BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-29
Company: Equidata, Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I, XXXX XXXX AND XXXX XXXX, HAVE DISPUTED OUR XXXX CREDIT REPORTS MANY TIMES, WITH LANDLORD TAKING US TO COURT, OBTAINING A JUDGEMENT, COURT CASE XXXX AND NON SUITING, XXXX COURT CASE XXXX SHOWING THEM THEY DIDNT SIGN THE LEASE, PURSUANT TO XXXX CREDIT FILE NUMBERS MENTIONED ABOVE THEY WERE NOT REPORTING, TURNING DEBT OVER TO EQUIDATA, WHOSE ACCOUNT # IS NOT MATCHING XXXX CREDIT FILES, AFTER DISPUTING DEBT AGAIN, CERTIFIED MAIL ON XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) ON XX/XX/XXXX XXXX CREDIT FILE # XXXX EQUIDATA SAID THE DEBT WAS PAID IN FULL ON XX/XX/XXXX A NOTICE OF SATISFACTION WAS GIVEN FOR DEBT, DATED BEFORE WE MOVED IN, XXXX CREDIT CONFIRMATION # XXXX ( XXXX XXXX, AND XXXX CONFIRMS THE JUDGEMENT WAS PAID ON XX/XX/XXXX WHILE EQUIDATA CONTINUES TO SAY WE OWE DEBT, SENDING A XXXX CERTIFIED LETTER ( XXXX XXXX XXXX XXXX XXXX ) TO XXXX, SHOWING THEM THEY NEVER SIGNED LEASE!!! 
OUR ADDRESS IS XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I went to Target to purchase gifts for my family in XX/XX/2016 in the original amount of approximately {$240.00}. The cashier said I could save 5 % on the current purchase if I signed up for the Target Red Card. She said it would only take a few minutes and that I would receive the red card in the mail. So I agreed, and signed up at the cash register. A few months go by, and I start receiving phone calls from Target headquarters stating that I owe them over {$300.00} in unpaid credit card charges. So I checked my mail and sure enough, the original purchase of {$240.00} was charged to the red card I had signed up for, but had not yet received. The red card had {$38.00} late payment fees and a ridiculous 23 percent interest rate. The biggest problem is that it was not made clear to me that the purchase would be immediately charged to the red card, right after I signed up, and then be charged accruing interest and late payments on purchases I was not aware were charged to the red card. I believe this was a predatory and deceitful practice, and especially heinous because it happened during the holiday season.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Contacted all XXXX credit bureaus to have a account added to my file. This installment loan was taken out by myself and paid in full on time each month. I 'm trying to show future creditors that I 'm am reliable and able to take care of my financial responsibilities but if it 's not being reported I ca n't prove that. I 've sent correspondence to all credit reporting agencies and have n't heard anything as of yet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I contacted CFPB to dispute a negative mark XXXX XXXX XXXX collecting a debt for payday loan yes. it showed DoFD in 2008. I have never heard of XXXX. I never received any correspondence from XXXX or XXXX. Their response to CFPB is on file case # Case number : XXXX ; however, the negative mark has not been deleted from either credit bureau as promised. I also disputed with the credit bureaus and informed them of the response on CFPB ; however, they continue to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I have tried to transfer money to a bank in XXXX and WU wrote, on XXXX XXXX, 2015, that the transaction went through : XXXX XXXX, Thank you. The payment for your money transfer has been received. It will be available in XXXX XXXX XXXX XXXX XXXX account by XXXX XXXX, 2015. 
If you have any questions, contact us anytime. 
Thanks for using Western Union. 

XXXXThis is your proof of payment for the money transfer below. 
XXXXYour tracking number ( MTCN ) is : XXXXTransaction Date : XXXX XXXX, 2015 XXXX ETHowever, on the same day ( XXXX/XXXX/2015 ), I received this email : Dear XXXX XXXX , Money Transfer Control Number ( MTCN ) : XXXXWe have received your order, however, we regret we are unable to process your transaction at this time. 

If you feel this action is in error or have further questions as to why your transaction was declined, please contact us online or by phone at XXXX. 

We regret any inconvenience this action has caused. As an alternative, you may send money using cash from a Western Union Agent location. You can find an Agent location on our Web site. 
For additional information, visit us at www.westernunion.com. 
Thank you for using Western Union! 
then, on XXXX XXXX, I receive this email : Dear XXXX XXXX, Your tracking number ( MTCN ) is : XXXXWe received your request to cancel your money transfer. If your account has been debited, we 'll refund the money transfer amount and fee to you. 

Send money at one of our agent locations. Find your nearest agent location now. 

Thank you for using Western UnionNow, I have never sent a request to cancel the money transfer ; this is a lie. 
I have received the refund, however I was charged for the transaction! It 's a matter of principle that the business should not charge for their botched service. 
Even if the fee is just {$5.00}, it is outrageous. 
I have filed complaint with WU on XX/XX/XXXX but I am yet to hear from them and my call to WU today was as if I was talking to a wall. The customer service assistant could not help me. 
" Money Sent from XXXX to XXXX XXXXThank you for submitting your question, we will be getting back to you in 1 business dayReference Number : XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Hi, I have tried now 7 times to get my date of birth corrected. It stays corrected for about 1 to 2 days and reverts back to the wrong birthday. The most recent Equifax dispute numbers are XXXX, XXXX and XXXX. Again it was corrected for 1 day and reverted back. I filed a CFPB complaint XXXX and again it was corrected but reverted back in 1 day. I have spent several dollars trying to correct this and buying credit reports. What will it take to fix my birthday to XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am in a debt relief program, both chase and XXXX, are repeatedly calling me when they have been informed by the company " XXXX XXXX XXXX  '' through which I am settling my debt that I am in a debt relief program. I feel as though the repeated calls and emails are unnecessary and borderline abusive. So I'm short my problem is that CHASE and XXXX will not stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2021 I was arrested in XXXX XXXX jail and I was incarcerated until XX/XX/2021. During that time my XXXX unemployment card way2go card had {$2800.00} on it. Someone I used to rent a room from stole my card info and used it numerous times at XXXX XXXX XXXX and XXXX to pay bills and make orders in their own name and also claim my weeks while I was in jail. When I was released on XX/XX/2021 I discovered that my card was used and I reported it to the way2go card and them filed a claim and also made a police report to the XXXX XXXX XXXX XXXX XXXX. I followed up several times with the way2go fraud department to make sure they received all info I sent in and was told yes and then around XX/XX/XXXX XXXX was told it was denied due to them not getting the police report and proof of incarceration papers I sent and to resubmit to possibly reopen case and then was told that was also denied. They made the mistake by not giving me the info that they didn't receive my police report and proof of incarceration papers when I was told they did so the investigation was missing important documents made to do a proper investigation I lost {$2800.00} and my weeks were claimed the proof was I was in jail and the person paid personal bills with the card

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax XXXX XXXX, GA XXXX Or XXXX XXXX XXXX, PA XXXX Or XXXX XXXX XXXX, TX XXXX XXXX SS XXXX DOB XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : [ XXXX CR ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX ]. 
As required by FACTA and in support of my request, I am including a copy of my identity theft report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. I may be reached by telephone at [ XXXX ] Sincerely, XXXX SS XXXX DOB XX/XX/XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I deposited crypto and it was never credited to my account. I emailed them every day asking what happened to my deposit and they only respond by saying it's under " maintenance ''. After a week, I'm convinced they simply just stole my crypto assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I made a {$600.00} money transfer to the XXXX thru Western Union at XXXX in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ. I was guaranteed by the staff who assisted me, named XXXX that my recipient will get the money transfer in US dollars. XXXX showed me the receipt in US Dollars, but on the bottom of it is a Peso conversion, but then she guaranteed again that they 'll get it in XXXX dollars. I trusted what she said knowing little on how to read a transfer receipt. The next day my father withdraw the money transfer from a WU in the XXXX and they said that the transaction was made in PESO not US dollars. This means that my father will receive the money based on WU exchange rate which is way cheaper than getting the Dollar and have it exchange in the bank. This incident is the XXXX time that happened. After the first incident i would normally double check my transaction with the WU staff, to make sure that the transaction is made in XXXX dollars, and i did n't have a problem, Until my recent transaction with WU last XXXX XXXX, 2015.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2017-04-10
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The debt collection agency " Receivables Management Systems '' in XXXX, VA at XXXX attempted to collect a debt from medical fees. The only bill I have received included only a total balance, account #, and contact information for the company. No information was indicated as pertinent to dispute, nor was a right to dispute included. Nor was information sufficient to validate the amount of the debt provided - specifically, I requested an itemized bill so that I could verify individual charges before I agreed to the total, and they have refused to provide an itemized bill. It has been several weeks since I requested that information.

