BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-22
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with comcast. I was moving from XXXX to XXXX. I called XXXX to let them know and I needed to suspend service and when I have my new address i will reinstate. They told me OK, XXXX XXXX, not a problem. This happens all the time. 

about a month later, I moved into my apartment and called up comcast and they would not give me service. They said I had to pay almost {$900.00} for a broken contract and there is no record of me having service transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: GA
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  account # XXXX has violated my rights. 

15 U.S.C 1681 section 603 A. States I have the rights to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-05-17
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:
I have brought it to the attention of Transunion that experiences and transactions between the consumer and the person making the report are to be excluded from a consumer report. I would not like my utilization to be furnished on my consumer report, this is my written statement. Transunion has ignored my previous request to update my utilization to 0 % and XXXX balance for the listed accounts. This is a violation of my consumer rights and is causing me to not have faith in the banking system as this is not fair and equitably to me by sharing my private information without my prior written consent. Please see attachment for details and a screenshot of the specific law for reference.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: OH
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:
New to using cedit, went to buy a car multiple places and they ran my credit at so many different places that i did not authorize trying to get me financed. 
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 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 2022-05-17
Company: Experian Information Solutions 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:
This dispute was sent on XX/XX/2022 and as of XX/XX/2022, I never heard a response back from the Experian on this matter. The dispute has now been outstanding for more than 90 days. Regarding 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 2022-10-17
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I submitted XXXX verifications of debit request to debt collector without a response. They are still reporting to Credit Agencies and I have submitted claims to those agencies. XXXX is investigating the claim at this time. The other XXXX agencies has removed the claim. I would like the agency to remove the debt and to cease and desist all collection activity on this debt as it has not been validated. Remove all remarks from credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX/2015XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXTo whom it may concern : On Sunday XXXX XXXX 2015 I went to the M & T branch located on XXXX XXXX XXXX, XXXX, XXXX XXXX at about XXXX and made a {$400.00} cash deposit and {$40.00} withdrawal at the ATM at that location. I checked my account on Monday XXXX/XXXX/2015 as I routinely do to see which bills cleared only to see all of my money was withdrawn out of my account. I went to the M & T branch located on XXXX XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX about the fraudulent activities. She told me she was going to cancel my card and I needed to come back on Tuesday XXXX/XXXX/2015 when all the charges was cleared for her to file a claim on my behalf and that i was going to receive a refund within 24 to 48 hours. As of Tuesday XXXX/XXXX/2015 I have n't received a new card or a refund for the fraudulent charges on my account. I called XXXX and inform her on XXXX/XXXX/2015 that I have n't receive a refund and was told the bank is going over the videos and that I was going to be contact via a letter. I am very disappointed in the way my case is being handled M & T does n't not value or protect their customers from scams such as what I have encountered. I called and spoke to XXXX ID # XXXX over the phone on Tuesday only to be inform that a refund of this sort takes 10 business days and that M & T has sent a letter requesting more information I do n't have any other information to provide ; I 'm looking for M & T Bank to give me more information as to why it was so easy for someone to access my account and withdraw all of my money no one knows my pin number and the card was in with me how can someone be able to access my account ; I need M & T to tell me why all of their members do n't have a more secure and protected ATM cards. I 'm sure I 'm not the first customer to experience this kind of situation my question is why do we the customer have to suffer and wait two week for M & T to investigate fraudulent activities because they did n't not send all of there member a secure card with a chip when they are well aware of how advanced these scammer are. XXXX/XXXX/2015 I reach out to M & T again about my refund only to be told it was denied I have since reopened the case because they have to refund me all of my money and overdraft charges what is my next step do I need to file a court case against M & T bank to get my money back I need help. I 'm going to make sure to tell all my family and friends and anyone I come across to never bank with M & T bank they do n't value there customers and our money is not protected. 

