BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-18
Company: Google Compare Credit Cards Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I am an XXXX and XXXX  for website XXXX XXXX XXXX. I monetized XXXX XXXX with Google Adsense program, In XXXX I earned {$120.00} which I was paid. Then I worked hard on XXXX XXXX by writing more content to earn more money to support my family, in the month of XXXX and XXXX I earned {$300.00} and {$190.00} respectively. I was supposed to receive my XXXX earning on XX/XX/XXXX but Google disabled my Adsense account on XXXX XXXX just before the payout. Now according to Google terms if they disable the account before the payout they are not entitled to pay any money. So I lost {$300.00} and {$190.00} for XXXX and XXXX. They disabled my account for invalid click for which I am not responsible. I am innocent, I never clicked on my ads or encouraged anyone to do so. I know doing so will ban my account and I will be left with no money. I appealed several times to Google but I always receive an automated response within a few minutes saying they can not reinstate my account. I wrote many emails but received no response, there is no phone support. I was dependent on Adsense  earning, I am a mother with a XXXX-year-old son, I am suffering a lot because of this, 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 2018-03-14
Company: WESTERN UNION COMPANY, THE
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I initiated a transfer online to send {$500.00} to my girlfriend in XXXX. I used the option to pull the money directly from my bank account rather than using my debit card because the fee was slightly cheaper. Total cost of {$510.00} was removed from my account. Using the tracking number we could see it was available for pickup. But when my girlfriend went to pick it up on XX/XX/XXXX she was denied and there was a hold on the transfer. 

I called Western Union and they told me they couldn't make the transfer. Then they said they could and gave me a new tracking number. But it also was denied when she went to pick it up. I called again and they said they would refund the money to me but that I had to pick it up myself. They gave me a another new tracking number. I told them I can't go to a western Union as I'm in XXXX XXXX, XXXX, XXXX. One rep said I could pick it up whenever I get to a location and one said it's available for 45 days. I am not and will not be near a western Union for who knows how long. Picking up the money is just not possible. 

I asked why they can't put the money back in my account the same way they took it out and they said it was because it was a cash transaction. I told them no I did it online. They still said I had to pick it up in person. I told them again where I am and that I can't go pick it up. I asked if my mom could pick it up but they said they can't change the transaction at all. 

On XX/XX/XXXX one customer service representative told me she could put in a request to transfer it into my bank but that it probably would not work. It didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted the collection agency by letter written on XX/XX/2018 to negotiate the debt they claim I owe them, try to negotiate the debt by paying a portion of XXXX it to be delete from my credit report until at the moment. I have not received any response about it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE A MEDICAL DEBT FROM A XXXX XXXX THAT IS BETWEEN 15-20 YEARS OLD.

I HAVE DISPUTED THIS WITH XXXX AT LEAST FOUR TIMES ON XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX WITH THE DEBT BEING DELETED ONLY TO SHOW UP AGAIN THE LATEST NOW IS XX/XX/XXXX. THE DEBTOR IS COMMONWEALTH FINANCIAL SYSTEMS WHO IS THE ORIGINAL DEBTOR BUT SOMETIMES HAS SHOWN UP WITH ANOTHER DEBT COLLECTORS NAME.

I MEAN HOW LONG CAN THEY CONTINUE THIS HARRASSMENT?? IT ISN'T FAIR THEY KEEP DOING THIS. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: BARCLAYS BANK DELAWARE
State: NC
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:
On Tuesday XX/XX/XXXX I found out that I am a victim of Identity Theft and an Unsecured Personal Loan in the amount of {$35000.00} was issued by Barclay Bank to the thief. I also found out that a XXXX Checking Account was opened in my name and the {$35000.00} went into this account. I've made numerous calls to the Barclay Bank Security Division at XXXX -- XXXX and spoke with the investigator XXXX. XXXX told me time and time again that she can not share information with me in regards to where the account was opened. I confirmed with her all of my information is correct on the loan application ( SS #, DOB, Address, Drivers Lic. # ) except the email address and my place of employment. The email address used on the application is not my email address, but XXXX said she could not tell me the email address. She did tell me the employer used is " XXXX XXXX '' which is wrong. I've tried to get other information but I've been told time and time again that it is under investigation, I have to be patient. I spoke with XXXX on Friday XX/XX/XXXX and she became very irrate with me, told me not to call her anymore, she is not giving me any more information, that the XXXX Police Detective assigned to my case # XXXX needs to get a subpoena for the information. The XXXX Detective spoke with XXXX, told her that this is a fraud investigation and she needs to give the information and again she told him to obtain court documents. Today Saturday XX/XX/XXXX, I received a letter from XXXX in regards to me putting a Fraud alert on my SS # and this letter clearly states the following : " You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing '' NOT once did any of the Security Fraud Associates that I or my wife spoke with or XXXX at Barclay Bank explain to me if I submitted a request in writing for this information they would give it to me. Clearly, under the law ( which I have been saying over and over again ) I am entitled to all the information used to obtain this XXXX $ FRAUDULENT PERSONAL LOAN that was approved ONLINE with no face to face interaction. 

