BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
on XX/XX/XXXX I sent {$100.00} to a brother in XXXX  using MoneyGram. As of this date ( XX/XX/XXXX ) the transfer has not occurred while MoneyGram withdrew {$100.00} from my XXXX XXXX account on XX/XX/XXXX. I have asked Money Gram on repeated occasions for the respective refund and they have not done so.Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
Purchased from XXXX shoe size XXXX, retailer shipped size XXXX. Was unable to resolved issue with retailer ( return options not available ) - hence filed a disputer with credit card company ( american express ). Credit card company denied the dispute- even though merchant was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to dispute the listed accounts on my credit report, which were reported by the credit bureau in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. The following accounts have been reported inaccurately and in violation of several sections of 15 USC 1681 : Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX Balance {$510.00} Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$8600.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXXXXXX XXXX Balance {$1400.00} Specifically, these accounts contain outdated and incorrect information that has not been updated or verified, and they were reported without my written permission as required by law under Section 602 ( a ) of 15 USC 1681. In addition, they violate Section 1681c ( a ) ( 5 ) of the FCRA, which prohibits credit bureaus from reporting outdated information that is more than 7 years old. The accounts also violate Section 1681s-2 ( a ) ( 1 ) of the FCRA, which requires credit bureaus to investigate a consumer dispute within 30 days and remove any information that can not be verified.

I also assert my rights under Section 1681g of the FCRA to access my credit report and dispute inaccurate information, as well as under Section 1681i, which requires credit reporting agencies to investigate disputes within a reasonable time frame. Furthermore, I dispute any inaccurate or misleading representations made by debt collectors on these accounts under Section 1692e of the FDCPA. Finally, I request the removal of any inaccurate or unauthorized information from my credit report under Section 1681 and Section 6802, which protects my rights to privacy and disputes unauthorized access to my personal financial information. I request that the credit bureau investigate these inaccuracies and remove any unverifiable information from my credit report.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$210.00} 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 2021-05-15
Company: Experian Information Solutions Inc.
State: WA
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:
Experian boost has been a nightmare, ive had nothing but harassment from experian boost, and recently I receive very harrasing emails claiming no payme to have been reported and they will remove accounts, this is so far from the truth, I exceptional payment history never missing a payment or late, I pay 5 or six times a month on all my accounts, last year they completely erased a valid exceptional account from my credit record I had to fight 90 days to get it put back, they have intentionally messed with my credit score taking away 19 points and giving me 17 in the same day im tired of it I have spoke to my attorney, its all documented, if it does not stop I will file a lawsuit, this is federal and taken seriously, ive enlisted one email of hundred that I have of this harassment, I have all documented, and prove of all payments 5 6 payments a month if needed.

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 2021-05-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I got my statement for XX/XX/XXXX, reflecting I didn't make a payment, with a late fee, for the month of XX/XX/XXXX. I called that they didn't get my check. Gave my check # and amount. The representative stated no check was received. So I made a phone payment by phone. I stated if they get the check, to bill it as another payment. I made a payment # XXXX {$130.00} on XX/XX/XXXX, by mail at post office. On XX/XX/XXXX got a text message, to community bank. Another text appeared they tried to contact me via, XX/XX/XXXX, it appeared on XX/XX/XXXX! I called the XXXX. Gave my info, representative said no payment had been received. He stated, he can take a voice payment, gave my info. payment made confirmation # XXXX I stated I had made a payment to a company, that I canceled, and if I got a billing of a refund on a different card, a credit card I lost! No info regarding that, there was a cancelation fee. He passed me on to a customer service representative, I gave all the info for my account explained, the transaction of lost card, no info for that, as of yet. I then asked there is a problem with my mail payments. The representative stated ; I am sorry, since XXXX, was bought from another company ; all payments will be forwarded to XXXX, ILL, from the XXXX XXXX XXXX XXXX XXXX TX XXXX. No address was given for XXXX, ILL, or phone call. I asked will a mailer go out regarding that. He didn't reply to my inquiry. Billing statement for XX/XX/XXXX, is XXXX XXXX XXXX XXXX XXXX TX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14
Company: Atlanticus Services Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Aspire offers to match my minimum payment to help pay down the account I agree and pay the {$11.00} minimum payment it says I need to make. Then every month it is sending notifications that I have not paid and reporting to credit bureaus that I have not paid or I'm past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Data and Contact Management Solutions, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Hi They are continuing to harass me even though it is disputed. Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple hospitalizations in the past year, so must avoid stress. I am retired and on Social Security. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Credit Management Control, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Credit Management Control has been reporting an account on my credit forever. I have been disputing the account and after many attempts they finally sent me something. They mailed private, medical billing information, to my old address!!! They have violated my rights in accordance with HIPPA! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
contact to the original credit and credit bureaus. 
XX/XX/XXXX XX/XX/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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2023-06-09
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed on XX/XX/2023 that there was a debt of {$280.00} from a company called SEQUIUM ASSET SOLUTION on my credit report. The original creditor iXXXX XXXX XXXX the account was opened XX/XX/2023, I did not open nor do I have knowledge of this account being opened. This is a case of identity theft. In addition to this I also have a letter from a company called XXXX XXXX XXXX XXXX XXXX XXXX, which is a company that offers XXXX XXXX XXXX and XXXX XXXX to XXXX XXXX. XXXX XXXX is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and these two companies share my personal information between themselves including SSN and NAME and BIRTHDAY. In the letter it states verbatim " On XX/XX/2023 XXXX XXXX identified unusual activity on certain systems within our computer network. '' This also is stated verbatim in the letter, " On XX/XX/2023 the investigation determined that certain files were copied from our network without authorization between XX/XX/2023 and XX/XX/2023. This also is stated in the letter from XXXX XXXX verbatim " Our investigation determined that the affected files contained information including your Social Security Number, and name. 

