BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Moneygram.com is the company involved. 
I am a customer of Moneygram for the past 4 years. 
I send money for rental apartment payment every month to XXXX. 
When my husband went to pick up the money from the same location Every month ... .today as of XX/XX/2018 I have sent the money online, And the transaction went through, got the Reference Number. 
When husband went to the Moneygram location in XXXX, XXXX He was told the money was not there. 
I called Moneygram immediately to inquire what was the problem ... 
I was informed that Moneygram was very uncomfortable to proceed With my transaction therefore they canceled it. 
They didnt give any reason why this action was taken so drastically. 
No warning, no explanation whatsoever they just closed my account and Told me I was no longer able to ever use any future transaction with Moneygram! They denied me service just like that!

I need their service to send Money for my husbands rental apartment! 
I really need your help in this matter why Moneygram denied me their service I did not do any crime, anything illegal, anything  wrong! 
I have been a customer of Moneygram for 4 years! 
I need a good explanation why they drastically canceled my Moneygram Account! 
Your promptness is greatly appreciated. 
Very respectfully, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied American Express 's Premier Rewards Gold card in the beginning of XX/XX/2018 ( Reference #  XXXX ). I have never had such a harassing, convoluted experience in my 50+ years of experience with financial institutions. I have released very personal information to American Express in the form of my taxes and am absolutely horrified at the lack of professionalism with which they request and handle this information. I am filing a complaint 2 months after the initial application due to the following events : I received a letter shortly after filing my application requesting a XXXX and a letter from a bank stating my home address. I provided both of these items in a timely manner. This is in spite of the fact I was told by my bank that it is not in their practice to provide such letters. I eventually was able to obtain a " Deposit Account Balance Summary Request '' that included every single item they asked for ( bankers name and number, branch name, my address, etc. ). At this time I called American express within the next 2 days to confirm timely receipt and processing of these document. This time I was told that they were attempting to contact the banker and were not able to do so ( apparently trying consists of calling- who knows which and at what time of day- number two times ). I was informed that because American Express was informed the banker was out of the office that he would need to call them. Now, I'm no expert but it seems that if the banker ( whom you have now confirmed works there ) is not in the office you could confirm my information with the banker that was speaking with you. During one of my subsequent trips to my bank I did ask my banker to make this call to American Express -- and he did with great difficulty. The first time he called the number provided on the notice from American Express did not connect with the correct department handling my case. The second time I went to my bank specifically to make this call ( after I did research to locate the correct number -- note this is absolutely absurd ), My banker was told the department was not in ( had left for the day ). I asked the representative of American Express to notate on my account that the banker and I had called again and he did. I assumed this was the end of this 2 month fiasco with such a " reputable '' company. Alas, I called back a few days ago and they asked me to go back to my bank a third time and call again. This is absolutely unheard of -- this banker is not my personal assistant and I should not have to make a third trip to my bank for the ineptitude of your employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Experian Information Solutions 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:
XXXX XXXX,2017 numerous disputes were sent out to the 3 credit bureau about unauthorized inquiries on credit report. i also sent out certified mail 's to creditors no response. XXXX inquires on XXXX. XXXX inquires on Experian credit report. XXXX inquires on 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 2021-02-22
Company: Allied International Credit Corp., (US)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Allied International Cerdit Corp XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX sent me a debt collection letter saying that i owe XXXX {$71.00} i do not have an XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: EQUIFAX, 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:
This company began trying to collect on this debt inXX/XX/2015. Fortunately, this company is not licensed or bonded in the state of Texas to collect a debt. By law, they are to remove this debt from our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Experian Information Solutions 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:
There was nothing to explain further. I have been sending letters to Experian for months now and I have repeated myself over and over again. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED FROM MY CREDIT REPORT XXXX XXXX ( this account is being reported multiple times! ), XXXX XXXX XXXX   XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX   XXXX ( reported duplicate on my credit report ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX -  XXXX XXXX ) XXXX, Chapter XXXX Bankruptcy XXXX-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 non-monetary relief
Consumer complaint received 2018-11-09
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: Personal information incorrect

Complaint:
This is the second time I have request a removal of the fraudulent addresses from my credit report, and stated that I am a victim of ID theft. 
My Name is XXXX XXXX XXXX, please remove any other variations of my name. Please remove the following addresses, I do not live at and are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX, OH XXXX I would like the following phone numbers removed from my credit report as well, they are not mine : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have two certificates of deposit with XXXX XXXX I have no credit cards, debit cards, not even an ATM card. On XX/XX/2018, I received a text message on my mobile phone, coming from address XXXX. 

