BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have been using XXXX XXXX online for the last couple of years and never had a problem. Over a month ago I had problem with a transaction and was blocked. I asked what the reason why and they send me out a verification forms..I file it out and send all documents. They said they would take two weeks. We're going on a month now. I keep asking what the problem is I get no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a collection on my credit report for {$660.00} from radius global solutions. It was not mine, it was for my XXXX XXXX XXXX daughter from XXXX for an XXXX visit. We contacted XXXX and they admitted their mistake because they thought my daughter was a minor. They took me off as the responsible party and they contacted Radius Global Solutions twice. I thought this would be an easy process because the bill really isnt mine. But, when I contacted the collection agency and spoke with XXXX XXXX she said that XXXX did contact them on XX/XX/2023 and removed the collection account from their office but they would not remove it from my credit because it has not been settled! WHAT?! I told her that is illegal and shady to try to collect from someone who doesnt owe the bill. They said they record their conversations so her saying that should be on record. I have also attached the bill showing that the bill is not even in my name.

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 2023-07-19
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
This complaint involves two banks : First National Bank of Omaha and XXXX XXXX  XXXX We opened account with XXXX in XXXX We requested balance transfer We were not granted the amount requested and the pop up said we would be notified if they were able to do a transfer We received the card late XXXX We signed up for online services and upon doing so saw a transfer pending - although we were unsure to where Later we saw that the transfer was complete but did not see it on any account we had Contacted XXXX  XXXX XXXX numerous times and have been in contact with and discussed with 5 Executive advocates that each tell us that we need to resolve this issue with FNBO because they cashed the check. Its my understanding that XXXX has contacted FNBO and they are saying that can't speak with them about the issue or use the Miss applied balance info that has been sent because they are not the customer and that my husband and I will have to do this. They have also completed a dispute for us just yesterday after two months of requesting help after a manager at XXXX and FNBO spoke and disagreed on the next steps. We have been told in no uncertain terms that XXXX can do nothing else for us. Listen to all the recorded calls please. 

Contacted FNBO as requested by XXXX. We usually can not get farther than the associate- although lately, we have been able to get a manager to discuss. FNBO says that it is XXXX that needs to resolve this. I have sent a copy of the cashed check to FNBO 4 times to the accounting department. Apparently, because the check has not been applied to an account it is in limbo. So they say it is XXXX  that we need to talk to. 

The check for balance transfer had many issues. The account number was incorrect XXXX has made it clear that we must have made that mistake - Ok maybe we did it is our XXXX XXXX XXXX number except one number is incorrect. The check was sent to XXXX XXXX XXXX  XXXX XXXX and cashed by First National Bank of Omaha. The check was for {$470.00} and was written on XX/XX/23 and per my statement cashed XX/XX/23. It has my husbands name and address. It is confirmed that the routing and acct number on the back are in fact FNBO. 

It is ludicrous that I have to continue to call each place and spend hours of my time on the phone and emailing to get this resolved. We are also currently paying for this balance transfer on my XXXX  account to which we have had no benefit.

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 monetary relief
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
While I was reviewing my credit reports ( equifax ) came across soft inquiries. Now I don't care if it is a promotion or not I never authorized anyone to check my credit history or credit score. This should be illegal for it seems to me that is ID theft, or at least leading to do something illegal. 
XX/XX/202XXXX XXXX Promotional Inquiry XX/XX/2021 XXXX  Promotional Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a payment with Nelnet through the online portal on XX/XX/2023 for {$1000.00} toward my student loan balance. I received a confirmation email for this payment from Nelnet on XX/XX/2023 at XXXX ET. This email contained a confirmation number and a payment effective date of XX/XX/2023 as well as an assurance that the payment would be posted to my account within 48 business hours of the payment effective date. At this time the payment was listed as " scheduled '' in my Nelnet online account. 

On XX/XX/2023 the amount of {$1000.00} was withdrawn from my checking account by Nelnet. 

On XX/XX/2023 I went to confirm that the payment had been posted and it no longer existed in my Nelnet online account. It did not show up as scheduled, pending, posted, or cancelled. It was as if the payment had never existed. I attempted to resolve this issue by reaching out to Nelnet by email on XX/XX/2023, but their reply email at XXXX said that they would not respond to my request via email and I would need to call instead. I did reach out via phone that day. The agent on the phone could not provide any information about why my money was not appearing and on his end it also looked like the payment never existed. I provided the confirmation number I had received and he forwarded that on to another department. He assured me it was just a delay in their system and I should have the money posted to my account soon. 

On XX/XX/2023 the money has still not been posted to my account and still does not appear as existing in my online account. I called again at this time and the agent I spoke to this time said there was nothing that could be done and it would sort itself out eventually. He said that the company does not know where the money they withdrew from my account is and that he could provide no guidance as to when it will be posted. I asked for a ticket number for my inquiry and he said there was none.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2019-07-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that I do not recognize. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: WELLS FARGO & COMPANY
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX XX/XX/XXXX, After receiving a message from Wells Fargo to my email, stating that there was possible fraud detected on my credit card. The message listed several declined attempts to use the card at locations in XXXX Florida as well as an ATM transaction for {$450.00} which was approved. I logged into my corresponding account at the bank to confirm that this was a bonified message from the bank and not a phishing attempt. 

