BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I purchased a money order of {$480.00} on XX/XX/2020 to send it to XXXX to pay my loan that I took from my life insurance. I sent the money order to XXXX and they returned it back on XX/XX/2020 stating that part of their policy was not taking any money orders over the amount of {$250.00}. They said it had to either be a bank check or another payment method that's not a money order. I immediately called MoneyGram customer service to explain the situation and they advised me to take it to my bank or to the address of purchase which is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I took it to XXXX XXXX  and they refused to let me deposit and told me to contact MoneyGram. I took it to the original address of purchase and they also refused to cash it. I called MoneyGram again and they told me to take it to XXXX XXXX XXXX XXXX XXXX, NY. They also stated that if there was an issue to contact them. The location gave me a form to fill out and send to MoneyGram. They told me there was a processing fee of {$18.00} which I was unaware about. I called MoneyGram again and they told me to mail it back and if I don't pay the {$18.00} processing fee it would be deducted from the {$480.00}. They also told me to write on the back of the money order " Not used for purpose intended ". I sent it to them on XX/XX/2020 by First Class Mail. I called them on XXXX and customer service told me it wasn't processed yet and the quickest way was to do it online. She walked me through the online application on XX/XX/2020. Since then I have been calling MoneyGram because I need to pay my overdue bill and they are not helping me. I have been on calls where workers told me to wait and have hung up on me. I need this money quickly to pay my bill. I now have late fees due to this incident and there is no way to pay my bills. On XX/XX/2020 it still says that my replacement request is submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-15
Company: Millco Management
State: NC
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:
Amerifinancial Solutions XX/XX/XXXX {$630.00} ( disputed no action ) XXXX XXXX XXXXXXXX XX/XX/XXXX {$710.00} ( disputed no action } XXXX XXXX XXXX XXXXXX/XX/XXXX ( disputed no action ) In accordance with the credit reporting act, these creditors have violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-06-02
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I applied for an " accelerate savings '' account with Citibank back in XXXX XXXX 2022 ( because it had a good interest rate for my savings ). I never asked for a debt card, and was never told I would receive one. One day I try logging into the mobile app to pay off my credit card, and before I could login it asked me for a debt card number. This is when I found out they were going to ship me a card, but hadn't received it yet. I called them, and they said it's probably in the mail still. I waited a week or XXXX  and on XX/XX/2022, I got an EMAIL asking if I made {$5100.00} in transactions ( 13 total ). I was furious, because I never got a single call. The first transaction on this XXXX  card was on XX/XX/XXXX. I disputed it, a week later it was denied. I contacted the XXXX XXXX XXXX XXXX department, and got in contact with deputy XXXX XXXX, and got a case ID number XXXX. He started working on trying to get camera footage at the XXXXXXXX XXXX XXXX XXXX XXXX they visited, because all the other places delete the footage in a stupid short time. I disputed time after time, eventually I tried to get Citibank to contact my deputy, they said to have XXXX call them. XXXX called them numerous times, and those stupid people said " no one but the card holder can contact us about the account ''. Citibank asked for numerous documents from me, and I sent them everything including a scan of my driver 's license. Eventually I went to speak to the XXXX XXXX XXXX XXXX XXXX manager for myself, and they said they couldn't give me the footage without a subpoena. I asked them if they could save the footage and just not give it to me, but apparently they wouldn't do that either. A while later ( maybe a month or two ) I find out the casino doesn't hold onto the footage for as long as the deputy was told ( 6 months ), but rather they hold onto it for 3 months. Currently I am on the 12th or 13th dispute with them ( I WON'T STOP ), and they deny every single time, saying I had the card in my possession, when I freaking didn't. I was promised I would get the full amount back and the case has been resolved, and I would get a check in the mail in 1-3 weeks. It's been over a month and a half now, and now they're saying I won't get it back. I am currently XXXX, I'm not even allowed in a casino! This bank has to be held accountable! I deserve compensation not just for the money I worked hard for, but for the time of mine they wasted! I've called them probably 100+ times since last XXXX. Update : I've started working with my deputy again ( XXXX XXXX XXXX 's department ). I will not stop bothering Citibank and the government until I get the money back that I worked hard for.

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 2020-06-10
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax is showing a collection on my credit report from XXXX XXXX with XXXX XXXX XXXX as a client. 

I do not have a XXXX XXXX XXXX  account that went into delinquency in 2014 nor at any point within the statute of limitations of the Fair Credit Reporting Act. I have not received any communication from the XXXX XXXX XXXX in over 15 years. 

I contacted Equifax recently, and they claim they verified the debt as mine, which is not possible. Equifax did not send any documentation of this verification, which makes me wonder if their employees are just being lazy and waiting until enough time passes before saying they investigated but found nothing wrong. 

I would like the XXXX XXXX deleted from my Equifax credit report, as the other credit agencies have done. 