" FreeMsg : XXXX XXXX. Your TJX Rewards Platinum Mastercard acct is past due. This is to collect a debt, info will be used for that purpose. Call XXXX or go to tjxrewards.com. To Opt out reply STOP. '' I checked the phone number shown and the website and these both belong to Synchrony. The card in question is a TJMaxx-branded card of Synchrony. 
Since there is no debt and the message is a fraud even though it is from a real bank, I blocked the number on my phone. Since then I have received 18 calls to my mobile from either the same Synchrony number shown above or from a blocked number, and an additional eight calls from XXXX. A XXXX search revealed that this is also a Synchrony number. I also learned that Synchrony, and its predecessor GE Financial, have been making harassing and phony calls from these numbers for years. 

Of the 26 calls I received, seven left the following identical message : " This is a message from  XXXX XXXX regarding TJX Rewards Platinum Mastercard. Please return our call to XXXX. For faster service visit our website at www.tjxrewards.com. Our mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX. Again please call XXXX. This is a recording. Thank you. '' I have tried to block the incoming number on my phone but the calls keep coming. The most recent was last night. As with the text, the website and telephone number shown belong to Synchrony. Additionally, the mailing address shown is a Synchrony address, minus the word " XXXX. '' Note 1. On XX/XX/XXXX I sent a letter to the President of Synchrony Financial, parent company of XXXX XXXX. 
Note 2. On a following screen I checked that the credit card has the same address as my home address ; I did this only because your computer would not let me proceed otherwise. I want to emphasize that there is no credit card, no account of any kind with Synchrony or TJMaxx to which I could possibly owe a debt. 
Note 3. The two certificates of deposit are held jointly with my wife. She has not received any communication from Synchrony so I'm not providing any identifying information for her.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company ( SANTANDER ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$7400.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Aargon Agency, Inc.
State: NV
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:
Ive paid off my major three creditors and they are trying to double charge me I have a XXXX balance and then all of a sudden I have a balance again, they got paid, I have the proof and screen shots from Aargon agaency. One was XXXX $ the other is XXXX $ and Im getting charged double my debt shouldve been XXXX instead its XXXX $!!! Now its XXXX, but I have my letters of deletion and paid in full. Its very odd to me that creditors can bully people like this. I should be debt free now since I was caught in two breaches but Im still screwed and I paid off XXXX in debt, and its stills showing and I have XXXX in new cards and its not showing

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 2018-08-25
Company: CITIBANK, N.A.
State: KY
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:
The following are hard inquiries on my account that don't belong because I've never applied for a credit card with any of these businesses. There is currently an investigation going on in which my mother had taken loans on my credit and I believe she is the one still applying for credit cards. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
Cbna Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks

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 2020-09-22
Company: Experian Information Solutions 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 LOOKED AT MY CREDIT REPORT AND I AM IN DISBELIEF AT HOW MANY FRAUDULETN ACCOUNTS APPEARED ON MY CREDIT REPORT. SOMEONE HAS MY INFORMATION AND ARE FRAUDULENTLY USING IT WITHOUT MY PERSMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS 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 explanation
Consumer complaint received 2020-11-28
Company: EQUIFAX, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
there are unauthorized inquires and other account problems as listed in attached XXXX  doc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
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:
There was nothing to explain further. I have been sending letters to XXXX   for months now and I have repeated myself over and over again. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED FROM MY CREDIT REPORT XXXX XXXX ( this account is being reported multiple times! ), XXXX/XXXX XXXX, XXXX XXXX ( account reported twice ), XXXX ( Original  Creditor : XXXX XXXX XXXX ) XXXX, Chapter XXXX Bankruptcy 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 2020-06-30
Company: SYNCHRONY FINANCIAL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was the second signer on a Care Credit Card through Synchrony Bank. account # XXXX .Account Balance was {$830.00}. I did make all the charges on it my Ex -significant other made most of the purchases. He told me he paid it off and I have a screen shot of the pay off from XXXX Credit report ( see attached ) I called Care Credit and they refuse to help me and transferred me to a Global Call center where they refuse to send me a copy of the Care Credit Statements. I tried to log in to the Care Credit account and it says the account was closed. Then I received a letter with Synchrony Bank & Care Credit on it that said my closed account was sold to XXXX XXXX XXXX XXXX ( see attached ). Then XXXX XXXX started harassing my mother & I with collection calls. I called XXXX and a very verbally abusive female yelled at me and said I owed the {$830.00} and she would make me a pay off deal to subtract {$170.00} dollars. 
She stated Care Credit sold the debt to their company. I told her about my XXXX  credit payoff and she said I was " wrong '' and XXXX will sue me for the {$830.00}. 

I believe Care Credit and XXXX  are in violation of the Fair Credit Act and Harassment of creditors and refusal to send my last Care Credit statements. 
Please help me resolve and prove the pay-off on XXXX 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 explanation
Consumer complaint received 2018-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital one placed restrictions on 2 of my credit cards and changed credit cards and refused to send me new credit cards once they was completed with fraud investigation. They also reported false information to credit bureaus that my accounts was past due. I have contacted capital one fraud management to try and resolve this matter. Capital one is taking money automatically out of my bank account monthy for my payments. This is so unfair to me as a customer. If capital one dont send me new credit cards and remove restrictions from my cards, I will not be paying them any longer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12
Company: ID Analytics, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
several times ive tried to contact sagestream to find out about my security freeze with no response or letter in the past 30

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Early Warning Services, LLC
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Early Warning Failed to supply sufficient evidence to show why they say the information is valid, and also XXXX just send me a secure message indicating the account is still open with credit available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: AES/PHEAA
State: NJ
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:
Well, I have already submitted a complaint through this medium against XXXX XXXX, but I have received yet another troubling letter from them, along with information stating that I will have funds directly debited out of my bank account. I have already cancelled my direct debit agreement, as stated in my previous complaint. If they directly debit money out of my account, I will pursue IMMEDIATE LEGAL ACTION ( already in the works ). Even more troubling, I received a letter just this morning stating that my deferment date was changed to XX/XX/2018. This bill was postmarked XX/XX/2018. This is an example of an ex post facto violation of a contract between lender and student, one which is highly unorthodox and illegal. I refuse to pay this loan company, XXXX XXXX, any more of my loans, and I demand that they immediately cease and desist any and all communications with me, and forgive the entirety of my debt because of their unfair, illegal, and unethical practices towards a consumer. I will forward any and all communications from XXXX XXXX  directly to the CFPB and directly to my lawyer, who is preparing a legal case on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They told me they couldnt access my account because of a creditor & I have nothing on my report! Just call back and see if you can access it then!

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 2018-11-09
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My XXXX card that I have through SYNCHRONY BANK has been closed by the bank. 
On XX/XX/XXXX I made a payment of {$150.00} only to get a letter a few days later stating they had closed my account because of to many dishonored payments. I have had NSF 'S but I also know that when you have them that you pay for them through fees. 
I have fell into hardship. I had an accident was out of work, went back to work, then Hurricane Florence hit, and that put me back out of work. As of right now my account is caught up. I had no idea about the closure until I received a letter ... I then called Synchrony Bank and talked with 2 representatives and got no response except you can't have NSF 'S with us or we will close your account. They acted like they could careless about anything. Not profesdional and that is not acceptable I have paid the fees when that happens.

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