XXXX XXXXRespectfullyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # 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 2021-09-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XX/XX/2021 I send a money transfer in the amount of {$170.00} by MoneyGram to a person in XXXX. 
The money transfer has never been picked up. 
On XXXX XX/XX/2021 I call MoneyGram to their phone number XXXX XXXX XXXX XXXX I talk to a representative for 16 min. answering all kind of question not related to the money transfer, At the end of the conversation the representative told me that a manager will call me within the next hour. 
That never happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
Company: EQUIFAX, 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:
I have brought it to the attention of Equifax that experiences and transactions between the consumer and the person making the report are to be excluded from a consumer report. I would not like my utilization to be furnished on my consumer report, this is my written statement. Equifax has ignored my previous request to update my utilization to 0 % and XXXX balance for the listed accounts. This is a violation of my consumer rights and is causing me to not have faith in the banking system as this is not fair and equitably to me by sharing my private information without my prior written consent. Please see attachment for details and a screenshot of the specific law for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: Convergent Resources, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently received a letter from convergent outsourcing an outside debt collection agency for XXXX. I do n't owe any such debt to this collection agency nor XXXX..You will also see attached documents of this alleged been sold to XXXX different collection agencies within a XXXX day period. Convergent sent a settlement offer and the company a demand for balance in full or they would report a negative mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: M&T BANK CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX merged into M & T Bank XX/XX/XXXX. In XXXX XXXX XXXX XXXX 's accounts were integrated into M & T 's system. XX/XX/XXXX, M & T cut the interest rate for My Premium Checking Accounts from .25 % from where it had been held during the proposed merger period to .001 % which is unconscionable. My local branch in XXXX, NJ stopped displaying the current interest rates so that customers were not informed until after they received their monthly statement which took up to several weeks after the rate change. M & T Bank is offering bonuses to new customers which appear to be paid for with the reduced funds they are paying to existing depositors. The impact of the interest rate change is greatest on elderly and XXXX customers who live on a fixed income and find it hard to move to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: FL
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 still appear on an account that is not mine .XXXX court papers that i already send it to XXXX XXXXXXXX and experian and they dont read that after 30 days of my divorce the house belongs to my ex wife and they still putting the house on my credit reports and im having problems to get another house beacuse of thet .Im tire of sending the courts papers and nobody cares can u help me? Thanks in advance the only company that work on my case and clear everything are XXXX and im greatfull to them

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 still appear on an account that is not mine XXXX court papers that i already send it to trans union and XXXX and they dont read that after 30 days of my divorce the house belongs to my ex wife and they still putting the house on my credit reports and im having problems to get another house beacuse of thet .Im tire of sending the courts papers and nobody cares can u help me? Thanks in advance the only company that work on my case and clear everything are XXXX and im greatfull to them

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 2016-11-22
Company: SUNRISE CREDIT SERVICES, INC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Sent request for verification. Never received information back. But received notice that they were going to put this on 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 2015-10-12
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
My son lives over an hour away XXXX. He was out of money and needed to buy XXXX. I read on line that you could transfer money "In 10 Min." from your credit card. The local Walmart is 20 min. away but I thought to save time I could do it on line through MoneyGram. I filled out the info and submitted it. It said processing and I even rec'd a email saying it was processing. I called my son and he went to Wal-Mart to wait on it. It never processed after a hour Wal-Mart closed and he had to go until the next day without XXXX. Luckily with no major complications. I was never told it was denied... I was only sending XXXX and had 30 times that in my account. I believe they are using false advertising and even the Wal-Mart employee said they had a lot of trouble as well..They should have immediately denied it so I could have made other arrangements. I believe they could be putting the publics well being in jepordy by not providing TRUE advertising and Timely response to their transactions and request for info. After over 2 months they responded to my complaint... Here is what they said:
 PLEASE DO NOT REPLY TO THIS E-MAIL!


Dear MoneyGram Customer:

Thank you for contacting MoneyGram.  We appreciate the opportunity to address any questions or concerns you may have.
Unfortunately, the transaction request you submitted has not been approved.  For security purposes, MoneyGram Online is unable to complete your request.  Your funding source has not been charged for this attempt.
We apologize for the inconvenience.

Sincerely,
MoneyGram  
Electronic Operations Department   

Original message: My son needed money to buy his XXXX last night at XXXX as he lives hour away, Walmart was 10 miles from his home. I went on line to Walmart to see if I could send money from my account to him. Your website said send money in 10 minutes from a debit or credit card. I filled out the info and sent it. I rec'd a transaction notice via email saying it was processing. He was at the store and XXXX and waiting. At XXXX I am still trying to see what is happening. I called this morning and talked to your rep who started asking all kinds of personal questions. She said I would have to go to the store. I am very dissatisfied with A. Your service. B. Your lack of Communications that their need to be more information C. False advertising ( transfer money in 10 min.) This could have caused a serious problem for my son not being able to get XXXX.  I will figure out who in the goverment that regulates this and file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
I received your response, that you close my complaint that I sent, to Investigate the Erroneous Account : XXXX XXXX Balance : {$0.00}, that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I am submitting this complaint again, myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit 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 non-monetary relief
Consumer complaint received 2015-07-20
Company: Direct Capital
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Received call from ( XXXX ) XXXX and msg indicated call ( XXXX ) XXXX -- person answering did not identify the company I was calling and got testy when I asked what company I was calling ( interestingly, without my telling this person my name, they had my name ) -- I refused to give this person my name and asked at the get-go what company had called me. This person was yelling at me stating that " no one ever calls and not states who they are ... '' -- stated I was being sued for a $ XXXX debt and writing a bad check for over {$1000.00}. I am not the person they wanted : name was my first and last name, date of birth not mine, state of residence at time of " crime '' was in Louisiana. This person was very, very rude, yelled at me, and threatened to send case for me to be arrested. Finally after verifying the above name, date of birth, and state, the said would remove my name and number ; however, I have received several calls from this same number. Please do something about this. When I looked up both telephone numbers on the internet, there are complaints about a man named " XXXX XXXX '' -- I still do not know anything about the company or the company he is " representing ''.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation