BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX was paid and it is supposed to be deleted from 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 2017-12-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I bank at XXXX Bank. My checking account was erroneously debited twice by my mobile phone company and when I realized the error, it was too late to stop the second charge so I was given a credit. In the meantime, because of the second charge ( which was {$510.00} ) my account went into overdraft and I was debited {$370.00} in fees. 

I called the bank on XXXX/XXXX/XXXX. I was told that the overage was n't my fault and that I would be credited the {$370.00} but that {$180.00} was still pending and I would have to call the next day for resolution. 

When I called on XXXX I spoke to a different associate and was told that the rest of the money could not be refunded. Both the associate and the manager at the Resolution Office told me that either had no way of knowing who I spoke to or what was promised to me. 

I countered with, " you are a financial institution, I find it difficult to believe that your associates do not note resolution attempts on customer accounts. '' I work for a financial institution and in fact I write policies and procedures for a living so I told the manager that I wanted to escalate it further or I would have to file with the CFPB for excessive fees and gouging. 

He put me on hold. After five minutes he came back and said that he had spoken to the first associate and that she acknowledged I would receive a full credit. Of course he lied when he said he could n't research the resolution issue. This is an unfair practice designed to deny customers of their rights while overcharging their customers with exorbitant fees. 

I should n't have to fight to receive fair treatment. XXXX XXXX XXXX Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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 2019-08-12
Company: National Credit Systems,Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I paid a third party ( really, fourth party - a fake law office ) which is somehow connected to National Credit Systems. In a recorded phone call, I reiterated back before giving consent to charge my credit card, that this would include the deletion of the debt. The agent said it would include the deletion of the debt. Prior experience is that debt deletion isn't difficult. You just tell the credit bureaus to remove it and they do. So after being told " I missed the cut off date '' for XXXX, I waited. 3 weeks later it's still on my credit. Since National Credit Systems doesn't feel like honoring their obligation, I no longer feel like honoring mine and I have requested a chargeback from my credit card company. This company is a scam. They should not be allowed to operate in any capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: EQUIFAX, 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 sent in all required documents by mail to the three credit bureaus in XX/XX/2019. They have failed to respond with in the stated requirements of the fair credit reporting act section 605b. I am a victim of identity theft and in desperate need of these items being removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
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:
I sent in all required documents by mail to the three credit bureaus in XX/XX/2019. They have failed to respond with in the stated requirements of the fair credit reporting act section 605b. I am a victim of identity theft and in desperate need of these items being removed from my 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 2023-03-23
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have reached out several times to Mohela regarding the status of my student loans. I inquired about receiving a refund for what I paid during the COVID 19 Pandemic and have not received a straight answer. My loans were originally with XXXX and recently transferred to Mohela. My first contact with Mohela was through their messaging portal on their website on XX/XX/XXXX, XX/XX/XXXX, and XXXX. I received a generic FAQ and not an answer to my question on XX/XX/XXXX. As a result I filed two claims with the XXXX XXXX XXXX that were closed because the company made promises to contact me. I finally received a letter in the mail in XX/XX/XXXX that stated my request was received and that I would receive a check from the US Treasury. I sent a message to Mohela on XX/XX/XXXX and was told that the US Treasury would send the refund within 60 days of receiving the letter. On XX/XX/XXXX I sent another message after not receiving a refund and was told that they could not verify a maximum time to receive the refund on behalf of the US Treasury. I chatted with a Mohela representative XX/XX/XXXX and was told that I had not received a refund because Mohela was working with my previous servicer ( XXXX ) to obtain my payment history. I would like a straight answer at this point as I have waited over 5 months since my initial request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 2019-08-12
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On or around XX/XX/XXXX I applied and was approved for the American Express Platinum Card. The card normally carries a {$550.00} annual fee, for which I had it waived as I'm an XXXX XXXX XXXX XXXX XXXX. XXXX of the major benefits of the AMEX Platinum Card that was advertised was its monthly XXXX credit, for which it stated it would provide a {$15.00} credit each month and {$20.00} in XXXX. I was excited to begin utilizing the benefit as part of the AMEX Platinum Card 's various offerings.

