BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 paid off an outstanding collections. The collections was removed but my credit score for TransUnion went down when my XXXX score went up.

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 2023-03-17
Company: Experian Information Solutions Inc.
State: GA
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 THESE 14 ACCOUNTS HAVE VIOLATED MY RIGHTS. 

15 U.S. Code 6801- PROTECTION OF NONPUBLIC PERSONAL INFORMATION 15 U.S. Code SECTION 602 A STATES THAT I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1861 SECTION 604 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN CONSENT XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-05-03
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018, I successfully sent a money transfer in the amount of {$600.00} online using MoneyGram to a family member in XXXX That family member went to an authorized MoneyGram cash pick up servicer and was advised that there was an issue and the money could not be picked up. I contacted MoneyGram and was advised by Customer Service as well as the Escalation department that " the receiver has exceeded their limit for the area ''. When I asked what that meant, I was told that " MoneyGram must abide by all regulations, local, state and government and our system is showing that the receiver has exceeded their limit for the area ''. I continued to ask the Customer Service representative what regulation are they abiding by and where could I find this information and the Customer Service representative could not provide any additional information. I asked to speak to a manager and was transferred to the Escalation Department where I was given the same information but they still could not advise what regulation they were abiding by that referenced a person receiving funds had exceeded a limit or even what the limit was. I would just like to know what regulation MoneyGram is required to enforce regarding a person receiving funds so that I can be best informed when sending funds. How can MoneyGram state they are abiding by a regulation and not provide the regulation they are abiding by? The end result was that they cancelled the transaction and advised my funds would be returned within 3-10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021, PayPal permanently limited my account. On XX/XX/2021, the company responded to a CFPB complaint with false claims that need to be addressed. PayPal mentioned that the main reason they closed my account was because : ( there was a high level of risk associated with your Account. Specifically, your Account exchanged several payments from an account that shares information with your Account. We can confirm the accounts share financials, address, and login information ). The account they're referring to is my wife 's account. Nothing is their terms and conditions prohibits members from the same household from having their own accounts or sending money to each other. I don't remember that we ever used the same payment method on the same account but most importantly, PayPal NEVER received a dispute on any transaction made through my account. Your review and closure of my account was not " periodic '' as you alleged, you closed my account after you closed my wife 's, post a phone call she made to your customer service. You closed my account based on false information and for that reason I'm requesting that you reinstate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, 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:
Entered into a forbearance around XXXX 2022 and agreed to due a deferral with first payment due XX/XX/XXXX. 

Made the XX/XX/XXXX payment EARLY on XX/XX/XXXX for {$1500.00} by phone to be applied to the XX/XX/XXXX payment. 

XXXX DID NOT UPDATE the website address for payment of XX/XX/XXXX, so I paid again, a second full mortgage payment on XX/XX/XXXX I paid twice because I was terrified I would be reported late, even though they received the payment on XX/XX/XXXX that was due XXXX. 

I learned on XX/XX/XXXX, my XXXX FICO score had dropped from XXXX to XXXX because XXXX reported 60 days late in XXXX. They are reporting 60 days past due on ALL 3 CRA 's - Equifax, XXXX, and XXXX killing my credit and financially ruining me. I was in a forbearance program, called XXXX three or four time to ensure this would not happen and verified my first payment due was XX/XX/XXXX with the deferral program. Despite paying twice and being in a forbearance program, XXXX reported 60 days late twice for XXXX. 

I was rejected solar financing for a loan due to a XXXX credit score. The solar loan would cost me $ XXXX instead of paying {$320.00} for electric bill. I am also in jeopardy of having my credit cards closed due to XXXX reporting 60 days late in XXXX. 

XXXX has ruined my credit and finances with their erroneous financial reporting to the CRA 's. They are also jeopardizing my finance with wrong statements made and requests asking me to make a XX/XX/XXXX payment they already received in XXXX. The next payment due should be XX/XX/XXXX, as they have received two payments since XXXX to XX/XX/XXXX, with the first payment due XX/XX/XXXX. 

