BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
hard credit inquires were submitted to my account with out my permission on the following days 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 explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: NJ
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:
Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ XXXX only address that should show is : XXXX XXXX XXXX. 
XXXX, NJ 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 2022-04-13
Company: EQUIFAX, INC.
State: NJ
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:
I know according to the FCRA i have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can they verify if the furnisher could not? What information did they use to verify the account? The law is very clear on this issue, if it is unverifiable, then it must be deleted. Please delete these accounts from my credit reports since they were not properly verified and the furnisher could not provide sufficient proof to prove their reporting. XXXX XXXX / XXXX : Account number : XXXX, Date Last Active : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : Account number : XXXX, Date Last Active is different on each bureau : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : is not uniform on each bureau : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX Also, I have placed a Freeze on my XXXX and XXXX accounts and this info might have been shared. But according to 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 response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used Western Union direct bank for International money transfer for sending money XXXX. 
The money was transaction was done on XXXX XXXX, 2015 and they promised that money would be available on receivers account on XXXX XXXX. when I checked the receivers account on XXXX XXXX the money was not deposited. Then I call immediately to the Western Union XXXX Bank money transaction department. they said that the receivers bank was rejecting the transfer and money would be refunded to my account within XXXX business days. I was waiting for patiently those days and still money was not credited to my account. Every time when I call the representatives, they were saying that they were escalating the issues and problem would be solved within XXXX to XXXX hrs.But the problem would not solved, no one would be contacted and no follow up, waste of time, and money was not credited to my account. 
When I was using the XXXX or XXXX for international money transfer, money was deposited to receivers account on proper time with no issues. Even I discussed with receivers Bank Managers why money was rejecting when western union sending, they said that they are not rejecting it was western union problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Professional Solutions Collection Agency, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The doctor 's bill was {$460.00} and the debt collection agency is trying to collect {$590.00} because they state that the bill is 120 days late and that adds a XXXX percent charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Aargon Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I asked Aragon Agency inc. to send me the trilateral agreement I had with them. They said they didnt have one. I am reuqesting I be sent trilateral agreement I have to do business with Aragon Agency.

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 2021-09-24
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in the process to complete the documents Mr Cooper is asking to approved my loan modification, every time i send a document they since to lose it or they just don't review and request the same documents 2 to 6 times. every time i called i need to explain that all those documents that they are requesting are already in their possession, it is very hard to understand why can the person in charge of reviewing my loan modification documents do not take the time to review all documents, i have provided all documents even more than 7 times they just sense like they don't care, so i call and speak to someone that persons find the documents and make a note on the loan modification after few weeks they clear the request but is been happening with every document i sent. to my understanding was nothing needs it from me but every time I check they ask for the docs. this is why i need to complain for the treatment Mr cooper give as a client, I'm ready to resume payments once the loan modification is complete but they just don't care

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have not received the promised XXXX XXXX XXXX Advantage points for meeting the requirements of the promotion, XXXX, for my new Citigold checking account. In communications with Citibank representatives via both phone and secure messaging, they confirmed that I qualified and met all requirements in the required time frame. They promised that all points would be deposited by XX/XX/XXXX, but no points have yet been deposited.

