BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 credit card was opened in XXXX 2022 it had a credit limit of {$2000.00} and I did not open a credit card with this company. I now have a balance on my report in the amount of {$1100.00} of which is fraudulent. I have reached out to a lawyers office for counsel in this matter. I am hoping that I will be able to handle this matter myself without retaining counsel and this fraudulent information removed from all three credit bureaus. This is impacting my credit badly. I have filed a report with the FTC online about this matter.

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 2021-05-06
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have made a transfer on XXXX through Moneygram and as usual, they say it will take 3-4 business days to complete. However, as of today XXXX the money has not been delivered to the recipient yet. I kept calling them and they say the money has been delivered to their local bank but they have never got feedback about if they transferred the amount to the recipient 's bank. Within this time I have made transfers through XXXX and XXXX smoothly. It's my first and last time to use Moneygram 's service and I hope I get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Was not notified of investigation status or results

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 ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 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 XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA 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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate & unknown things on my credit report. To this day over 60 days later I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had an account with Gap. I went on vacation and return 4 days late and paid the account which I thought I had five days. They reduced the limit which surprised me and I didn't question it but continue to pay the account down vying not use it again and just stop buying from Gap. Well little did I know it wasn't Gap it was Synchrony Bank causing such horrible fess about nothing. My account was always 100 % paid on time except for that one time. I continue to pay my account and finally down to zero. Today I received a noticed stating my account was being closed based upon paying and credit score. They talk about credit score, what they did by closing my account which I OWNED THEM NOTHING cause my score to drop by XXXX points. I am in the middle of closing my first home and this may cause my sale not go through because of this. 

THIS IS WRONG!!!!! CAN THE CONSUMER FINANCIAL PROTECTION BUREAU do something!!!! THIS IS NOT RIGHT OR FAIR I did nothing wrong WHATSOEVER!!! I don't even own them any money. I get the bad end of the choice that Synchrony Bank makes and did nothing wrong. I consider seeking legal action.

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 2022-12-12
Company: EQUIFAX, 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:
I did not authorize nor consent to the following inquires being furnished on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  XXXX XXXX and XXXX  XXXX 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. 

Also these inquiries are not mine 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 2023-06-09
Company: Resurgent Capital Services L.P.
State: MI
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:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, LVNV FUNDING LLC used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. LVNV FUNDING LLC reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I found out 8 unauthorized fraud transactions appeared on my credit card. I called customer service right away to stop and dispute the charges. 

On XX/XX/XXXX four charges were placed back by XXXX XXXX for {$1300.00} due to the unauthorized merchandise arriving at my house. The merchandise said they didnt receive any fraud information from the bank. I didnt have information to return the packages ( such as email order confirmation ) and online support did not help to give me return labels because it was past their 30-day return window.

I returned the 4 boxes unopened to the local store. They took and scanned all the items, giving me a refund of {$670.00} on XX/XX/XXXX. Due to seasonal pricing change, the difference of {$1300.00} - {$670.00} = {$710.00} should be returned. 

They has all the merchandise and hasnt lost anything. {$710.00} is still on my closed credit card statement. The merchandise said they can not do anything and that only Bank can return the money to me. 

The situation has gone on since XX/XX/XXXX and I handed in my appeal to the bank, they did not look at my case carefully, on and off several times, remains unresolved it. Bank should have protected my credit card information from being used. I am looking for the remaining charges removed. All the information above is true and statements of fact.

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 2022-09-27
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: Account status incorrect

Complaint:
I'm filing this complaint against XXXX XXXX XXXX and all the credit reporting agencies because they are reporting inaccurate account status on the credit report. The account is for a 2021 XXXX XXXX XXXX and I got this vehicle last year. I noticed a delinquency remark on the credit report and I contact them because my payments go through thoroughly always and I have a flawless credit report. XXXX continues to report a delinquency to the credit report and the credit reporting agencies continue to be in a bias state that they do not accept dispute. I'm disputing the delinquency that was stated for earlier this year. I contacted XXXX and informed them that I always make my payment on time and they need to rectify their records and report accurate information. XXXX claims that they never received a payment. I have made my payment as I said always. XXXX claims that I am requesting a courtesy delinquency removal and they will not do it because they are protecting their brand. I do not care about their brand, all I care about is that they report my information accurately because I have never been delinquent in any of my payments. I always make my payment on time. If their systems did not process the payments quickly its not my problem, it is their problem and they need to solve their own issues internally not make falsified claims. I am not delinquent on my payments and I'm always on time with my payments. I tried to contact XXXX before making this report with the CFPB to have my issue resolved however, they continue with their claim that they are protecting a brand royalty which is still unclear thus far. Their brand royalty is not my problem but they better fix this delinquency report they falsely claimed because it affects my position as an investor and as a consumer.