Please help - forbearance under COVID was not to be reported late, yet XXXX reported 60 days late to each of the CRA 's, double billed me for the first payment due XXXX and has devastated my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Look at the attached documents. I want the bureau to start the investigation on these accounts that I'm never late for but they're reporting me as late

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 2023-01-05
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Square Inc has decided to deactivate my business transaction account on XXXX XXXX with no explanation as to why. In doing this they decided that they would hold money that my clients have paid me for services until XXXX XXXX. The amount that they are holding is {$2000.00}. 

This is an illegal method for a financial institution to hold customers funds without my knowledge and approval because they could be using it to reinvest or do other illegal financial transactions. 

I am an event center located in XXXX, XXXX. My company used square to process invoices, receive deposits and balances when customers hosts their events. Square required me to provide all state and federal documents verifying that my company is legally setup. The same information is also verifiable on local and national government databases. I also had to provide documentation to verify my identity and residence. There is no policy on Square Inc 's website that says that my company is not a supported business. Nothing says that Square Inc would hold my customers funds for services I provide, for an extended period of time. Square Inc could have just refunded my customer their money and let them pay me through another method.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i went to apply for a car and notice on my report multiplt credit inquiries on my credit rport i never inquired about XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5500.00}, {$6900.00}, {$8000.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my 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 2019-04-08
Company: JPMORGAN CHASE & CO.
State: AL
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:
# 1 CHASE CARD Closed : XX/XX/XXXX - {$5500.00} Closed Overview You're currently using 111 % of your account 's limit. 

Balance {$5500.00} Credit limit {$5000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Amount past due {$5500.00} Worst Payment Status No Info Account Details Account status Closed Type Flexible Spending Credit Card Responsibility Authorized User Remarks Charged off as bad debt Canceled by credit grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX # 2. 
Closed : XX/XX/XXXX - {$2200.00} Closed Overview You're currently using 104 % of your account 's limit. 

Balance {$2200.00} Credit limit {$2200.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Amount past due {$2200.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Authorized User Remarks Charged off as bad debt Canceled by credit grantor Times 30/60/90 days late 0/0/0 Closed These accounts belong to my Brother XXXX XXXX XXXX. I should not be on these accounts! I did not authorize my name being on these account.nor did I know about them until I investigated my credit. My older brother is in prison due to CC fraud and murder. Please help me these CC accounts are causing Lenders not approving me for loans and is effecting my credit score. Ive payed all my bills on time and my credit score is taken years to go up I didnt know about these fraudulent accounts. Im trying to resolve the issue but Chase want return my calls. Please help thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: CA
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 called XXXXEquifax after I purchased a credit report with XXXX on XX/XX/2022, After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous reporting on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/2022 I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX XXXX XXXX Balance : {$27000.00} Late payment status late will be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: LA
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:
all typed in previous report see complaint XXXX Equifax has vilolated the FCRA in reference to my credit profile.

in violation of FCRA 15 USC 1681 section 602 A 15USC section 604A section 2states that a consumer reporting agancy can not furnish an account without permission of the consumer, other vilations the company failed to provide any documentation regarding any of the disputes they had multiple data breeches, offered free reporting, and possible monetary compansation, never recieved companies listed wrong dates, incorrct balances no dates of last activity, all erronous information. Public Recoirds, Hospital bill which is a HIPPA violation XXXX date open XXXX XXXX XXXX XXXX ( 5 ) or more outdated all inaccurate information bankruptcy XXXX bankrutptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy XXXX XXXXXXXX XXXX  XXXX I also contacted the United State Courts in which Equifax and other companies stated this information was provided, The United States courts do not send, mail or deliever any information on consumers to any credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I settled a balance with XXXX ( account number XXXX ) On XX/XX/XXXX, they updated all three of my bureaus to reflect a XXXX  balance ( copy attached ). 

