BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-11
Company: WESTERN UNION COMPANY, THE
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
On XX/XX/2018 a refund request along with XXXX dollar fee for each money order totaling XXXX dollars was sent certified mail to Western Union. We still have not received the refund. I have filed a complaint with western union as they are hard to understand and give us different information every time. I along with my boyfriend have called 20-30 times. I was assured for the third time these refunds would be here but the last time I spoke with them XX/XX/2018 they had an address that is not ours at all. Now we have to wait 10-15 more business days on top of the three months we have already waited. The customer service is the worst I have ever seen and if you ask to speak with a supervisor, they never answer. I need this resolved immediately! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Alliance One, Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a XXXX collection accounts that still show up on my credit as unpaid/open when they should be paid/closed as of a few months earlier this year. The collections agency is called Alliance One, based in XXXX, WA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/1932 charges i will attatch the papers from the declaration of fraud that i filled out ... i attatched also the denial letter. also made police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Cashapp username $ XXXX scammed me of XXXX dollars all I know is her bank which is XXXX  XXXX XXXX and her last 4 of her debit card which is XXXX and her XX/XX/XXXXXXXX. I also lost XXXX to a fake cashapp representative who hacked my phone and stole XXXX from my XXXX XXXX  XXXX account through the app XX/XX/XXXX. All I know is this person 's phone number and email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
To Whom It May Concern, I mailed you a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from your firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to your guidelines and I demand that you examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed items must be investigated.

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 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX is reporting that I have a collection balance with them for {$90.00} left over on an account that was closed back in XX/XX/2012. I don't remember having this account, but nonetheless I wanted it off of my credit report. So today, I called XXXX XXXX to pay it. I gave them the account number they were reporting, my name, address, ss #, etc ; and they told me that they had no record of the account. So since they do not give me an avenue to resolve this debt, I want them to take it off 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 2020-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
XXXX actions contravene the Federal Trade Commission Laws. The company has denied my dispute request for an account I have no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: FORD MOTOR CREDIT CO.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I opened a new auto loan in XXXX on a XXXX Ford. The auto loan is with Ford Credit. The account has been current. In XXXX I called Ford and told them my XXXX payment would be late. On XXXX I mailed my XXXX payment. I called Ford on XX/XX/XXXX to advise them the payment has been mailed. Ford Credit put a negative rating on my credit and my wifes. This lowered our credit score In a very negative way. I called Ford on XX/XX/XXXX and asked them to remove it or work with me. They said no and the supervisor was unable to speak with me. I left a message For the supervisor and no one has called me back. COVID legislation section 4021 consumer protection provides protection to the credit score during a national emergency which is still declared. Ford Credit was advised this and did not work with me on the loan or credit  reporting. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I contacted Transunion on XXXX XXXX, 2017 @ XXXX informing them of the fraudulent inquiries on my credit report due to a computer glitch that was Transunion problem caused my inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legally required 5 day notice prior to them being re added. I was transferred around until I spoke with a supervisor whom I explained to that my identity had been stolen and I sent them a copy of my police report months ago to no avail. The supervisor located the documents and proceeded to transfer me to the fraud dept whom he stated would help me with the removals of the fraudulent inquiries. In turn I was hung up on after being on the line for 42 minutes and did n't get to speak with anyone. All of these inquiries add a hardship and my rights were violated by Transunion. I asked that the CFPB help me stop Transunion from victimizing 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 2020-09-09
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've received a letter from Jefferson Capital about a credit card I've never had. The name on the card is wrong. They have XXXX XXXX XXXX. My name is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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:
This is my 2nd and final attempt to supply court documentation to Experian, XXXX, and XXXX regarding a recent lawsuit with XXXX ( Account XXXX XXXX  ). The lawsuit was DISMISSED due to XXXX 'S MOTION TO DISMISS FOR LACK OF DISCOVERY RESPONSE APPROVED BY THE JUDGE IN COURT. LACK OF XXXX RESPONSE ( LAW meaning ) : the ruling by a judge that all or a portion ( one or more of the causes of action ) of the plaintiff 's lawsuit is terminated ( thrown out ) - - The Plaintiff ( XXXX ) FAILED to provide evidence that the debt is owed to XXXX ( AccounXXXX XXXX XXXX  ). Therefore, the court DISMISSED the case - SEE ATTACHED SUPPORTING DOCUMENTS - Proper court documents are being provided AGAIN. I am NOT liable for this negative tradeline AND it should be permanently deleted from my credit file. I have contacted my attorney, XXXX XXXX XXXX in XXXX XXXX, TX and considering a lawsuit for willful non-compliance ( FCRA-616 ), IF this item is not removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is my second complaint about the same matter. The first was XXXX. Both complaints are/were against Macy's/Citibank. The first complaint was filed on XX/XX/2023. On XX/XX/2023 Macy 's responded in writing admitting fault in a wrritten letter. Macy 's stated that it was totally at fault, apologized, and said it would correct the erroneous negative information with the three credit bureaus. 

