BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023, I sent {$400.00} worth of money to my brother in XXXX for his school fees via Money-gram online mobile wallet service. After I received the reference number, I sent it to my brother via XXXX. When I checked in with him if he received the money he replied, No and he had not received it yet. I was a bit confused because it was suppose to be instantaneous. 

I decided to call Money-gram customer service. They told me, give it 24 hours and if my brother, the receiver did not get it by then, call them back. 24 hour came and gone and still no money was in his mobile wallet. I called Money-gram customer service again, this time they told me, there is nothing they can do but give it 90 days to get some resolution. 

I contacted my brother to tell him the disappointed news and he wrote back a message via XXXX saying that the money was received by some other person which seems to have the same number as him, weirdly, however, the person contacted him to let him know they wanted to make sure the money get in to the right hands but my brother has to get in touch with the sender company to get the money properly transferred in to the correct account. All of this communication between my brother and the other person was screen shotted and later used to sent to the companys email. 

I was glad to get his information from my brother and shared it with Money-gram team, however, when I contacted money-gram via phone call to speak with their customer service rep and told them the good news, the rep told me to email the screen shot conversation. I did exactly what she said. I called back the next day to verify they got the email but was told that I have to continue waiting the duration of the 90 days before they can get to the resolution of the problem. 


I was extremely disappointed to hear its going to take 90 days in order to get some answers as to what happened to the money so I kept on calling them every week and it has now reached over 45 days and their response has been the same. My brother still havent gotten the money and currently can not attend school until he received the money. He is missing out on his college education and we still have no answers, besides wait until 90 days. 

I refuse to wait the entire 90 days for them to continue to tell me the same message ( That my brother recieved the money ) which I know its not true. I am extremely frustrated, mad, and confused on what I can do to get my money back. I would like to take them to small claims court but I know I have to try this step first before that. Can you all please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Citibank offers the Costco Anywhere Visa and it was closed due to not providing a copy of my Social Security Card. Odd however its up to each financial institution to figure out how to limit risk. 

As a result of my negligence to provide its was closed without informing me and I still had a balance. In an attempt to be responsible I paid it off in full. As a result I had an overpayment of, {$96.00}. 

After multiple requests to return the funds to me with Customer Service theyve falling on dead silence. The most recent request is XXXX  however I still have not received the funds to me. 

Im hoping you can help me with this matter. The amount feels trivial but regardless a XXXX dollar institution can not find a way to get money thats owed to me.

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 2019-09-17
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:
XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$1900.00} on XXXX , XXXX from original creditor XXXX XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) We moved into Unit XXXX and shortly thereafter we saw that the apartment was being invaded by cockroaches and we also saw mouse or rat droppings scattered around the apartment. We immediately contacted the building manager to let them know what we were experiencing however, no action was taken. We also let the building manager know about an extremely noisy vent unit in the bathroom and the decaying ceiling in the bathroom. Several weeks had passed and no action was taken to fix any these issues. My son was having health issues due to the increasing deterioration of the Unit. I have attached several photographs to verify the location and Unit number of the apartment in question. Picture 1 shows XXXX XXXX sign and address ; picture 2 shows the deterioration of the bathroom ceiling and ceiling vent ; picture 3 shows the front door of Unit XXXX. Clearly you can see that the front door does not close properly because it is cracked and bent. Picture 4 shows the extremely poor condition of the exterior of Building XXXX ; Unit numbers XXXX. Picture 5 shows a larger view of the front of Building XXXX ; Unit numbers XXXX. Picture 6 shows the bathroom floor ; the cracked walls ; the gaping hole in the floor ; rotting drywall ; baseboards coming apart from the walls. This is where the cockroaches and other rodents may have been entering the apartment as well. After numerous attempts to get the building manager to fix the living conditions of both the interior and exterior of the apartment, we had no other choice but to vacate the premises. I have attached a copy of the letter from the City of XXXX dated XX/XX/2017 verifying we did report these issues and that the apartment manager had been informed of these issues, but that they did not fix the problems. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2023-05-05
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: Their investigation did not fix an error on your report

Complaint:
Trans Union and XXXX have been reporting XXXX collection accounts who have violated the Fair Debt Collection Practices Act. XXXX XXXX XXXX did not provide me with notice of debt and allow me to dispute their claim and when I did become aware of the collection accounts I requested validation letters with proof of ownership required under Fair Debt Collection Practices Act but the information was never provided. I have requested that both bureaus remove these accounts and have even requested the verification in a complaints filed here at CFPB but nothing has been provided and the accounts remain open my report as of the date of this complaint.