I will be calling XXXX at Barclay Bank on Monday XX/XX/XXXX to get an address, email address, fax # so I can submit a request in writing for all the information regarding this Fraudulent Personal Loan.

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 2018-08-08
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I never received the bill from Barclaycard, and they assessed an interest rate of 26 % ( which I believe is anyway illegal and usurious ) I called and they said they can not waive the {$1300.00} interest

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 2021-04-09
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: Their investigation did not fix an error on your report

Complaint:
Experian has been notified that the office of the attorney general does not properly report payment history no less that 3 times. Every time I dispute, oag updates the payment history. If oag is to be allowed to report to the credit companies, they must report accurately. They have consistantly proven that they are un able, there fir they must be blocked from reporting and the item must be removed from my credit file. 

Experian has asked me to upload the agreement between me and the oag, to prove that they are reporting inaccurately. I tried to upload to their website 3 times but it fails each time. 

In the attachment you will see that the agreement is new, I can not be past due for a new agreement. You will also see that oag does not own the debt, therefore they can not report on the debt, that is the responsibility of the debt owner. You will also see that oag does not disclose how they will report late payments, so reguardless of what they say, they have no authority to report, and they can not report at all since the info is not disclosed in the agreement. Please remove from my credit file and block further reporting. 

Also, I was not given a choice to sign or not sign, I was forced to enter into the agreement against my will.

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 2021-04-09
Company: EQUIFAX, 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:
XXXX XXXX  claims that I have a loan I took out with them this happened when I went overseas for a year I never took out a loan with XXXX XXXX I have tried to correct this problem with them several times they will not change it on my credit report I did not apply or sign for a loan with XXXX XXXX they are unable to produce a signature on this loan I am hiring a lawyer and also going to get a lie detector test and bring the results to the hearing when we have a hearing on that I am going to charge XXXX XXXX with all lawyer fees and the lie detector test this is the only way I know that they will take it off my credit report they accuse me of opening this account when I did not open it XXXX  XXXX will be responsible for any lawyer fees and the lie detector test to prove thate I did not take out this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I applied for an account with XXXX  XXXX XXXX XXXX and will be denied if I'm unable to have this information from XXXX XXXX. I was told there was account reported on XXXX XXXX with my name, address but the wrong social security number. This account was reported by Bank of America for suspected fraud. I have been unable to get in contact with Bank of America because the phone system doesn't allow you to speak with Customer Service without a valid account number or social security number. 
I also tried to contact a local Bank of America with no response. I submitted a dispute with XXXX XXXX and I am waiting for a response.

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 2019-06-13
Company: Ditech Financial LLC
State: FL
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 received a letter from the IRS dated XX/XX/XXXX saying that they received a XXXX from Ditech Financial LLC claiming I had a debt of {$20000.00} in XXXX and I needed to pay taxes on the Cancellation of debt, about {$3000.00} dollars. 

Ditech Financial LLC XXXX XXXX XXXX XXXX, AZ XXXX I mailed and faxed a dispute on XXXX to Ditech explaining I have never applied for any kind of credit from Ditech Financial LLC. I requested a copy of the 1099-C and any information they may have regarding this fraudulent debt under my name. I suggested investigation should be open immediately within Ditech Financial LLC to get this matter resolved as soon as possible and clear my name. 

I informed, faxed evidence of identity theft to the IRS personnel XXXX XXXX XXXX, stating that was not my debt and asked for an investigation to be opened with tax fraud to get this off of my name. The IRS didn't do anything and is still trying to collect taxes on the debt from Ditech. 

I received no letters or phone calls or any action was taken to resolve this matter from Ditech or the IRS, today is XX/XX/XXXX and nothing has been resolved. 

I informed the Credit Bureaus as soon as this happened and they placed an Identity theft alert on my profile right away. I have contacted local police to open an investigation as an attempt to get this resolved.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-20
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently became a XXXX XXXX XXXX XXXX  XXXX veteran. At the time I had good and excellent credit scores with transunion and equifax. 

a benefit I applied for was an XXXX XXXX charge card. I got the card with. {$5700.00} credit limit. 