On XX/XX/XXXX, however, they have added a balance of {$280.00} to this account. ( example also provided ) This is a clear violation of my rights under the Fair Credit Reporting act. Reporting a balance that they know to be not true. I believe it is a willful violation and subject to the punitive damages allowed in a lawsuit.

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 2023-01-27
Company: XOOM CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
They refused to refund the amount. This what they stated in their e-mail : From : XXXX Customer Service XXXX Date : Wed, XX/XX/XXXX, XXXX XXXX Subject : Thank you for contacting XXXX Customer Service To : XXXX XXXX Cc : XXXX XXXX Dear XXXX XXXX, We are reaching out to you in relation to transaction XXXX in which you entered an incorrect bank account number. We contacted our partner to request cancellation of the transaction, but they were not able to cancel it or recover the funds. 

This claim has been denied and the case is now closed. If you'd like to request a copy of the documents that we relied on to make this decision, please contact us. You can also mail your request to : XXXX Attn : Customer Operations XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, CA XXXX USA In your request, include your name, the email address on your XXXX account, and the Case or Transaction Number provided. 

Sincerely, XXXX Customer Service Security | Legal | Privacy | Privacy ( USA ) | About Us | Locations | Help Center This email has been sent by XXXX, a XXXX service. XXXX is committed to preventing fraudulent emails. 

Both my wife and I have accounts with XXXX. On or about XX/XX/XXXX, we sent {$500.00} from my wife 's account to XXXX. The money was sent to the wrong account number ending in XXXX instead of XXXX. XXXX charged our checking account for {$500.00} on or about XX/XX/XXXX. We found the recipient has not received the money. Therefore, on or about XX/XX/XXXX, we sent {$500.00} from my account and XXXX c charged our checking account for {$500.00}. This time the money was sent to the right account ending in XXXX. Since then, we have tried to get a refund from XXXX and have not been successful despite spending 15-20 hours and exchanging various emails with no results. Every time I talked to XXXX 's customer service people they tell me it takes 30-60 days then 90 days and then forever. In the email above they refused to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Early Warning Services, LLC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Text message than phone call from XXXX Needed to send money to reverse zelle non authorized payment. Said they worked in XXXX bank fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Experian Information Solutions Inc.
State: MS
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 recently disputed an inaccurate report to Experian. After 30 days, I did not hear from the company. Therefore, I filed a CFPB complaint a few days ago. In an attempt to immediately respond, Experian did not fix the account. Instead, they published incomplete results and started a new dispute. What they did was illegal and unethical.

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 2023-03-17
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX bought a debt from a helzberg account I had. They have called me 4-6 times a day m-f and on some weekends the first time I picked up the phone the debt collector asked my why I fell behind and explained I had lost my job and have 2 toddlers and a wife to take care of. When he asked me to pay {$1400.00} in full today I said I couldnt. Then asked me to put money down and pay it off over the next 2 months. Which I replied that I couldnt afford it right now. He then proceeded to say What kind of father cant pay his bills Not a very good one which is when I stopped talking to them in XXXX of 2022. One year later, after thousands of attempts to call me at all time of the day, I got a letter from a lawyer saying that they had seen that XXXX XXXX XXXX had filed a suit against me. So I called to attempt to settle the debt again. They proceeded to ask me to pay the full amount right now or the lawsuit will garnish my wages and get their money back. ( This was around XX/XX/XXXX ) I said I was hiring an attorney and we can settle in court at which point he told me those are just ambulance chaser of the debt collection world and the court would side with them. Now on XX/XX/XXXX they call me again threatening suit and that I should settle now at which point I stopped him and repeated that I already told them I was getting a lawyer. Which he responded Well legally you have to give me his name and number for us to stop calling and I said again stop calling me and hung up. After calling me a XXXX dad and calling my phone at all time even in the evenings right up to XXXX knowing I had small children to get to sleep Im fed up with their ignorant tactics of abuse and threatening me. I have paid off other creditors but at this point I dont want to pay them a dime after they have continually harassed me and from what I have found out tens of thousands of other people.

Company response to consumer: Closed with non-monetary relief