BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
According to the Federal Act everything on my consumer report should be 100 % accurate. How did the company do an investigation to my account if its reporting different information in every bureau. Please delete derogatory misleading information. XXXX XXXX ; XXXX I have attached a copy underwriting misleading information. You are violating my rights under 1581USC 1681A ( 2 ) a ( i )

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 2023-01-15
Company: EQUIFAX, INC.
State: FL
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:
XXXXXXXX XXXX Equifax Amount {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have disputed with these companies how my rights was violated by HIPPA, I have no communication with the reporting company that this was a collection for my report and I have not given them consent to report on my credit profile because it was not formally verified AND the companies has not submitted any supporting documents that is was my account. 
I have demanded physical evidence from XXXX and Equifax but they have not sent any evidence to confirm this account meets the FCRA. 

They have also not responded to many unauthorized inquires that was not removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Is reporting this unknown debt to all 3 credit bureaus and I have no knowledge of the debt. I was too young to even know how to even sign up for an account with this company when it was first supposedly to be opened in my name. 

CREDENCE RESOURCE MANAGE Last reported XX/XX/XXXX {$780.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 1 yrs, 0 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30
Company: Experian Information Solutions 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:
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 15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open en consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My XXXX  friend XXXX home was XXXX  by XXXX  artillery at the beginning of the XXXX war. She spent a month huddled in the basement with her mother, grandmother, and the family cat. They were taken from the basement at gunpoint, forced into a filtration camp and eventually escaped with the help of a team I assembled. 

I have periodically wired XXXX money gathered from fundraisers to help her family with their journey. On XX/XX/XXXX I attempted to wire her the last of that money, {$2.00}, XXXX dollars. This is why Im contacting you. Ive had a series of problems with this wire, beginning with my bank, XXXX XXXX, who, for security reasons held up the money until XX/XX/XXXX, releasing it to an intermediary bank, The Bank of New York Mellon. That bank has held up the wire since XX/XX/XXXX, citing their own security issues ( Ive successfully wired money from XXXX XXXX to XXXX multiple times in the past with no such issues ). 

There is no point in having the wire go through to XXXX at this point, so I have requested XXXX XXXX to have Bank of New York Mellon return the funds to me. BNY Mellon has given no response, and have ignored four requests ( one a week ) from XXXX XXXX for any information. Mellons communication pipeline is impenetrable, even for my own bank. There seems to be no number to call and no human to speak to. There is only some kind of Bat-phone that is never answered. 

My friend has made it to XXXX with her family, and still desperately needs the money. 

Thank you for your time, and hopefully, your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Equifax Today XX/XX/2022 I received a credit alert that my address had been changed from my current address listed above which I changed via USPS mail in XXXX of 2022 to an old address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX. 

I have not lived at that address in over 8 years! 

I called Equifax to ask why would they fraudulently change my address without my authorization and the representative told me a creditor had given them that address. I explained to the representative that I have no credit tied to the address of XXXX XXXX XXXX and Equifax has no right to change my current address to an old address. 
The representative then said he will put in a dispute for the address. 

I then hung up the phone and called The City of XXXX which is where that address is. The city of XXXX XXXX Department advised me that I had a bill with them that had been sent off to a collections company. 
The representative at The XXXX of XXXX advised me that I could go on their website and pay the bill. 
I then went on their website and paid the bill of {$190.00} and I have included the receipt and email that I received as confirmation of payment being made. 

Equifax in cahoots with an unknown collection agency changed my address to suit the collection notice that I would not receive because I dont live at that old address. So what Equifax did is updated my address from my current address to an old address to match the collection that was going to hit my credit report HOWEVER I never received any notification from a collection agency and why would I if the Credit Bureau illegally changed my address so that not only can a collection account report on my credit report but the address would match what was reporting. 

That is HIGHLY ILLEGAL. 
Im considering contacting an attorney for this matter! 

If a negative item hits my credit report not only will I sue Equifax for damages but I will go to the media about what Equifax is doing to consumers. 

I have included a copy of the paid water bill and email if confirmation! 