I then joined a credit monitoring service through my bank, XXXX. Apparently one of the credit reporting services corrected the negative late pay and charge off information and my credit score improved slightly though the late pays still showed in my XXXX  score. 

After a month of no action by the other two companies I requested new credit reports and confirmed the negative information on two of the three reports. When I call XXXX I was told that not only had they received nothing from Macy 's to correct the negative information that Macy 's had submitted negative information as recently as XX/XX/2023, ten days after their letter admitting fault. 

These actions and erroneous reporting of negative information I have attempted to correct for nearly seven years. The only positive result I have received was when I filed my first complint with this agency, however the problem persists. 

Thanks again for your help. 

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 2020-07-12
Company: Experian Information Solutions Inc.
State: OK
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:
My Name Is XXXX XXXX and I have requested and provided proof and letters for my bankruptcy to be removed off my credit report in order for me to get my score off the ground to purchase a home. It has not been removed and is hurting my credit. Please remove this item off all my credit reports,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, I was approved by XXXX XXXX for a credit card with a credit limit of XXXX dollars.On XX/XX/XXXX, the Coronavirus pandemic hits Michigan where I live.On XX/XX/XXXX XXXX closed my account first and sent me a letter citing " Inactivity '' .When I received the letter from XXXX, I called them immediately.When I called XXXX customer service to reconsider, They stated to me that the account was closed due to inactivity and I can reapply for a new account but can not reopen the closed account..After my conversation with XXXX card, I immediately filed a complaint with XXXX citing closing my account due to Coronavirus Pandemic.I have read many articles and news reports stating '' Millions of credit card users are seeing their credit cards closed or limits lowered during pandemic '' .I did have a XXXX dollar credit limit and paid my monthly payments on time.I had great credit with XXXX.On XX/XX/XXXX, I paid my account off in the amount of XXXX.On XX/XX/XXXX, I made another interest charge payment in the amount of XXXX paying the account off with no balance.XX/XX/XXXX was the last activity i had on this XXXX card account until XX/XX/XXXX closed account.XXXX responded to the CFPB complaint, XXXX stated in their response that they made there decision based on what was in my Transunion report.After reading there response and the letter i received from XXXX, XXXX is clearly lying why the closed my account.They closed my account because of the Coronavirus Pandemic and the current financial hardships people are having.I have been working this whole time because my job is currently deemed essential.I have looked up laws under the Credit Card Act of XXXX, Equal Credit Opportunity act, FCRA, Etc and there is no law for closing accounts.In the XXXX Credit Card Agreement, it does state that they can close anyones account at anytime for any reason.There is no XXXX Credit card agreement that states anything on a Pandemic or Financial crisis due to a Pandemic.Because they have closed my account, my FICO score has decreased and caused stress.I have been trying for years to have a good credit and score and closing my account due to current pandemic doesnt help me one bit.Therefore, XXXX lied and closed my account/card because of the pandemic and financial crisis and used Inactivity as a excuse to close my account.Therefore, XXXX cards CFPB response and letter dont add up.Therefore, My FICO score has dropped causing stress and lower credit scores that will affect my credit worthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was recently turned " Down '' for a car loan because of some unknown " $ XXXX DEBT '' that was NOT mine placed onto my " TransUnion '' credit report. 
I have been trying to get my " FREE '' annual " TransUnion '' credit report with no luck.

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 2023-02-22
Company: EQUIFAX, 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:
I appreciate you taking the effort to CORRECT some of the data in my credit report, but I checked my credit report and found that some of the data were stillincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX A+ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
While cashing a PNC BANK CHECK at PNC Bank for a medical insurance reembersement I was charged a check cashing fee. This is essentially a fee with no service provided to the bank customer who issued the check and a fee extorted from me to get the check cashed or black mailing me into getting an account for the privilege of not paying a fee to get my own money. It is a pure money making scam with no service provide to the bank customer who issued the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}, {$6800.00}, {$3.00}, {$4100.00}, {$8200.00}, {$210.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

2. XXXX XXXX  DELAWARE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$210.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today XX/XX/2018 I tried submitting a dispute online with XXXX. I answered all the security questions and put in the information they were asking for after all that an error message came up that I am unable to submit a dispute. I am submitting this complaint because there are a few accounts on my XXXX   credit report that do not have the correct balances. My XXXX XXXX card is reporting more of a balance owed than what I actually do owe. Also my XXXX  XXXX accounts my balances have decreased by {$300.00} they are reporting with higher balances. I attempted to correct this but unable to get online to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}, {$6800.00}, {$3.00}, {$4100.00}, {$8200.00}, {$210.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

2. XXXX XXXX  DELAWARE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX, XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$210.00} -This is not my account.

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