On the Wells Fargo Web Page, I verified that there was a fruadulent cash advance approved for the amount of {$450.00} made in XXXX Florida on XX/XX/2023. 

The dates these fraudulent this charge and charge attempts took place I was with my family in XXXX XXXX, Fl. area, over XXXX miles away from where this transaction took place. I can corroborate my presence in the XXXX XXXX area with in-store credit card transactions and witnesses. 

I further confirm that the only credit card I have authorized for this account was in my possession and, therefore, an unauthorized/cloned copy must have been used to make the transactions. 

I further confirm that I have only used the card for one on-line purchase since I have received it. It has never left my home and is stored in a secure place. It is therefore unlikely the card was cloned. 

I have contacted Wells Fargo, and they have failed to remove the fraudulent transaction. 

They closed the investigation stating that I will be financially responsible. They have failed to provide information on their investigation. They seem to have little interest in resolving this dispute and have been quick to assign me the responsibility for their security issue. 










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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 2022-04-16
Company: FISERV INC.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
HERE IS THE POLICE REPORT ATTACHED! I have faxed to the fiserv email, yet no reply!!! 

Money network refuses to review this " new '' correspondence. 
Money network is now discriminating against me because of my race. I followed all of their protocol ( ie : submit an identity theft report, submit a police report, submit dispute report and declaration ) yet, money network refuses to properly investigate my claim and replenish my stolen funds from my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Self Financial Inc.
State: GA
Product: Credit 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:
Always closed even during their business hrs theyre chat wont even pop up which is the main way they try to force you to contact them I called about these transactions even got a new card and they told me they would reach out to me for more info but instead they just reversed the credit they gave me and now of course theyre closed and Ik from experience you got ta go higher then typical customer service to get anything done for reals and I want this to be fixed already

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: ProCollect, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I submitted a dispute with XXXX, XXXX, and XXXX  against Pro Collect. My dispute is that a collections account is still reporting on my credit and it is past the statue of limitation for Texas. 
XXXX and XXXX- Didn't even reinvestigate the dates. 
XXXX  - Pro Collect submitted a copy of the original contract ( shows dates of first delinquency ) but didn't remove it from my credit file. All three companies are only investigating the account ownership. I am not disputing ownership. I am disputing the fact that its an old collections account and past the statute of limitation. The original date of first delinquency is XXXX/XXXX. The statue of limitation would of expired XX/XX/2023.

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 2022-04-16
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We recently fell behind on our payments due to an unforeseen accident. I called the mortgage company after we were able to return to work and our income returned to where it was at before. I advised the mortgage company of my intentions to bring my account current and was advised of deferment program that I may be eligible for. I filled out the required form on XX/XX/XXXX and set up an arrangement to pay {$2000.00} which was half of my past due balance on XX/XX/XXXX, then would call in to see the status of our deferral application. I have 3 complaints when it comes to my attempt to make a payment. 

1. I was advised that if I chose to make a payment on my account it would void my application for deferment. I was advised I would not be charged any lafe fees during the review process, but it they would continue to report any delinquencies to the credit agencies. I was advised that the application process can take 30 days to complete. I am being forced to pay the late fees on my account in exchange for protecting my credit score. 

2. My monthly payments are approximately {$1800.00} and my past due balance is approximately {$4000.00} with the late fees. I called to pay half the balance, to make a payment for {$2000.00}. I was told that I was not allowed to make a {$2000.00} payment. I was told anything over my {$1800.00} regular payment would be refused and if I mailed a check I would be issue a refund for the difference. I was told I could either pay {$1800.00} or the entire balance. I don't understand why the mortgage company is refusing to take my money. 

3. I attempted to make my payment online and through the automated phone service but was only given the option to pay the entire past due balance of {$4000.00}. When I called into the customer service to make the payment, I was told that I would be charged a payment fee for making the payment with a live agent. I was told since I could not make the payment online or through the automated service the only other option I had was to mail the payment. Since there are 5 days left in the month this means that more than likely the payment would not arrive until after the XXXX causing me to be charged additional late fee, unless I overnighted the payment, which would cost more than the payment fee. I feel as though they are using this to extort me into paying an extra fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow up from a previous complaint ( XXXX ) filed onXX/XX/2023. I filed a complaint against another collection company and it was closed due to fraud. The alleged debt was obviously sold to a different another debt and they are trying to collect the same debt which is a fraudulent account. Please see attached letter. Furthermore, IC System is not an authorized debt collector for the state of XXXX per XXXX Therefore, I demand this illegitimate debt buyer cease further communication with me immediately. I also demand the alleged debt be removed from my credit reports immediately if it has been reported to the credit reporting agencies.

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 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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