BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I send a money transaction through MONEYGRAM to my mother she is XXXX years old, with a XXXX XXXX and XXXX ( this money was indented for her medication ), the company warranty that the money is available in 5 minutes, my mother was at the XXXX XXXX, XXXX, XXXX XXXX and first the agent told my mother first that the reference number was incorrect, she called me and I confront that information with her it was same as MONEYGRAM system provide, second they told her that the transaction was already been pick up, well according to MONEYGRAM and my online profile is still available to be pickup, then they told her and me that the transaction did not appear on they are system ; mean time I called MONEYGRAM Myself to confront the information from my online account with them and everything is correct, names, reference number, phone number, email address, I was advise by MONEYGRAM to have agent from XXXX to contact MONEYGRAM, agent from XXXX stayed that they are not allow to contact MONEYGRAM. I spoke to XXXX on the Escalation Department she stated that they can receive a call from the XXXX agent but not call out, I spoke to XXXX XXXX and stated what prior agents have already told me, I spoke to multiple agents that I was not taking dawn they information. XXXX agent stated that they can not call out I need it to call it my self I did and they just keep going on circle. 

Did I mention that XXXX due to Covid # 19 they can only go out every 15 days so this mean my mother will be without medication for 15 day and MONEYGRAM agents event on the Escalation Department just continue reading they are scrip.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We have a balance of {$3800.00} on a Citi XXXX credit card. This account was closed by us on XX/XX/XXXX. Intrest on this account is still being charged at 15.5 % for the last 18 months. I have been advised that credit card companies should not charge interest on a closed account. I called Citi on XX/XX/XXXX to ask the to freeze the interest on this account. They informed they do not freeze interest, with no further explanation.

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 2018-04-25
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I WAS DENIED AGAIN FOR MORTGAGE ASSITANCE, I HAD A TRAIL PAYMENT AND I WAS IN HOSPITAL AND COULD NOT GET TO BANK TO TRANSFER THE FUNDS TO MY CHECKING ACCOUNT, WHEN I WAS RELEASED FROM HOSPITAL I CALLED SLS AND ASKED THEM IF I COULD MAKE PAYMENT AND WAS TOLD NO, THE PLAN HAD CANCELLED, SO IF MY PLAN CANCELLED WHY DID SLS CONTINUE TO TAKE PAYMENTS OUT OF MY ACCOUNT, IF MY TRIAL HAD CANCELLED THEN THE PREDATED ACH SHOULD HAVE CANCELLED TO, BUT BECAUSE THEY WHERE NOT CANCELLED, IT SHOULD AS 2 MORE RETURNED ACH, AND THAT IS WRONG ALSO IF MY PLAN CANCELLED WHY WOULD YOU KEEP TAKING PAYMENTS? MY XXXX   SAID HE WILL GIVE YOU ANY INFO NEEDED TO PROVE I WAS HOSPITALIZED, AND HAVE XXXX XXXX WHICH MEANS I AM XXXX YOU ARE FORECLOSING ON A USXXXX   SOLDIER, WITH NO WHERE TO GO AND I HAVE BEGGED AND BEGGED FOR HELP, CAN I PLEASE HAVE A REPAYMENT PLAN, I CAN MAKE PAYMENTS, PLEASE CAN SOMEONE ANYONE TAKE ME OUT OF FORECLOSURE AND HELP ME GET A REPAYMENT PLAN, I HAVE NO WHERE TO GO, PLEASE I NEED HELP NOT DENIAL LETTERS, PLEASE GIVE ME A REPAYMENT PLAN AND TAKE ME OUT OF FORECLOSURE 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 2019-03-21
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days  prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX / XXXX / {$0.00} AXXXX / XXXX / {$4400.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2019-04-13
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receiving constant call from this company calling my daughter, my sons and wife phones.Asked them repeatedly to stop and they increased calls.Moreover, I've never entered into any agreement with them for anything.

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 2021-05-24
Company: EQUIFAX, INC.
State: PA
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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is LVNV FUNDING LLC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, LVNV FUNDING LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) LVNV FUNDING LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation LVNV FUNDING LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where LVNV FUNDING LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. LVNV FUNDING LLC has not even tried to contact me  regarding this collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: EQUIFAX, INC.
State: NY
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:
They still dont let me see or get my credit report : : : ,seems to me they dont want to fix it, unless I subscribe to monthly paid plan they offered???. I dont have any loans, or any mortgages nor do I have any car loans or payments : : : and they keep asking me this questions in order for me to sign in and print my credit report ) ) ) please help ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received an unsolicited e-mail from Equifax on XX/XX/2019 indicating my Trusted ID Premier would be canceled and my credit information unlocked. 

I do not wish to unlock my credit information. Following Equifax instructions in the e-mail I signed up for their complimentary Lock & Alert product. 

