BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made a transaction through money gram to my wife, her card was shut off in her app so within 3 minutes the transaction was cancelled, I received an email from money gram stating I would have my refund within 24 hours, XXXXXXXX XXXX  was the card I sent the $ from its the XXXX XXXX XXXX XXXX card I sent it to my wifes XXXX XXXX card, I received emails from both banks stating everything is cleared from this transaction and money gram is refusing to give me back my money this transaction was done on XXXX XXXX its now XXXX XXXX seven days have passed and they have refused to help through the online chat I was told they could expedite the process I spoke to a manager on the phone and no one will do anything, this money was sent to my wife for her to get home shes stuck XXXX miles from home and now has ended up in the hospital from a heat XXXX and our minor child is with her and this company refuses to give me back what was promised within 24 hours and their staff told me the process could be expedited and yet shes sat there a week now and I cant get my money back to either have someone help her get home or go to her myself and bring her home because in my opinion with all this prior emails etc I feel like this company is stealing my money when they refuse to refund me or even do anything in an emergency situation even management refuses to help I need my money immediately its not theirs to keep the transaction amount with their fees was {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: CL Holdings LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have an old debt on my credit report and they keep changing the date that it was incurred. This debt was reported originally in XXXX and its now saying it was opened two years ago. I have disputed it with XXXX a couple of times over the years and nothing changes. I have had no contact with the creditor and there is no reason for it to be re-started. I have attached past reports, showing it being closed and then they re-opened it again in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This original company was aware of identity theft due to my military status. After agreeing to REMOVE the negative debt since I never applied for it, they charged it off and the collection company continues to reage the debt resale and has damaged my militaryservice record and hurt my credit. The debt is NOT mine. I have requested copies of original contract, proof of legal right to collect and proof of verification method nothing has been given to me. They continue reporting this debt year after year knowing it is not mine and continue to make threads and damages my military record and my credit.

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 2023-06-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I reviewed my Consumer Reports and noticed that I had over 7 years of charge off reporting activity. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I keep applying for the card but I keep getting told that they arent al Blue to identify who I am. I have tried this on numerous occasions and have talked to representatives on numerous occasions. I am told that I do not know how to upload a copy of my ID into the system. However, this is the only credit application where I am required to do so, and I am denied as a result. No one in their right mind doesnt know how to upload a copy of their ID photo into a system in the year 2021. I have tried asking to speak to a supervisor, but no one contacts me back. My application is just denied. I believe that it's because my photo ID shows a XXXX face.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Used to have my mortgage payment to XXXXXXXX XXXX XXXX XXXX they sold it to pnc and pnc bank making a hard time to take a payment I dont know what to do I tried XX/XX/XXXX to make a payment so I got a person and explain it cost XXXX dollars or simple to do it by the automatic system so I follow the instructions but couldnt get true Would appreciate to to switch back to XXXXXXXX XXXX XXXX XXXX there was so simple

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: ND
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  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: Experian Information Solutions 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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX 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 2019-09-17
Company: ERC
State: LA
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 about XX/XX/2019, this supposed debt existed with a debt collector, named XXXX XXXX. I exercised my right, and questioned the validity of the debt. The creditor promptly deleted all files from all of my credit reports. On XX/XX/2019, I received the attached notice from Enhanced Recovery. The letter was dated on XX/XX/2019. I mailed Enhanced Recovery, the same day after receipt, via certified mail, questioning the validity of the debt. I explained to them that this " debt '' was sold to them by XXXX XXXX in my letter, that I have attached, because the debt could not be validated. According to the USPS, my letter questioning the validity of the debt was received by a representative from Enhanced Recovery on XX/XX/2019. I waited the 30 required days from the date of receipt for validation of the debt, and did not receive anything from Enhanced Recovery. I routinely receive updates on my credit reports, and this morning, XX/XX/2019, I received notification that Enhanced Recovery reported this supposed debt to the credit bureaus. I reviewed my report directly from Experian, and it shows that this " account '' was opened on XX/XX/2019, so Enhanced Recovery not only did not validate the debt with me after I requested them do so. They assumed this debt was " valid '' without providing me, the consumer, proper verification of the " debt ''. This adverse action committed by Enhanced Recovery has severely hurt my ability to obtain credit. I have been searching to obtain a home for my family, and this drop in my credit reports could potentially cost my family thousands of dollars. This action is malicious, and they have violated Fair Credit Reporting Act 611 ( a ) 1 ( A ), Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Fair Credit Reporting Act Section 617. I followed the law, by asking for proof of this debt they are reporting, and not only did they not provide it to me. Enhanced Recovery reported it adversely to the credit bureaus. Enhanced Recovery broke the law, and hurt my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I requested what method of verification of they used to verify the bankruptcy that is being reported on my credit report. On XX/XX/XXXX I received a letter from TransUnion stating that they verified the bankruptcy through XXXX XXXX XXXX Illinois. I reached out to XXXX XXXX via mail and they returned a letter on XX/XX/XXXX stating that they do not verify or communicate with third parties or credit bureaus. 

On XX/XX/XXXX I mailed letters to TransUnion requesting the removal of the bankruptcy # XXXX that is reporting on my credit report. I sent them the original letter from XX/XX/XXXX, TransUnion investigation results letter from XX/XX/XXXX, and a letter from the XXXX XXXX stating that they do not verify or communication with third parties or credit bureaus. 

On XX/XX/XXXX, I sent in a second set of all the letters listed above via mail. Both mail attempts were sent certified and signed for by someone at TransUnion. 

As of XX/XX/XXXX, I have yet to receive anything back from TransUnion in regards to this investigation.

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 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had communicated with your customer service representative regarding my account, specifically related to CAPITAL ONE XXXX Date opened : XX/XX/2018 Balance : {$630.00}. During a recent phone conversation with one of your representatives, I was grateful to receive their verbal agreement to removal of the late dates and negative status of the aforementioned account. While I deeply appreciate this understanding, I understand that a formal goodwill letter is required for the agreement to be officially recognized and implemented. I am writing this letter to formally request a goodwill adjustment based on the agreed-upon terms. The commitment made over the phone has a significant impact on my financial situation, and I believe that formalizing this arrangement will contribute positively to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
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:
XXXX sold my private information to three credit reporting agencies without my written and/or verbal consent which violates my right to privacy as a federally protected consumer. I have taken action to get the information removed/deleted from one credit reporting agency , which is Equifax. This violation has hindered my credit scores for years in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX shows a residential address on XXXX and XXXX as well. I want to no who and why this company is showing on my credit report on XX/XX/2018 report file # XXXX as to why they pull my credit under Account Reviews Inquiries on my Transunion report. I have not applied for anything with this company or given them permission or sign anything or contract giving them permission to pull seek or obtain any credit information by me or consent to pull credit. 
Transunion has no justification to why this company is listed as a residential address as XXXX XXXX XXXX XXXX XXXX CA XXXX Also Transunion should be held accountable to my credit report for damage/ ( s ) to letting a company pull my credit. Proof of my signature or consent needs to be provided by this company if there a legal company as to who sign or committed fraud under my name. Also page 11 of 12 Transunion shows the information file # XXXX date issued XX/XX/2018

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 2023-06-01
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$580.00}, XXXX Balance : {$34000.00} XXXX XXXX Balance : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
comerica bank has stolen XXXX $ from me for the transaction by the franchise XXXX XXXX ( XXXX ). XXXX charged XXXX $ on XXXX, XXXX, 2023 under the merchant name XXXX XXXX XXXX  ( and not under franchise tax board, which is illegal by XXXX and comerica bank both are manipulating bank statement records ) and also the total amount charged that shows up on the statement is {$1500.00}, which included {$100.00} processing fee by the comerica bank. comerica bank should have done a separate transaction for {$100.00} debit fees and did not do that and obviously manipulated my bank statement records too. And XXXX gave me the credit for XXXX $ but comerica bank is not giving the credit for {$100.00}. Mistake was done by the franchise tax board, they told me, they could not find my tax return, and when I called in, they found it and reversed the charge. This is not my fault. comerica bank should go after XXXX, and not me. Comerica was already stealing money out of my account in the amount of {$1400.00} for the XXXX. And now is charging me XXXX $ too. And on top of that comerica manipulated bank statement so that XXXX $ won't show up as a separate transaction on the bank statement. {$100.00} charge is added to XXXX charge of {$1400.00}. This is bank fraud. For example, if I make a charge of XXXX $ at XXXX XXXX Restaurant, that does not mean comerica can charge me XXXX $ for the dispute and make it {$30.00} charge to me and not show it separately on my statement. This is total manipulation of the legal system. I have spent a lot time talking to comerica employees, and comerica should pay me XXXX $ extra in addition to the XXXX $ for all the time and trouble that comerica has caused me. And also straighten out the bank statement that will show a charge of XXXX $ as a separate transaction. 
Just for the record XXXX reversed the {$1400.00} charge on XX/XX/2023. 
Moreover, I did not owe {$1400.00} to XXXX, why comerica bank was stealing money out of my account for XXXX, comerica bank should pay the XXXX $ charge and pay me extra $ XXXX for my time and troubles. 
Moreover, if any one made a claim of discrimination, they need to prove their claim of discrimination, because my father is XXXX, my mother is white, I look brown, and I am originally from XXXX, which is an XXXX  country.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: WELLS FARGO & COMPANY
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
As the surety I have begun the process of correcting records, discharging and notifying all entities employing the ALL CAPS name of the new stipulations. 
Notice of Subrogation/Surety and stipulation were sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of tender was sent XXXX XXXX XXXX  RE : XXXX XXXX XXXX XXXX notice of tender was sent XXXX XXXX XXXX  RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tender was sent XX/XX/ RE : XXXX XXXX XXXX Acceptance of discharge was sent XXXX XXXX XXXX 
RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt assignment, Rescission of signature and intention on writ was sent. 
XXXX XXXX XXXX Cert # XXXX XXXX XXXX XXXX XXXX XXXX. Exoneration notice sent It was never my intention to be part of a trust whereby I was not the beneficiary. 
Wells Fargos only response is to say the debt is valid. They have redeemed the {$21.00} money order sent on special deposit commingling funds.

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