BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-15
Company: Personal Finance Center
State: GU
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
XXXX complaint already filed. I XXXX XXXX and my Wife had loan under my Wife 's name XXXX XXXX. I discovered that I and my Wife unable to loan because of our identity theft filed at Personal Finance Center, This company affects all our major credit report at the 3 credit Berue. XXXX XXXX XXXX. as Well as other financial Institution. I already filed complaint at the XXXX XXXX XXXX XXXX and I believe they settled this case outside court as Well as the credit Berue. so sent to Administrative of the XXXX XXXX XXXX XXXX XXXX, XXXX Washington DC XXXX you can send more detail to the Court or the FTC for identity theft. I also have problem With XXXX XXXX, he is a employee at CFPB for helping people changed my name to other person 's name With other Financial Institution such XXXX XXXX XXXX  In XXXX XXXX XXXX. I have discovered 2 of the person are employees at the XXXX Protection AG office her on XXXX. and I discovered XXXX XXXX transfer my money in to her name. and XXXX XXXX XXXX both used faked name here on CFPB.

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 2019-02-15
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: Account status incorrect

Complaint:
EQUIFAX HAS REPEATEDLY IGNORED MY DISPUTE IN REGARDS TO A LATE ON MY XXXX XXXX ACCOUNT-XXXX THIS ACCOUNT HAS NEVER BEEN DELINQUENT OR PAID LATE. IN THE YEAR 2011. AND EQUIFAX IGNORES THE GUIDELINES PUT IN PLACE BY THE FCRA ... AND I DISPUTE THESE LATE CHARGES THAT ARE REPORTING ON MY EQUIFAX CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Professional Placement Services has committed identity theft using my information provided to them from XXXX XXXX XXXX. I have never been to a hospital in Wisconsin nor have I ever executed any paperwork using my information for XXXX to disclose in the state of Wisconsin where the claim originates. I live in Illinois. They have only been provided my name, birth date and social security number. NO address, phone number etc. 

They have now told me two times that they have removed the credit reporting of this collection which is false. They have REPOSTED IT THREE TIMES!! AN IDENTITY THEFT LAWSUIT WILL BE FILED AND ARRESTS WILL BE MADE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are items on my credit report that are violations of the FCRA that I request to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent, Identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I share the same name as my father, and he's been using my information. How and why is an excellent question and has yet to be found.

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 2017-10-28
Company: Ingo Money, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX th I used my card to deposit my birthday check threw taking pictures of it threw Ingo money must be there 3 rd party person who does the checks on XXXX XXXX XXXX I called to see if they could cash the check faster I didnt realize it took so long to cash and I needed the money when they couldnt get it to go faster I asked for the check to be canceled so I could go cash it! I went and cashed not thinking anything because I canceled it already on the XXXX XXXX of XXXX I got my daily amount text with an amount on there I thought it was chil support payment so I took the cash out and paid a little on 2 bills long story short it wasnt child support payment at all they went and cashed the check even though I had already cashed it I called them to figure out what happen and I get hung up on or the rudest people ever speak to me I cant get to a supervisor because I get hung up on this is getting no where and it needs to be cleared up ASAP I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
information is not correct. the balance had been considered as paid due to the fact that I was not enrolled. I withdrew in the allotted timeframe. no money was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have attempted for over a year to get XXXX XXXX XXXX XXXX to correct the reporting error on all three credit reporting agencies. My wife suffered a sudden XXXX XXXX on XX/XX/XXXX, and created a financial burden on us as we are on Social Security, or fixed income. Now she has XXXX XXXX XXXX and needs to be admitted to a XXXX XXXX XXXX and the negative reporting severely hurts my credit score needed for admittance to the XXXX XXXX. I am desperate for help. At the time of my wife 's XXXX XXXX my son spoke with our local XXXX XXXX XXXX who granted an extension for XX/XX/XXXX, provided I pay an additional {$100.00}, per month for 9 months, which I did. I was courtesy called and reminded me and that I was on schedule. I am obsessed with paying my bills on time. An agent I spoke with months ago agreed and said they would notify the Credit Reporting agencies to remove negative late payments. The only one that deleted their negative was XXXX. Transunion and XXXX will not remove theirs based on XXXX XXXX correct information. I have called numerous times and written XXXX XXXX XXXX several times and was rudely spoke down too. They claim it is up to Credit Reporting agencies to correct and remove negatives. Our local XXXX XXXX XXXX manager tried to help but she said that the Mortgage Division would not remove even her request. I have a perfect payment payment record with them. I do not deserve the type of harassment that XXXX XXXX XXXX has leveled on me, especially with the condition my wife is in and us being elderly. The periods are XX/XX/XXXX thru XX/XX/XXXX. Your help will be appreciated.

