BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-02-20
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no knowledge of this debt, and have not been sent any information on it, I just received a {$1300.00} collection on my credit with no bill statement or further information.

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 2017-07-06
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX is refusing to give me credit for work complete in XXXX  XXXX with the XXXX XXXX XXXX. I have completed the paperwork to certify my work to include the information of my employer EIF number, website, address. etc. My past employer will not fill out the documentation as I no longer work for the XXXX XXXX XXXX after 12 years of service with them. XXXX XXXX is requiring that the XXXX XXXX XXXX sign my paperwork. I am unable to do this and I check the box stating I was unable to do this on the application. XXXX XXXX XXXX   responding in a letter that I had to have them sign it. they are unwilling to take anything showing proof that I work for that XXXX XXXX XXXX and will respond with get a signature. I am no longer employed their and can not walk into my old HR as it was a XXXX I worked at and access must be approved of which I can no longer get. XXXX XXXX is taken advantage of me and probably others in the same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I sent {$550.00} to my sons 's fiance on X/XX/2017. The charge for this transfer was {$49.00}. I then had to cancel the transfer because her ID was expired and the local Money Gram rep would not allow the transfer. Money Gram no longer has the option to have someone answer a test question when ID is not available. I cancelled the transaction and detailed the purpose on their questionnaire was that I wanted to send the money to a different person. At no point during this time did any message or red flag come up on the screen to state their policy that it takes 3-10 business days to refund the money that has already been taken out of your bank account ( XXXX XXXX ). It was not until I began the XXXX  transaction that Money Gram was asking me for my debit card again. Since they had my money, and it was not automatically put back into my account, I called the Money Gram number and was told of the 3-10 business day delay. I elevated my concern to the next level and that agent said that they could not change the name that I was sending to and that I had to just wait for the 3-10 days until it went back through the banking system. She told me that Money Gram triggers this transaction quickly to refund but it is the bank that can take up to 3-10 business days until they get the money back to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Trans Union reported my Credit Score to a potential lender as XXXX. 
I went on line at TU, purchased my score and it was XXXX. 

How can a credit agency tell me my score is one number and tell a potential lender it almost 50 points less. That is some form of consumer deception, is it not????

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 2017-07-06
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On, XX/XX/XXXX, I received a letter from U.S. Bank stating I had an outstanding balance for a secured XXXX line of XXXX in the amount of {$150.00}, of which {$30.00} was past due. This secured XXXX account was closed three months ago per my recorded conversation with the bank. The bank proceeded to tell me that there was an {$800.00} credit on my account and that the check is being sent in the mail, and that the account was clear to be closed. I called U.S. Bank onXX/XX/XXXX, and asked the employee to explain what the charges were for and how were they accumulated. <P/>The employee stated that there were several miscellaneous XXXX XXXX charges, and for each one charge they had added an additional late fee and there is a current outstanding balance. <P/>Then I thought things are not adding up here. I closed this account three months ago, I get this letter in the mail, ask this employee to explain why a closed account of more than ninety days is showing a unpaid balance on an account that had a {$800.00} credit..She does n't know ... Their superior was unavailable due to high call volume ... I asked her why was n't the outstanding balance deducted from the credit? She could not provide an answer. <P/>This account is somehow accruing late fees which thus implies that the account was never closed on U.S. Banks end ... ..This drew me to my final conclusion that U.S. Bank is engaging in several deceptive trade practices. First by breaching it 's contractual duty to close my account, intending to defraud me by cooking up fictitious fees, and trying to ruin my chances of obtaining further credit with other lenders by holding my account hostage.

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 2017-09-29
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I closed on the house I currently reside in with assistance by US Bank and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. I was not informed that property taxes would not be included in the mortgage payment. I was notified by the State of AZ county assessor office of taxes owed on the house in XXXX XXXX. I believe this was unjust and now I am having difficulties paying the property taxes every year. If I had been informed that property taxed would not be included, I would have processed the purchasing the house a little more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-26
Company: Bonneville Billing and Collections
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The three ( 3 ) major Credit Reporting Companies claimed that the reason ( s ) why my Credit Score was low is " due to the length of times that open accounts have been active and the number of times lenders accessed your Credit report because you applied for Credit or for a Loan ''. This can not be correct or the complete reason for the low Credit Score. I have had open accounts for more than 24 months without ever making a late payment without just cause and regarding the amount of Credit Inquiries once I share my Social Security Number with a company I have no control over the amount of times they request my Credit History information for whatever reason ( s ) or who they share the Social Security Number with. The Credit Score should be based on the number of accounts, the way the accounts are being managed and the feedback that 's offered by the grantors.

