BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I requested credit bureaus to update my address ; XXXX & XXXX Changed it except for Experian. I sent a request via fax and even called them but experian Does n't want to remove the OLD addresseses. I 'm residing in my current address for more than 2yrs and they should correct my info.

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 2022-11-23
Company: Continental Finance Company, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, XXXX XXXX  card by Continental finance is trying to make me pay {$590.00} after closing my account against my will and then reopening it after attempting to enroll in XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX Their terms and conditions state that I do not have to pay an annual fee and interest will not be billed to my account. However, this debt continues to accumulate and Ive made several daily effort and attempts to reconcile this dispute.

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 2022-11-23
Company: EQUIFAX, INC.
State: FL
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:
List of Fraudulent Hard Inquiry That Needs To Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Square Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My personal cash app was frozen due to a XXXX  lien placed against my XXXX XXXX. Cash app froze my account leaving me in a very bad financial situation. They froze it without a court order or judgement against me and are refusing to unfreeze it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection agency is reporting on my account even though the original creditor was already paid. I have spoken to the collection company and they advised me that this account was already removed from their reporting and has requested the bureaus to no longer report this account on my file.

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 2015-10-02
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
So Experian has a massive data breach through XXXX, and I get to pay them, and the other XXXX XXXX, for the privilege of freezing my credit reports to minimize the damage they did to me through their incompetence. See anything wrong with this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: CSO Financial
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have been and still making payments on my account. Every month. 
The company is not reporting my payments to the creditors. 
I have to call or write to the creditors myself to update the account and I requested that the company I deal with to send me a statement. Regarding my account with the full balance it is not on the statement. and now my account is in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received an unauthorized transaction from XXXX for the amount of XXXX dollars : I contacted Bank of America immediately after seeing this charge and filed a dispute. I was advised to contact XXXX XXXX as well, in which i did. I was informed by XXXX rep that since event had already passed I was not able to get a refund but that what they advise costumers to do is to contact their bank and once their bank files a claim with them they can refund money back. Days later someone from XXXX XXXX contacted me and gave me a claim number in acknowledgment that my charge was unauthorized and that they will be waiting for my bank to contact them. I was given a temporary credit days by Bank of America days later. I received a letter on XX/XX/XXXX stating my claim was denied because The charge was authorized by you or made by someone who has permission to use the card or account. I contacted Bank of America upon receiving that letter and they informed me that because I had purchased a ticket to see the same XXXX in the past they found that transaction valid. I contacted XXXX XXXX only for them to tell me Bank of America never contacted them to dispute the transaction. Spoke to supervisor named XXXX and she assured me they would be able to refund me but my bank needed to contact them, in which they never did. I proceeded and filed a claim against XXXX XXXX with the XXXX. I called Bank of America to have my claim be re opened, spoke to representative named XXXX from claims department on XX/XX/XXXX and he stated that he had good news and it was that XXXX XXXX  was going to refund my money but that I needed to submit a statement and fax it over. On XX/XX/XXXX I faxed over documentation in support of my claim which included my statement along with the copy of the XXXX  complaint. so that my claim would be reopened. On XX/XX/XXXX, I received another letter from Bank of America stating The charge was authorized by you or made by someone who has permission to use the card or account. They have not contacted XXXX XXXX to dispute this item, XXXX XXXX assured me once my bank submitted the claim with them they will be refunding me. But Bank of America refuses to contact XXXX XXXX and they make the decision to deny my claim on the only fact that I have used XXXX XXXX once in the past and that my account wasnt completely whipped out when the unauthorized charge happened, in which it basically was. I was only left with XXXX dollars to spare. Never in my life have i made a purchase so big, you would think Bank of America wouldve tried to block it as it definitely was an unusual amount. They refuse to refund me my money even after sending them signed statements and proof of my communication with 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 2016-05-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have been trying for two days now to get Experian to send me my free XXXX score and credit report to no avail. I first attempted to acquire my information through their website, which kept giving me internal error messages, so I called them. During this call they attempted to get me to sigh up for a trail program and pay fo my report. When I rejected their offer I was told that I need to call another number, which turned out to be their automated line, which again wanted me to pay for it. 
I made several more attempts online and continued to receive errors. I even tried XXXX, and it gave me my XXXX and XXXX reports, but also errored out on Experian. So I called them again, and they told me that the only way that I could get it would be to pay for it. WHAT a RACKET!!! The whole reason that I am attempting to get their report is to try correct their errors. They are reporting my XXXX score XXXX points lower than XXXX and 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 2016-01-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian has failed to cease reporting the inaccurate information on my credit report. I have filed numerous disputes, notified the creditors, and hired a credit agency to assist me to no avail. 
1. XXXX XXXX XX/XX/XXXX is being reported by Experian as charged off, this is not my debt. 
2. XXXX XXXX XX/XX/XXXX is being reported by Experian as charged off, Potentially, negative this is not my debt. 
3. XXXX XXXX. is reporting Potentially late, this is not potentially correct 4. Inquiries on my report were unauthorized : XXXX XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed an old Child Support case that by law should have been removed 2 years ago. I called the State that established and Closed the Case in XXXX. They said that indeed the case was closed, balance zero, and they were n't reporting it to any agency. I disputed it first with Experian in XXXX XXXX. They sent me a report stating that by law this case/account would be deleted 7 years after the case was closed and paid. So, by that it should be OFF my report as of XXXX, which it is not.

