BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-15
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am tired of dealing with Western Union for the issue i have been having with my transaction. I sent the money using western union bank to bank service but the receiver never received the money in the their account. It has been so long with this issue that i, myself have flown to the country where i transferred the fund through Western Union and have given the money in the receiver 's hand, but Western Union has not been able to solve my issue yet. Every time they call me and say that they have confirmed with the partner bank and have transferred the money. 
Even when i check the status of my transfer through their app, it says only delivered, NOT received. Attachment enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: NY
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:
Dear Experian, I see information on my credit report that is incorrect, can you please verify this is correct. 

In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account you post on a credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify their account have hurt my ability to obtain credit. Under the FCRA, unverified account must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. 

XXXX XXXX XXXX XXXX XXXX The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

In accordance with the fair Debt Collection Practices Act. collectors are not allowed to communicate with me under the 15 USC 1692C 15U.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 an account without my written instructions 15U.S.C 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items 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. 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported.

Once you have finished your investigations, send me an updated credit report to the address stated above.

Thank you.

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 2023-08-21
Company: Experian Information Solutions 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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$460.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/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 2021-01-13
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Quicken Loans is my current Mortgage servicer and I live in CA. 
XXXX XXXX from Quicken Loans started my loan refinance after several calls to my home phone. When I was given the Initial Disclosure, I agreed to start the process, This Monday XX/XX/XXXX I was sent the Closing Disclosure for me to review and acknowledge. I started checking all the numbers to see if there were any differences and I discovered a discrepancy of {$2200.00} in Section F line 01 in the prepaids section. My current loan escrow impound just paid {$1100.00} for my Home Insurance on XX/XX/XXXX and it covers my home until XX/XX/XXXX, but the money was paid from my current escrow impound because I keep track of payments of taxes done. 
Anyways there is a OVER CHARGE of {$2200.00} in the closing disclosure and I already talked to XXXX XXXX XXXX direct and still do not have a resolution to this. They claim they prepaid my home Insurance and thats the EXTRA {$2200.00}, But I know this is a Scam. 
They are trying to rob me if I had NOT pay attention to the Final numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On complaint # XXXX which was filed with The Consumer Financial Bureau about North American Credit Services the collection agency agreed to remove from all 3 credit file, all account with their agency while they rebilled to XXXX XXXX. The accounts that were placed with XXXX credit were removed. However the same account were also placed on my XXXX credit and were not removed a total of 13 more accounts. Can you please request the removal of the additional 13 account that were placed on my XXXX credit file. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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:
Experian offered me credit cards that were a high match percentage for me. If you look at my history youll see I hardly have XXXX hard credit check I believe it was in XXXX of 2023. Other than that since I signed on around XXXX of 2023 there might be XXXX in XXXX and XXXX for XXXX of this year and those are my only hard credit checks I have. 
So Experian tells me they found a travel card that XXXX a XXXX XXXX match for and I decided to go against my better judgement and thought with all its positive reviews let me go ahead and get this card. 
How was I declined based on XXXX XXXX XXXX  match for me, personally with this credit card? 
Now my credit score is going to take a hit and Ive been working so hard at it to bring it up that the XXXX time I do this I only did it because I had a XXXX XXXX match to it.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion ( XXXX ) Unauthorized Hard Inquiries XXXX ( XXXX ) Unauthorized Hard Inquiries Collection XXXX XXXX XXXX  ( {$150.00} ) Its been XX/XX/2019 3 Years 0 Months In accordance with The Fair Credit Reporting Act XXXX Account Has Violated my Rights. 

15 U.S. C1681 Section 602A States, I have the Right to Privacy. 15 U.S. C1681 Section 604A Section 2 It also States a Consumer Reporting Agency can not Furnish an Account without my Written
Instructions or Consent

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 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have fell into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Levy & Associates, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by Levy & Associates last XXXX after they filed for a judgement against me in XXXXXXXX XXXX  Oh on behalf of XXXX XXXX XXXX. 

I immediately requester validation of debt and was told the last charge was XX/XX/XXXX. 

I have no knowledge of this account, they said it was {$3200.00} ( approx. ) I had a family member living in my home over the past 10 years that I only recently as XX/XX/XXXX became aware that they were stealing from me, committing fraud in my name and XXXX XXXX XXXX. The situaltion escalated and in XXXX of XXXX after confronted they became XXXX  and then XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to go as far as replacing bank accounts, securing a civil protection order, home security system, etc. However I am still learning of favious fraudlent things they did. I believe they likely made these charges as they had access to my home, mail, bank account, credit cards. etc. 

I sent fraud affadavit, idenity theft complaint, etc. to XXXX XXXX XXXX XXXX XXXX and every month since I followed up being told they were investigating. Then XX/XX/XXXX I received notice they " disagreed '' and would continue collection efforts and to secure a judgement against me in XXXXXXXX XXXX XXXXXXXX. 

I called and asked what additional information was needed, what I could do and I was told my only option was to pay. I asked them what the charges were for exactly, dates, copies of signatures/receipts, etc. and I was told to contact XXXX XXXX. I have no information for XXXX, they told me to XXXX it and I did and could not find a mailing address or anything. 

