BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I purchased 3 money orders 2 years ago and they were purchased from XXXX XXXX Western Union did not honor the money orders XXXX. XXXX. XXXX I have contacted Western Union several times and I was told they were cashable by representatives So I deposited them in my bank and it said return to maker I was charged XXXX dollars each transaction putting my account at risk for closure

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Over the last several months I have made numerous efforts to get information corrected on my credit reports. I have contacted both the creditor and the credit bureaus and they have refused to property investigate, update, and send a method of verification to specifically tell me how the information was verified per my right and request. XXXX XXXX responded to my complaint as being actual and correct with the actual contract. In that contract it shows that the total amount of my payments were {$21000.00} but yet are reporting my high credit as different and a lower number to the credit bureaus. Additionally XXXX XXXX stated that they have consistently reported the same information to all 3 credit bureaus. Not only has XXXX XXXX been inconsistent in reporting my payment history correctly they have changed some positive some negative history between all 3 credit bureaus multiple times. The last payment on the XXXX account is reporting 30 days late. I had bought a new vehicle and the new bank XXXX paid off the account. It was my understanding that XXXX would have had the payment in before it was 30 days late and was not a fault of mine if is was received late. My payments had been on time as reported and I asked XXXX XXXX as a good faith effort to either not report that month or show as paid on time and they refused. The errors, inconsistency, failure to properly investigate, send me a specific method of verification as requested is not only hurting my credit, score, it is a direct willingness to violate my rights under FCRA. I have attached proof of my complaints for your review. I demand this be corrected at all 3credit bureaus within 15 days for the date of this complaint. Updated credit reports sent to my mailing address will be expected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-05-18
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}

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 2023-05-22
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
APPLIED FOR A SHORT TERM LOAN FROM NETCREDIT ON XX/XX/XXXX ; I WAS INFORMED IT WAS APPROVED PENDING PAYROLL VERIFICATION. TODAY, XX/XX/XXXX, I HAVE BEEN DENIED DUE TO " NON-VERIFICATION. '' IN TOTAL, I SENT XXXX EMAILS, CALLED 5 TIMES AND UPLOADED DOCUMENTS TO THEIR SYSTEM XXXX SEPARATE TIMES. TO DATE, I HAVE SUPPLIED THEM WITH BANK STATEMENTS, PAST AND PRESENT, XXXX STATEMENTS FOR XXXX AND XXXX, PAY-STUBS FOR XXXX AND XXXX OF XXXX, DRIVER 'S LICENSE, PASSPORT, BIRTH CERTIFICATE, SOCIAL SECURITY CARD AND TAX DOCUMENTS. NOTHING IS GOOD ENOUGH BUT THEY ARE GOOD ENOUGH TO RUN MY CREDIT AND KEEP ALL OF THESE PERSONAL DOCUMENTS ON FILE. THIS CLEARLY HAS BEEN A VIOLATION OF PRIVACY ON THEIR PART CONSIDERING THEY'VE ASKED FOR MORE AND MORE DOCUMENTS, ONLY TO DENY THE REQUEST. I AM EXTREMELY FEARFUL THAT MY INFO WILL BE USED FOR FRAUDULENT ACTIVITIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
1-American express refuse to give me waive of interest rate becuase of covid they give it to some other customers, they giving me high interest rate that they call it apr very high.