So far concerning this urgent and stressful matter I've contacted XXXX and reported the problem procedurally. 

Please help me in this case. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Mountain Run Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MOUTAINRUNSO is claiming that I owe them {$3200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
On XXXX I ordered 3 hairpieces from XXXX. 1 6 inch 1 8 inch and 1 10 inch.for XXXX ... .They sent 3 10 inch of another hairpiece which is not what is shown in the pic as I ordered. CapitalOne requested more info so I called and spoke with XXXX in the XXXX on XXXX and she said just to resubmit my claim but change the dates to reflect after the merchant had responded to my dispute. Once again I sent my claim back in only to be rejected. It's clear in the pic and invoice that the order is wrong. I believe this to be a bait and switch because I did not get what was in the pic!! The merchant sent a different product than what I ordered and I provided the proof twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, XXXX XXXX XXXX XXXX, sent me a delinquency letter at my INTERNSHIP address. It was addresses to me but once I opened the latter it was in regards to ANOTHER woman with a complete different name. It is tax obligation from XXXX and XXXX, years in which I was only a CHILD. 

Primary TIN XXXX tAX pERIOD : XXXX tAX aSSESSED XXXX iNTEREST : XXXX pENALTY XXXX Primary TIN XXXX Tax Period XXXX Tax Assessed : XXXX Interest : XXXX Penalty : XXXX I do not know the person and i have NO debt and GREAT credit. Today XX/XX/XXXX, I got a SECOND delinquency letter at my internship in regards to a DIFFERENT person this time by the name of XXXX XXXX XXXX. Why am I getting so many delinquency letters at my internship its so embarrassing and theyre not even for me! Ive been given a warning because im receiving all these letters from XXXX XXXX XXXX. Is this even legal? Ive tried calling them and they say if I dont know the person than disregard the letter but they keep sending me them. HELP please.

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 2021-05-21
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2017 {$390.00} Contacted about the amount, should have been covered by insurance.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: AmeriCollect
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company Has called me repeatedly daily and has left over 15 voicemails within a months timeframe but failed to notify me in writing about the alleged debt that's owed. I never signed a contract with this company. This company is in violation of the HIPPA law as well as well as 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent over letters to XXXX and Transunion requesting that unverified accounts with incomplete and unknown data be verified. I am receiving emails and results stating that they are verified. The last results I received from Transunion on Monday XX/XX/19 state that the accounts have been verified, however they did not provide the method of verification and completely ignored the request for a signed consumer contract with my signature and all of the incomplete unknown data accounts still remain on my credit report. The same results also happened with XXXX. I also received a letter from XXXX they they will not investigate the matter further. With a prior dispute with XXXX, 2 of the accounts were deleted, however all of the other accounts containing the same incomplete unknown data were left on.

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and TRANSUNION has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 
The following accounts are errors : 1. XXXX XXXX Open Date : XXXX 2. XXXX XXXX Open Date : XX/XX/22 XXXX. XXXX XXXX XXXX Open Date : 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 2022-07-12
Company: FIRST CITIZENS BANCSHARES, INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
cit bank a/c no. XXXX can't close account can't get thru to talk to a person. minimum wait is 69-120 minutes. have tried 5 times, but can't get thru no call back feature on their telephone system tryied to chat on their online system, but no response sent letter to close account and transfer funds on XX/XX/XXXX, but no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 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 response to consumer: Closed with explanation