Most credit card rewards and credits work by using the card to pay and then afterwards it being  reimbursed as a credit on the card statement - in fact every card I've ever had has worked in that way. However it wasn't until approximately XX/XX/XXXX that I noticed that I had been charged, without a statement credit or reimbursement, on my AMEX XXXX XXXX each month for the XXXX rides I had since taken with it. 

Upon research, I found that the AMEX Platinum Card 's terms were - in extraordinarily unclear and deceptive fashion - stating that the complex procedure for using the {$15.00} XXXX credit was to choose the XXXX cash as the option when booking a ride, rather than standard credit card practice of reimbursing for payment at the end of a statement cycle like how the American Express Blue Card even did.

In total I had been essentially tricked for months into thinking that I had been utilizing the AMEX  Platinum 's monthly XXXX " credit '' when in fact I hadn't been. It encouraged me to use the card even though it wasn't giving me the reimbursement it had represented it would be giving to me for those XXXX rides - meaning over the course of those 7 months or so I lost approximately {$100.00} in XXXX credit reimbursement that I otherwise should have received. 

As a card that normally charges an extraordinarily {$550.00} annual fee, this is a deceptive and abusive marketing tactic/ploy that equals the egregiousness of said fee. In trying to resolve this with American Express there was no easy option to contact the company, implying that the company makes it difficult for customers to try to resolve abusive practices that the company has inflicted upon their own customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Law Office of Michael J. Scott, PC
State: TX
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 AM BEING SUED BY SCOTT AND ASSOCIATES FOR A LOAN THAT WAS CLEAR IN BANKRUPTY IN XXXX THEY HAVE CHANGE THE DATE TO XXXX XXXX AND SAID I GOT THE MONEY IN XXXX WHEN I FILE I DIDNT BORROW ANY MORE MONEY FROM ANYONE. I DONT KNOW IF SOMEONE ELSE DID I KNOW I DIDNT.THE ONE WHO IS DOING THIS IS XXXX XXXX XXXX AS I SAID I HAVE NOT BORROW ANY MONEY SINCE MY BANKRUPTY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Continental Finance Company, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A credit card account was fraudulently established with Continental Finance Company , LLC using my identity in XXXX, and subsequently reported to the credit reporting agencies as delinquent. Numerous attempts with Continental to establish the account as fraudulent and have it removed from my credit reports went unanswered. I submitted complaint # XXXX with CFPB in XXXX, and a rep from Continental responded with a Notification of Suspected Identity Theft form to submit. The form was promptly submitted, and a rep informed me over the phone that the form was received and the account would be removed from the credit reporting agencies and a confirmation letter mailed to me. As of XXXX the fraudulent, delinquent account is still being reported to credit reporting agencies and I have never received any letter from Continental confirming the removal of the account. I contacted Continental 's customer service over a month ago and was promised a " supervisor '' would contact me to help but have yet to receive any response. Continental repeatedly refuses to provide any contacts within the company that can resolve this issue.

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 2021-07-07
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received notice from stillman law office on XX/XX/21 stating they are representing XXXX XXXX XXXX XXXX in regards to a debt collection. On XXXX XX/XX/21 I received an email from XXXX XXXX XXXX company stating a debt was due. I emailed the company on XX/XX/21 requesting that the company validate the debt. No response has ever been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On Friday XX/XX/18 I got copy of me credit report and notice some things on my report that I didn't apply for. I called credit bureau and told them about my credit, and they said they would take it off, but when i got a copy of me undated report the inquiries were still on.

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 2020-12-08
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Thursday, XX/XX/XXXX, I purchased a laptop ( XXXX XXXX XXXX XXXX ) from XXXX XXXX ( merchant ). The purchase price was {$600.00}, and the overnight shipping was {$70.00} dollars, totaling {$670.00}. Upon receipt of the {$670.00}, XXXX stated that he would provide a tracking number for the laptop. I went ahead and completed the purchase of my laptop. After XXXX confirmed my purchase, he became unresponsive to my requests for a tracking number. 

On Friday, XX/XX/XXXX, I become concerned once I did not hear back from the merchant with my tracking number, fearing I lost {$670.00}. I reached out to the merchant with no response. Then I decided to reach out to the Cash App support team. The Cash APp support team recommended that I process a request for a refund from the merchant through their app. I proceeded to process the request for a refund from the merchant. In that, I continued to reach out to the vendor to no avail. 

I continued to tell the support team my concerns and asked what would happen if the merchant declines my request for a refund. None of the support agents could tell in detail what would happen in the request for refund process. They kept referring me to their terms and conditions. 

Getting more frustrated, I noticed the merchant placed the item for sale again. I reached back out asking about the laptop, and they send the same messaging, which then I learned that they are using Cash App to conduct fraud via their platform. 

After bringing this to their attention, Cash App continued to refer me to their terms of service, not acknowledging that a user is stealing from others using their platform. 

After many attempts to alert them and tell them about the fraud and that it is not fair, they keep my money and continue to fraud, other people. 

This complaint shows the unscrupulous policies that the Cash app has as it allows fraud to be committed and has no protection for its users.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I completely settled this debt with this company. 

I paid the agreed settlement amount due of {$1400.00} as of XX/XX/2023. I received a letter saying that this debt was satisfied. 

The company representatives that I talked to said that once I paid this debt off, then they would completely delete the collection off of my credit report. 

Hunter Warfield has not deleted this item off of my credit report, and they are still reporting a balance of {$1400.00} to the all three credit bureaus. They keep reporting a balance instead of deleting the item off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: MO
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: Problem with personal statement of dispute

Complaint:
All deteails where describes in certified letters attached below, they did not follow the request i asked For

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 2018-12-04
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Southern Management System reported that I had {$4700.00} in collections and placed it on my credit report. They never sent me a bill prior to me contacting them and asking them where did they get {$4700.00} balance from. In response to my letter, they sent me a bill for the amount {$2900.00} and said that they would have all three credit bureaus update the amount. I wrote them a letter trying to clarify inaccurate items in their letter. They retaliating by notifying all three bureaus to report {$4700.00} on my report instead. I will enclose documents to support my complaint.I have sent them several communications trying to find out where they are getting there amounts from and they are evasive. 

The original creditor is XXXX on XXXX XXXX and they have lied on the paperwork that they gave Southern Management but that's a different story. Southern Management is trying to collect {$4700.00} when XXXX gave them an amount of {$2900.00}. It is incorrect also, but it not the {$4700.00} that Southern Management is unlawfully reporting and trying to collect. Southern Management is trying to pad the bill as evidenced by my most recent look at my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: EQUIFAX, INC.
State: NE
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: Other problem getting your report or credit score

Complaint:
Equifax said I have nothing on my file. Even asked me if I have credit. XXXX years old have never had a problem getting credit pulled up. They told me to send identification documents which I did they said would take 48 hours still have no file. They seem to not be able to tell me why I have nothing in my file. Told me to resend documents. They have no answers for me why I dont have any record of credit and what will happen when I give them the identity documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Debt Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a veteran I never used this hospital Or emergency room please show physical proof that I came to this hospital oe a signature I came here if you can not provide this delete this from. My report Can someone help me From Cpfb this is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Rausch Sturm LLP
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I previously submitted a complaint about Rausch Sturm LLP attempting to collect the incorrect amount of debt. On XX/XX/2022 Rausch Sturm LLP sent communication confirming the actual and correct amount of debt owed. They said that, I as the customer only owe XXXX to pay my account in full. 
I have made multiple attempts to contact Rausch Sturm LLP to pay the above amount to settle my account. They refuse to give me access to my account saying it is still in a dispute. No one can answer my questions of how long it will take or offer any solutions. I would like to pay off the account and be done with this company. I have called weekly to ask for updates my account and have not received any helpful information.

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