2-i signed up for XXXX XXXX XXXX and it was like voice phone calls but it was like people cant hear me and i cant hear them i complained many times and decided after long months to cancel but i noticed that canceling the service and dispute and change the card twice not enough to stop this XXXX XXXX from taking fees on my credit card i even got emails from XXXX XXXX that they made sure this service is no longer charge me but yet all of this is not enough ( attached email from XXXX they cancelled me on XXXX and attached American express charging me for XXXX so for example they charge me XXXX XXXX and they refund me, yet they charged me on XXXX where each time i had to contact credit card American express and XXXX XXXX and im tired from these calls so this service make my minimum payment goes up to XXXX $ interest rate is XXXX $ where its double comparing to other credit cards American express use the lowest credit score service i dont use American express card they say they wont waive the interest rate because of covid becuase they see my spending, i dont spend money the spend that they point at my car insurance for six month which i paid it to American express credit card before i pay for the car insurance which both occurred on the same day.i thought this way i make American express happy that i used their credit card instead they put back the interest rate and refuse to remove it since XXXX where i didnt pay attention that they completely stop using the waive interest rate because of covid where as you know car insurance is mandatory not choice and it didnt raise the balance its like the balance stayed the same.but it created activity and plz tell them that its like i paid the car insurance cost immediately to American express where the balance stayed the same on my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28
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:
Experian is committing identity theft by reporting information that has been verified as Not Mine/fraudulent and deleted from my master consumer file by data furnisher 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 2023-05-18
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/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 2023-08-27
Company: BILL.COM, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was a contract employee for a company that used Bill.com to pay me. For some unknown reason they won't release my paycheck? All they said is that they require more documentation, but they didn't tell me what documentation they needed. It's illegal to hold wages from an employee in all states epecially the state of California. I have tried to escalate my case without any success. I've also contacted teh XXXX of the company I worked for to see if they can get this company to release my paycheck. This has been one of the worse experiences I have every dealt with during my 30+ year career. Absolutely 100 % horrible company with terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attached Equifax 's response to my complaint # XXXX in which I requested that they remove " Bankruptcy '' from my file as I have been turned down by credit card companies, as a result of this statement. I do not believe that the spirit of the company is to hurt anyone but it does not create the reality of making this statement on my credit report. The bankruptcy filed was an error and it was quickly removed by my attorneys. However, no bankruptcy existed after one week. Therefore, all my creditors were fully paid and there were no charge offs. Equifax insists on using the " Bankruptcy '' even though it did not happen. I would ask that CFPB pleas use their enforcement powers to have this language and case removed from my credit report and any references. 
See attached from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX and 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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-04-28
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
To whom it may concern, I'm writing to convey my frustration with Citibank and any other financial institution, who find it appropriate to prohibit legal sales of firearms. The responsibility of these creditors is to provide a secure and simple means of purchasing, not to impose their own set of laws ; if a private, small-business baker   can't choose to deny based on their faith or societal proclivity, neither should any prodigious, public, taxpayer-bailout-fund taking large business. 
Their time would be better spent establishing a system to prevent scammers and any fraudulent intent used by their system, not prohibit any and all legal transactions made by law-abiding citizens.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. However, it has been an exceptionally long period since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me considerable stress but has also resulted in tangible negative consequences for my financial well-being. I have encountered denied credit applications, higher interest rates, and relentless harassment from debt collectors, all stemming from inaccuracies on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please remove these accounts ASAP.

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 2023-08-14
Company: Paramount GR Holdings, LLC
State: PA
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:
As per the FCRA Act 15 USC 1681 in section 602 the consumer reporting agencies should exercise their responsibilities with fairness and respect for the rights of the consumer privacy. XXXX, XXXX AND XXXX are considered consumer reporting agencies. And that makes me the consumer, I have the right to not share my private information 15 USC 6801, 15 USC 6802 ( b ) ( c ) Privacy Act of 1974, 15 USC 1681 ( c ) 12 CFR 1016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-15
Company: Experian Information Solutions Inc.
State: PA
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 called the XXXX credit reporting agencies on Monday XXXX XXXX XXXX and spoke with multiple representatives which was on a recorded line courtesy of XXXX, XXXX, Experian speaking about how I have a right to privacy as a consumer to have the information removed that inaccurate and unfair to me as a consumer. The information that was requested to be removed from the report is the XXXX XXXX  in the amount of {$390.00} closed account also XXXX XXXX in the amount of {$930.00} closed account when I was denied assistance and my consumer rights were violated. Also, this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer. Before taking any adverse action and furnishing anything on my consumer report based on a part of my report XXXX, XXXX, Experian is supposed to provide the consumer a copy of that report and a description in writing of the rights of the consumer which is me and I have not received such documentary evidence making sure this information is accurate, fair and suitable for me as the consumer. I have gotten in contact with XXXX XXXX also XXXX XXXX in relation to this inaccurate information which they will no longer report to the reporting agencies in the connection of collecting a debt.

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