BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: Bread Financial 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:
The following companies listed below refuses to remove these inquiries from my credit report.I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

These inquiries are the result of fraudulent activity and therefor inaccurate information in which the credit reporting agencies or creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 

XXXX/XXXX XXXX, XXXX XXXX, COMENITY CAPITAL/XXXX, COMENITY/VICTORIA, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018, Western Union ( WU ) customer service directed me to write an e-mail to XXXX XXXX XXXX  unit after I called Customer Service. I was asked to call after I received an XXXX code while attempting to send money ( a mere {$60.00} ) to XXXX. The last transaction I attempted to send was also almost blocked, and I was also asked to call customer service and I was told it was for my own protection. To protect me from scams. I thought this issue was all taken care and resolved. 

I am an XXXX, no criminal history, and I would like to be informed me why I as a U.S citizen I am not allowed to transact business with Western Union. 

I've not heard from the XXXX XXXX XXXX, and I've resent the the e-mail and copied Western Union 's  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 BMO closed my checking account. They sent my account over to XXXX XXXX. They made a mistake and sent me {$200.00}. I opened up my account when there was a {$200.00} bonus and was unaware that they made the mistake. Now they a making me pay back a fee for over charge that I disputed. Instead of working with me to refund the account they closed my account. And charged me the {$160.00} that I spent. They forced money into my account. I spent some of the money because I truly thought that I was eligible for the promotion. At one point they had me owing more than $ 50K why would I fund an account with the {$160.00} if my account was that far negative. In my community a few extra dollars means buy something for yourself. I am a single mother. I usually cant afford to buy things outside of our budget for regular household items. So when I got an extra {$200.00} I thanked the XXXX for it. I didn't know this was not my money why would BMO put it into my account if it wasn't mine. They caused me to think that I had money that they owed me. I opened up the account during their {$200.00} promotion. Now they close my account and charge me {$36.00} for their mistake all because I sent a complaint about it with this organization. Typical corporation abuse. They are making me suffer more because I made a complaint to this location. My funds from the XXXX tax credit for kids from the latest stimulus package is set to hit that account. Now it wont and BMO can pay for that delay.

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 2021-06-05
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I disputes Net credit account credit account which is over seven years on my XXXX credit reports and XXXX said it was verified as accurate. I am trying to get clearance job and was rejected because of this. 
I reside in Virginia and the Status of Limitation is 5 years for this debt. I was never sued and this debt should be off my credits seven years ago. Net credit keep reporting inaccurate information on my account and they need tot stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: EQUIFAX, INC.
State: NJ
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:
My past credit disputes and results have been reported with error after error with XXXX, US DEPT OF EDUCATION,  and XXXX XXXX XXXX. This ranging from XX/XX/2004 to current. 

XXXX and US Department of EDUCATION have each loan account on my credit report 2 to 3 times each. Due to some " old '' and incorrect reporting of accounts and not properly reporting and or removing these accounts off my credit report. After disputing 3 times and making several phone calls I need a proper investigation with account amounts and dates from a higher source. 

XXXX XXXX XXXX XXXX XXXX has also been improperly reporting dates and amounts after disputing 2 or 3 times also reporting all student loans as 1 big loan which is incorrect and some or all due to abuse of laws should result in deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM A VICTIM OF I DENTITY THEFT I HAVE WRITTEN THE CREDI BUREAUS XXXX AND XXXX AS WELL AS TRANSUNION NUMEROUS TIMES OVER THE PAST YEAR TO SEND THEM MY POLICE REPORT, FCRA 605B, DRIVERS LIC. COMPY OF MY CREDIT REPORT, ADDRESS ID AND A FULL NARRATIVE DIRECTING THEM ON WHAT IS FRAUDULENT ON MY CREDIT REPORT CIRCLING THE ITEMS, THE LATENESSES,  AND THE INQUIRIES AND THEY REFUSE TO ABIDE BY MY FRAUDULENT ACCOUNTS ON MY REPORT AND REFUSE TO REMOVE THEM IN A TIMELY MANNER AS THE FCRA 605B MANDATES THEY DO BY FEDERAL LAW. I HAVE TOLD THEM WHAT ITEMS ARE NOT MINE AND WHAT ITEMS TO REMOVE AND THEY HAVE REFUSED AND THEY ALSO HAVE GONE PAST THE 30 DAYS ALLOWED TO ADJUST MY SCORE AND REPORT AND REFUSE TO DELETE THE ITEMS AS STATED ON MY IDENTITY THEFT POLICE REPORT.I DEMAND THAT THESE ITEMS TO BE REMOVED AND MY SCORE ADJUSTED.