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 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have disputed the accuracy in reporting a closed account reported XXXX XXXX XXXX agency on two occasions. There is an account with Macys account # XXXX that is closed and shows last payment on XXXX XXXX XXXX. Transunion says the account will stay on the report until XXXX XXXX which would be over 10 years from first delinquency. According to the FCRA the reporting period is determined from date of first delinquency as relates to negative information reported. I have confirmed with Transunion that accounts that negatively affect my credit report are reported for 7 years from the date of first delinquency. I requested Transunion delete this information and only got a response that the account was verified which does not resolve the purpose of my dispute. 
I am concerned as negative credit has huge consequences and it seems that Transunion does not even take the time to seriously investigate legitimate consumer concerns.

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 2017-10-28
Company: DISCOVER BANK
State: DC
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 opened a secured credit card with Discover Card 2 years ago with a {$2500.00} security deposit. When I was signing up, Discover Card staff explicitly promised me to return my security deposit after a 7 month good monthly payment history. After 7 months, I contacted Discover Card and was informed that though I had a good payment history their 'system ' blindly determines when I get my security deposit refunded. This was news to me ... if I knew this I would not have chosen Discover Card because I needed the security deposit paid within the 7 month agreement. I have since called Discover Card on the 9, 12 and 16 month points. Discover Card simply will not return my security deposit payment. 

Its now been 2 years, I have an excellent payment history with Discover Card, kept my purchase balance low and my credit score has even risen over the last 2 years. I want Discover Card to reimburse my secuity deposit as advertised and promised to me when I invested in a secured Discover Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: MS
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 submitted a complaint with cfpb on XXXX ; complaint ID number XXXX. 

It is against XXXX XXXX  XXXX. This case was closed in my favor and XXXX stated it will be removed from all credit tradelines. Today XXXX I received notification that XXXX XXXX XXXX reported me for collection on my Experian report. 

I would like this removed immediately!

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 2017-07-31
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I was struggling to repay my loans from XX/XX/XXXX - XX/XX/XXXX, XXXX XXXX/ Navient representatives repeatedly suggested and applied forbearances to bring my account current or postpone payments without offering income-based-repayment options that could have saved me more money and helped me pay off my loans sooner. Those forbearances benefited XXXX XXXX/ Navient monetarily by increasing my loan amounts drastically. I should have been offered income-based-repayment options instead of continuous forbearances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I'm having problems getting 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 2020-04-26
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On or about XX/XX/2020 I was issued a refund by the Western Union and provided an MTCN # to collect my {$110.00}. I was told to cash this money at any of location served by the Western Union agents like XXXX, XXXX XXXX, XXXX XXXX, XXXX and other locations based on my zip code in XXXX XXXX, Maryland. Since XX/XX/XXXX, I have been to at least 5 different Western Union agents at various time and days, and all of these agents are not willing to refund or cash out my MTCN. These all locations are willing to send/collect the money, but are not cashing the recipients. I have contacted Western Union over the telephone, over their chat helpline, at least three times. Each time they are giving me a different location and would ask me to try that location. This is been going on for almost a month now. 
While Western Union agents are willing to collect cash and send money, they are not cashing out money to the recipients for last 1 month. I have also ask the Western Union agent to find the Western Union location by phone where I can go to pick up my funds, but they are keep telling me that " keep trying different locations and agents '' for last 1 month. 

It appears this is a coordinated fraud that while Western Union is collecting money from the people, but not cashing out the recipients of the funds. I have been to below 5 locations in XXXX XXXX, Maryland but no one is willing to cash out my funds. 

XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX #   XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was going over all 3 of my credit reports and I noticed that there was a few errors and inaccurate accounts listed on my report. Under the XXXX XXXX XXXX XXXX Transactions act I should have been notified of the changes to my report and giving a proper update.I seen accounts I have never seen or done business with these company. I would like a full investigation into these matters : XXXX. XXXX XXXX BANK # XXXX This account is beyond the status of limits please delete.This account was re-aged it has been closed since XXXX! 
XXXX XXXX XXXX XXXX This account is under a class action lawsuit for Fraud it is a error please delete. The company no longer is in business and this account is inaccurate. 
XXXX. XXXX XXXX STUDENT # XXXX This account was already paid in full never late listed as collection paid in full. Error please delete. 
XXXX. XXXX XXXX XXXX # XXXX Act Violation. This account was paid toward the original creditor Dr. Office. There is no need for XXXX XXXX to have access to my personal FEDERALLY PROTECTED PRIVATE MEDICAL RECORDS. I NEVER GIVE THEM PERMISSION TO ACCESS IT. 
XXXX XXXX # XXXX I have never done business with this company I do not recognize this company. please delete.

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 2021-05-12
Company: BBVA FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was a Simple Bank user. BBVA USA acquired Simple and closed it this past weekend. My account was supposed to seamlessly transition to BBVA but their mobile app crashed in the process and I have been unable to access my account for 5 days now. Communication with BBVA has been sparse and there is no hint of a solution for this. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
We were gifted a Vanilla Gift card for {$500.00} purchased at XXXX. The first time we used it, it had just XXXX cents on the card.

We have talked to the Manager and corporate at XXXX without any results. 
We have filed a case with Vanilla card and they came back after about 2 months saying case is closed. 
RE : Vanilla Product Ticket XXXX Dear Cardholder, This letter is to inform you that we have completed our investigation regarding the referenced ticket above.

After reviewing your account, we have verified that your card was present during the time of the purchase ( s ). Under the Network Regulations, we do not have recovery rights to file a claim.

Your dispute is no longer under review. With the denial of this dispute, we consider this matter closed.

If you have any questions, please contact the Resolution Team at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has been calling me non stop for the past few weeks. Yesterday, XXXX XXXX they called me 15Times beginning at XXXX ... .the times were as follows XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ... to which I told them to STOP harassing me and the gentleman told me I owed the debt therefore was not considered harassment, XXXX, to which I again said STOP and hung up. Mind you this was just yesterday. The day before they called me multiple times as well. Again beginning shortly after XXXX. Tuesday XX/XX/XXXX the called at : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, for a total of 14 Times. I am clearly on their auto dialer. I am dealing with a very sick husband and a son in critical condition at the hospital. I have told them this. I dont have the time, money or energy to deal with the unfair collection practices when I am trying to work full time and deal with family medical problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
Company: CITIZENS FINANCIAL GROUP, 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: Account information incorrect

Complaint:
Citizens Bank recently XXXX XX/XX/XXXX XXXX reported a charge-off to my XXXX and XXXX credit reports. I dispute ownership of this account. I disputed with XXXX  and it was removed the next day. XXXX refuses to remove it despite me pointing out that it's a duplicate of a charge-off that is reported already on my account. I also dispute ownership of that account. The same account is being reported as two separate charge-offs. 

I disputed a second time with XXXX because Citizens Bank is re-aging this account so that it will appear on my credit longer. The duplicate account shows date of last payment as XX/XX/XXXX, but Citizens Bank is reporting it as XX/XX/XXXX. XXXX will not correct this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
After numerous attempts to correct the incorrect reporting of an inaccurate account, this has damaged my credit and is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Experian Information Solutions 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:
I have personally been affected by several data breaches. I have found serval fraudulent accounts on my report and I am requesting the are removed immediately.

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 2021-03-26
Company: ID Analytics, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a request to Sagestream for a security freeze on my Sagestream report.

Sagestream ignored my security freeze request and I have attempted to contact them and still no credit freeze has taken place.The FCRA provides me the right for Sagestream to freeze my Sagestream report. I would like the assistance of the CFPB to help me freeze my report with Sagestream.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I enrolled in XXXX XXXX XXXX XXXX XXXX they waited until XXXX XXXX XXXX citi bank sued me to do anything then when i tried to take matter to court they would notlet the matter be heard in court but went to mediation and this allowed them to put the interest and charges on the court procedings now XXXX XXXX XXXX XXXX sent papers and said i needed to contact the court so i did now i have recieved notice that the court entered judge ment without acknowledging this individual at all

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