BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-27
Company: Credit Bureau Services Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX Credit Bureau Services was contacted in regards to notice received in mail. Notice received in mail was in regards to collection in amount of {$360.00}. Upon contacting Credit Bureau Services, a collection agency representative notified me of the attempt to collect a debt on behalf of a company. I asked if the account was already reported to the credit bureaus. I was told no. I asked if I paid in full would the account be reported to the credit bureaus. I was told no. I provided payment information for the aforementioned amount in full. The full amount was debited from my account 3 days afterwards. 
XX/XX/XXXX Credit Bureau Services was contacted in regards to collection account showing on XXXX  credit report despite having paid in full and being told they would not report if payment was paid in full. Representatives of Credit Bureau Services retracted their original statement that they would not report on my credit after paying in full. Instead, Credit Bureau Services then told me that they report regardless, even if the amount is paid in full. I was told they went back to listen to the call made between myself and the representative. I was told I did ask whether or not it would be reported. I was told the representative explained to me that it would be reported anyway. Despite contesting this claim, I asked if I could hear the recording and was denied. I was told Credit Bureau Services reports in the middle of the month and that they specifically reported to the credit bureaus on XX/XX/XXXX. I asked again, if I paid in full prior to the reporting date, why did they go forward with reporting. I was told it is their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. 



Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
sick during covid for over a year and all these accounts have popped up. no such contract can i find, but to report a collection for a few hundered dollars does not make sense Account name XXXX  XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$400.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$830.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$250.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$370.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name XXXX  XXXX Account number XXXX  Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$390.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$580.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$1600.00} Highest balance {$0.00} Terms 39 Months On record until XX/XX/XXXX XXXX  XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$640.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$830.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed the inaccuracies of XXXX XXXX on my credit report with TransUnion on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten 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 2022-10-22
Company: EQUIFAX, INC.
State: OK
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions., has violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Viking Client Services
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have No Knowledge of XXXX debt to XXXX XXXX XXXX XXXX I would like Viking Client Service to Validity date of this information the date of the debt the amount of the debt.to be posted to CFPB that it may be view.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Married XX/XX/XXXX XX/XX/XXXX Legally separated from XXXX XXXXXX/XX/XXXX Final divorce and property settlement from XXXX XXXXNo financial transactions of any kind (including Pentagon Federal) since year prior to final divorce.XX/XX/XXXX Started to receive notices of pass due loan payment and attempts were made to me to collect by Pentagon Federal Credit Union for loan transactions executed by XXXX XXXX.   My attempts to resolve this matter directly with PenFed telephonically and in person have been w/o success.Today I continue to produce to Pentagon Federal Credit Union final divorce papers with attached paid check to PenFed for remaining balance closeout on this account.  Several times I have provided to their local bank offices (in person) copies of divorce settlement and supporting documentaton to no avail.PenFed continues to seek collections from me referencing that my name cannot be removed from an account (with loan privileges) until XXXX XXXX (Primary account holder) makes the request.I have no recollection of signing a co-signer agreement at any time nor can PenFed cannot produce anything.I have no communications to date; nor knowledge of Mr. XXXX   whereabouts. I had no knowledge this account was still open and there is no activity conducted by me whatsoever.

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 2023-07-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
MoneyGram International has failed to release money to the intended recipient. 


Dear Sir, Title : Money Sent, Not Received REF. NO. XXXX I sent money through MoneyGram on Monday XXXX XX/XX/2023 from XXXX. When the receiver, XXXX XXXX went to the bank on XXXX XXXXXXXX, he was told there is an error 357 and transaction can not be completed at this moment. Despite constant calls for assistance, I was told the recipient XXXX XXXX in XXXX had received the money but it is not true. He did not receive any money. Please help recover the money. 


Sender 's Name and phone number : XXXX XXXX XXXX ( XXXX ) Receiver 's Name and phone number : XXXX XXXX XXXX ( XXXX ) Amount of Transfer : XXXX XXXX Ref Number : XXXX Thank you, Yours Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Complaint # 1 : Per both my wife and my letter datedXX/XX/XXXX attached I wrote to give how I observed that TransUnion and XXXX bureau when posting those things that cause score to go down are posted without delay ( i.e., hard inquiry posted same day or within days ).

Complaint # 2 : Parity is needed between posting good credit vs. negative ; per our letter attached I pointed out to bureau that I had one late payment during XX/XX/XXXX on my XXXX account and my score was drastically drop by 100+ points in a matter of 30 days or less but subsequently upon bringing it current now both XXXX and XXXX has not resulted in any corresponding score increase upward. And upon reducing my utilization debt percentage I only saw a 30 point increase in score as oppose to 100 points to return my score back in the 700 range where it originally was at before any of the negative issues ( i.e., late payment or high utilization ) surfaced. Again the attached letter provides all of the specific details not listed here. 

Complaint # 3 : Often times get a system error message when trying to file dispute on either bureau ...

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 2019-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Conversation was started XX/XX/XXXX about an apartment ad. It went back and forth and a decision was made to move forward. A lease agreement was signed and I was asked to put down a deposit ( {$1000.00} XXXX and they would not accept anything but a wire transfer. It was sent from XXXX to Bank of America to the landlords account. After that I was harasses to send money amounts and payments outside the perimeters of the lease agreement that I signed and I refused and decided to exercise my right to a refund as stated by the lease I signed. I received lots of push back and avoidance of the issue. I had even received and invoice for the deposit but they still refused to refund me. Then they proceeded to no longer answer my calls or emails. I then contacted XXXX to reverse the transfer, who then contacted Bank of America. Bank of America said they could not reverse the transaction because they could not get a hold of the account owner. This is why I believed I was scammed. I have email and text records of the conversations, a signed copy of the lease and an invoice saying that I am entitled to my money and the account number the money was sent to is on the lease.

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 2022-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
A XXXX payment was submitted to incorrect number ( XXXX digit off ). 
We tried to contact the person who belongs to that telephone number, but they would not talk to us. 
The transaction amount was {$900.00} on XX/XX/2022. 
We contacted the Bank of America to dispute twice. Both times they did not reverse the amount.

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 2021-05-20
Company: Chime Financial Inc
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received an email from Chime ( XXXX XXXX XXXX ) stating that my account was to close on the same day as the letter. Within minutes i was locked out of the banks app while trying to transfer my balances. No reason was given for the account closure. When trying to contact the bank via telephone, the automatic system recognized my phone number and instructed me to reach out through email to their support department, and disconnected the call. Upon emailing them, I received a generic generated response from a supposed 24/7 live support center. I tried using my card to make a payment, also tried using just my account and routing numbers from chime, and everything is declined. They are holding my money ( almost {$6000.00}!!! ), and none of the correspondences stated how they planned to return it to me, only that i should cancel any future deposits to avoid delays in receiving the deposited funds. I had a SECURED credit account with them, containing {$420.00} ; and a checking account containing {$5300.00} at the time they closed it. This contained monies is my rent, gas money for work, food money, and payback money to the Small Business Association for a PPP loan! Please help me! My rent is due on the first, amongst other interest-accruing accounts which will now be late, and for no reason at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed the inaccuracies of XXXX XXXX on my credit report with Experian on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is nowXX/XX/19 and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten 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 non-monetary relief
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: NY
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 just recently reviewed my credit report and saw an unknown issue. It appears to me that XXXX XXXX XXXX, a company we rented a cello for my daughter from a few years ago, has been charging me for cello rental even though the cello was returned in XX/XX/2016 and I have not once received a bill or been contacted regarding this since the cello was returned. Clearly, they sold this made up debt to a collection agency who has also never contacted me, yet it’s on my credit report as delinquent since XX/XX/2016. The response from Experian has just been a photo of the months of the year with red dots indicating that I didn’t pay. I have not been able to reach anyone there as when i call I’m on eternal hold and eventually disconnected. The cello was picked up from XXXX XXXX XXXX XXXX from the receptionist. I will attach her email confirmation with 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 non-monetary relief
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-02-27
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 & XX/XX/2018 I filed a formal complaint with XXXX XXXX that they are reporting inaccurate credit information. I demanded to see VERIFIABLE PROOF ( an original consumer contract with my signature on it ) about these accounts because according to FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by Federal Law to verify, through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT, any and all accounts that they post on a credit report. TransUnion simply responded by updating those accounts as verified and accurate and NEVER sent me the verified proof that I demanded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, 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 sent certified letters in to all 3 bureaus beginning on XX/XX/2021 requesting that they remove inaccurate information on my credit reports. My second letter is on the way as well and I have yet to hear anything back from them and it has been 37 days! This misleading and false reporting information is detrimental to my credit health and has caused me great stress which is not good for my well-being. I want these items removed from my credit reports immediately. The following accounts of my concern are 1. XXXX XXXX XXXX  XXXX ( late payments ) 2. US DEPT OF EDUCATION {$64000.00} ( student loan ) 3. XXXX ( inquiry ) 4. XXXX XXXX XXXX XXXX {$1200.00} ( charge off ) 5. XXXX XXXX {$1900.00} ( chargeoff ) 6. XXXX XXXX {$1000.00} and {$1000.00} ( collection ) 7. XXXX XXXX XXXX {$1900.00} ( collection ) 8. XXXX XXXX XXXX XXXX ( student loan ) 9. XXXX ( inquiry ) 10. XXXX ( inquiry ) 11. XXXX XXXX ( inquiry )

Company response to consumer: Closed with explanation