BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Greetings : I made a Money Gram Transfer onXX/XX/XXXXusing the online service in the amount of {$100.00} + {$12.00} for the service fee totaling {$110.00}. The funds were deducted from my account onXX/XX/XXXXTwo ( 2 ) days passed and the receiver never picked the money up, so I canceled the transaction. I contacted Money Gram and they stated it would be up to 10 business days ( I think it was ) so I waited. I did not receive my money back in the 10 days as promised, so I called again. The second call, they stated give it to Monday which was 2 more days away. After that Monday, I called again and was told to give it to the end of the week. Again, I waited ; still no refund. I called again and was asked to check my bank account ( no refund there ) and was given an email to send a copy of the transaction showing it was deducted from my account. I did that onXX/XX/XXXX ( an entire month has now passed ). Please keep in mind that NO ONE has contacted me AT ALL regarding this matter. I'm the one who has to keep calling them and every time I call, it's always something else they are asking me to do to show proof. Today XX/XX/XXXX.. now almost 2 months have passed and they are asking me to send them my ENTIRE BANK STATEMENT as if what I sent isn't showing enough. I've sent that in as well as of today. Today, I called the complaint line to file a consumer complaint and was directed to this website. I'm contacting you guys because I use Money Gram frequently and to have such a hassle just to get back my own money is RIDICULOUS!! I AM LIVID, DISAPPOINTED, FRUSTRATED AND READY TO HAVE THIS RESOLVED. No one should have to go through such extreme to get their money back. Every thing requested OF ME has been done ... why can't they just release my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: EQUIFAX, 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 status incorrect

Complaint:
I have incorrect 30 day, 90 and 120 day late payment on my XXXX  accounts but have documentation showing current and correct payment amount. I have repeatedly asked XXXX to fix the incorrect information on equifax, XXXX   and XXXX  for XX/XX/2016, XX/XX/2016, and XX/XX/2016. These late marks are hurting my credit report and preventing me from getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
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: Account status incorrect

Complaint:
I have incorrect 30 day, 90 and 120 day late payment on my XXXX accounts but have documentation showing current and correct payment amount. I have repeatedly asked XXXX to fix the incorrect information on XXXX, XXXX and transunion for XX/XX/2016, XX/XX/2016, and XX/XX/2016. These late marks are hurting my credit report and preventing me from getting a mortgage.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
State: OH
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:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-26
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 my card was declined for a transaction so I contacted cash app via email my card was also disabled I didnt change it to disabled. I tried to enable my cash app card because It was disabled Im figuring because I had entered the wrong pin. I email cash app they responded back a few days later XX/XX/XXXX gave me instructions about how to enable it but no more contact after. My issues is I never received my unemployment payment and my unemployment was linked to my cash app account. Still no word from cash app as of yet! Todays date is Friday XXXX XXXX. The amount of unemployment was {$1100.00} on the unemployment website it shows it was released to my cash app acct but it never went in to my account. No transaction history. I closed my account I dont know what to do. On top of that unemployment phone lines are ridiculously busy. Im just stuck. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: ALLY FINANCIAL 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:
The credit reports from Ally pulled by XXXX and several others were not by my consent.

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 2021-09-07
Company: Experian Information Solutions Inc.
State: NC
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'm filing this complaint against XXXX  and Experian because they have yet to remove this unverified account for my credit reports I previously sent them four letters attached with the letters I received from first XXXX XXXX  stating after they completed their investigation they determined that I'm not responsible for the disputed account but yet the credit bureaus have yet to delete this from my credit report so now I'm making this complaint so they can remove this negative unverified account.

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 2020-05-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX, XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I made a purchase at XXXX in XXXX, GA in XX/XX/2017. The store clerk persuaded me to apply for a XXXX card to get a special discount on my purchase. After a few weeks I realized, I hadn't received the card or bill, so I called XXXX and discovered they had the city of XXXX for my address. The receipt for my purchase however had the correct city of XXXX, GA for my address, so I have no clue why my card application was processed with an incorrect address. Anyway, XXXX corrected the problem, refunded all penalties and interest, and I immediately paid the bill in full. When I asked about the impact on my credit report, XXXX assured me it would be cleared up after 30 days. At this point, only Transunion is refusing to cooperate. My credit score from TU is 100 points lower because of this payment which was originally reported as late. I have tried to dispute this transaction with TU, but they keep over-ruling my objection because the information is technically accurate. The space TU has allocated on their dispute site wont let me enter this much detail, but this is clearly the creditors mistake and TU is failing to investigate the matter properly. This payment should not be affecting my credit rating as it has nothing to do with my ability or willingness to pay my obligations promptly

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 2021-09-07
Company: EQUIFAX, INC.
State: NC
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'm filing this complaint against Equifax and XXXX  because they have yet to remove this unverified account for my credit reports I previously sent them four letters attached with the letters I received from first XXXX XXXX  stating after they completed their investigation they determined that I'm not responsible for the disputed account but yet the credit bureaus have yet to delete this from my credit report so now I'm making this complaint so they can remove this negative unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places

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 2017-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX falsely reports accounts as derogatory/in collections for parties that never made a late payment and paid account off in full. 

