BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The three bureaus are in the wrong for deleting fraudulent information off my report and then put it back on there. That is not right. Items were deleted back in XXXX and resubmitted in XXXX. Pursuant to FCRA 605B they have 4 days to block fraudulent items from my report. I was in the middle of starting the process of buying a home and now I have to wait because they put fraudulent information back on my credit report. I have tried calling to get answers and I am getting no where with that. I need these items items deleted immediately. Please help me solve this problem.

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 2023-09-07
Company: Zip Co US Inc.
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I purchased a product through an online merchant and used ZIP for a 4-month installment payment plan. The merchant did not have the product I purchased, so the merchant canceled the product, and ZIP refunded my initial payment. Unfortunately, the merchant placed my order a second time without my authorization after the initial cancelation and ZIP immediately charged me again. The merchant canceled the second order a week later and indicated it was their mistake. However, ZIP continued to take payments out even though the merchant canceled the erroneous second order and I never received any goods from the merchant. The second cancelation occurred on XX/XX/2023, and as of the date of this complaint, ZIP has refused to refund my payments and actually debited a third payment to my credit card this past weekend. I have called ZIP multiple times, as well as communicated with them both through email and text. ZIP keeps claiming they are escalating the issues and investigating the cancelation with the merchant even thought I have sent them proof of the cancelation. ZIP has three ( 3 ) charges totaling over {$1300.00} on my credit card that I need to be refunded and they continue to give me excuses and delay any refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these names and addresses have been used, which could have been due a data breach. 

My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX, GA XXXX Any other addresses must be deleted. I have not lived at any other address listed on my credit reports. 

There should be NO OTHER alias names or mispelling of my names. 

There should be NO employment. 

I have provided 1-Valid social security card and 1 Current address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: WESTERN UNION COMPANY, THE
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX/My WU XXXX First of all, I have been transferring funds to my international love ones for over a year! I have transferred {$50.00} - {$900.00} to my fiance, XXXX XXXX and famliy as donations through my nonprofit organization, XXXX XXXX XXXX XXXX XXXX and it bring joy to my heart to support my family who lives in property. 

On Thursday, XX/XX/2019 I was very disappointed with the service I received from Western Union! I attempted to transfer only {$40.00} in which Western Union receives {$4.00} and more times for my business with them and I was told today that my transfer was declined for Fraud Protection! The representative explained the reason because I have not seen them in person! I spoke with a supervisor too and explained to him I that I have been supporting them over a year and he can review my transfer history but he would not honor my request! I couldn't believe this! Western Union can tell me how yo spend my hard earned money! I have the right to spend my money anywhere with anybody! 

Yes, Western Union should call me if they suspect a fraud but they should allow me to agree if it's a fraud. What if this was an emergency? 

This poor customer service! 

XXXX XXXX ( XXXX ) XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

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 2022-01-18
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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, XXXX XXXX sections XXXX, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance Owed : {$18000.00}.

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 explanation
Consumer complaint received 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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  and account # XXXX  also with XXXX XXXX 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 an account without my written instructions. 

again XXXX XXXX XXXX Account # XXXX  And Account # 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 2018-11-05
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Respected Ladies/Gentlemen of CFPB, I sent {$1000.00} via Western Union to XXXX ( XXXX XXXX ) from XXXX on XX/XX/2018. 
Recipient was XXXX XXXX XXXX, who had done work for me during an electrification project. 
The recipient did not pick up the money, as Western Union XXXX had given it to somebody else. I will be happy to provide you Western Union 's receipt of transfer and the recipient 's passport. 
I lodged a complaint with Western Union and they have done nothing. My party in XXXX is sick & needs the money for hospitalization. 
Thanks you Very Much. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern my husband and I try to get a loan modification with our bank back in XXXX of 2019 due to a loss of income and a job injury we submit paperwork to get the process started in XXXX of 2019 they kept coming back to us that they needed more information so we submitted what they asks for that went on for months know they telling us we dont qualify for a never loan modification due to we had three already we was definitely not informed of that we thought a modification program was a program of you needed help do to a situation Beyond your control. Why was we not informed of this back in XXXX are early XXXX why did they wait so long to where our payments are way behind now now they threatening foreclosure Proceedings on us that will make my family and I homeless because we have no where to go our situation has gotten better we have since decrease our monthly expenses is we just have our monthly payments back and the money we owe to the back are they can give us a payment plan over time to pay back what we owe please help my family thank you

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 2018-01-16
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke to the Company And was told that if I pay the Debt Off. I would receive a letter saying amount was paid in full and it would also say it would be removed from my Credit. I Was told by three different people it would be said on there. They also told me we were being recorded just to reassure me that it would say it will be removed. And I went and did a Bank wire to them so they would receive it next day. So I can receive that Letter. And when I received the Letter it did not say that. And I called them and asked what happened to the letter they said I would get. They said the letter is already generated. They ca n't make any changes to it. So I asked to speak to a Manager. So they passed me to another manager that told me the same thing. I asked to speak to someone above them or the Woman who 's name was on the letter. They Said She do n't speak to people. Only they can. I tried to be patient with them and asked all I need is the letter they promised me. And that 's All I Need. I paid what I needed to pay and Know I need them to keep there end of the bargain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$290.00}

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 explanation
Consumer complaint received 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-12-09
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello Consumer Financial Protection Bureau. I am writing to you for this account My name is Ms XXXX XXXX. Radius Global Solutions. Have written to me several times this year alone. XXXX. Has not been a good year for these people. And they continue to try and collect bogus funds. This is sincerely wronged amounts. {$220.00}. Previous it was only {$150.00}. This is expected to go on my credit report XX/XX/XXXX. I want to prevent this from happening. I have no previous contact. Only one or two old telephone bills. But. Unfortunate. They are not the same amount. These are much higher than the last bill. This company is collecting over and aboved the amounts.. Please look into for me theses people are just wrong. Global Solution. 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 2020-01-05
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: Personal information incorrect

Complaint:
Please update/remove the Address, Names, Employer information. Please see attached document with details.

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 2023-09-07
Company: Rocket Mortgage, LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
On XX/XX/2023, we requested a home appraisal for the purpose of obtaining a refinance of our home loan in the amount of {$760.00}. 
XXXXXXXX XXXX denied our application, XXXX XXXX the loan specialist we were working with at XXXX informed me that I paid for the appraisal and it would continue to be good for 90 days and we could try again with another lender. 
We decided to try Rocket Mortgage a try... When we got to the point of needing a home appraisal, we asked for the previous appraisal ( {$220000.00} ) to be transferred.All of the appropriate documents were signed and uploaded onto my RM account on their website. 
We did pay for another appraisal, But transferring the first appraisal would be much quicker and easier. 
RM needs the XML file of the appraisal. XXXX says that they can not send it to them. Should'nt all appropriate and coordinating documents be " transferred '' along with other data? We have been in need of a loan since XXXX and we are still in process!

Company response to consumer: Closed with explanation