BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-24
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Sir/Madam, I moved in to XXXX XXXX Apartment Complex ( https XXXX XXXX ) in XXXX in XX/XX/2017 and since the day I moved in, I had so many issues. I filed official complaint on their website and through emails so many times. I got bedbugs and had small, weird looking bugs all over my room. They were coming in from the sink, windows and they  were everywhere. I am extremely clean person and I have XXXX for bugs. I start XXXX as soon as I see a bug. I also have XXXX XXXXXXXX. Maintenance went in to my apartment many times and sprayed and tried to terminate the bugs but they couldn't. It just affected my health as the bug sprays made me XXXX and I kept on having XXXX XXXX. Maintenance manager said as it's an old apartment complex, the pipes are very old and these bugs come in through water pipes and also through A/C filters. It's against human and consumer rights to force me to live in a such a horrible home condition. It's deceiving the consumer with nice pictures of the apartment unit and saying it's luxury and then I faced with the reality. Then I got robbed in my apartment at the end of XXXX. I also filed police report. That apartment complex is a horrible place to live in so I moved out in XXXX. The robbery affected me XXXX as I am a single woman and I could be killed if my dog didn't save my life. I don't owe this awful complex any money but they try to charge me for leaving the apartment and terminating my contract before due date. They're lucky that I didn't sue them. If I knew I'd have so many issues about cleanliness and safety, I wouldn't have moved in in the first place. So they cheated on me, misrepresented the apartment unit then tried to charge me for leaving the apartment to save my life and then sold my account to a collection agency. I would like this apartment complex to be investigated and get penalty as well as the collection agency. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion has a reported a Bankruptcy on my credit file on XX/XX/2023. The date reported was XX/XX/2023. I did not authorize transunion to report anything on my credit report. I spoke to XXXX at the Bankruptcy court and she said they do not report Bankruptcies. Transunion allowed a third party to purchase my information without my consent. Under the FCRA transunion is not a government entity but a publicly trading company which has no authority to report anything. 
These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the Georgia District Bankruptcy Court of Georgia, they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our mis-fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. XXXX or any other third party has violated my rights under title 15 and others

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 2018-08-16
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have collection items that I am disputing but I also see that these disputed agencies just from one credit bureau to another. 

Can they jump from one to another like that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ive sent multiple request to LVNV Funding, LLC. They only respond with request for me to pay them. I need more information on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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:
I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: MS
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 saw my credit report and saw accounts appearing on my report that I am not aware of, I contacted the credit bureaus but have not received any response. Below are the accounts appearing ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Our company, XXXX XXXXs being burdened by PayPal inasmuch as they have forced a 10 % rolling reserve on our account which means that, for every transaction that they process for us, they are preventing us from accessing 10 % of the money we receive for 90 days. I requested that the reserve be removed a few times between XX/XX/XXXX and XX/XX/XXXX with various customer service agents. Most of the customer service agents had no idea what they were doing or what they were talking about and their responses were not even relevant to the question but, most recently, customer service agent " XXXX '' told our company we can only request another " review '' of the account to have the reserve requirement removed in 180 days ; which would bring us to XX/XX/XXXX for our next " review ''. Then, I requested to know why this reserve was applied to our account in an attempt to ensure that we fix whatever is causing this reserve requirement before our next " review. '' 10 % is a large part of our operating budget for each order. At this point the customer service representative " XXXX, '' whose message responses I will attach to this complaint, indicated that he would not let us know why the account was given a reserve requirement because that is part of their " internal process ''. I beg to differ and I believe we have a right to this information as, without this information, they can simply slap this requirement on us, anyone, or everyone with no explanation ; possibly to use the money themselves for the interim period to unscrupulously earn interest. Therefore, I believe we have the right to know why the reserve was placed on our account or, if there is no reason, get it removed from our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My real estate taxes are $ XXXX/year and due on XX/XX/XXXX. As of my last statement on XX/XX/XXXX, Bank of America already has {$830.00} in escrow and will be taking an additional {$66.00} in XXXX and XXXX resulting in an escrow balance of {$970.00} to pay my {$730.00}. This is {$24000.00} more than needed. In addition, going forward they will have collected {$800.00} from me by the time my 2019 tax bill becomes due. My complaint is that the bank is withholding excess funds into my escrow account/

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 2018-08-16
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: Account information incorrect

Complaint:
Transunion has entered an item on my credit report that is reporting incorrectly and should not be on credit file. XXXX XXXX should not be listed on my credit report with negative information. I have attached information that shows a clean history with this account which is past the reporting time to be listed.

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 2019-07-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019 I received an email from Wells Fargo inviting me to open a checking account and offering me a {$200.00} bonus after qualifying transactions. The email stated : Banking is easy with Wells Fargo. Qualify for a {$200.00} bonus by opening a checking account and completing these steps : Open a new eligible Wells Fargo consumer checking account with a minimum opening deposit of {$25.00} by XX/XX/2019. Use your account by completing ONE of the following : Set up and receive 3 consecutive monthly direct deposits of at least {$500.00} each month within 150 days of when you open your account, OR Use your Wells Fargo debit card to make 10 posted purchases or payments each month of at least {$1.00} for 3 consecutive months within 105 days of account opening. 
On XX/XX/2019 I applied for an everyday checking account with an opening deposit of {$50.00} and used my personal promo code XXXX that was sent on the invitation email. Later the same day I received a confirmation email informing me that my account had been approved. I made 10 online purchases of at least {$1.00} on XX/XX/2019 with my debit card, another 10 online purchases of at least {$1.00} on XX/XX/2019 and another 10 online purchases of at least {$1.00} on XX/XX/2019 which satisfied the conditions of the offer. I was supposed to receive my {$200.00} bonus within 45 days after meeting the offer requirements and I did not so I contacted Wells Fargo through their message center on XX/XX/XXXX inquiring about the status of my bonus. I received a reply the same day telling me they were going to research the issue and would send me a letter within 14 business days. I did not receive such letter so I sent another message on XX/XX/XXXX inquiring about the status of the bonus and I was told the following A credit for the promotion wasn't issued because the requirements of the campaign weren't met. Here are the requirements that needed to be met to receive the promotional credit : Customer has not met following qualifications -Within 105 days, 10 purchases and payment, at least {$1.00} each, with WF Debit Card each required timeframe for 3 consecutive timeframes OR - Within 150 days, {$500.00} in qualifying Direct Deposits per month for 3 consecutive months.

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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

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 2023-05-22
Company: Climb Credit Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My name is XXXX XXXX XXXX, The companies involved are the XXXX XXXX, Climb credit, and XXXX XXXXt. 

I signed up for a coding bootcamp at the XXXX XXXX  and got approved for a loan for tuition from a third-party company that's associated with the XXXX XXXX, called Climb credit. The tuition/ loan amount was XXXX. I was told by the XXXX  XXXX  that you are not liable for the loan if you don't take the classes and have fully withdrawn from the course. 

I withdrew from the course as I had not attended any classes or did any course work and was expecting that to be the end of it. However, a few months later XXXX  connect emailed me saying that they would start deducting from my account. I called XXXX to dispute that I had already withdrawn and that the loan was never used and should have been refunded. XXXX  connect replied that the XXXX  XXXX  has never sent us an update on your withdrawal, and to contact the school again. 

I contacted the school again and was directed to the XXXX XXXX XXXX  team. Whom of which they replied that I had not been fully withdrawn from the course and needed my signature again. I signed the new withdrawal form and waited the XXXX  days that the refunds team asked for to process the withdrawal and the refund. 

A few months later XXXX  connect emails me again about my numerous late fees and how after XXXX  days of not paying them my credit will be affected because I have not sent in the monthly payments for the loan. I called and disputed again, and their response was that the initial lender Climb credit is still processing that refund under their portal and that they can not cancel the late payment emails. 

I am vastly tired of being ping ponged back and forth between these XXXX companies and assume that something fraudulent is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I recently purchased XXXX MoneyGram money orders in the amount of {$500.00} in a small town in XXXX XXXX, unfortunately these were stolen from my residence. Whom ever took them took the other portion of the MoneyGram money order check also. The checks were completely filled out by me personally to whom the receiving end would be with MY name & address on them. I have no way of finding these # 's on these $ orders & am getting NO help from MoneyGram at all without the numbers! I KNOW there could not have been very many orders purchased for that amount in this area. I also KNOW they have access 2 that kind of information & I have none. So now I am behind 2 months rent instead of being 2 months ahead! I have a feeling I know who stole them & could also figure out either where they cashed them or possibly deposited into there personal bank account. I can guarantee the orders were tampered probably with white out which should be a HUGE red flag but they more than likely they deposited them into their bank account after hours knowing there would be nobody XXXX question them. I doubt they even erased MY name from the orders plus u can completely see the handwriting difference in his writing & mine, it HAS helped me in my defense before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 This complaint shall be my follow-up to make sure that the listed accounts are verified and repaired.

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 2022-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 rewards from credit card

Complaint:
used my Bank of America XXXX credit card to purchase a hair dryer from XXXX XXXX on XXXX. The hair dryer stopped working on XX/XX/XXXX. Since XXXX only offers a 2 year warranty and I was offered a one year extended warranty though Bank of America, I filed a claim timely per attached. This claim was denied because according to the bank, they changed their card from XXXX to XXXX around the middle of XX/XX/XXXX, per the attached email and supporting credit card statements from XXXX and XXXX of XXXX. 
At first the bank denied the claim as they requested a copy of a repair bill, I asked them to read the transcript attached from the manufacturer stating I needed to include a repair bill. The manufacturer clearly stated it had to be replaced. 
The second time the claim was denied because they told me I used XXXXthe wrong credit card XXXX, so they asked me to resend proof the card actually changed from an XXXX XXXX a XXXX  which I did. 
After looking through my emails, which I attached bullet point XXXX on the XXXX accelerated rewards replacement email - I was encouraged through Bank of America XXXX continue using my card - when I now understand those benefits would not exist since their contract changed with XXXX XXXX 
In a nutshell, BOA is pinning me between XXXX and XXXX to attempt to get my {$420.00} back when this is BOA issue. Simply because they changed and keep telling me my benefits didn't doesn't make sense. I am requesting Bank of America refund me the money I am out for timely utilizing a benefit they keep telling me doesn't exist. 
All supporting documents show the purchase, full statement with the purchase, statements from when the card was changed, XXXX warranty information, chat with XXXX, claim, and emails from BOA stating everything is the same 'including benefits. ' I feel I am and probably millions of other people are being taken advantage of. This benefit is up to {$10000.00} per transaction for up to XXXX per year. I have been a customer for perhaps XXXX + years and I am asking for a {$420.00} benefit. I'm afraid they are doing this to potentially millions of customers

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 2023-10-27
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX XXXX ( Original Creditor : XXXX CXXXX XXXX XXXX  XXXX {$210.00} 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