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 2021-09-24
Company: Amsher Collection Services, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a collection account which occurred in XX/XX/XXXX after I felled to pay a cell phone with XXXX. XXXX provided its customer with an options no pay on cell service during the pandemic when we were out of work but they came back and wanted large payment on the account in which I couldn't afford so I lost my service after being a loyal customer for almost a decade. They assigned the debt to Amsher Collection agency who said I owed {$3500.00} + in. I requested a bill outlining what I owed this amount for on many different occasion but I stilled haven't received one. I saw where this showed up on my credit report in XXXX of XXXX. I contacted them again asking for a outline of my charges because it was way higher then {$1700.00} XXXX originally owed the collection lady said she was sending it out, so I started making payments to clear the {$1700.00} for now in XXXX of XXXX because it was affecting my credit score. I still never received the outline of charges. In XX/XX/XXXX, I accepted a 50 % pay off in which they said they would report to the credit bureau the account paid in full. I paid {$500.00} on XX/XX/XXXX, but was unable to pay the {$1100.00} + on XX/XX/XXXX and they wouldn't extend the offer until XX/XX/XXXX stating it was for only 30 days, I said oh well, Ill would just take the matter to court, after speaking to the Manager name XXXX who talked very rude to me. Now they have updated the credit bureau saying the accounted was assigned to them in XXXX of XXXX which caused my credit score to drop 16 points due to this false information. It appears as if it was just assigned to them and its a brand new debt. I contacted them and disputed this incorrect information. XXXX stated XXXX took the account away for a short period and reassigned it back to them in XXXX of XXXX. I have filed a dispute with the credit bureau about the incorrect information on this account and they keep disputing it as accurate. I have no billing information to dispute this account with and Amsher has never provided me with any. This a case pf unfair business practice and is using our personal and credit credentials as a pawn to try and make us pay something we dont owe. I contacted XXXX and couldn't provide me with another credit agency that this account was with. They resubmit the information to the credit bureau so they will continue to show as a high impact and recent debt to affect the consumer from getting new credit when the collection is actually an old and incorrectly charged debt,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to you in regards to account that is coming up on my credit report. I have absolutely no knowledge of this account and have sent letters requesting validation to the, to no avail! If they can not validate it, how can you report it?! Enclosed are the certified return receipts that I sent to the creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Since they are unable to give me any information, maybe you could tell me who the original creditor is, what service they performed, where they are located, amount of balance? 



If you are not able to provide me proof that this is my debt and the collection agency is not able to provide me proof either, then you must delete it. I have read about the Fair Credit Reporting Act and it states that you must only report complete and accurate information and you must honor any request to investigate a disputed item. I expect since they cant confirm it, you cant either so it must be removed from my credit report or I will be forced to involve the Federal Trade Commission.

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 2015-06-11
Company: U.S. BANCORP
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have banked with US Bank for over 20 years. This is not my primary account so I do not monitor it regularly. I keep it open only for longevity and have prided myself on perfect credit until now. I set up a premier line attached to the account in the case of an oversight in the beginning and I have a U.S. Bank XXXX which I have used and never had a problem. On XXXX XXXX the bank must have done an electronic purge for idle accounts that has no human intervention. My previously free account had now been charged a return check fee even though I have n't written a check in over 5 years. This activated the premier line that advanced {$15.00}. When I received the notification I went to the bank that very day and signed a form showing that I needed the account deactivated and giving the bank permission to correct the error. I deposited more funds to the account just to be safe and they said I had nothing to worry about. No sooner had I left the bank they called me asking me to come back because they needed a copy of my drivers license and I obliged, signed yet another form and I left the bank relieved. A month later I received another statement that showed I still owed {$15.00}. I hurried back to the bank, told them what had happened and this time directly paid the {$15.00} myself. I then called the credit card company who was of NO help at all. They said I would have to dispute the matter with XXXX, which I did. During the dispute process I discovered not only had they refused to recognize this was an error, they hit my account with a {$50.00} maintenance fee and late fee on top of that. I did not receive a credit card statement to let me know. To add insult to injury the credit report I got back noted I had " poor performance '' and they lowered the credit line on the account. This is a very, very old account that has had literally no activity on it to constitute " poor performance. '' I am so disheartened to see that my bank has no power to fix this terrible problem by reaching out and just saying, " hey, our system goofed and we do not want to lose this good customer who has loved us until now, please fix this for her with our apologies. '' It 's not about the money for me at all it is about integrity and principle and being fair. I 've paid everything they have asked for and it scares me that this could easily happen again. I would close all my accounts but I 'm just not that type of person. I diligently try to work things out with the best of intentions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I use Western union to send money and I have to constantly call to get money released and I do n't get the issues resolved, one person from the company tells me that I do n't need to call to get it reased but then when I send the money it wo n't get delivered to my famy member unless I call, I get charged for the service and I expect to get it, today was an agent being really unhelpful and rude just making me feel uncomfortable and global sanction and interdiction department wo n't help me. I still get charged and get not the device I 'm paying for. They will not help me resolve the issue, I have spent about 10 hours ( combined ), trying to get them to give me a service as they supposed to since they are getting paid for it. I asked for an explanation and they ca n't seem to give me a clear one, they want me to call every time even though I should not have to call, my friends and co workers have use the service and there was no need to call customer service for it, they can use the online service and will be done XXXX operator XXXX from the department in charge on this complaints will not even attempt to help me. Please help me to not have to stop work or whatever I 'm doing to get service as I should. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried multiple times to dispute these bankruptcies on my credit file. This bankruptcy is reporting inaccurate and should be deleted. The third party XXXX XXXX has already deleted these bankruptcies. Im requesting for the credit bureaus to remove them from 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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 2015-10-29
Company: CITIBANK, N.A.
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Im with a debt consolidation company called XXXX XXXX relief, they are handling all of my accounts that I have submitted to them. One Main Financial is one of these accounts, One Main is calling my parents to contact me, I was told by XXXX debt relief to avoid all contact with my creditors and that they would handle it. Now, they are contacting my parents to locate me, and I gave One main financial the number to freedom debt to call, and they are still calling my parents harassing them to locate me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello I was scammed on cash app by someones posing as cash app I never gave them any of my secure information they still had all of my personal information and scammed me for XXXX $ Ive disputed this with cash app gave them all of the info needed they refuse to give me my money.All 3 times they tried to steal my money cash app flagged it as scam if so why was my money still taken. The cash app names where posing as cash app refund dept. The scammer is still texting me trying to scan I have also co ya yes local law enforcement Im really lost as to what to do Im a single parent I was moving the next day they took all I had and to be told I sent it to them? Is there any way this can be covered. Cash app is also a scam platform and they do not care they have not tried to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Good Morning, For the last 2 years Experian, XXXX, and XXXX has deliberately and constantly attempting to destroy my financial well being. I 've contacted them over and over again to get the matter resolved they would delete then reinsert items thats not mine consistently. On top of that speaking on the phone to the reps they are very rude and judgmental as if I 'm a criminal when in actuality I 'm the victim of Identity Theft. I did more research about credit reports i would be an educated consumer via the FCRA and I also come to realized that even the fraudulent accounts they ( all bureaus ) allowed charge off accounts to report balances and re-ages which is a blatant violation of the FCRA. Please I just want some help to restore my life. Just want the bureaus to be fair 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 non-monetary relief
Consumer complaint received 2020-03-30
Company: BMW Financial Services NA, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I attempted to make an ACH payment to cover month of XXXX today, XX/XX/XXXX, however, the error message stated the account is not eligible to make online payments. I am trying to avoid a late fee and need to make payment before fee is assessed. I believe the error is possibly related to past returned ACH payments, if that is the case, I have a new bank account with XXXX and funds are available. I can assure BMWF ACH payment ( s ) will process and not return. In addition, I have added my debit card with XXXX as an added payment source. Past returned ACH payment was due to a deposit not posting on end of bank, I believe funds were held for ten days, not available time payment presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
have had a XXXX account that has a thirty day late payment on it and it was done on XXXX 2010 and I get wrong number to contact. the account was sold on XXXX 2010 I have called XXXX to verified the account and they have no record of sed account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are incorrect addresses reported on my credit report. My home address in XXXX XXXX is correct. I have lived in XXXX for the past 16 years. However the address in XXXX XXXX is my sons address. It is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Chase card has been opened in my name but the problem is that I never opened it. There is an address on my credit report that I have never lived at. I have sent a letter to Chase card to this effect. I would like this to be resolved as soon as possible to prevent further damage to my credit history.

Company response to consumer: Closed with explanation