BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-05-25
Company: Capital Management Services, LP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The loan that I originally took out was through XXXX. This loan was later sent to XXXX XXXX for collections purposes. While the loan was with XXXX XXXX, I paid a settlement to settle and resolve the debt. This settlement occurred in XX/XX/XXXX. I have proof of this settlement occurring, which I will attach. Once this settlement was conducted, the debt was properly resolved on my credit report and all seemed to be done with this debt. 

However, recently the debt was sold XXXX XXXX, XXXX, and now Capital Management Services , LP is attempting to collect on this already-settled debt. I was given a window of time to dispute that this debt was owed ( by XX/XX/XXXX ). I have attached the proof that I disputed this debt as required. 

Despite disputing the debt as already being settled, Capital Management Services , LP decided to pursue this already-settled debt, which reappeared on my credit report later in the spring as having a balance owed and showing missed payments after the settlement date of XX/XX/XXXX. 

I have reached our to Capital Management Services , LP twice now regarding this issue, and provided the proof of settlement information to them each time. Not only has the issue not been resolved, but they have not responded to my inquiries at all. 

I will be attaching the proof of settlement and proof that I disputed the debt through Capital Management Services , LP. ( I also have a video of me mailing the letter to them, to show that it was sent. However, this video can not be attached below but can be provided if needed. ) Additionally, I've included the screenshots of both emails I have sent to Capital Management Services , LP to try and get this issue resolved, both of which have received no response at all.

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 2023-05-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with Wells Fargo. On several occasions I applied for a modification under the false pretenses that no payments needed to be made. I then went into Foreclosure twice and had to pay attorney costs, and other additional costs. Not to mention when I sold my home I still had to pay additional funds. I also had a checking and savings with Wellsfargo. They had signed me up for yet an additional accounts. No one wants to be held responsible.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX - XXXX XXXX This inquiry should not be on my report. I did not apply for any credit with XXXX XXXX- This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry. 

XXXX XXXX - This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry, which is XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Alorica Inc.
State: WI
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 had a charge off with XXXX. XXXX transferred the account to SST. I paid off the charge off in full on XX/XX/XXXX. SST said they would report to the Credit bureaus. They didn't. XXXX said they can't change the status because XXXX no longer has the account and they don't contact the new account holder. 
SST 3x has given me 3 separate dates that they will report this to all 3 credit bureaus including that it may be several months because the are new at this. 
The Account should read charge off paid in full instead off just charge off. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-25
Company: Affirm Holdings, Inc
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke with XXXX XXXX XXXX XXXX today XX/XX/XXXX at XXXX XXXX  and stated that a debt was reported on my credit report for a debt that I am not aware of and or have never received communication regarding. I was told by a gentleman that it was a debt that I had through " affirm gazelle '' that us from XXXX of XXXX. I again repeated that I was not aware of this debt and had no recollection of any type of purchase such as that. Beside that fact, I also asked about the statue of limitations on an age of debt and asked how a debt from XXXX is just now being put against my credit report in XXXX of XXXX. This is re-aging and is illegal. He asked if I have ever received communication regarding this debt and I stated no. He said all he could do is put a dispute note in the system and apologize for the inconvenience. He stated he would not send a debt validation letter because I am disputing but also stated that this will remain on my credit report. I feel as though this is illegal and goes against consumer rights. I am requesting that this be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: NJ
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 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 explanation
Consumer complaint received 2023-06-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The inquires in question must be investigated and deleted immediately. I would like this in accurate information investigated and removed from my credit profile immediately The following should be deleted from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 The following should be deleted from Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following should be deleted from 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 2023-05-25
Company: SECURITY FINANCE CORP
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Security finance credit breach payment XXXX liable retrocession payment XXXX [ XXXX [ XXXX [ notarized XXXX total XXXX IRS took XXXX for student loan never had total XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total XXXX IRS notarized 5 IRS XXXX total paid XXXX and credit breach XXXX total XXXX trust stage life XXXX total XXXX entire balance paid in full credit breach tax fraud by family XXXX  total XXXXXXXX XXXX decrease my SSI sent fake checks XXXX i disputed everything file complaints and or results please help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
As of XX/XX/2022 I reached out to all three credit bureaus, XXXX, TranUnion, and XXXX to have them investigate my accounts as I believe I have accurate and fraudulent information on my accounts. I have multiple accounts that do not match the one another records and what I have also. There are multiple accounts that Is too much to add here all though if you need any additional information feel free to reach out via paper mail. 
Please hold them accountable

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 2022-12-19
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: Account information incorrect

Complaint:
I have credit monitoring and I just got alerted that as of the day of this complaint, XX/XX/2022, TransUnion alerted me of a new hard inquiry from XXXX XXXX XXXX. 