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 2022-04-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX, I had checking account with the Citibank for over 20 years my account number was XXXX, and this account was closed due to some suspicions that Citibank had and I was recently told {$3000.00} deposit on XX/XX/2021 is the reason, this deposit came from XXXX XXXXXXXX XXXX credit card which was under my mother 's name her name is XXXX XXXX, I am authorized user on that account as well, and hold same credit card with same number. 
Now Citibank had closed my account and never sent me any documentation explaining the reason for account closer or allowed any solution for me to get the remaining balance back. I was refunded {$4100.00} by official check and {$3000.00} was never refunded to me. my account balance was {$7100.00} wen account was closed. 
I've been calling Citibank for past 4 months I had made over XXXX phone calls and I am not getting anywhere, no help was offered most of my phone calls are being terminated by simply saying they don't have any more further information to give it to me. 
I do have all the supporting documents to clarify any misunderstanding Citibank had, I like to request to CFPB team to please take action this fund has been held up with Citibank for over 4 months now, please help me get my $ XXXX.Back If you have any questions or need more information, explanation or supporting documents please do not hesitate to contact me I can be reached at. 
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 2020-04-07
Company: CCS Financial Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
From my home loan account, Bank Of America ( BOA ) paid, in error, my yearly home owner 's insurance premiums twice : once to the correct company, XXXX, in the amount of {$800.00}, and then in redundancy to XXXX XXXX in the amount of {$1500.00}. 

I switched providers, because the rates at XXXX were too high for me. I notified BOA of this change over a month before this bill was due. I even had a 3-way call with BOA and my new insurance company, XXXX. BOA knew to pay XXXX. Without my consent, they took money out of my escrow and paid both companies! Now, they won't credit my account, let alone admit that they made a mistake. The arrogance that I've encountered with their customer service employees is epic! 

I have called BOA numerous times about this mistake, spending many hours on the phone trying to remedy this problem, and no one will credit the funds back into my account. Each time I call, I get a different person with a different story. Each time I am told to wait. Sometimes I have been told to wait 3-5 days, other times 7-10 days, and the last time, XX/XX/XXXX, I was told to wait 30 days by a " supervisor. '' I have made 2 monthly mortgage payments that are higher than necessary, because this error has created a shortage in my escrow, which has significantly increased the amount of my mortage payment that is due monthly. BOA has refused multiple times to do a new escrow analysis, stating that this can't be done until the {$1500.00} premium has been recovered from XXXX. This is extremely frustrating, because they are the ones who won't credit back the funds that they took in error from me and gave to XXXX... supposedly. 

I have went as far as contacting XXXX myself trying to recoup the funds. I asked XXXX to return any funds that they may have received. I was assured that no check had been received or cashed, because I had canceled my policy with them. The XXXX representative told me to call BOA and request a " stop check. '' I informed her that I had already asked for that and had been denied. 

I believe that BOA has been given more than ample time to resolve my concerns, but as of this afternoon, BOA still has not. I'm beginning to wonder if they plan to remedy this problem at all? Any help that you could render would be greatly appreciated.

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 2019-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
A few months ago I discovered that Experian was charging me a monthly fee of {$23.00} that I do not recall authorizing. At the time I experienced difficulty trying to get the payment cancelled. I located several telephone numbers related to customer service, but not once was I able to get in contact with a real person. The system is automated and is very limited on the options. There was no option to either speak to a person and/or cancel membership. This month I was again hit with the charge, even though on XX/XX/2019, I received notice that the membership was cancelled ( in response to an on-line notice sent by me to Experian. I was again billed in XX/XX/2019 and again this month, XX/XX/2019. On top of that, I initially tried to cancel membership as early as late XX/XX/2019, but was unable to contact anyone to handle this. After discovering the most recent charge, I wasted another hour trying to contact Experian Customer Service XXXX XXXX. I was able to log into my membership and discovered they still showed my credit card as active for billing purposes. I cancelled the credit card, so hopefully there will be no additional charges. I content Experian owes me refund for the last XXXX payments in the amount of {$71.00}.

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 monetary relief
Consumer complaint received 2023-02-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
To whom it may concern, My name is XXXX XXXX. I am writing this email to forward a grievance towards Navient. This company has made it aware to me that they took over my government loans from XXXX XXXX some years ago. As of this time there is a XXXX XXXX with Navient due to Navient not helping student borrowers legally, and thus forcing them in further debt. I have spent many years fighting with this company. I have done my best to make monthly payments as required. However, there is a Private Loan I had to take out in XXXX  to fully help pay for college. Navient now has control over it and has refused to offer any financial help with this loan. I have been unemployed for over XXXX  months now and was forced to move due to poverty. I am unable to hold a job at this time due to a temporary XXXX. My XXXX XXXX was XXXX XXXX and I have a XXXX coming up this weekend that will further prevent me from working for another several months. As of this time I am broke, jobless and homeless. I am staying with someone at this time for help. I am in complete pverty and XXXX. I have contacted Navient for help but they refuse to offer any help for this private loan. Instead, they increased the loan to XXXX  % interest rate... This is cruel and absurd. I have had this loan since XXXX  and have been paying for it for over XXXX  years. Navient has been taking advantage of me over XXXX years and I can not find help. I have contacted Navient on multiple occasions and they refuse to help .... Navient also has several Federal Loans of mine that they refuse to put on " Government Payment Pause'.. I thought this was illegal.. I have recently learned of a class action lawsuit towards Navient about their Unlawful practices.. Here is the website link to the Lawsuit. https : //navientagsettlement.com/Home/portalid/0 I am begging for help, and Navient has taken advantage of me long enough! Please contact Navient and wave this private loan since I have paid more than my share and I have had enough of them taking advantage of me! I have an account with studentaid.gov. and they informed me to contact you! Please email or call as well. Please help..Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation