BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-29
Company: WESTERN UNION COMPANY, THE
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
On XXXX XXXX, 2017, I purchased a {$1000.00} at XXXX in XXXX, GA, from Western Union. This money order was sent to XXXX XXXX who claims that the money order was never received. This check has not been cashed. I have attempted many times to contact Western Union without success. Neither has the form been faxed to me per the telephone messages. It is impossible to speak with a live representative with Western Union.

I have tried over and over to place a stop payment. I have also sent the necessary documentation required. Unfairly, West Union charges the customer {$15.00} to secure this refund which appears to be very greedy. 
Money Order No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Failed to respond to my disputes. I have been sending in disputes for 4 months, and I still have not gotten a response. The Credit Reporting Agencies are not following the law. My credit file is important to me. Please!!!

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 2020-09-15
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: Information belongs to someone else

Complaint:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.

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 2020-12-17
Company: Experian Information Solutions Inc.
State: NM
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 has already dropped my credit score by three points upon opening of investigation. Nothing has changed on my report, but today it's down three points.

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 2020-05-26
Company: General Motors Financial Company, Inc.
State: MN
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 paid my account ahead of time and made addtional payments, on XX/XX/XXXX I made a ontime payment and it was processed, the company due to the covid XXXX processed the payment late and reported me XXXX payments behind. I have sent them certified mail and they do not respond to any requests I have made they only will send text messages. This is gross error and should not be reported late on there failure to process the payment. I am formally requesting my credit report to show current and no late payments for the month of XXXX or beyond. The payment was not greater than 30 days and was overpayments have been made throughout the course of the loan. Gm financial is practicing illegal reporting tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$100.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6400.00} XXXX XXXX Balance : {$8000.00} Chapter XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2017-11-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rented a house with 3 other individuals from XXXX XXXX XXXX in XXXX, CA in the year XXXX, 2 of the roomates left before the lease was up so I was forced to leave because I could not pay the rent alone with the 1 roomate who was left. I made several attempts to contact property management to explain what happened and return the keys. We ended up going to court with the company after they " evicted '' us, although neither of us were no longer living at the property, we explained what happened to the judge he told the property manager to go to the house and make sure the house was not damaged. We returned to court a second time, the property manager reported the house was in good condition and he dropped the law suit without prejudice. Months later I am being charged for over {$10000.00} in damages to the home. I tried resolving the problem with the original company and they claim to not have my file and neither do their corporate office. I then went straight to XXXX and sent my supporting court documents of the results of the case and they were able to remove the collection. I attempted to also dispute with XXXX but they are claiming they can not do anything, that I need to have the company remove it from my credit report, even though i explained to XXXX that I have already made numerous attempts to do so with no success. I am at a loss of what options i have left to remove this from my credit. Thank you for your time.

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 2021-09-22
Company: ZARVAD III S.A.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I got a loan for {$700.00} 0n XX/XX/2020 and now they want me to pay {$1300.00} back and which I tried to make payment but it got to the point where I could no longer make any more payment. Now they calling me with threatening phone calls stating they have file papers on my at the courthouse. They calling and harassing people that I don't know or associate with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I applied for credit in this consumer credit transaction and somehow this transaction was turned into a loan. My credit card was used to pay for the property and Capital One Auto Finance did not disclose to me that this is an attempt to collect a debt. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Summit AmeriFirst 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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXXXXXX XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Home Loan Center, Inc.
State: IL
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:
Ive recently received a letter about trying to qualify for a loan thru XXXX XXXX XXXX XXXX in witch Ive never heard of or applied for now my credit score and personal information was provided to them thru XXXX XXXX which Ive called and asked to be removed from and who they were and why they had access to my personal credit information without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my own insurance on my home it was XXXX with an escrow account then they sold my account to shell point mortgage servicing. I paid twice for the same insurance policy. I talk to a man at shellpoint mortgage servicing in escrow account dept. I email a copy of my paid insurance policy of $ XXXX I send my house payments they take out for the escrow of {$36.00} & my policy is paid up. I didnt get nothing from XXXX  telling me they had sold my account to shellpoint.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I called TD Bank on XX/XX/22. They told me they are going to look into the fraud. They also told me to contact the XXXX to file a a fraud report. Someone opened it looks like XXXX different accounts in my name with TD bank. I received XXXX checking account booklets with checks in them and also XXXX different statements that said the account is in overdraft. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Equifax and XXXX are making it exceptionally difficult to freeze my credit and charge money for it even though their lack of security and them gathering my information is why I want my credit frozen in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion has failed to properly verify the account in dispute and have sent a stall letter. My dispute letter wasnt sent from a third party I attached my licensed and proof of address. They are prolonging my 30 days investigation by sending them letter instead of properly validating or removing the accounts on my file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Am in desperate need of help’ I’ve been banking with chase for 9 years now. I work very hard to make my money the correct way. I made the mistake of trusting someone close to me. I know this person since I was a child, he knows everything about me. He got a hold of my card and deposited checks because he knew my information. I honestly was working this day and had no clue what was going on. I went to chase and explained but they claim since the person knew my information there’s nothing they can do and that my account will be closed. Mistakes happen all the time what about how long I’ve been banking with you guys that does not count ? How I never committed anything wrong, not only am I not allow to get a chance but I can’t open with no other bank! XXXX has me as XXXX this is not fair. It has me depressed please me or give me another chance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Alliance Collection Agencies, Inc.
State: WI
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:
XX/XX/XXXX XXXX XXXX Hospital, XXXX XXXX XXXX XXXX XXXX, WI was dispatched to my home, where I had fallen. For which the total cost is now showing on my credit report as a delinquent amount of {$3000.00}. As recent as of XX/XX/XXXX and to remain till XX/XX/XXXX. Is now in the hands of Alliance Collection Agency. I would not have known this outstanding derogatory bill was on my credit report Except I began the process of buying a home. I have had XXXX XXXX since XX/XX/XXXX. Some how XXXX, XXXX XXXX Hospital deemed me responsible for the bill, for which I explain to them XXXX would take care of it. However it did not. On XX/XX/XXXX I contacted XXXX Supervisor XXXX XXXX XXXX ( XXXX ). He advised me to talk with XXXX in billing. Both had explained to me there was no longer a balance due and XXXX explaining that XXXX ( XXXX XXXX XXXX XXXX XXXX ) who assist in medical where XXXX does not, Had taken care of the balance, according to XXXX XXXX, this mater was handled on XX/XX/XXXX. I have also spoke with the Alliance Collection Agency and it seems as though the matter is getting worse. There are two other matters on My Credit Report as well for which I have satisfied but have not yet been deleted as resolved. However I am filing complaint one at a time, this one being the largest and most difficult. I hope I have included all that is needed for this matter to receive your attention. Please Help.

