BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-28
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I have used XXXX XXXX for transferring money overseas to my family for several years in a row. Online, on a monthly basis, and always to the same 2 members of my family. Suddenly, in XX/XX/XXXX, I can no longer do that online : everyone of my attempts end up in a denial of service with a vague message asking me to check my form of payment or some other excuse. Prior to that moment, I had always used my debit card as a form of payment for several years, without ever a problem. 

I tried to get an explanation of this by phone from supervisors of the agents I spoke to and every time was simply told that " there must be a problem with your form of payments. '' I then wrote twice to XXXX XXXX Customer Care ( XX/XX/XXXX and XX/XX/XXXX ) and twice received the following email Concerning the error that you are receiving, this is to inform you that based on the information you have provided, XXXX XXXX must decline to process your intended transaction. XXXX XXXX is subject to a number of economic sanctions and restrictions imposed by the United States and other countries, and it appears based on the information that you have provided that the transaction might violate one or more of these sanction programs. 

I subsequently made several attempts on the phone to get more information from various XXXX XXXX supervisors to no avail. 

To this day, despite several attempts on the phone or by email, no one at XXXX XXXX has seen fit to tell me exactly what I did wrong and how I can fix whatever it is. 

All I want to know is the reason why I am suddenly unable to make money transfers online and how to fix whatever the problem is. In the meantime, I am forced to find a physical store that does XXXX XXXX transfers and make transfers paying much higher fees every time. 

Please, help me. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX Credit usage XXXX XXXX Balance {$7900.00} Balance updated XX/XX/2023 Credit limit {$10000.00} This is again, not correct. This Bank Card refuses to update the correct balances monthly and Experian will not allow me to dispute monthly. There website shows, that they wait until the Creditor provides the information. When you are applying for loans this will not work.

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 2018-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a phone call from some lady showing on caller ID as XXXX XXXX XXXX They had some basic info from Im assuming my credit report .. the lady went on to say I wouldnt be sued if I agreed to make a payment today of {$1000.00} The supposed debit never never occurred and I told the lady that .. she just kept threatening me. 

She wouldnt give me the name of the business she represented but provided me with a XXXX number Upon waiting on hold for 28 mins I got frustrated and hung up then called the XXXX XXXX XXXX it turns out it's a company called portfolio recovery associates Upon calling back and demanding they provide me with more information in the mail about this so called debt. I was placed on hold again .. this time to talk to the dispute department.. wel guess what another 20 mins on hold and I finally gave up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received a letter from a lawyer offering to represent since XXXX XXXX was being sued. After researching with the clerk of the court discovered that XXXX XXXX, on behalf of Citfinancial XXXX was suing. Citifinancial has illegally re-aged the date of first delinquency through deceptive practices. They NEVER sent an invoice for years yet they were drafting from XXXX XXXX 's bank account {$50.00} each month. After numerous demands for statements XXXX all thise will be attached XXXX Citifinancial gave a run around include saying the account did not exist. When statement copies were finally received it was discovered that the {$50.00} a month did not even cover the interest each month, so this would have been paid on forever. Also Citifinancial was reporting this to the credit bureaus as charged off and not reflecting that any payments were being made on it at all. 
After careful research it is clear that numerous Federal laws were broken ( see attached letter sent to XXXX, The XXXX Court, and the attorney XXXX ). 
Payment was immediately stopped to them. 
Texas XXXX XXXX XXXX stipulates the statute of limitations. This is outside of the statute as they illegally re-aged every time they took a payment. The date should be the date of first delinquency with Citifinancial. Not the date they kept taking the {$50.00}. 
Additionally by not providing a periodic statement The Credot CARD Act of 2009, Fair Credit Billing Act, and Fair and Accurate Credit Transactions Act are all in violation. Due to inaccurate reporting to the credit bureaus, The Fair Credit Reporting Act is in blatant violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
All   XXXX   credit bureaus have failed to keep excellent history from a mortgage i obtained in  XXXX  to  XXXX  at   XXXX   XXXX   XXXX   XXXX   XXXX  , pa. I had {$410000.00} financed. Also i had ( 2 ) leases with   XXXX   XXXX  l of North America for a   XXXX   XXXX   and a lease later in  XXXX  for a  XXXX , all in excellent payment history. I never ask fo any of this to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2019-09-19
Company: FC HoldCo LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/XXXX I signed up for XXXX XXXX because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.

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 2019-04-11
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: Investigation took more than 30 days

Complaint:
Sent FTC violation with the police report and inaccurate information on my credit report fcra violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my credit report : XXXX XXXX ( Original Creditor : 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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2019-04-11
Company: Experian Information Solutions 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:
Experian and XXXX are reporting incorrectly that I am 30 days past due on XXXX   partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2023-04-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XX/XX/XXXXACCOUNT # : XXXX ACCOUNT NAME : DEPT OF EDUCATION/XX/XX/XXXX ACCOUNT # : XXXX ACCOUNT NAME : XX/XX/XXXX ACCOUNT # XXXX ACCOUNT NAME : XX/XX/XXXX 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 explanation
Consumer complaint received 2018-12-14
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citcard rejected convenience check for balance transfer and broke contract to borrow funds. Filed prior complaint:XXXX. 
Contacted by Citicard, XXXX XXXX, and told a code would be sent to me so she can discuss account in a letter from XXXX dated XX/XX/18. I have left messages to speak with XXXX about the fact that I have not received code and have not gotten a response. 
I am concerned about reporting to credit bureaus by Citicard as delinquency in account. 
I am denied access to Citicard on line and customer service at Citicard will not speak with me with the code which I have not received.