I had leased a motorcycle with XXXX. A year later my motorcycle was totaled by a falling tree. I immediately contacted the agency and made them aware of the situation. I maintained communication with the agency regularly as the insurance companies were working on paying off the remaining balance. A month and a half afterwards, I had received a call being told I was delinquent in my payments. I never made a late payment, the money was extracted directly from my account and the funds were always available. I explained my situation of a totaled motorcycle and how I was waiting on the insurance companies to pay off the balance. Despite how many times I repeatedly explained my situation, I was repeatedly asked why I should be treated any differently than others that ca n't make their payments. The conversation eventually became so frustrating I had to hang up and call back someone else. Eventually, I did manage to get someone to put my account on hold until the insurance companies could finish processing the claim. I did n't understand how there was any confusion with the account. I had provided XXXX with documentation and questions from the insurance companies from within the first week of the accident. After the insurance companies payed off the balance in full, I noticed that XXXX had reported my account to the credit bureaus as derogatory/in collections, with late payments. I contacted XXXX and had to get a higher level supervisor because I was having problems with other employees that were insisting my account was reported accurately. After speaking with the supervisor, I was told it would be corrected and reported as paid off with no late payments. A month and a half later, it reflected on my credit report as I was told, my account was now in a good status. The following month, just last week, XXXX reported my status back to derogatory/in collections. My experience with XXXX has been horrendous, especially if I was to provide more detail. I seriously need someone to get this agency to correct things and quit harassing me.

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 2021-09-07
Company: LEXISNEXIS
State: CT
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 am in disagreement with the items listed below which still appear on my lexis nexis credit report. I would like these items immediately deleted. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. i have also attached screenshot evidence which highlights all the records that need to be deleted immediately. in addition i have attached my complete lexis nexis credit report which was sent to me. 

( SECTION 1 : IDENTIFICATION RECORDS ; LexID XXXX ; RECORD 1, RECORD 2, RECORD 3, RECORDS 4, RECORD 5, RECORD 6, RECORD 7, RECORDS 8, RECORD 9, RECORDS 10, RECORDS 11, RECORDS 12, RECORD 13, RECORD 14, RECORD 15, RECORD 16, RECORD 17, RECORD 18, RECORD 21, RECORD 22, RECORD 23, RECORD 24, RECORD 25, RECORD 26, RECORD 27, RECORD 28, RECORD 29, RECORD 30, RECORD 31, RECORD 34, RECORD 35, RECORD 36, RECORD 37 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have send multiple challenge letters to verify and validate the 100 % accuracy of the reporting of this account. They have never sent me a wet signature copy of the contract ... they never send me all of the documents that by law are required during a repossession process. they never send me the letter that i have the option to buy back the car per example ... this is a clear violation of my rights..XXXX  could not prove this debt was mine nor is it reporting 100 % accurately not 99 % or 80 % so they deleted it ... my understanding is that the other bureaus should follow suite as this is a violation of the law they are required to follow ... i am attaching a copy of my report ... look at the date of last active between transunion and experian..this account has obviously been reaged another violation

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 2020-05-06
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Attempted to open checking account with TD Bank on XX/XX/20. On XX/XX/20 I was told that they could not verify my identity, and that they were closing my account. I requested my {$25.00} opening deposit be returned to my XXXX checking account. 

On XX/XX/20 I received a statement from TD showing that they are charging me a XXXX XXXX  monthly maintenance fee for the account that they said was closed in XXXX. 

I tried to contact TD about this without success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just received my credit report and I noticed unauthorized items that I wasnt responsible for. The COVID 19 has been a disaster for me

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 2019-02-07
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management has incorrect information on my XXXX, XXXX  and XXXX credit reports. This incorrect information is hurting my credit score and my ability to get a home mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian dropped my FICO Score from XXXX to XXXX supposedly on some kind of " late payment '' After trying to get information through their terrible website, there is no such account listed under my name or SSN on their " report '' In addition, Experian does not allow for me to get any copy of anything regarding my credit report by downloading a file copy.

I don't need to print 18 YEARS of my credit history - just a data file copy trying to find 1 ACCOUNT PAYMENT - supposedly Please help me if you can and please support sweeping new Federal regulation and legislation to hold these people accountable. 

Thank you

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 2021-09-07
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: TN
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 did not authorize several of the items on my credit report. A list of such inquiries has been included to a Federal Trade Commission FTC report. It's a difficult time, and these phony accounts are making it even more difficult.

Company response to consumer: Closed with explanation