BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I purchased a couple of chairs from camping World, they then sent me a XXXX  XXXX credit card through Comenity Bank that I did not apply for, and I do not want. I called and all I got was automated system and got to close it out but says they don't report it as customers request ... .and then finally I got to get to a representative and they're going to report unsolicited to the credit bureau in the meantime I'm in the process of doing a home equity loan and I surely hope this doesn't cause an issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: WESTERN UNION COMPANY, THE
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent an international money transfer online through western union app on XX/XX/2020. Transaction number is XXXX. I paid {$400.00} plus fees using my bank debit card. The app stated that the transaction is under review and should be available to sender within 2 hours. But after 4 hours. the transaction was never processed, so I called Western Union customer service who asked me to email a copy of my ID so they can process the transaction as soon as possible. I sent my ID, and all they did is sending me an email assuring me my money is under " secure hold ''. I thought I did a mistake while reviewing the transaction online because there is " review and resend '' tab under my transaction number, which I clicked. This triggered another withdrawal of {$400.00} plus fees from my bank. I called within 30 minutes to cancel the second transaction according to Western Union policy, but they refused to cancel. After so many calls with them, and being put on hold indefinitely I asked to cancel both transactions and refund me. They sent an email stating they were unable to refund. They provided no reason. That means that they can hold my money for a long time. They have no reason or right to refuse to refund me. I'm asking for a refund, and I guess they hold customers ' money for as long as possible to gain some interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX of XXXX XXXX to apply for a car loan. XXXX XXXX XXXX hard inquiry is of my knowledge. The salesman at XXXX dealership said he was going to get me approved at XXXX XXXX which he did. So that inquiry is valid XXXX XXXX   XXXX XXXX XXXX XXXX But all these inquires below are not valid and I didn't give permission. These below inquires should be removed based off Section 604 of the Fair Credit Reporting Act Section 604 - This section is about the situations in which consumer reporting agencies may provide a consumer report. These situations are also called the " Permissible Purposes '' to obtain a report. The section also lists some purposes where a consumer report may not obtain a report, e.g. marketing, curiosity, law enforcement NOT VALID XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I sent out a Dispute Letter about these inquires which ill be attaching i have also received a letter telling me basically that trans union wont remove these unverified inquires off of my credit

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 2020-08-26
Company: AMERICAN EXPRESS COMPANY
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:
In XX/XX/2020, I booked a flight for me and my son to travel in XXXX. After booking the flight, Delta changed the itinerary and I was unable to make the new flight times work. I contacted Delta and asked for a refund, and they gave me written notice that a full refund would be credited to my American Express. When I received the refund, it was only a partial refund, and the remaining amount was credited in travel vouchers. I reached out to Delta and requested that they honor the written agreement we had to refund me in full, specifically because at that time I had asked about travel vouchers and they assured me there would be no travel vouchers. Delta refused to refund me the difference. The only choice I had left was to file the complaint with AMEX and provide them the written documentation that I had with Delta. AMEX denied my claim stating that Delta said I had received travel vouchers and was not owed any money. Note : I have since filed a complaint with DOT against Delta.  I asked AMEX to review the claim again, and they provided me the same language that Delta had provided me travel vouchers. In addition to the travel vouchers dispute, when I had to rebook the flight that had been changed, that flight also was cancelled, and I am still being billed for that flight as well under the guise of travel vouchers being issued to me. To date I have been charged for 2 flights for my son and myself and not taken even one flight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26
Company: Paypal Holdings, 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 made a purchase from XXXX ( clothing company ) and decided to use PayPal at checkout. The initial full purchase amount was going to be {$17.00} ; however, I used rewards points at checkout which reduced the final purchase amount to {$8.00}. I processed the transaction using my PayPal account balance, which was {$22.00} prior to the transaction. I was assured during checkout that I would only be charged {$8.00}, and the email confirmations from both XXXX and PayPal both show the charge as {$8.00}. However, my PayPal balance after the transaction was processed was reduced to {$5.00}. Simple math indicates that my balance was debited the full {$17.00}. I initially contacted XXXX and was advised that if there was a pending authorization, it would fall off after 10 days and that I would receive the {$8.00} difference back into my account. That never happened. XXXX pointed me back to PayPal. I opened disputes with PayPal, only to receive a response with the receipt showing the transaction amount was {$8.00}. PayPal does not know how to do simple math, nor do they apparently keep running balances ( the website does not show starting and ending balances in transaction history, which makes no sense for a financial institution ). PayPal is refusing to work with me and has only advised that " any pending authorization will fall off in 10 days after the item ships to you ''. As I've stated, the transaction was back on XX/XX/XXXX and it is now XX/XX/XXXX. I received the purchased item from XXXX back on XXXX. It's been well over the timeframe for any pending authorizations/holds to fall off, yet I still don't have my funds and worse yet, PayPal thinks that no funds are owed to me so they are not taking action. I should not have to go through this much trouble for {$8.00} but at this point it is the principle that they have taken money from me and not only are denying its return, but are essentially stating that the {$8.00} never existed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-08
Company: Experian Information Solutions Inc.
State: MO
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 disputed inaccurate Bankruptcy on my credit report with court was told they don't report to the credit nor do they verify any information with the credit bureaus. But the credit Bureau keeps reporting this as accurate. I have also received a email from the bankruptcy court & XXXX XXXX saying they don't report to the credit .The credit bureaus are violating the fcra also the fdcpa by reporting inaccurate information and can't provide valid information