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 monetary relief
Consumer complaint received 2022-07-14
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:
IN REGARDS TO CFPB COMPLAINT XXXX, I RECEIVED THIS EMAIL FROM XXXX REGARDING CONTACTING THEM TO VERIFY I MADE THE COMPLAINT. I UNDERSTAND THE NEED TO TAKE SECURITY MEASURES HOWEVER, I DIDN'T MAKE THE COMPLAINT, I COULD NOT IMAGINE THE CFPB SENDING IT TO XXXX ON MY BEHALF. STALLING AND GUILTY!

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 2018-12-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced with our then current mortgage company ( XXXX ) in XX/XX/2018. At the time we mailed in our XXXX payment ( XX/XX/XXXX it was cashed ) and we closed the refinance on XX/XX/2018 with a sub-company of XXXX   called Lakeview Loan Servicing , LLC. 
Lakeview sent us a statement on XX/XX/18due for XX/XX/18and listed an " unapplied Balance '' of {$430.00} and that our total amount due ( TAD ) was {$530.00}. We made the XXXX payment but on our XX/XX/18 statement the XXXX was listed as an " Unapplied Balance '' and the XXXX was listed on XX/XX/18as " Additional Principal Payment. '' I have contacted Lakeview numerous times to get this XXXX pulled from Principal Only and applied as a Regular Payment but they have delayed the review and have stopped returning my calls. My wife started a CFPB complaint for some additional issues with this company on XX/XX/18 and at that time Lakeview assigned XXXX XXXX to the case. I have left voicemails for him on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no return calls. 
The resolution I want is for Lakeview or XXXX to apply XXXX as a regular payment so that we will stop showing as past due ( since XXXX ). i would also request that any late fees be waived as this was an error on their part ( incorrect statement ) and that our Credit Bureaus be corrected to show as on time payment. 

**Additionally this company uses a robo-dialer to contact customers with a pre-recorded message and there is not an option to speak with a live agent requiring each and every customer to make a call back in to Lakeview .

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 2023-08-02
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:
I AM NOT LIABLE FOR THESE DEBT WITH XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, AND US DEPARTMENT OF EDUCATION . I DO NOT HAVE CONTRACTS WITH THESE COMPANIES NOR HAVE THEY SENT ME THE ORIGINAL CONTRACT AS I REQUESTED. I HAVE ABOUT 30 INQUIRIES FRON THE US DEPARTMENT OF EDUCATION ON MY CREDIT REPORT WHICH IS CAUSING MY CREDIT SCORE AND MYSELF TO SUFFER VASTLY. THESE INQUIRIES AND ACCOUNTS ARE NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
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: Information belongs to someone else

Complaint:
IN REGARDS TO CFPB COMPLAINT XXXX, I RECEIVED THIS EMAIL FROM XXXX REGARDING CONTACTING THEM TO VERIFY I MADE THE COMPLAINT. I UNDERSTAND THE NEED TO TAKE SECURITY MEASURES HOWEVER, I DIDN'T MAKE THE COMPLAINT, I COULD NOT IMAGINE THE CFPB SENDING IT TO XXXX ON MY BEHALF. STALLING AND GUILTY!

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 2017-05-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On  XXXX / XXXX / 2017  my cell phone company,  XXXX , withdrew {$70.00} an automatic payment from my checking account ending in #  XXXX . There was a remaining balance of I believe {$1.00}. Then the following d ay Wells Fargo returned th at payment and posted those funds back into our checking account. Now having {$71.00}. I withdrew {$25.00} and purchased a couple of items from a local supermarket on  XXXX / XXXX /2017. Then  Wells Fargo B ank reposted the amount charged by  XXXX  in the amount of {$70.00}, which therefore now left me in the negative balance. Then the following day on  XXXX / XXXX /2017  Wells Fargo Bank c harged our account for an overdraft fee of {$35.00}. This overdraft fee I believe is not a just fee, since the bank was the one who withdrew the funds without advising that these funds were going to be withdrawn. We had the amount in the account for these fee 's and were able to cover the payment had they not removed it. If they had advised us these fees were going to be withdrawn then reinstated then the following day we would of not withdrawn the {$25.00}, nor done the purchase at the local supermarket. If you see I made another payment of {$50.00} on a different account fro m Wells Fargo B ank with  XXXX  and these funds were not withdrawn the following day. I spoke with  XXXX  and they had told me they received the funds on  XXXX / XXXX / 2017  and never reposted the funds back into my account to withdraw it the following day. The confirmation number they gave me if you need it is the following confirmation #  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 2023-10-11
Company: Experian Information Solutions Inc.
State: NY
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.

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