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 2023-09-22
Company: Netspend Corporation
State: NC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Netspend XXXX XXXX account is refusing to allow me to use my debit card however this company is still deducting money from my account to pay for my monthly charge even though I'm not allowed to use my own money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: IA
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX How is XXXX XXXX reporting the account type as Open, while XXXX and Equifax is reporting the account type as collection? Which one is it? Is it open, a collection account or is it charged off? 
Why are there so many missing fields of information? Did XXXX not supply that information to you? 
XXXX XXXX and Equifax are reporting the date last active as XX/XX/2022 and XXXX is reporting it as XX/XX/2022. Which date is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2023-04-01
Company: Experian Information Solutions Inc.
State: OR
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 sent a valid copy of a valid police report to Experian and they are still refusing to correct errors on 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 2023-10-26
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am paying monthly automatic payments. i needed to lower the payment amount and did so but they told me it is not enough and threatened to follow through with the law suit if i didnt raise the payment amount in XXXX. I was under the impression that as long as i was paying for it they could not dictate the payment amount or threaten me if i didnt pay the amount they want. It felt terrible and after thinking it over the last couple of months i decided to file the complaint that professional credit made me feel like absolute garbage and that my financial well being is in danger having to pay more to this agency. 

I did not realize the payment had been declined and stopped so i reached out to them to start payments at a lower rate than i was paying before. the woman i talked to said what i was offering to pay ( which is all i can afford and still feed my kids ) is not enough and i will have to raise it in XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$1400.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$78000.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-10-27
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was injured during a car accident which left me XXXX  I contacted the company to see why I was charged when I have insurance coverage of {$1000.00} on all emergency transport they said no I have to pay out of pocket then proceeded to say they would sue me and now keeps calling like 3 times a day every few days this has to stop I ask that this account be rectified and deleted from my consumer credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/23 Equifax, received my dispute for 3 remaining accounts. However, the accounts are not being removed reported as accurate and verified. I contacted each creditor which is XXXX XXXX, XXXX XXXX and XXXX XXXX. They agreed to investigate and remove these accounts. Unfortunately, equifax is not honoring my dispute. Here are facts and factual information to support each dispute alone I will upload the support in the attachment section. Which you can see the inaccurate information and no data on Date closed, Term Duration, No Actual Payment Amount, There reporting two different balances one for {$500.00} and another for {$420.00}. Thats against FCRA LAWS. Each account has numerous of missing information. They refused to update or removed this information alone with these fraudulent accounts. If nothing is changed I will file a small claim with my local justice court system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was contacted via Postal Mail on XXXX XXXX about a XXXX credit card debt that went to concerning an affidavit " Request Writ '' for garnishment ( nonperiodic ) to XXXX District Court XXXX XXXX XXXX MI XXXX, case # XXXX. It was filed against me by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX XXXX ) with many Attorney names with bar numbers included. Furthermore, I was the Garnishee and it Included Huntington National Bank ( the true creditor ) out of XXXX Ohio. XXXX : {$980.00} on XX/XX/XXXX total judgment with interest accrued to date {$63.00}. The total amount of the post-judgment cost accrued was {$40.00}. The amount of unsatisfied judgment due is {$1000.00}. The credit card was with Huntington Bank with the last payment made in XXXX XXXX I visited the Local Huntington Bank Branch and spoke with a representative asking if their bank would allow garnishment of my social security and pension benefits from creditors or third-party debt collectors. I was told yes if they pay a fee of {$75.00}. I further explained that I am XXXX old and retired and my wife who had XXXX XXXX contracted XXXX in the XXXX time frame and with transportation costs, medications help cause hardship as I explained to XXXX the debt collector also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I changed my home insurance company in XX/XX/2017 because they had raised my insurance premium significantly. My old company said they raised everyone 's premiums and it was not my fault ; nevertheless I found the new premium amount outrageous and contacted another insurance company and entered into a contract with them. The old insurance company had already been paid {$2000.00} by my mortgage company so when I switched I had to get the {$2000.00} back from my old insurance company and return it to my mortgage company ( Quicken Loans ). I called the escrow department at Quicken Loans and arranged over the phone to return the {$2000.00} back to them via my checking account information. I clearly told them it should be applied to the escrow account so that I did not encounter an escrow shortage. Nevertheless, the people at Quicken applied it to my loan instead of my escrow. I have called them repeatedly to tell them to apply it to my escrow account -- it was not my money! It was their money! Anyway, they verbally have told me that they have applied it to my escrow account but my online account still -- as of the middle of XX/XX/XXXX! -- states that my escrow account has a shortage. I asked for an off season escrow analysis and they said they would but they have completely ignored my request and have not remedied the situation and corrected my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with non-monetary relief