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 2022-02-17
Company: International Computer Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX and I don't have any form of contract or agreement to FIRST COLLECTION SVCS ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX. I have been sending written letters to XXXX about this matter but they are still neglecting my request of getting it removed. Also, I have asked for some copies of any signed agreement between me and XXXX XXXX XXXX but until now, I got nothing. This is a serious matter for me and XXXX and the furnisher should take this complaint seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Keynote Consulting, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called Keynote Consultants who is managing a collection account of mine for XXXX XXXX at XXXX XX/XX/20 The man I spoke too identified himself as XXXX XXXX XXXX Now Mr. XXXX is listed as the company 's COO and I highly doubt that he himself would be handling collection accounts or speaking to debtors in such a derogatory manner. But that's besides the point. I was looking to see how accouny could be settled. I asked if I could offer and amount to be presented to XXXX XXXX yo clear debt and update as such on my credit. The man on the phone stated " I can settle debt, but I can't remove it from your credit, I'm not even allowed to, its against the law. '' Now am I to believe that if I settle a debt I can not receive it in writing? That if I settle a debt I can't have it updated to my credit as paid? 

He proposed a question, " If i close this account for {$3800.00} but don't send it in writing and don't report it as paid do you want to settle? '' I answered " not without it in writing '' His response " enjoy seeing it on your credit for 7 years and hung up '' Someone please help the way this person spoke down to me and refused to present offers to client is very wrong.

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 2017-07-11
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: Account status incorrect

Complaint:
I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to XXXX numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called XXXX over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX GAP to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking XXXX to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the XXXX personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be 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 non-monetary relief
Consumer complaint received 2021-09-08
Company: ALLY FINANCIAL INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
I had a car loan with ally bank ( XXXX XXXX XXXX ) then traded for a new car ( XXXX XXXX XXXX ) new loan was again through ally but in the process the dealer was late with the paperwork and ally put a late payment on my credit report and now refuses to remove. All while Ive been with them for years and never missed one payment. And to make matters worse they have a recording of one of their employees telling me over the phone that its going to be removed but even that means nothing to them!

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 2020-08-03
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: Investigation took more than 30 days

Complaint:
There are two accounts from XXXX XXXX XXXX XXXX that are reporting on my credit profile that I know aren't mine. XXXX and XXXX removed the accounts because the found the accounts to be invalid, I tried to do the same for Experian but they are still reporting the accounts on my profile. I sent a letter to them certified mail requesting they review my profile on XX/XX/2020 and to this day I have not received not one single update. It's been over 30 days and not one update on this account being removed. I have the certified letter receipt to show that they received and signed off they received my letter on XX/XX/2020.

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 2022-02-17
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Truist Bank - XXXX, NC XXXX. On XX/XX/XXXX I went to the Truist XXXX to pay off my loan balance with my existing checking account after more than 7 years of timely payments for my XXXX  year loan. The front door was locked soIi went to the drive up window. I shared my drivers license and account information and the staff member went to his terminal. The onsite personnel were unable to complete this request for over XXXX minutes ( XXXX bankers and no other customers ). After waiting patiently, i asked what was taking so long. XXXX XXXX XXXX XXXX said i could have done this online and they didn't need/want my business. The transaction was finally completed and I left frustrated and offended.

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