BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I had sent a money transfer online through money gram. On XX/XX/XXXX I had cancelled the transactions because my daughter was not able to pick them up. I called money gram and they had advised me that the reason why my daughter couldn't pick up the money was because money gram doesn't accept prepaid debit cards. So at that time I was told to wait 3-10 business days for a refund. Well that time had come and gone and I called them back and they had told me that the refund date had passed and that it would have to go to the escalation department. At that time they told me to wait two business days and the money would be returned. Well I waited 3 business days and called back and they said that it was still in process and I would have to call back in another 2 business days. I have been calling everyday with the same result. Nothing is being done about my refund. I asked to speak to a supervisor and I then was asked " even if you're not going to get your money back today ''? I was super upset and still no supervisor or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX/XXXX/XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-03-24
Company: First Technology Federal Credit Union
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday ( XX/XX/XXXX ' 2022 ), I lost {$4000.00} due to Scam, the scamster called my Wife as immigration Officer and threatened to arrest us if we didn't pay him the pre-bail amount. 

As my Wife has a Joint account, she got duped and withdrew Cash from Checkign Account at FirstTech XXXX XXXX, and Gave it to Scamster in Gift Cards. 

I immediately Made the Police Complaint at Washington Sheriff Office and Filed a complaint on FTC, same day. 
I also made a complaint with the Bank XXXX FirstTech Credit Union Bank, XXXX, OR ) on same Day and following day, i went to bank in-person and again followed up with the complaint, the Bank Manager told me, they can not Refund my Money, as it is a cash withdrawal. 

Can you plz let me know, what are my options here?

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 2022-03-24
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2022 The CRA in question sent a letter with a confirmation number [ XXXX ]. The Letter stated the result of the reinvestigation into an inaccurate account is not currently reporting on the Equifax credit file. When indeed it still appears on my consumer report. According to 15 U.S. Code 1681s-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

It is the CRA sole responsibility to make sure all information furnished is in accordance with the governed guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: NY
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:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-15
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-03-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2020, I filed a mortgage application with my credit union. I had discussed this application in advance with my loan officer and he indicated it would take a couple days to hear back. On XX/XX/2020, I spoke with my loan officer who reported to me that all three credit reports came back blank, and that there was a notice that fraudulent information may have been used to request the data. Please note, my credit union utilizes a third party company, XXXX XXXX, to aggregate credit information. XXXX  and XXXX   quickly resolved the error and my credit union now has those reports. Equifax continues to refuse to release my credit report. I have spoken to three customer service agents between XX/XX/2020 and XX/XX/2020, and no one has been able to adequately address my concerns. I have no freeze or lock on my credit report. I have been instructed to have my loan officer contact Equifax 's business affairs department with no success. I have access to the online credit report from Equifax ( my.equifax.com ) but I can not retrieve a full credit report online either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX dealers company access or share my credit report multiple times without my authorization with more than 5 agencies at the same time and same date. To my understanding when you purchase a house or vehicle during a period of days only one hard inquiry goes to the credit reports. In my case XXXX inquiries to XXXX, XXXX to XXXX and XXXX to Transunion. All done the same date.

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 2020-03-14
Company: Mercedes Benz Financial Services
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:
Mercedes Benz USA LLC.

Mercedes reported account open, " repossession ''. They've reported inaccurate information from XX/XX/XXXX to present time XX/XX/XXXX. In fact, car included Chapter XXXX Bankruptcy. I've asked three times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX remove derogatory remarks, update to XXXX  balance status protected under Chapter XXXX BK. I wrote a demand letter delivered Certified USPS mail. Over 120 days to date remarks and incorrect balance reflect on XXXX, XXXX and XXXX XXXX. Mercedes need to XXXX  balance, remove negative remarks ( late and repossession ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: CAINE & WEINER COMPANY, INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XXXX XXXX, i sent CAINE WEINER a letter about validation of the alleged debt of XXXX that i don't owe.It was sent usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and it was delivered on Delivered : Tue, XX/XX/XXXX, XXXX XXXXCAINE WEINER sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$490.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, CAINE WEINER has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : 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 2023-07-20
Company: EQUIFAX, 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express deliberately refused my attempts to pay my bill and instead sued me for the balance due. They fraudulently reported incorrect information about my account to the credit agencies for over a year with the knowledge that it would cause me financial damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I sent notarized letters via certified mail to the companies in question. I have proof of acceptance from all three companies. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX have 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 : Also states, a consumer reporting agency can not furnish an account without my written instructions. 

My letters have essentially been ignored by Experian, XXXX XXXX, and 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 2019-10-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, This is the follow up with Fifth Third banks response dated on XX/XX/XXXX. 

This is Fifth Third banks statement : On XX/XX/XXXX, you opened a Fifth Third Bank Essential Checking Account ending in XXXX. You opened the account with a {$250.00} Cash Bonus Offer. Enclosed is a copy of the terms and conditions applicable to the offer. Per the terms of the offer, you needed to reach a {$500.00} balance within forty-five ( 45 ) days of opening the account. You then had to maintain a {$500.00} minimum daily balance thereafter for sixty ( 60 ) days. You deposited {$500.00} into the account on XX/XX/XXXX. You needed to then maintain a {$500.00} minimum daily balance for the next sixty ( 60 ) days, which would have been through XX/XX/XXXX. However, on XX/XX/XXXX, a check you wrote for {$25.00} posted to the account. The ending balance in the account on XX/XX/XXXX, was {$470.00}. Because the balance of the account fell below {$500.00} during the sixty ( 60 ) day timeframe, your account was disqualified from the bonus and the {$250.00} was not credited to your account. 

In Fifth Third banks {$250.00} cash bonus offer, it states To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third Essential, Enhanced, Preferred, Free ( GA and select markets in IN, KY ) and Free Checking plus Extra TimeSM ( FL only ) checking account by XX/XX/XXXX, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. 

In Fifth Third banks response, it failed to mention that I reached {$520.00} balance in my account on XX/XX/XXXX, and kept this balance until now, which is XX/XX/XXXX. 

The truth is that I reached {$500.00} on XX/XX/XXXX, dropped the balance to {$470.00} on XX/XX/XXXX, and reach {$520.00} again on XX/XX/XXXX. It happened within 45 days of account opening. Then I kept this balance until now. In Fifth Third banks term, nothing mentions if a customer drops balance below {$500.00}, then reach to {$500.00} again within 45 day, customer will disqualify the bonus. I did reach {$500.00} within 45 days of account opening, and keep it more than 60 days. Therefore, I believe that I fulfilled Fifth Third banks term. 

Please review your term again, and put {$250.00} bonus into my account. 


Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I applied for an Amazon Store Card which is a line of credit to be used exclusively on Amazon.com through Synchrony Bank. A few months later on XX/XX/XXXX when applying for a mortgage I was asked to explain credit inquiries made within the last XXXX days and noticed XXXX credit pulls on that date. XXXX for " SYNCB/AMAZON '' and another for " SYNCB/AMAZON XXXX ''. I only applied for a single line of credit but they had pulled my credit an additional time without authorization. After a search online I found others had similar problems with Synchrony doing similar unauthorized pulls and were unable to resolve the issue with Synchrony so I decided the best course of action was to go straight to CFPB to dispute this extra credit pull.

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 2022-03-24
Company: Ability Recovery Services, LLC
State: NY
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've sent letters to the company twice. I've asked for proof and validation errors on my report. of these I have not received a response and it has been more than 30 days. I want this account removed from my report. This negative account is preventing me from obtaining credit and obtaining a mortgage.

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