When I attempted to sign in, I got a screen instructing me to call XXXX as my sign in request can not be completed at this time. I did so on XXXX XXXX, and was connected to what was obviously an offshore call center. After several attempts, then being placed on hold, the CSR said that a " problem '' existed with my account and had to be escalated. When I asked what the problem was, she said she was not at liberty to say, but that someone would telephone me to resolve the issue. She then confirmed my telephone numbers. I followed up with an e-mail to Equifax on XX/XX/19. My credit score is above 800, so I know I do not have a credit issue. 

To date, I have NOT been contacted by anyone, and the issue remains unresolved! I do NOT want my credit information unlocked. 

Today ( XX/XX/19 ) I received an e-mail from Equifax stating my complaint had been " resolved '' and asking me to rate their service! NO ONE has contacted me, returned my calls or e-mails, other than an automated reply stating a case number! 

I want my access restored to the Equifax Lock & Alert software which was removed on XX/XX/19, and my account working so I can block access to my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My Acount make my creit score very low I think I should have good Creit by now

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 2018-01-09
Company: Rocket Mortgage, LLC
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX continues to fail to provide the necessary proof that my consent was given in obtaining a hard inquire into my credit history. 
Per FCRA ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. 
( 1 ) In general. A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in  connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance Again I did not submit a hard or soft application and did not authorize Quicken loan to perform a hard credit inquire.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: WV
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:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: WELLS FARGO & COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2010, my MC was charged {$2000.00} to a company called XXXX XXXX. I had never heard of this company or done business with them. I called Wells Fargo Credit Card Services and reported this fraud. They told me that I had done business with them and received services. I tried to contact such company but no such company existed. I asked them if they had a contact number and/or what services had I received. They couldn't tell me. At that time I was naive and believed what a big company told me even though I knew it wasn't true. 

Now that I know my rights I have tried to contact them again, including reporting them to CFPB in the past. ( Case numbers : XXXX and XXXX. ) I believe they think I am right, but are using the expired time limit as an excuse. I didn't expire the time. 
In fact, I reported the fraud the first time it appeared on my statement back in XX/XX/2010. 
This is their problem and they need to solve the problem without giving me excuses. I'm sorry it has taken so long but I shouldn't be punished for it. I won't even charge them interest on my money. 

I have been a long time member of this bank ( XXXX 's ) since I moved to XXXX. They need to find a way to resolve this. I won't give up and will go further down the line.

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 2020-05-05
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I attached a letter regarding what I am disputing. This is about a bankruptcy that is not mine.

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 2018-04-11
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:
Just recently I ordered my yearly credit report and noticed many errors your company is reporting on my report. Not only is it distressed but I am disappointed at how I was affected by the XXXX breach. It has affected me in many ways and has caused so many problems that are out of my control with my identity being used. I am unaware of the accounts and inquiries listed in this letter and I demanded that theyre investigated internally by disputing only the accoutns and inquiries mentioned below. I have never given my consent to open any of the listed accoutns or any new accounts due to the being puzzled of how inquiries were placed on my credit file. These are serious errors that your company has made time and time again concerning my credit file and I will take legal issues if I have to immediately. This has been the 2nd time that I am disputing and it seems that Im being ignored for a particular reason and theirs no answer on to how the errors got any my credit file. I will go beyond measures to get the errors removed and if theyre not removed by XX/XX/2018 I will be taking legal actions against your company. 
Accounts Errors : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.  XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX Unauthorized Inquiries : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX/XXXX 4. XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7.  XXXX XXXX 8. 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 2020-05-05
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. 

XXXX XXXX XXXX {$150.00} XXXX  XXXX {$84.00} XXXX XXXX  XXXX {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Riverwalk Financial Corporation
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 received a call from XXXX XXXX stating that XXXX XXXX XXXX was reporting on my credit report as in collections. The amount shown to be in collections is XXXX. The address of XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX, Tx XXXX and their telephone number is ( XXXX ) XXXX. I do not know who these people are and after speaking with them they could not verify any information. Please have them delete my information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Whenever i try to connect PNC bank checking account via XXXX  to do money transfer. PNC bank is not allowing me to connect request from XXXX.Its blocking. Please fix this.Basically Authorizing by PNC bank is not happening even though credentials are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Citigroup has implemented a policy which is anti 2nd amendment ... anti business ... anti commerce ... anti American ...

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 2021-09-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Most Wells Fargo credit card users also have a checking account with the bank. When they make payment from their personal checking account by transferring to their credit card, the fund is deducted from their checking account right away but doesn't post on the credit card right away. It can take up to 5 days to show payment on the credit card. This is done in purpose to charge interest on the credit card while holding the fund in the bank 's account for cash-flow. This should be illegal and unethical holding customer payment while charging interest for what is already paid. This has been happening for a very long time and hopefully there is a way to stop it. 
This happens only on personal credit cards, for business credit cards they actually process it right away because they know business owners understand cash-flow and interest charge.

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 2020-06-27
Company: CURO Intermediate Holdings
State: AR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have Filed Bankruptcy on this loan, And have refused to take it off XXXX XXXX. I have this Right to have this Removed, Please help Thanks.

Company response to consumer: Closed with explanation