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 2017-09-30
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I requested debt validation via a contract from Eastern Account Systems and it is clear that they could not properly validate the debt outside of what they consider statements. Which is NOT what I requested. Because they could not provide the requested contract they stated that they would remove their trade line from my account and cease all collection activities however it is now XXXX and their trade line remains on my credit report. Which is negatively impacting my credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am attempting to connect to my account through a third party app ( similar to XXXX ), but keep getting a message that XXXX is blocking me from enabling external applications. I called customer service and was told that they do not block any apps.

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 2022-04-26
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collecting debt from me of XXXX which has been paid XX/XX/2022. I went to XXXX XXXX XXXX XXXX  last XX/XX/2022 to tell them about this and told me they will email the debt collection agency to remove it but again i received a email about this debt collection again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: EQUIFAX, INC.
State: AR
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 pulled my credit myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX AR XXXX {$320.00} XXXX XXXX XXXX {$41.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: CL Holdings LLC
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: Investigation took more than 30 days

Complaint:
I HAVE FILED DISPUTE IN REGARD TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the fair credit reporting act Experian, XXXX, XXXX has violated federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2021-03-08
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called Citi Bank to close my XXXX XXXX credit card because I am unwilling to pay a $ 99 yearly fee for the card. I called XXXX on XX/XX/2021 at XXXX XXXX. I was told that the fee could not be refunded. I asked to speak to a supervisor who was very rude and refused the request. He insisted that he would not refund the {$99.00}. I asked to speak to his manager and he kept insisting that I am speaking to a manager. I said that you are not helping me and I want to take it to the next level. He continued to refuse the request. I then asked if Citi has an Escalated/Executive client relations area to call when customers are not satisfied. He said no such area exists. I repeatedly said that I find it impossible to believe a bank of the size does not have a client relations area. He curtly said no we did not I said that this would not be the last he would hear of this and I hung up. The manager 's name was XXXX and his operator number was XXXX. 

I would also like the daily phone calls form Citi to stop trying to collect the {$99.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-30
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX ( 2017 ) I have been trying to get accounts removed from my credit report since XXXX of 2017. I have more than 27 accounts that have been placed in a derogatory state. I have been working with all 3 credit bureaus to get these accounts removed. I have been getting push back. Instead of the CB removing the accounts because they are more than seven years old, they changed the status of the accounts to paid as agreed. I need to have these accounts removed due to the fact that I have suffered enough in having poor credit. I 'm trying to ensure that my credit gets repaired but how can I with inaccurate information on my credit report. I have been dealing with this since XXXX of 2017 and now it 's almost XXXX. This ordeal needs to be resolved before the end of this year or sooner. I have XXXX and this is making my symptoms worst. I NEED 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 2022-04-26
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Venmo I received an email from Venmo indicating I could review my quarterly account. I tried to login the site wouldnt accept my password. I change my password the site would still not let me login. This happened twice. I called and spoke with support. They kept asking for more and more personal information from me. They asked me to send them a valid ID. I refused and asked them to close my account. They refused. I asked them for a complete list of verifying information they would need and they wouldnt give it to me. I was afraid this was an information/data collection scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I 've contacted Equifax & XXXX on several occasions regarding a bankruptcy that appears on my credit file that is not mine. I have literally called them hundreds of times, also spoken with supervisor after supervisor. I 'm not getting anywhere with this company. They continue to report an inaccurate bankruptcy XXXX, even after the new law in XXXX 2017 came into effect. This should not be on my credit report at all. I 've also explained to them that somewhere there was an error in reporting. XXXX has already deleted the bankruptcy as they verified that it in fact, DID NOT BELONG TO ME! I 've wrote Equifax & XXXX asking them to remove this unverified information from my credit report and follow suit. Still they refuse and state it 's been verified? Who verified this bankruptcy? What method was used to verify this bankruptcy? I 've contacted XXXX XXXX and I 've given them my social security number, they stated they do n't have any inquiries from Equifax or XXXX even checking to see if this information is correct. I 've also contacted the US Bankruptcy court, and they 've also told me they have no information associated with my name and ssn. Please make XXXX and Equifax stop victimizing me by taking advantage of their consumers with their higher power. This is creating a hardship for me, as well as defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
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:
XXXX and Transunion are reporting incorrectly ( 120 ) days late on the DPT ED/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.

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: WorldRemit Corp.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This is an old issue. I made an international transaction of {$1000.00} on XX/XX/22 with Worldremit. I also made another one with them on XX/XX/22 of another {$1000.00} to the same person. I spoke with this company about what really happened. Their responses were very unsatisfying that's why I sought to contact CPBF. I figured out that they actually didn't want to refund me so different responses were to put me off and forget about my inquiries. They kept telling me, we've closed your case but I insisted by calling and asking to get my money back. This case is supposed to be over but they made things too difficult plus confusing everything since I started claiming my refund. I didn't want to make them look bad but they caused this lengthy time to happen. Please help me get my other {$1000.00} back from this people since they refunded me half. Thank you

Company response to consumer: Closed with non-monetary relief