The CFPB needs to look into this because this is highly illegal to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Capital Accounts, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/22 - Received email from XXXX from XXXX XXXX XXXX XXXX XXXX XXXX saying I had a debt of {$7900.00}. I responded with a request for documentation XX/XX/22 - Second email from XXXX from XXXX XXXX XXXX XXXX XXXX XXXX saying I had a deb of {$0.00} XX/XX/22 - Received letter in the mail from Capital Accounts LLC saying I had a debt of {$7900.00} from XXXX XXXX Supplies Around XX/XX/22 Called Capital Accounts and asked for proof of the debt. They would not provide details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX, XXXX and TransUnion decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. PLEASE remove these unknown items from my file : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$28000.00} ; XXXX  XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Balance {$25000.00} ; Bankruptcy XXXX XXXXXXXXdismissed US BKPT CT FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; Bankruptcy XXXX XXXXdischarged US BKPT CT FL XXXX Filed on XX/XX/XXXX Reference XXXX : XXXX ; XXXX XXXX  Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : 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 2022-07-30
Company: EQUIFAX, INC.
State: AL
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:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Opened Balance {$810.00} XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX {$730.00} XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX I Inquired on XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 called the 3 Credit bureaus after I purchased a credit report with XXXX on XX/XX/XXXX and XXXX XXXX om XX/XX/XXXX. After receiving a copy of my report, I saw the UNVERIFIABLE item on my personal profile, I noticed that there was erroneous item on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that this account will be updated. 

XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XXXX, XXXX Balance {$5700.00}

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 2022-09-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 or about, from my Citibank account I sent an international wire transfer to my sister 's account in XXXX. The wire amount was {$6400.00}. The bank told me the money should be arrive in my sister 's account by XX/XX/XXXX or may be sooner. However, the funds were never delivered to her account. I called numerous times to Citibank but no one could ever provide me any details about the wire status. On XX/XX/2022 Citibank credited my account, but only for {$5300.00}. I never ask for cancelation or recalling the wire. It was Citibank own decision, but no one has an answer for me that I lost {$1100.00} ( {$6400.00} - {$5300.00} ) for WHAT? I basically was out of thid money from XX/XX/XXXX until XX/XX/XXXX, and never received the original amount.

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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX XXXX Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2022-09-26
Company: Remitly, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
on XXXX 2022, I transferred {$1500.00} to XXXX using Remitly.com online account. on XXXX of XXXX, I received acknowledgment about the transfer and when I asked my XXXX he told me that amount is not showing in his bank account. 
on contacting Remitly customer services, they told me that your provided account number was not correct and we have requested their partner bank for a refund. 
since then I have contacted them almost every week and I am not receiving any encouraging statements from them. 
In XXXX, my brother contacted the bank and they provide him with a bank statement during that time period ( XXXX ) which proved that there is no money transferred during that period. 
I emailed that to Remitly. 
today I called them and their statement was really disappointing please help me in order to get my refund. 
My claim is that the bank account number was wrong. there is the Title of the account, phone number, and address to verify. how can they make this transfer without verifying it. 
A

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-06-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX -unknown amount XXXX XXXX XXXX XXXX XXXX  XXXX XXXXunknown amount XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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 2019-01-25
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I requested a review of my Public Service Loan Foregiveness qualifying months a year ago. I have call several times since then to ask if it had been completed. This review has still not been completed and XXXX XXXX XXXX is unwilling to provide me with a general timeframe. 

I was also told around XX/XX/2018 that the months that I overpaid on from my determined monthly payment amount would be reimbursed to me after my foregiveness was in effect. I have since been told this is wrong and mocked for asking this question. I am rarely treated with any sort of respect when I call XXXX XXXX & often given misinformation with no offered apologies. XXXX XXXX never seeks to offer a solution to issues that they cause. They are also unwilling to provide me with copies of narratives from when I called in without a sopeana.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: OH
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If Experian and XXXX do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00} ; DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance {$6500.00} ; DEPT OF EDUCATION/XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$3600.00} ; DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$790.00} ; DEPT OF EDUCATION/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$1400.00} ; DEPT OF EDUCATION/XXXX  XXXX Date XX/XX/XXXX XXXX XXXX {$250.00}

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 2022-07-30
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: Personal information incorrect

Complaint:
Disputed inaccurate info on credit report XX/XX/2022. Nothing was changed. I try to correct my address and other information, but nothing fets corrected. I feel that someone else has been sabatoging my credit report and score by entering wrong information.

Company response to consumer: Closed with explanation