They said the last charge was XXXX. This is not on my credit report. I have lived at the same address since XXXX and had the same phone number and this was not present. 

I did not place any charge with XXXX and do not know what the bill is for. I believe they should provide details prior to filling a court case against me for an alleged charge in XXXX also I don't know if it was one charge or many. I have no information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Experian Information Solutions 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 have filed disputes with Experian under Section 609 FCRA with regard to erroneous information being reported on my credit bureau by XXXX XXXX. In fact I am attaching two screen shots showing I opened my SECOND dispute under Section 609 FCRA with Experian on XX/XX/2021 on Sunday evening at roughly XXXX XXXX. and by Monday, XX/XX/2021 at roughly XXXX XXXX. the dispute came back from Experian as verified and accurate. I am also attaching to this complaint against Experian the notice submitted Via Certified Mail Return Receipt Requested DEMANDING Experian REQUIRE the alleged creditor XXXX XXXX to comply with Section 609 FCRA which provides for a creditor to provide specific information including but not limited to authorization to pull my credit report, the time and date I authorized the credit report to be accessed or pulled, copies of contracts or agreements related to the debt, specifically contracts or agreements bearing my name and the creditor XXXX XXXX. I have attached my notice to Experian under Section 609 FCRA to the complaint I am submitting herewith to the CFPB. Based upon the foregoing it would be impossible for Experian to have required XXXX XXXX to comply with Section 609 FCRA since only 10 hours had expired between the time of the filing of the dispute and the response of Experian with regard to the dispute under Section 609 FCRA. I did not receive any of the required items from XXXX XXXX with regard to my dispute under Section 609 FCRA. 

As of the submission of this complaint, Experian has failed to comply with Section 609 FCRA and continues to VIOLATE the FCRA, specifically Section 609 FCRA. XXXX XXXX has reported 3 erroneous reports to my credit file that are not mine, Experian is equally as guilty for failing to make the alleged creditor comply with Section 609 FCRA, furthermore Experian is not complying with Section 609 FCRA by allowing erroneous information to be reported by XXXX XXXX and not requiring XXXX XXXX to comply with Section 609 FCRA. To be clear, I have received nothing from XXXX XXXX or Experian during my 90 days of disputes outside of an entry verifying the information with Experian. These actions violate the FCRA, specifically Section 609 FCRA.

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 2018-04-16
Company: All State Credit Bureau, Inc.
State: MI
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:
This complaint is based upon not receiving a response from Allstate Credit Bureau after sending a letter requesting information from them. On XX/XX/XXXX, I mailed a letter asking for validation of the debt in which they are advising that I owe an amount of {$200.00} on account number XXXX. As of today XX/XX/XXXX, Allstate Credit Bureau has failed to respond to my request of this information. I am providing a copy of the letter that was mailed to them, in addition to the certified mail receipt and proof of delivery. At this time, I am requesting immediate removal of this account from the credit bureaus of which this information is being reported. I look forward to your time and attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX Experian XXXX Account # : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1has 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 items 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 any consumer reporting agency if the ( A ) ( 1 ) person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-18
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Venmo regarding the denial of our claim for the incomplete and substandard work done by XXXX XXXX XXXX ( XXXX XXXX ) on our property. We paid XXXX XXXX XXXX ( XXXX XXXX ) a total of {$15000.00} for electrical, window framing, painting, and plumbing work. Unfortunately, the work was incomplete, substandard, and in some cases, dangerous. 

Despite repeated attempts to communicate with XXXX XXXX XXXX ( XXXX XXXX ), they have not responded to our calls, emails, or texts. We also discovered that the electrical work done by XXXX XXXX XXXX ( XXXX XXXX ) is not up to code and poses a significant safety risk. We have contacted another licensed professional who assessed the electrical work and confirmed that none of the work is up to code. 

Additionally, we can not find any information about XXXX XXXX XXXX ( XXXX XXXX ) 's license number that they stated on the contracts we have signed. We have contacted the Nevada Contractor License Board to confirm and find their information, but they can not find it either. XXXX XXXX XXXX ( XXXX XXXX ) also failed to complete the work within the agreed-upon time frame, which constitutes a breach of contract. 

We filed a dispute with Venmo, but our claim was denied unfairly without a proper review of the facts. We have attached picture evidence, text message proof, and signed contracts detailing the following : work not completed per signed contracts, dangerous framing work that needs to be entirely redone to bring up to code, dangerous electrical work that needs to be entirely redone to bring up to code, and the fact that XXXX XXXX XXXX ( XXXX XXXX ) lied about being a licensed XXXX. 

We are requesting that the CFPB investigate XXXX XXXX XXXX ( XXXX XXXX ) 's business practices and take appropriate action to protect consumers from their fraudulent behavior. We also request that you assist us in resolving this dispute with Venmo and obtaining a refund for the work that was not completed or done in a substandard manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: NV
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 disputed this Public Record on this Bankruptcy : Discharged CH-XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: OH
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:
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. 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 items 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. Remove the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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