I can 100 % confirm that was NOT me. I have a car and I have been working all day. 

This is clearly fraud and I need this removed ASAP!

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 2023-05-25
Company: Experian Information Solutions Inc.
State: MN
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:
The following hard inquiry currently listed and showing on my Experian credit report is unauthorized : XXXX XXXX XXXX, XX/XX/2023.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-05-25
Company: OPTUM BANK, INC.
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 I tried to use my HSA debit card at a dental office and again the same day at a dermatologist office - neither could process the HSA debit charge and paid out of pocket. I called Optum Bank on XX/XX/23 while at the dental office and was first made aware that Optum Bank HSA inactivated my card a while back and sent replacement cards. I told Optum I was NOT given notice or made aware of this before they deactivated the account nor did I receive a replacement card ; ending that call they ordered a new card. I received the new card on XX/XX/23 and activated it by calling the number on the sticker on the new card on the afternoon of XX/XX/23. Two days later, on XX/XX/23 I tried to pay for prescriptions ( about {$100.00} ) with the new card, but got a denial code : " Debit not available appr. code = XXXX '' I called Optum again while standing at the pharmacy checkout counter and waited for nearly an hour on hold to talk to a supervisor who could only apologize for the inconvenience... WHAT? This is more than an INCONVENIENCE!!!! I could not pick up my prescriptions. When I got home I logged into my account and it shows a very old card number, not even the most recent card number and certainly not the new card received XX/XX/23. I am beyond frustrated!!! Optum is WRONGFULLY withholding this acount holder access to their funds!! I want to transfer this account to another HSA account ; Optum Bank is acting unethically and illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Unsolicited decrease in credit limit. Extreme damage to credit score. Citibank

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 2022-12-19
Company: EQUIFAX, 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 Reportingact. the list of accounts below has violated my federally protected cunsumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX # XXXX .XXXX XXXX XXXX  # XXXX. XXXX XXXX # XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. states i have right to privacy.

15 u.s.c 1681 section 604 a section 2 : it also states a consu, er reporting agency can not furnish a account with my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency maymake any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurat.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Source Receivables Management LLC
State: TX
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 spoke with XXXX on XX/XX/2023 about account # XXXX with XXXX  XXXX XXXX I ask her to send me the Original Debt Documents she informed me that she did not have them so I am asking that Source Receivables Manag remove it from my Credit it has no date of the Original date the Amount of the Debt is {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX I started an account with MoneyLion ( XXXX ) and was approved for a loan of {$500.00}. This was approved and paid successfully with the last payment listed for XX/XX/XXXX. This acct was paid satisfactorily, which prompted me to use Money Lion a second time the following year. Starting XX/XX/XXXX I opened another installment loan with MoneyLion for another {$500.00} ( XXXX ). This acct was also paid in full and reported to XXXX and XXXX, with the last payment being made and reported on XX/XX/XXXX. Again this was satisfactorily paid all payments were on time and the acct has been in " Paid Staus ''. This concluded my business with Money Lion. I have never reached out for any further Installment loans, yet there is another that was opened fraudulently. Less than 30 days after my last payment and closing of the 2nd acct, there was another opened for {$500.00} on XX/XX/XXXX. ( XXXX ) This account is Fraudulent, I did not request this to be opened. I brought this to Money Lion, explaining that I have been a victim of ID Theft, and this acct opening confirmed it. My previous business with Money Lion was all payments made on time, and all accts paid in full. Yet this account has had not one payment made ( not like me ) and has since been a chargeoff and placed in a Derogatory Staus on my credit reports. I explained this to a Supervisor at Money Lion named XXXX XXXX She stated that the debt is currently rising and is now over {$500.00} due. I formally disputed this amount and requested information pertaining to the sign-up that was initiated on XX/XX/XXXX. I requested the XXXX XXXX XXXX with proof that I was the one who signed up. I was told that the XXXX XXXX would be investigating and will get back to me. They emailed me 2 days later and stated that due to the information they have in their system they are confirming their debt as mine, I have included a copy of the email decline. I feel that Moneylion did not investigate properly or they would see that not only did I only utilize Moneylion twice, but both times MoneyLion was paid in full with no issues at all. The nonpayment attached to the third should have this account associated with fraud, due to no one payment being made. If this was my account it would show payments made. I am consistent in paying back my loans.

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