The account number I am providing is Equifax 's confirmation number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: JPMORGAN CHASE & CO.
State: IL
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:
i contacted chase regarding unauthorized purchases on my account the explanation given was that because i had my card in my position there fore they couldn't refund the unauthorized purchase. it was explained to them that i don't know who the vendor is and i haven't purchased or authorized any transaction. 

vendor : XXXX # XXXX transaction date : XX/XX/2017 amount : XXXX claim date XX/XX/2017

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Block, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I initiated a transfer from cash app to my bank on XX/XX/XXXX at XXXX and the funds were never transferred but were deducted from my cash app balance. I have tried to contact cash app support numerous times and they continue to ignore me, close my case and say the funds were transferred. I gave them my bank statement yesterday where it is clear the funds never went through and they still closed my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted disputes about unauthorized accounts, Personal information errors, and fraudulent activity opened on my credit report without my knowledge. My information was compromised during Credit Breaches. My information has been handled improperly. The inquires, collection, and personal information needs to be immediately removed. In accordance to fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681 ; XXXX XXXX XXXX XXXX Na XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EDXXXX XXXX Dept . of ED/ XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total loss paid Personal Name reported XXXXXXXX XXXX-error XXXXXXXX XXXX-error XXXX XXXXXXXX All reports XXXX XXXX XXXX XXXX- XXXX Addresses Reported XXXX XXXX XXXX XXXX Ohio XXXX needs removed XXXX XXXX XXXX XXXX Ohio XXXX needs removed

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 2023-06-02
Company: DISCOVER BANK
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed charges that I was unaware of my card and they are making me pay for them even after submitting evidence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08
Company: Avant Credit Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I was mailed a " Pre-approved '' letter from Avant. It said I was approved for a credit card with a {$1000.00} credit line. It was sent to my correct and current address. When I " accepted '' the " offer '' on-line, it was switched to a {$500.00} line, and showed my OLD, no longer valid address. I corrected the address on the web form, and it showed as approved. 

Then, I received an email to " remind '' me to activate the card. Which I have NOT received, because Avant apparently mailed it to my previous address which no longer is able to receive mail ( due to excessive THEFT issues with the USPS which they refuse to acknowledge. ) I emailed Avant to advise them that the card was not ever delivered to me, and they replied that I have to call them ( yet they never answer the phone ). 

Now, I have received a BILL notice email that my statement is due soon. FOR A CARD I HAVE NEVER RECEIVED OR ACTIVATED. 

It is FRAUD to bill me for a card that I have NEVER EVEN RECEIVED, let alone activated. 

Avant needs to be investigated and fined for their ineptitude and willful FRAUD. First Bait & Switch on the credit line, then sending the card to an invalid address that was corrected on the acceptance form, then BILLING for services NEVER RENDERED. 

Thank you for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
JP Morgan Chase duplicated a XXXX payment requested XX/XX/ for {$100.00}, by charging the counterparty TWICE on XXXX when only a single request was made. The {$100.00} was credited from counterparty 's account twice, and debited to mine twice. 

In reaching out to JP Morgan Chase, their phone line had a 60 minute estimated wait time with no option for a callback. They do not have an active customer service email address. 

Further, since this is a XXXX payment to JPMorgan from XXXX, JPMorgan should be responsible for repaying the counterparty the {$100.00} that was inappropriately charged by JPMorgan to the counterparty 's XXXX account. My account balance should not change as this is solely the error and responsibility of JPMorgan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Capital one bank is reporting a past due charged off credit account under my social ending in XXXX. This is not my account and is listed to a XXXX XXXX. 

My dob is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, XXXX Credit Bureau, and Experian Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact XXXX XXXX, XXXX Credit Bureau, and Experian Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.

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 2020-06-30
Company: PNC Bank N.A.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Hi I was trying to connect to XXXX and now I cant because my bank will not allow it. XXXX has been I great help for in the time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: MRS BPO, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today this company shows up on my credit without prior notification or any type of way to dispute it. this is illegal and the account is not mines.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ), it has come to my attention that you illegally reported my information to unaffiliated XXXX parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all credit reports and there is no known address or phone number to contact this company.

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 2023-03-24
Company: CCS Financial Services, Inc.
State: AR
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:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with an account listed as Credit Collection Services and validation was requested in the form of a dispute on XX/XX/2023 as this was an account that I did not recognize. I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect the account being disputed. I sent a second validation letter out today ( XX/XX/2023 ) requesting validation of this debt because it does not belong to me. Please remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called into TransUnion and XXXX to report fraudulent information on my credit file. There was another name listed on my credit file along with fraudulent addresses. They stated that they were unable to verify my identity on over the phone so I was instructed to mail in two forms ID. I mailed out dispute letters also 2 forms of ID. It has been 3 months now and they refuse to remove the fraudulent collections account on my credit file. This has been causing me not only financial hardship it has also been stressful. This is my final request for resolution before I seek counsel. They removed the names and addresses but the fraudulent accounts still remain.

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