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 2022-11-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was XXXX with my job. Found the company called XXXX XXXX and they advertised themselves as a month to month rentals, but found out they are a fraud. On their contract which you have to pay first before you can access the contract and see what youre signing. It said I had to be there for 3 months. I had to pay {$1400.00} to move in and every month their rent kept going up, I moved in, in XX/XX/2022 and in XXXX I told them Im moving out, and they told me I had to pay them up to 6 months. I was upset, but in XX/XX/XXXX they tried to take money out of my account without my permission. I called the bank and my credit card company to block them and I already turned off my debit card, but Wells Fargo allowed them to have access into my account without my permission and they stole {$1800.00}. I called Wells Fargo how was that possible because I never gave those people my bank details except my bank card which was turned off. Still they took my money. The bank returned the money but later took it back again leaving my account with XXXX and I called tried to dispute the charges but Wells Fargo blocked my number and they said they believed this fraudulent people, and they sided with them. I am frustrated and I need help. I want my money back from Wells Fargo

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 2021-10-01
Company: EQUIFAX, INC.
State: NC
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:
I noticed an account and a few hard inquiries on my credit report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I noticed an account and a few hard inquiries on my credit report I do not recognize

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: EQUIFAX, INC.
State: NC
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 sent letters to XXXX and Equifax on XX/XX/21 and have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Netspend Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Transaction done at ATM. Bank is not disputing the charge. XXXX NetSpend hasn't even sent the dispute to the bank for them to fill out. It's been well over a week now. N I still have gotten no right answer from NetSpend. Except that they are currently working on it. There is nothing to work on if the bank isn't disputing the charges. I have spoke to bank manager personally and she assured me that as soon as they received it. They would release my money. NetSpend has me on edge with this they are acting as if they are trying to give me my money back. They are rude and no matter who you speak to you get a different answer Everytime. I just want my money back so I can close this account with NetSpend.

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 2015-06-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My family members and I have had a terrible experience with this company. This company has proven that it does not care about its customers. Since it is obvious that I am not going to get any assistance from this company I am writing this in every place that I can think of to help other consumers avoid the mistake that my family made. There are similar companies like XXXX XXXX that will offer you the same services but with a much better outcome. 

My mother sent me a money gram and it was impossible to pick it up. She went to the store and told me that I needed to pick it up within 90 days and that I should pick it up yesterday. At the store she sent it at, they told her that it would not be a problem for me to pick it up yesterday and even if it was after 90 days I could just call MoneyGram and they would assist me with picking it up at whatever time I needed it. 

On yesterday, I went to CVS to pick the money up. I used the kiosk and spoke to a money gram customer service agent ; he was rude and so were all of the other agents I spoke with. Furthermore, he purposely took down my license number incorrectly. He repeated the things that I said so I know that I gave him the right license number. He told me that I would be able to receive the money and to pick it up from the CVS cashier. The CVS cashier told me that I could not receive the money because there was a block on the money and because my license number was written down wrong. So I went back to the kiosk to call the money gram customer service officials again and the individuals kept hanging up. This kept going on for over XXXX hours. I would call, they would hang up immediately, put me on hold, transfer me, give me the wrong information, yell at the CVS store clerk and blame the problem on him, and/or eventually hang up with no assistance to me. There was XXXX guy who was exceptionally rude and he refused to give me his name. He constantly kept hanging up on me. I think his behavior is extremely unprofessional and he should be fired. Basically, I spent hours trying to reach customer service agents and they refused to assist me. The store clerk was there to witness this. I was in a store alone until XXXX and I had to walk back to my apartment by myself ; my elderly XXXX mother who is in a different time zone was up until XXXX in the morning worried about everything. 

I know that this was very unprofessional and just plain rude and they just did not want to release the money. I think that this is unacceptable and something should be done about this. MoneyGram it would be very considerate of you if you realize that your consumers are human and you treat them as such. Furthermore, consumers please be wary of this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-23
Company: Credit Control, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A letter dated XX/XX/XXXX from CREDIT CONTROL , LLC., stating that I owe them a debt for {$14000.00}. The Original Creditor waXXXX XXXX XXXXXXXX XXXX, XXXX, who previously charged off the alleged debt. I have no contract with CREDIT CONTROL., LLC XXXX They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between CREDIT CONTROL , LLC. and XXXX  XXXX XXXX, XXXX, about me is in direct violation of my privacy per the Privacy Act of 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 2015-06-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The credit agency is not entering my on time mortgage payments for the last 5 years. 
XXXX XXXX is claiming No Payments were made during this period from XX/XX/XXXX to XX/XX/XXXX. 
Are claiming I did nt make any payments at all. 
Have proof payments were made and I have the records of payments from their Accounting Dept. 
They still are claiming to the credit bureau that no payments were made and the credit reporting agency is reporting this incorrect information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. 
XXXX four total, XXXX XXXX four total, an account through XXXX XXXX. Please help as this agency is not complying

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-24
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Counting {$270000.00} they say we still owe and the {$280000.00} balances we have paid in full We have now paid {$730000.00} of {>= $XXXX} they want us to pay for our {$270000.00} house. 
I believe Wells Fargo has stolen {$200000.00} and our duplex they foreclosed

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX I received a letter that was from XXXX XXXX, with a phone prompt that they needed a call back they were in able to verify my identity when I called the listed phone number on the letter Trans Union with a answering prompts answered and was trying to sell me, identity protection, and charge me for a credit report. Although I answered all the prompts is no at the very end I could not get a representative. They just said they would send me a credit report and its a XXXX XXXX fee.. I feel this was Fraud as a letter stating synchrony bank but the number transfers you to Trans Union credit reporting, who tries to solicit fees from you and you can not say no. When you call all you get is phone prompts you cant deny the charges and they will charge you XXXXXXXX XXXX for a credit report that you did not ask for and did not need. 
To me, I believe this is fraud

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