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to dispute the following information that appears on my consumer credit report : After numerous attempts to try and resolve erroneous reporting on my credit report. I am left no choice but to escalate these matters. 
XXXX, Transunion and XXXX  continue to report inaccurate public information on my credit. 
As a victim of Identity fraud. I have been working diligently to correct any misrepresentations on my credit report. 

The issues at hand involves a Dismissed chapter XXXX bankruptcy case on my report. I have looked this over and have found many inaccuracies with the reporting among the three above mentioned companies. 
The reporting date for this matter is XX/XX/2019 Therefore under the CFPB guidelines afford to me. I am asking that this be removed from my account for each agency. 



Thank you for your assistance.

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 2020-08-31
Company: Io, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Receivable Management Systems is assigned to handle my medical debts that I am not aware of. I tried to reach RMS via certified mail, but I never got their responses. They have multiple addresses. I have requested them to submit me a verification letter saying I owe two medical debts which I never have received any responses. Then, I have submitted them to delete my medical debts since that they have broken the HIPPA agreement as they did not responded back. The medical debts have been increasing over time while I tried to dispute with them. 

First medical debt : Original debt is {$350.00}, then now it is {$680.00} Second medical debt : Original debt is {$160.00}, now it is {$210.00} Those debts are for XXXX XXXX. I have disputed online that I am not aware about the second medical debt because I dont have XXXX  XXXX in Minnesota when RMS created in XX/XX/2020. It may be a false account to take more money. RMS also have charged me a few dollars every other week to drop my credit points long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX of XXXX XXXX to apply for a car loan. XXXX XXXX XXXX hard inquiry is of my knowledge. The salesman at XXXX dealership said he was going to get me approved at XXXX XXXX which he did. So that inquiry is valid XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX But all these inquires below are not valid and I didn't give permission. These below inquires should be removed based off Section 604 of the Fair Credit Reporting Act Section 604 - This section is about the situations in which consumer reporting agencies may provide a consumer report. These situations are also called the " Permissible Purposes '' to obtain a report. The section also lists some purposes where a consumer report may not obtain a report, e.g. marketing, curiosity, law enforcement NOT VALID XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX 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 2021-03-03
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The gentleman called me a XXXX  and was very XXXX with regards to the debt. I have no idea what debt they're talking about. All my debt has been paid or being paid.

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 2020-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I XXXX XXXX, have no choice but to submit a complaint against a nationally known vehicle finance company known as XXXX XXXX XXXX. My argument is based upon the implementation of two separate federal laws, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My argument is against an abusive derogatory placed on not only mine but my wifes credit report, with each respective credit reporting agencies, XXXX, rans Union and XXXX  respectively. I have had an impeccable payment history with XXXX XXXX XXXX since XXXX, as he attached credit reports shows Account Number XXXX opened XX/XX/XXXX, a perfect payment history until the vehicle was traded in for a new lease in XX/XX/XXXX. That loan payment history was perfect Account XXXX XXXX. As you can see from the attached two credit histories of the same account, on XX/XX/XXXX the account shows PAID. CLOSED/NEVER LATE as of the lease close out XX/XX/XXXX. At that time my wife XXXX took a new lease with XXXX XXXX XXXX XX/XX/XXXX. Is was not until a month later when both me and my wife received a notice by mail that there was an additional charge on vehicle maintenance. I made the necessary arrangement to pay the additional lease charge that had absolutely nothing to do with any payment history. XXXX XXXX XXXX can not mingle payment histories with any substantive collection issue after the fac. This is in fact not only a Fair Credit Reporting Act violation but a violation under the Fair Debt Collection Practices Act : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text If XXXX XXXX XXXX had a financial issue with the lease, then after the payoff the only remedy would be through the FDCPA. FCRA does not apply..period. Accordingly, XXXX XXXX XXXX has applied a separate but highly illegal interpretation in its collection criteria by abusing the FCRA along with its tightly controlled subscriber agreement with each respective credit reporting agencies. The Consumer Financial Protection Bureau is the super-ceding authority on the implementation of FCRA, and I believe that the XXXX   XXXX XXXX company should be investigated including a full legal review of its contractual agreements with the general public. Sanctions are of necessity on this issue. I demand the late payment back-dated to XX/XX/XXXX be deleted, and that XXXX XXXX XXXX issue a policy change to the American public through the CFPB.

