BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-23
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
My wifes family is in XXXX. We send small amounts of money ( {$100.00} to {$500.00} ) sometimes and just recently when sending {$510.00} to one of the nieces the transaction was declined. I was on vacation in the XXXX and needed to send that person who was living locally in the XXXX. I personally know and have met that person many times and is an honest person. The XXXX agent instructed me to call, a fraud specialist. That person decided that the transaction was somehow fraudulent and that I was probably being pressured into originating the transfer. UNTRUE. That was XXXX XX/XX/2021. I've spoken with Western union 3 times since than and the best I can get is that MY bank ( XXXX XXXX XXXX ) declined to send the money. THATS A LIE. Today, I tried to send {$200.00} ( XXXX ) and a flashing red banner appeared at the top of the Western union web Site " oops something went wrong '' and the transaction can not be completed. Now, I've been marked by Western Union and I am not able to even use their site. I believe this is a case of an OVERZEALOUS FRAUD DEPARTMENT and Western Union is inventing problems so somebody will have a job. Their customer service is in the XXXX. Every time I called XXXX I got the " You cant be too careful, refering to Identity Theft and Fraud maters in the XXXX. I was continually lectured about the fraud problems in the XXXX. I answered ALL their security questions which made no difference. 

These are people I know and Have successfully sent the same individuals money for the past 8 years. Why now and what changed. Just want a straight answer and be allowed to use their service again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Accountant Exchange Group
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received flyer in mail I called about loan. The person told me they couldn't large but could do small loans which ended up being something like payday loan. when paying amount back I only paid interest and the person claims I owe them more than that so I refuse to pay back anything I didn't receive now the person is harassing my job that I listed on application.They are calling my manager and telling them they are responsible for my bill.

My manager stated this is how the phone went : The guy asked for XXXX and I told him that she wasn't working. He then proceeded to ask me ( XXXX ) if I was in human resources for XXXX  XXXX. I said no. He then asked if I authorized this ... I wasn't sure what he was talking about. So I told him that I didnt know what he was talking about. He also asked why my name was on it, authoriting it. I told him that I didnt know, but my name needed to be taken off. He then said that this wasn't going to go away ... insinuating that someone was going to have to pay. After that he asked for a manager, so I sent him to our store manager who got tired of arguing with him so he hung up on him. He called back the next day ( sunday ) and asked for XXXX. I said that she wasn't there and hung up on him.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2021-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
To whom it may concern, My name is XXXX XXXX reside in the XXXX XXXX  Florida. I had open credit card with bank of america and was pain the credit card with good standing until i was let go from my employment in XXXX and i was still paying with good standing until XXXX and then the pendemic hit here in Florida and i missed to month of payment. I then called bank of america to withdrawal the money from my checking account to later get a letter from a collection company. I can't recall the collections company 's name but that's who i was making payment 's to. Bank of america closed the account on, XXXX, XXXX XXXX.I was in the impression that my payments where being withdrawal by bank of america but it was not so. Then I receive a letter from this company that calls them self XXXX XXXX  XXXX that they are an attorney at law firm representing bank of america. On XXXX, XXXX XXXX some papers where left for me regarding a lawsuit by cooling and winter for the amount of XXXX plus court feeds which totals to XXXX dollars that i can't afford to pay with everything that is going on today. I had a hearing today with the court and try to settle with the so-co attorney but he would not want to settle for the amount of {$3000.00} dollars which is more then what they pay for the account when they purchased. I now have a trial date for XXXX, XXXX XXXX and can't afford to pay for an attorney. This is really disturbing that am being sued by a company that i don't even know and the state is allowing it. Can someone please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 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 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 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 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 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 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 2018-11-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
I received a {$500.00} AMEX Gift Card from my company back in XXXX. It remained unopened in the AMEX gift card envelope until I tried to use it in person on XX/XX/XXXX and it was declined. 

I called AMEX Gift Card XXXX, XXXX on XX/XX/XXXX, spoke to a representative and found out that it was used on XX/XX/XXXX for {$490.00} via XXXX purchase. 

I called XXXX at XXXX and spoke to a representative who introduced herself as XXXX at XXXX XX/XX/XXXX. 

I explained that there was an unauthorized purchase made and I would like to have more information on it. 

She asked me that in order to proceed further I needed to get Charge ID # and description of purchase, and then call back to XXXX at the Charge Inquiry Dept to obtain more detailed information. 

I called the AMEX Gift Card line again and obtained the Charge ID #, but they did not have the description of the purchase. 

I called back XXXX XXXX at XXXX XX/XX/XXXX and spoke to XXXX , and again explained the unknown purchase using my Gift Card and gave the Charge ID #. 

XXXX then transferred me to another representative. When I inquired why she told me that " [ they ] can better assist you using the gift card number ''. 

At XXXX XXXX, I was transferred to an XXXX representative, XXXX, where I explained again the unknown purchase with the Charge ID #. She then said XXXX is unable to do anything about it nor give further information. She then offered to me that for further help, I can be transferred over to her Manager to which I agreed. 

I was then transferred to XXXX at XXXX, Leadership Dept. Supervisor who said " XXXX does not have any responsibility of how or where balance for purchasing goods comes from '', regardless of whether the balance for purchase was unauthorized or not. 

XXXX then told me to dispute the charge through the bank institution and relentlessly explained XXXX is not responsible about the purchase nor fraudulent card usage. She then hung up the phone on me at XXXX, XX/XX/XXXX. 

I called back to American Express Gift Card XXXX, at XXXX XXXX, XX/XX/XXXX answered by representative XXXX, and explained that according XXXX, American Express can help or dispute the charge. 

Unfortunately, he explained to me that gift cards are " treated the same way as cash so Amex can not nor will not dispute the charge ''. They can only make an internal reference note regarding this matter if I give my name, phone #, and address which I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card 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 am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureaus are reporting inaccurate information on MIDLAND FUND ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: Self Financial Inc.
State: FL
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 fair credit reporting act SELF Account number : XXXX has violated my rights. 

15 USC 1681Section 602 states I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166BB : CREDITOR MAY NOT TREAT AN PAYMENT ON. A CREDIT CARD ACOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 US CODE 168 1A : STATES INFORMATION SOLEY AS TRANSACTIONS BETWEEN CONSUMER AND PERSON ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Mr. Cooper Group 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: Account status incorrect

Complaint:
During COVID lock down we took advantage of Mr Cooper Mortgage forebarance program to delay payments for 9 months. They told us no late payments would be reported to the credit company during this time. Also during this time they sold our mortgage loan to XXXX XXXX. We need tried to refinance our home but discovered Mr Cooper did report us as having late payments during the forebarence period. This has hurt our credit and prevented us from re-financing until we can get Mr Cooper to correct this mistake. We called Mr Cooper twice to advise them of the error and they told us they would. However months later and nothing has changed. The loan was on our at XXXX XXXX XXXX XXXX SC XXXX loan # ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX XXXXXXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, StateAttorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission ).

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 2023-07-17
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Account number : XXXX - XX/XX/2019 According to

15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this

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 2021-11-23
Company: Experian Information Solutions Inc.
State: LA
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:
I disputed some accounts with Experian about student loans. They are reporting that there are late payments on my students loans this year in XXXX, XXXX, and XXXX. However, my student loans are in deferment under the federal cares act. I have written to their company several times, including a certified letter but this issue was still unresolved.

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 2019-09-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted both XXXX and Equifax about an account on my credit report. XXXX XXXX XXXX is reporting a business bank account as an unsecured loan on my credit report. I never signed a promissory note for a loan and XXXX XXXX XXXX doesn't have any such documents to prove a loan. I sent documents to both XXXX   and Equifax to prove that it's a business checking bank account which was opened under a EIN and the account was under a business name and not my personal name. Both CRA are stating that they received information from the creditor of a loan and have copies of a promissory note which they refuse to send to me because it just doesn't exist. Both CRA acknowledge that it is a business checking account but still refuse to remove the account from my personal credit report because they are being paid by XXXX XXXXXXXX XXXX to report incorrectly. 

Also, XXXX is reporting an incorrect address on my credit report of XXXX XXXX, XXXX CO that they refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Delta Management Associates, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account and is a result of identity theft. I have tried to resolve this unknown debt with the previous creditor - XXXX And sent 3 notice letters requesting the validity of this debt and never responded. They refuse to respond to my request in writing and " in writing '' is the only way i want to be contacted. They are fraudulently collecting a debt that is not mine/never authorized. And refuses to show proof of validity this debt is mine! I demand that all correspondence regarding this debt is sent to me in writing.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX  is incorrectly reporting to credit reporting agencies. I want XXXX XXXX to remove all accounts from my credit. I have warned this company before about the incorrect information reporting and it has not been removed and damaged my credit severely. I have been depressed about this and my health has declined due to the stress.

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