My credit scores immediately dropped by 120 points because I got the XXXX XXXX card. I am debt free and had no credit problems before this event. 

Now my credit scores are in the 500s and 600s down from the mid 700s just as I was approved to buy a home by my credit union. Now, my suddenly poor credit will be used against me in every arena all because I got a military charge card that I havent even used. 

So, in essence, Equifax and XXXX  are telling the world Im a poor credit risk suddenly because I got a XXXX charge card. As far as im concerned, this is criminal defamation of my character because I pay all my bills on time, everytime. 

These credit reporting agencies need to be invested for ruining peoples lives and reputations like they did mine. 

Im XXXX years old and dont have time to rebuild their opinion of my fiscal responsibility which is excellent despite their algorithmic opinion of me as an individual and American Military Veteran. 

They have ruined citizens lives numbering in the millions all the while enjoying the fruits of their corruption. 

Shut them down and start a whole new system to determine credit worthiness period!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Report provided to employer without your written authorization

Complaint:
I have tried to resolve the inquiries on my credit report with the consumers but the customer service rep. was not interested in helping me remove the negative inquire on 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 2021-10-12
Company: Recovery Solutions Group, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Recovery Solutions Group LLC has repeatedly contacted our XXXX XXXX email over a debt the original creditor ( XXXX  ) was well aware of an ongoing dispute over the balance from 2016. The debt of {$2300.00} supposedly owed to XXXX  is a false debt. As this was for an AC unit in which their sales man gave us a discount of that amount. After documents were signed and the AC unit was installed, XXXX claimed the sales agent didn't have the authorization to provide such a discount and that he had been fired. They ( XXXX ) have tried to collect on this amount after they knew very well about what their salesman did. We went back and forth with XXXX  on this issue in 2016. Fast forward to XXXX we received a collection letter from Recovery Solutions Group LLC for the above mentioned amount. 
Recovery Solutions Group LLC has repeatedly violated FDCPA by harassing our business line, and emailed the business email regarding the debt which included harassment of a judgment and tarnished credit. After sending them a Cease & Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
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:
Hello I been disputing an auto loan on my Equifax report for one year and a couple month and Equifax did not never send many anything was verify with signature. I know you guys has access to my XXXX and XXXX and you can look and see there is no car from XXXX XXXX and I never this account. I see where XXXX XXXX  is on my credit report and I dont even know who that is. XXXX XXXX is on my report I never knew XXXX XXXX  had a card and I know this is a mix up because the bill was paid and I did not pay XXXX XXXX   anything because i never had a card with them. I see XXXX  XXXX   is on my report this is not me a mix and this is hurting my credit. Can you please reinvestgate and help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried working with the company to resole the issue however they are not willing to resolve this issue. I have a few hard inquiries from XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Convergent Resources, Inc.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received collecting letters from Convergent on behalf of XXXX for an apparent $ 5,000+ debt that is not mine. 
I have never been a XXXX customer. 
When I called both ( XXXX & Convergent ) they indicated that the account on their end had my name and social security information although the address was from Ohio. I live in XXXX XXXX and this is the only residence I have ( and always have had ). 
This debt, on collection, is not mine plus negatively impacts my credit report/score.

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 2019-06-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing to dispute a billing error ( fraudulent usage of my debit card ) in the amount of {$150.00} with four fraudulent charges made on my account. The amount is inacurrate because someone fraudulently used my card after I lost it and was used at XXXX XXXX XXXX where I have never been. I followed all electronic Funds transfer rules and notified USAA immediately within an hour and the card was cancelled. The USAA employee said she would put in a fraud on those charges but never did. I spoke with someone in Security and he said they couldn't add the money back in because I did not file a police report even though no one told me I needed to. I filed a police report and sent a registered letter to USAA and never received any response from them after waiting three weeks.

It is clear to me that USAA could care less about their customers and saw how many complaints about them on claims. Do not use them and keep in mind that those people in the commercials are clearly paid to say good things. They just use military people to make money off of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Please remove the fraudulent accounts and inquiries on my credit report. The charges on my account were not authorized. Please block and remove these accounts from my credit report. I am demanding that the fraudulent charges and inquiries be blocked and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX XXXX XXXX Assets : XXXX XXXX XXXX, Chase IRA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Chase Money Market, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 18 month Criminal Extortion Estate and Trust HOMEOWNERSHIP XXXX V. XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX Homeowners Association Deeded Lots Wife and Child XXXX XXXX XXXX Sister Tax Return V. 
XXXX XXXX XXXX, XXXX XXXX Chase Bank Employee, 3 Weeks XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation