BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
The credit report dated XX/XX/XXXX provided by XXXX showed XXXX XXXX for two accounts showing on my Transunion report. Those accounts numbers were account # XXXX and XXXX. As of XX/XX/XXXX, they reported that the amount owed for account # XXXX was {$250.00}. On the same date, they reported the amount owed for account # XXXX was {$260.00}. The original accounts from the original creditor, XXXX, became delinquent as of XX/XX/XXXX. This means that XX/XX/XXXX would be the correct Date of First Delinquency. As of XX/XX/XXXX, according to a statement from XXXX, the final amounts owed were {$210.00} and {$170.00}. The accounts with XXXX were charged-off and any interest or final fees owed to XXXX can not be applied after the charge-off occurred. XXXX XXXX, a debt buyer, can not legally inflate the amount of the debt after the original creditors write-off. Under 15 USC 1692f 808 ( 1 ), the  law states the following : The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
This is no legal explanation as to why the amount owed in the two collection accounts was inflated. We can only assume that this was done in retaliation since they only inflated the amounts after I filed a dispute with the credit bureaus because the company was reporting an incorrect amount for both accounts ( less than what it shows now but more than the original amount ) and the dates were being reported incorrectly. These debts are from XX/XX/XXXX. From XX/XX/XXXX until the time that I filed the dispute with the credit bureaus in XX/XX/XXXX, the original amounts have never increased. They did not increase until I filed the dispute which shows a clear retaliation from XXXX XXXX. 
In addition, the company is showing the wrong first date of delinquency. In this case, it would be XX/XX/XXXX. They are reporting a date in XX/XX/XXXX in violation of my rights as a consumer. I am attaching a previous credit report from this year as well as my most recent one so you can see the increase in the amount reporting. Please note that the XXXX credit monitoring that I am using shows the original creditor reporting however it is actually XXXX XXXX that is reporting the accounts to Transunion.

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 2022-01-12
Company: Experian Information Solutions Inc.
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:
Reporting false and inaccurate information to credit bureau.In violation of Fair Credit Reporting Act.

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 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX XXXX DOB : XX/XX/XXXX Trans Union XXXX . XXXX  # XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account and items Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Not my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Not my address XXXX XXXX XXXX XXXX, XXXX XXXX Not my address XXXX XXXX XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Not my address

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 2018-12-20
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 loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX  XXXX  XXXX, XXXX   XXXX XXXX, XXXX  XXXX and 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 2020-11-22
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX listed an account on my credit that is not mine. I do not own this vehicle never owned this vehicle I have no affiliation with this vehicle. On numerous occasions between XX/XX/XXXX-to present day I have informed them of this mistake and repeatedly they ignored me and furnished no proof of me acquiring this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Checkr, Inc
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX XXXX, XXXX I contacted Checkr Inc and let them know that not only was the criminal information reported not me, but it was adversely affecting me and it was over 10 ( in fact 20 ) years old. The response I received was that it was public record, which does not make sense, I have lived in Pennsylvania all of my life and even provided them with proof that I was in college at the time that the report states I was supposedly in jail, but they refuse to take it off the report they provided to XXXX and XXXX. Oddly enough they provided several other background checks for me, and that information does not appear on the other ones, in fact they have provided 6 background checks in total, and the inaccurate information only appears on the XXXX and XXXX checks. Their response to this is because they are Transportation Related background checks, which does not make sense either, as I worked for XXXX XXXX XXXX in XXXX, as a XXXX, and they did a background check, and this information was not on my background, as it does not belong to me, and when asked how they derived at this information, all I received was confusing verbiage. It should be removed for several reasons, all six background checks they ran on me were for transportation jobs, XXXX, XXXX, XXXX, XXXX, and XXXX ( there is another, but I can't remember at this time ) and that information only appears on XXXX and XXXX, so their excuse that it is more indepth because it is for driving does not make sense, this public record does not belong to me, I just want it off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 USC 1618 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Sections 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 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 2017-06-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is originally from  XXXX   XXXX  and it was opened i n  XX/XX/XXXX  it w  as then closed and transferred to Midland Credit Management in  XX/XX/XXXX . The  amount being reported across my credit report is fro m Midland Funding and Midland Credit Management is   $  XXXX  {$880.00}. I have tried several times to reach out  to Midland Credit Management in regards to this debt in requesting for proper VALIDATION of this debt, as I know that I DID NOT open a credit card account wit h  XXXX   XXXX . I have only received copies of statements for this debt but nothing has been sent to me with my signature authorizing this account . Midland has since been reporting under both names Midland Funding and Midland Credit Management across my c redit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
( XXXX XXXX XXXX, ACCOUNT # XXXX ) and ( XXXX XXXX XXXX, # XXXX ) broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired Experian, XXXX, XXXX who are furnishing inaccurate and unverified information on my consumer report. 

Proof of inaccuracies is attached example date opened ( XX/XX/XXXX ) on ( XXXX ) but on ( Experian it XX/XX/XXXX ) date last active ( XX/XX/XXXX ) on ( XXXX ) but on ( Experian it XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant EXPERIAN, XXXX, or XXXX the permission to furnish this report I demand that they delete this account from my consumer report. 

in accordance with the fair credit reporting act convergent ( ( XXXX XXXX XXXX, ACCOUNT # XXXX ) and ( XXXX XXXX XXXX, # XXXX ), have violated my rights. 

15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 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 explanation
Consumer complaint received 2022-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update accordingly. 

( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX, XXXX, a security freeze was placed on my Equifax credit file at my request. The security freeze was indicated in my credit report when I accessed it in XXXX and XXXX. When I accessed it recently, in XXXX XXXX, the security freeze was no longer indicated. This is an error I never requested nor initiated removal of the security freeze. 

On XXXX XXXX, XXXX, I wrote to Equifax describing the error and requesting that the security freeze be reinstated. They replied on XXXX XXXX, XXXX, treating my letter as a new request for a security freeze and saying they could not act on the request without additional information -- information which was included in the documents attached to my letter. 

Copies of my letter XXXX with attached documents XXXX and Equifax 's response are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had a bill for XXXX $ in collection as a result of a phone plan I had gotten with XXXX. After approximately 2 months of service, I recieved my first bill and the amount that was owed was not in the amount the sales person quoted me on. I disputed the amount with the store at I got the quote and they assured me that they had said the right amount. I showed them the writing that had the specific amount my bill was said to be by the sales agent which was different by 40 or 50 dollars. After showing XXXX that and them not wanting fullfill their end of the deal I chose to terminate my service before the 3 months was up that I was told to be allowed to cancel my contract. Which is what I did. Then I took my business to XXXX whom at the time had a deal to pay off any early termination fees with the current cell plan to switch over to XXXX. I chose to do that, and XXXX was to mail me a card to pay off my XXXX bill. Now that I have spent 1 yr trying to get XXXX to send me the prepaid card to do that, I have yet to have XXXX mail the card to me because of the final bill from XXXX not having enough information for XXXX, as well as the picture I was supposed to take of the XXXX bill being the right file type for the pictures to be submitted online as I was told to do by XXXX ( not to mention the 2 or 3 times going into XXXX with the bill itself only to be told they could do nothing except what I have done from home ). Now I have been stuck with a XXXX $ collection bill as I stated from XXXX, that XXXX is actually liable to pay. My credit now being hurt and my time wasted as well as 2 phones I owned having to be given to each company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Account # XXXX, XXXX XXXX BANK Account # XXXX, XXXX BANK Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX 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 2021-04-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I processed a wire transfer for {$10000.00} from Wells Fargo to XXXX XXXX, XXXX, via Wells Fargo online portal, on XX/XX/2021. I was charged {$30.00} for one day transfer, I believe. The transaction posted on my account the very next day. However, the receiving party never received it. I was told to wait for 5 business days for it to go through. I waited till XX/XX/XXXX. It was still not received. I went into the local branch to start a wire claim. I spoke to XXXX XXXX ( a personal banker ). He initiated the claim and provided a claim number. I was told to wait 10 business days. He said we would be contacted either by phone or by e-mail. To this day, no communication has taken place from Wells Fargo, except for when we called in. 

I waited till the 11th day and called to check on the wire investigation. I kept getting a run around between online fraud and online non-fraud departments. Nobody was able to tell me anything about the investigation or where my money was. Finally, I went into the local branch again to speak to XXXX XXXX. He also had to call customer service and they kept transferring him between agents, without a straight answer. By this time, I have waited more than half a month for my money to be returned or found, as it was never received by the recipient. He said he escalated the matter to the resolution team. I was told to wait 3 additional business days. It has been 3 business days and I have yet to hear back from anyone. It would be exactly one month tomorrow since I had first initiated a wire transfer. I have not heard from anyone or received a refund. 

I am seriously concerned as to where and how they lost my money. XXXX is a big amount to me. I need it found and returned.

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 monetary relief
Consumer complaint received 2017-10-28
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was previously disputed and removed from my credit report earlier this year by the last collection agency that had this account I was assured by XXXX that this could not be place back on my credit report by any other collection agency. It was sold to this collection agency ( XXXX ) and the dollar amount was changed from {$800.00} to {$800.00} and put back on my credit report. I would like this to be removed in no more then 7 days of receiving this complaint and a new report sent out to my address verifying the removal. XXXX assured me that this would not be allowed to happen and it 's affecting my life due to me being in the middle of purchasing my first home and my credit has dropped by almost a 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Credit Corp Solutions Inc.
State: NM
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 complaint is in regards to account with XXXX XXXX XXXX  which was charged off and sold to a debt collector in XXXX. The debt collector was Credit Corp Solutions, INC. I paid the balance in full and received a letter confirming that my account was closed/paid in full on XX/XX/XXXX ( attached ). I have filed a dispute with XXXX  to update my account. XXXX  only updated my account to show that it was placed in collection in XXXX of XXXX ( attached ), which makes matters worse. Additionally, XXXX  will not update my account information ( attached ). I have made all attempts to resolve this matter and will need further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal told me : " to offer assistance with respect to your withdrawal options unless a valid photo ID or equivalent is supplied for the primary name that was provided at the time your Account was created, XXXX XXXX. ( end quoting )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Affirm Holdings, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I purchased numerous items of furniture from XXXX XXXX online on XX/XX/XXXX ( Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) coming to a total of {$5600.00} XXXX I registered with Affirm to pay for my purchase, for a no-interest loan that would go over a few months. I paid the loan off without any late payments ( early ) on XX/XX/XXXX. XXXX XXXX said several items were backordered and monthly I checked the order to see when to expect the shipment. I received {$4800.00} worth of furniture but never received the 1 ) XXXX or 2 ) XXXX XXXXe from the original order for a total of {$790.00} worth of merchandise. These items were canceled BY XXXX XXXX on XX/XX/XXXX without my knowledge and will not refund me for items not received. Affirm refusing to escalate this issue as it is outside of their 60 day window from the loan agreement. I initiated calls to XXXX XXXX and Affirm on XX/XX/XXXX with neither party willing to assist or contact the other to reach an agreement.

Company response to consumer: Closed with explanation