Company response to consumer: Closed
Consumer complaint received 2021-11-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I never heard of these places on my credit report I'm victim of fraud!!!!!!!!! Ive never applied for anything in my life and far as medical bill Im on government side I really need help people are using my name so much I can't prove my own self .....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
It 's a struggle every time I try to get my free annual credit report from the credit reporting companies covered by annualcreditreport.com. I try to space out my requests so that I get a different one every 4 months, but I can usually only get a single one per year from XXXX as it 's the only one that works consistently. Transunion is always blocked by my anti-virus system when they try to transfer me to a malicious website and XXXX always tells me that I 'm blocked from ordering through the official website and must make my request by US Mail. These problems have gone on for several years now and I 've tried reporting them to annualcreditreport.com, nothing ever seems to change. It seems that they make it so difficult to get the legally required free report, that the only way to accomplish it is to buy some bogus service from them. Why does n't the government put a stop to this?

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 2017-04-10
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
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:
I was a defendant in a landlord tenant claim which I was found to owe money, the " order granting judgment dated XX/XX/2017 is for {$5400.00} ( which includes damages of {$5100.00}, costs {$110.00}, and attorneys fees {$150.00} ). I borrowed money from my 401k to pay this, and they sent a letter back that as of today XX/XX/2017 I owe XXXX due to interest being charged. This is a lot of interest for 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed identity theft several times, they have failed to adequately investigate the items I have disputed, I have attached a copy of my police report. 

They also refuse to investigate and or remove the credit inquiries that I have disputed. These credit inquiries are affecting my credit score and need to be properly investigated or removed. If they fail to investigate the disputed items I will use the legal system in small claims court to get this resolved for each inquiry I 've disputed. 

I would have also attempted to get the number on my credit alert updated to XXXX and have not had any success.

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 2015-05-23
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I sent all requested identifiers to Experian. I waited some time and called special handling to verify their receipt and validation. All items were accepted at said point. I elected to place several items in dispute with Experian, including but not limited to Date of birth, Addresses, Name indifferences, and several unknown credit inquires, and collection accounts. I waited the time frame they are allowed by law they elected to remove some items from the credit report such as collections who did not respond in their time frame and that is really all. I asked about the collections that remained and was told they remained because they were validated by the source, I explained the source has agreed the debt is not valid and has asked it be removed via XXXX update ( XXXX DELETE ). They said the debt was valid and refused to delete. I explained that several of the credit inquires were agreed to be deleted as well I sent them correspondence from the source to them via certified mail that explained the same and they refused to remove said items. I asked what items in specific the creditors had verified when they had verified bad debt they said it was not their responsibility to disclose. When I call to inquire further with Experian, they elected at their sole desertion to have my call automatically transferred to an answering machine in special handling based on my input of social security number. I have left several messages and allowed some time to pass and never received any follow up calls. They have also elected to block access to online reports or disputes and ask me to send in identifiers they already agreed to receiving, even if I elected to pay for my own report. When I applied for a credit card and they used Experian, I was informed their was no Experian report found. I have a credit report that Experian sent me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Bank of America Cash Rewards Visa offers and advertises purchase protection as one of their card benefits. This benefit offers purchase protection for recently purchased items that are lost, stolen or damaged. I filed a claim with XXXX for a recently purchased damaged item. I provided all requested documentation. I subsequently provided additional documentation. The claim was denied because the incident was NOT an " act of XXXX. '' The printed brochure I received with the credit card lists " acts of XXXX '' as reasons to deny a claim. This is clearly an example of Bank of America offering a benefit they have no intention of providing.

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 2017-04-08
Company: TMX Finance LLC
State: AZ
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
Interest Rates that were based off of inaccurate information on a loan that I had paid in full the first month of having the loan. In addition to this, nothing was said about my current military affiliation.Currently I am a service-member the interest rate is unfair and unethical. I am at risk now of losing my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was shocked when I reviewed my credit report and found several late payments on my XXXX student loans with the dates below : 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: College Assist
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Years ago I defaulted on my student loan and before I could resolve the issue it was transferred to a collection agency. Since then, I have written numerous letters to the many different collection agencies requesting detailed information regarding the loan and fees. Each time this is done, the loan is again sold to another company. Sometimes, there was XXXX different companies trying to collect at the same time. In fact, XXXX attempted to garnish at the same time. I finally received a response from XXXX XXXX saying they would obtain the documentation and forward it XX/XX/2016. I just received a letter XX/XX/2016 from College Assist saying they sent me a notice on behalf of the XXXX XXXX XXXX XXXX regarding retaining federal tax refunds and that they would be offset. I have not had any contact with that collection agency in over two years!!!!! It has been sold numerous times since then and I have kept all correspondence with these companies. How am I to blindly resolve this debt without any documentation? Am I to believe what the tenth in line collection agency is requesting?

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