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 2020-02-03
Company: Convergent Resources, 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: Account information incorrect

Complaint:
There is a debt collections that appears on my credit from Convergent Outsourcing but I do not have a contract with them and want the deragotry marks removed

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 2020-07-02
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 at XXXX XXXX I sent a debt validation letter via certified mail to American Coradius International LLC ( collection on behalf of XXXX XXXX  ) at the XXXX XXXX, CA Post Office. Based on the USPS.com tracking, the letter was never delivered with the note, " Delivery Attempted - No Access to Delivery Location ''. The return receipt was imaged and sent to my email, but I never received the actual physical receipt. Documentation attached for verification. 

On XX/XX/2020 early evening, I sent a second debt validation via certified mail to American Coradius International LLC ( collection on behalf of XXXX XXXX ) using the USPS kiosk in XXXX XXXX, CA. Based on the USPS.com tracking, the letter is " Held at Post Office, At Customer Request ''. I completed a complaint form with the USPS.com a representative left me a voicemail stating that per the customer, they are not accepted mail at their location and that a representative comes once or twice a week. As of today, it still shows " Held at Post Office, At Customer Request '' on USPS.com tracking. Documentation attached for verification. 

I am seeking debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
So i saw a listing on XXXX for a XXXX XXXX. I contact the seller and told him I would like to purchase the phones he told me that'd be fine as long as I sent him the money through XXXX. I know what XXXX is because it's in my Wells Fargo app and I assumed that i'd have buyer protection much like what XXXX offers. I sent him the money and never received the package and now he does not respond to my messages. I lost out on {$500.00} and would want the proper actions to be taken against this user and get my money back. I'll attach documents where me and him are talking and you can see that he is in fact receiving my money and even going out to say he is willing to refund.

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 2020-11-18
Company: Paypal Holdings, Inc
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have continuously tried to reset password in which I was successful in doing so multiple times, paypal is preventing me from accessing my account although I have successfully reset my password. This seems to be retaliatory for prior complaints, and aimed at preventing me from accessing my funds which are available on my card and those which are being held.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: Army and Air Force Exchange Service
State: UT
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:
Military Star is reporting 30 day late 's on my account. My payments were automatically deducted from my paycheck. When i looked into it I noticed i was only being deducted once every 3 months, upon this discovery i paid this account in full. I was unaware of these late notations until i pulled my credit. I am unsure why they were only deducting once every 3 months.

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 2021-06-05
Company: Experian Information Solutions Inc.
State: GA
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:
Experian is persisting to report an inaccurate bankruptcy on my credit report. On XX/XX/XXXX, they did not allow me to dispute the bankruptcy account because I had previously disputed this error. I have since received a response from XXXX the furnisher of the inaccurate information that the account has been deleted/removed. Experian is in violation of the FCRA in the act of continuing to report inaccurate information on my credit report. I even submitted the XXXX correspondence stating this bankruptcy has been removed. Unfortunately, Experian is not abiding by the FCRA rules and guidelines. The CFPB has the correspondence from XXXX, proving this bankruptcy has been deleted/removed ( Per XXXX ). Experian must delete this inaccurate account, and all accounts associated with it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S DEPT OF EDXXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. DPT EDXXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S DEPT OF ED/XXXXXXXX/XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have never opened and or signed for the note loan under the account number in question with XXXX  that is being reported on XXXX and TRANSUNION. When notifying XXXX of this, they validated this alleged loan debt by sending me documentation of a different account number from that which was being reported to XXXX XXXX  and TRANSUNION. 