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 2020-05-12
Company: Atlantic Recovery Solutions LLC
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS has been harassing me for months. Prior to the harassing phone calls they never mailed me any information regarding any alleged debt that they are trying to collect. I am confident that by them not sending me an initial letter communication for me to dispute any alleged debt that the debt they are trying to collect is not valid. In my letter to XXXX, I requested ARS to send me any documentation ( validation ) that they have that I owe a debt, documentation that the alleged debt is to ARS, & a copy of a contract I have with ARS signed by me that I have an alleged debt for any unpaid services that they provided for me. As of todays date ARS never complied with my request. I first received a phone call from ARS on XX/XX/XXXX at XXXX XXXX  and another phone call from ARS on XX/XX/XXXX at XXXX XXXX. ARS masked their phone number by using the number XXXX. On or about XX/XX/XXXX I sent ARS a letter advising them & demanding them to cease and desist from any attempt of future contact with me. Unfortunately, I continued to get phone calls from ARS ON XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, & XX/XX/XXXX at XXXX XXXX. again masking their # by using XXXX. The Fair Debt Collection Practices Act, or FDCPA, was passed in XXXX to protect consumers from being harassed by debt collectors. ARS is knowingly and willingly violating my rights granted to me by the FDCPA. ARS has called me at inconvenient times, such as before XXXX XXXX and after XXXX XXXX in my time zone, ignoring me when i asked them to cease & desist after they didn't provide me with my requested information ( mentioned in the 1st paragraph ). Furthermore, ARS is knowingly & willingly violating my rights granted to me by the " Truthin Caller ID act ''. FCC rules prohibit anyone from transmitting misleading or inaccurate caller ID information with the intent to defraud or obtain anything of value. ARS has and continues to display false representation & communication tactics. Based on ARS website they are located is located at XXXX XXXX XXXX # XXXX, XXXX, NY XXXX. The reason they mask their phone number and show a XXXX area code is because XXXX is the XXXX area code and my cell number is XXXX to try and deceive me in answering the phone. ARS is not located in XXXX! A DEBT COLLECTOR CANT USE ANY FALSE REPRESENTATION OR DECEPTIVE MEANS TO COMMUNICATE WITH SOMEONE IN ATTEMPT TO COLLECT AN ALLEGED DEBT AND OBTAIN ANY INFORMATION FROM AN IDIVIDUAL OR ABOUT AN INDIVIDUAL

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My XXXX XXXX Loan ending in XXXX, was originally Serviced by XXXX XXXX. Then, SETERUS, Inc. took over in about XXXX, then Nationstar Mortgage d/b/a Mr. Cooper took over in XXXX. During the transfer of Loan Documents Nationstar Mortgage failed to properly inform me of changes in documents that are required under Regulation X, including Disaster Assistance and forbearance programs available to struggling borrowers. I seek assistance from CFPB in correcting this Servicer fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE BEEN A VICTOM IDENTITY SOMEONE HAS OPENED A CRAD UNDER MY NAME WITH Bank of America, I HAVE DONE A POLICE REPORT SENT IT TO Bank of America ALSO TO THE 3 CREDIT BUREAU AND IT HAS NOT STOPPED I KEEP GETTING HARASSING CALLS THIS STRESSFUL FOR ME IM AN OLD MEN OF XXXXEARS OF AGE.

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 2021-03-03
Company: Experian Information Solutions 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:
XXXX XXXXXXXX XXXX is trying to come after me over an account that was awarded to my X husband ( XXXX XXXX XXXX XXXX in our Divorce in XXXX have not had financial responsibility on this XXXX XXXX XXXXXXXX card since XXXX. XXXX passed away in XXXX of XXXX and now Bank XXXX XXXX is trying to come after me. This is total fraud and should not be on my report AT ALL ... 

I am not XXXX XXXX XXXX therefore this should not be on report this is highly illegal and once again fraud. They are just trying to get money after someone has passed away and we have been divorce for over 30 years.

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