BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-01
Company: Diversified Consultants, Inc.
State: NJ
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:
Diversified Consultants, inc ( on Behalf of XXXX XXXX XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX  Phone # : ( XXXX ) XXXX They reported a derogatory remarks to the credit bureau and damaged my 10 yrs clean credit records based on the failed communication. This debt collection agency failed to communicate to me and within few trial of communication. I am traveling at this moment outside the USA. Without any telephone communication and just and based on the failed communications and one mail ( I never received ), they reported a derogatory remarks to my credit score. This debt collection agency did not try to reach out to me in enough means, not even try to have a successful phone conversations before damaging my credit history. I would like to pay off the balance ( {$60.00} ) with this agency and I want them to remove the derogatory remarks about my credit reporting. I want consumer finance to help me in this situation and resolve this unfortunate circumstances. I would like to pay off the tiny amount to the agency and I want the debt agency to remove the remarks in my credit history. Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: LD Holdings Group, LLC
State: CO
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:
Around XXXX I started the process of getting a home loan with a home loan lender to buy a house and my credit score was XXXX then over the course of a couple weeks and a couple credit inquiries my score dropped to XXXX  then on another inquery XXXX im curious why my credit score keeps changing and why despite no negative impacts other than the inqueries did my score drop to a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my credit score and I saw several accounts and addresses that are not mine. I will list all the accounts and addresses from each credit bureau below : XXXX : Account Name : XXXX   XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name:01 XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name:08 XXXX XXXX 201 Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX , GA XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax fraudulent accounts : Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent Equifax address : XXXX XXXX XXXX XXXX XXXX, GA XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX fraudulent accounts ; Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX Account # : ,XXXX  Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: EQUIFAX, INC.
State: MI
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:
I have filed ID Theft reports with the FTC.gov platform. In XX/XX/XXXX XX/XX/XXXX and and update in XX/XX/XXXX. In those complaints I informed XXXX, Equifax and XXXX of a variation of my name as " XXXX '' and and address of " XXXX XXXX XXXX XXXX, XXXX XXXX Mi. XXXX '' was incorrect and it has been removed. But The XXXX XXXX XXXX continues to appear on my credit reports and this is a huge security issue. For the last time, Could you please delete the " XXXX XXXX XXXX XXXX. '' Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX XXXX XXXX   XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously

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 2019-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
There a numerous hard inquiries on my report for Auto Loans from the year 2017 and they were all made within 14 days of each other. These types of inquiries of the same nature should be shown as one inquiry however they are coming up individually. According to the FCRA this is incorrect reporting and violates the consumers rights. I would like for these hard inquiries from 2017 to be removed. Starting XX/XX/2017 to XX/XX/2017. 

There are also hard inquiries that reflect I requested credit from them, XXXX. XXXX and XXXX and XXXX. I have never requested credit from these people. They should be removed from all credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Overdraft fees are outrageous. For the most part my account is positive. I wish that it would reflect that on XXXX XXXX. I should n't be charged for using the ATM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-02
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
They call my mother every day for the past 2 weeks and They told her that I'm behind with my payments and that if I don't pay by Friday that they are going to garnish my wages and I will have to pay an extra {$100.00} for the suit

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 2022-08-25
Company: U.S. BANCORP
State: TX
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:
On XX/XX/XXXX, I wrote a letter, from my location at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( where I was XXXX ), to US BANK / ELAN FINANCIAL SERVICES ( see attached letter ) requesting copies of my statements from XX/XX/XXXX on, as I had been incarcerated since XX/XX/XXXX and upon reviewing my Credit Report, I discovered past due amounts that could only be fraudulent purchases that I did not make, as I was XXXX during this time. ELAN FINANCIAL SERVICES never sent me, or my attorneys XXXX, XXXX XXXX XXXXXXXX, the requested Credit Card Statements for my review and therefore, I was not allowed an opportunity to review these charges and dispute, accordingly, or was provided insight into the fraud that was perpetrated against me to better glean as to what was purchased and where it was purchased by these perpetrators to aide in my recovery of overall life savings, etc. ELAN FINANCIAL SERVICES did not reply to my request for account statements within the 30 days required for a response, on either request of XX/XX/XXXX, or XX/XX/XXXX, therefore they have not acted within the requirements under the FAIR CREDIT REPORTING ACT ( FCRA ), and are therefore in violation of the FCRA. I never even received a notice from ELAN FINANCIAL SERVICES of any kind, period. Further, I wrote additional request letters to Also, please note that I promptly notified the FBI and informed them of these crimes and others committed against me within the attached letter to XXXX XXXX XXXXXXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, New Mexico on XX/XX/XXXX. Additionally, I have attached the XXXX XXXX First Judicial Civil Court filings against those who perpetrated completed financial and identity theft and fraud against my person, while I was XXXX XXXX XXXX XXXX XXXX in 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 2018-07-02
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/18 I went to " XXXX XXXX XXXX '' to purchase groceries. I had over {$1000.00} in my checking account but I was denied purchase stating that my card was rejected. I inputted my password at least four times but to no avail. It was the third time I had been rejected in the last three months : XXXX, XXXX & XX/XX/2018. I believe they are holding my money to meet their threshold or quota for the month or quarter. I called them each time and I couldn't get a straight answer, their responses rooted in perpetual lies. I look forward to having this issue resolved and not be humiliated holding up long lines of angry shoppers waiting.

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 2020-11-26
Company: The CMI Group, 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: Problem with personal statement of dispute

Complaint:
I had a collection show up on my credit reports that I was unaware of. I contacted the original creditor XXXX XXXX XXXX, paid the amount owed, but disputed the amount at the same. They took payment, and opened an investigation into the matter. I disputed the collection with all 3 bureaus as not valid. The account was removed from both XXXX and XXXX. The original creditor found in it's investigation that I was not liable for the {$59.00} and refunded to me. They also said they would contact the collection agency ( Credit Management ). I disputed again with XXXX  as the original dispute did not remove the account, and still showed it as unpaid. I included a copy of the account statement showing a credit balance. The result of this dispute changed the status to PAID. It must be removed now as the original creditor found the collection to be invalid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02
Company: Capital Accounts, 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: Account information incorrect

Complaint:
Capital Accounts is reporting {$2800.00} as a collection account due to a charge off from XXXX XXXX. I have been paying $ XXXX/monthly to this Dr office and was not told until last week that they are a separate entity. One that is not on my provider list for insurance. I have not received a bill so assuming the {$100.00} was taking care of any outstanding balance due. I should not be held liable for this as a collection item and would like it removed from the 3 credit bureau agencies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Complaint Description : transfer XXXX XXXX XXXX to XXXX XXXX from XXXX XXXX I initiate a wire, after a few minutes I called customer service to review how soon it could happen. I was advised to redo the wire so the agent would cancel the wire so my money was going to be back at our bank account within 72 hours. Money had never been refunded and I every time I call a new excuse is given. Last time they said it was refunded to the same checking account. I had sent them my bank statement to prove it had not been sent back. 

Did you sign a contract? : No Amount in Dispute : XXXX Products Involved : remittance Transaction Date : XX/XX/XXXX Original Purchase Price : XXXX Complaint submitted to the Company : Yes Company Contact Name : XXXX Company Contact Phone : XXXX Date Company Contacted : XX/XX/XXXX Response From Company : No Respondent Name : Remitly , Inc . Address : XXXX XXXX XXXX., XXXX XXXX, XXXX, WA, XXXX XXXX : XXXX Phone : Account Number : Person ( s ) you dealt with at the company : online ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the account listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that the account has been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following account be properly verified or removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX USA ACCOUNT NUMBER : UNVERIFIED AMOUNT LISTED ON CREDIT REPORT 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 2019-04-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not used my credit since I purchase my home, due to the new mortgage payment. I decided to try a refinance of my home loan and found all of these accounts on my credit report and they aren't my accounts. I also had to list additional accounts on my comment section of the identity theft report, beacue it wouldn't allow me to upload, the additional accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26
Company: AES/PHEAA
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/2019 my students were discharged and all balances XXXX  due to XXXX  XXXX  XXXX  XXXX per the Department of Veterans Affairs. XXXX  has been notified that their credit reporting system is displaying multiple accounts with FEDLOAN SERVICING XXXX XXXXXXXX XXXX, PA XXXX Phone # : XXXX In a " Derogatory '' status which has had severe credit impacts to my credit score. I have contacted Fed Loan servicing and XXXX  and disputed the inaccurate information multiple times and the information remains to this date as of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Collection Bureau of America Ltd.
State: GA
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 contacted this company and by phone explaining this information was false. I requested that they stop attempting to collect and asked them to close and completely remove this account from all 3 credit bureaus, deleted. They havent done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX is tring to add negative item to my acctXXXX 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 2020-11-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have initiated an international money transfer through MoneyGram 's service - detailed as below : Authorization # : XXXX Reference Number # : XXXX ( Used by XXXX for tracking ) Date Initiated : XX/XX/2020 Date Promised ( Destination ) : XX/XX/2020 ( XXXX be available sooner ) Transfer Amount : XXXX USD Exchange Rate : 1 USD = XXXX INR Receive Amount : XXXX INR As of today, the amount is not received in the destination bank account. Moreover, there have been several ( 10 approx. ) calls made to the customer care department of MoneyGram, who failed to provide us with ANY resolution. Instead, we have been constantly held off by them making " 4 business days resolution '' claims which in reality, was never provided. 
MoneyGram also claims that they are awaiting a response from the destination bank which in reality might not be the case because - I have been in constant touch with the destination bank that claims that there has neither been any pending transaction request nor any communication attempt from MoneyGram as claimed. 
This is the XXXX day of zero progress on the part of MoneyGram.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received my investigation results.

Company response to consumer: Closed with explanation