I forwarded this incorrect information to the credit reporting agencies to confirm the inaccurate reporting. XXXX deleted the information while XXXX and TRANSUNION verified the differing information as accurate and continued to report the information in spite of my request for its deletion. 

In the month of XXXX XXXX reported to XXXX and TRANSUNION that I had made a reduced payment on what was a {$7400.00} balance to settle the debt and bring the balance to {$0.00}. I notified XXXX XXXX and TRANSUNION that I did not make any payments, reduced or otherwise to bring the balance to {$0.00} and I also notified them that I did not open this note loan that the 3 of them are reporting. 

XXXX, XXXX and TRANSUNION continue to report this account with a balance of {$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 explanation
Consumer complaint received 2020-07-02
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I tried to send money to my friend of XXXX dollars and it kept declining which it never does in the past. After that I said probably it will work if I send it through bitcoin but it also didnt work. After I sold my bitcoin and tried to withdraw my money, it locked my account. I tried emailing them 10 times but they never responded and I have money still in the app which I cant get out. THIS IS CASH APP and they are trying to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: BC SERVICES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used to obtain medical services without her consent. Someone living in the state of XXXX used her information in XX/XX/XXXX to obtain services with local providers for medical services not known to my client. My client at one time did live in the state of XXXX however moved in XX/XX/XXXX to XXXX. BC Services was listed on her XXXX  credit report as a debt collector. We provided a debt validation request letter to BC Service in effort to have them verify the information on the credit report. BC Service sent back account information to which my client sent an official dispute of ID theft with police report, PII and FTC affidavit naming BC Services and the related debt as an issue of true named fraud XX/XX/XXXX. On XX/XX/XXXX BC Servcies mailed my client ANOTHER letter stating they have already provided debt validation, BC Services FAILED to review the dispute information provided and by sending this communication ( concerning payment of debt ) have violated the FDCPA and the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 at about XXXX RMP LLC contacted me about several medical debt did not properly verify before disclosing HIPPA info also refused a verbal request for VOD. Stated the VOD is the same as requesting a bill and it can only be request in writing. Refused to send VOD because nothing have been place in there office in the last 30day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: JPMORGAN CHASE & CO.
State: GA
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:
I made an online purchase at XXXX XXXX in XX/XX/2020, They said it would be curbside pickup. When I arrived at the store I called the pickup desk and was told my order would be out shortly. after waiting for 30 minutes I went into the store and pulled one of the items I ordered off the shelf and paid at the register. When I was walking to the register a employee ( wearing no name or apron ) asked my name and about my order. I said I would pay for what I had and asked her to cancel the online order. The charge is still on my statement today. I can not reach the credit card company by phone or text, which is how I always contacted them. When I emailed them I was told to call the customer service number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax, XXXX and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: FC HoldCo LLC
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: Account information incorrect

Complaint:
Flagship replied with a full investigation ( letter ) of the auto account but they left out significant and pertinent information to the account but their letter shows they were not timely or truthful about the various other verifications were all lies.

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 2021-06-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My statements are claiming I have not made any payments. I was sent two XXXX statements. The second statement claims I have made no payments and now I have received a XXXX statement showing I owe a double payment. This happened last year and after the bank rejected all of my complaints and held by their claim ( about six months of back and forth ) it took two better business bureau complaints a filing with the Consumer financial department to finally resolve it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I already hard a regular Prepaid card and got a offer for a credit card had no balance I got paid on my regular card and transferred my money onto the repair credit card! And now they said it was a credit they gave me I have proof on the statement saying that money was transferred from my regular Prepaid chime card! I tried to dispute this on XXXX but they won't change it!

Company response to consumer: Closed with explanation