXXX in XX/XX/2023 after finding a medical debt that has a balanced owed under {$500.00} with an account # XXXX listed on my consumer report. The mail was returned undeliverable although it is the address listed on my consumer reports. When I went to verify the address for Choice Recovery on my credit report, I pulled a new copy of my credit report to find that the same account XXXX XXXX was now being reported and collected on by Wakefield & Associates. I reached out to Wakefield & Associates requesting a debt validation because I was never notified prior to them parking this alleged debt on my consumer report and also this alleged debt is a medical debt with a balance owed under {$500.00} and should not be reflecting on my consumer report due to the Medical Debt Rule that clearly states that UNPAID MEDICAL DEBT with a balance due BELOW {$500.00} SHOULD NOT BE REPORTED TO THE CREDIT REPORTING AGENCIES. I received a response from Wakefield & Associates claiming debt was verified by XXXX XXXX but I do not recall provided them with permission to disclose my personal NON PUBLIC private information with Wakefield & Associates or anyone connected with this company. Wakefield & Associates did not provide me with any disclosure or HIPAA authorization to show otherwise. My privacy and HIPAA rights have been violated. My personal NON-PUBLIC information was provided to this company, and they refuse to provide me with proof on how they received my information and how they have the right collect. I sent a letter to them via certified mail on XXXX and they have not repsonded.This company is willfully violation my rights and federal, state, privacy and HIPAA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Credit Fresh Holdings Inc
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I initially had a payday line of credit for {$2400.00} from XXXX, which I mistakenly maxed out within 1 year. But as it stands now my payment is {$280.00}, with {$240.00} of that going towards interest, which is blatantly outrageous. So I stopped making payments but would be interested in some type of agreement with the company to drastically reduce the interest rate, so that I can afford payments with paying an acceptable portion going toward the balance, and not the outrageous interest rate that I was previously paying. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: DC
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:
I recently reviewed my Experian credit report, and I noticed a lot of my personal information is still not accurately represented on the credit report and I am in fear of my identity being compromised. I have previously brought this concern of personal identifiable information inaccuracies to your company in XX/XX/2022 ( US CERTIFIED MAIL Receipt # XXXX XXXX XXXX XXXX XXXX ). 
Experian has a lawful responsibility to follow all provisions within the Fair Credit Reporting Act ( FCRA ). Not reporting the correct personal identifiable information is a clear violation of provision 15 USC 1681 ( a ) ( 4 ). 
I am writing to you to ensure Experian update my personal information immediately or I will exercise my right seek lawful remedies for correction of inaccuracies on my consumer report up to {$1000.00} per violation for Experians negligence to comply with duties imposed by the FCRA willful noncompliance. 
Be advised, it is my complete understanding that 15 USC 1681 ( a ) ( 4 ) is a provision within the Fair Credit Reporting Act ( FCRA ), which sets out the permissible purposes for which consumer credit information may be obtained and used by authorized parties. While the FCRA allows for the sharing of consumer credit information for certain purposes, it also includes provisions to protect consumer privacy and ensure that the information is accurate and up to date.

The right to privacy under 15 USC 1681 ( a ) ( 4 ) means that consumers have the right to control the use of their credit information and to know who has access to it. The FCRA requires that consumer credit information may only be accessed and used for specified purposes, such as for reviewing or collecting an account, for employment purposes, or with the consumer 's consent. 
Additionally, the FCRA requires that consumer credit information be accurate and up-to-date and gives consumers the right to dispute inaccurate information and have it corrected. The law also requires that consumer reporting agencies take reasonable measures to ensure the security and confidentiality of consumer credit information. 
In summary, the 15 USC 1681 ( a ) ( 4 ) right to privacy provides consumers with the ability to control how their credit information is used, and ensures that this information is accurate, up-to-date, and protected from unauthorized access or disclosure. 
There is lawful a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-02-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called TransUnion today on XX/XX/2023, around XXXX XXXX Pacific time zone. I dialed ( XXXX ) XXXX. I was transferred to the XXXX call-center and a male agent identified as XXXX. I told XXXX I remember him from the last time I spoke with him. I reminded him he purposely disconnected the phone call on me because I wanted to file a complaint about dispute agents deliberately disconnecting the phone call on me. I told him I filed a complaint with the CFPB, FTC and my Attorney General. XXXX then responded by stating : because of the way youre talking, I have to end the call. XXXX hung up on me again. Why did he hang up on me? I never used any profanity. I never made any threats. I have a right as a consumer to complain about dispute agents acting unprofessionally. How many more times is XXXX going to keep hanging up on me and deny me my federal and state right to file a dispute regarding inaccurate information on my TransUnion file? Do I need to file a lawsuit?

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 2023-10-03
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This is a problem with Pay Pal from back in 2019. A transaction of XXXX XXXX usd was transacted thru the account and all of the statements have some how disappeared and the account was closed no soon as the transaction was conducted. On this particular day a withdrawal from Pay Pal was taking place at an ATM around XXXX and XXXX with the business Mastercard by myself the sole owner of the account when the atm slip spit out it showed a balance of XXXX usd. Showed the person in the car and said is this right what Im seeing? And he said yes. The receipt was then put in the vehicle glove box tucked behind n the maintenance manual. About 5 months later car was stolen. XXXX  XXXX was the bank the atm slip came from and XXXX XXXXXXXX was the financing lean holder on this vehicle. Have contacted pay pal on many occasion and still get nothing. All accounts closed for a nonown reasons no money back and a nice hang up. This company has many other companies that have a profile on me and now had ruined name credit and what life there was. Countless hours lost for on all this and many attacks still today cause I wont hush! Now its getting personal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I send funds to my mom for festival and it was reported pick up although my mom never got the money and no receipt in her hand. when she went to pick up the funds, agent said it was picked up., Please help me, it 's giving lots of tension and stress for both of us.I called money gram and they were not help at all, they do n't care, I was told by many people that money gram have some fraud going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: DC
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:
Experian has been reporting a XXXX XXXX bankruptcy on my consumer and I would like to have it removed because it is violating my consumer rights due to the US Bankruptcy court does not verify with any credit bureaus any type of bankruptcies on consumer reports.

Company response to consumer: In progress
Consumer complaint received 2023-10-03
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received a notice in the mail stating someone has attempted to open an account under my name with ally. Which means someone had my private 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 2023-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation