BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This complaint is regarding Complaint XXXX Experian responded stating that I needed to state exactly what the inaccuracies were and personal information. I have previously sent all this information by mail and no luck in them responding to my disputes. Under Complaint XXXX all the documentation was attached that was previously sent via usps mail at this point this is clearly a stall tactic and I will have to take further if this is not corrected after this complaint to FTC I have kept all documentation I have sent them over and over my disputes of my concerns and they are the ONLY BUREAU refusing to honor my request as a consumer. At this point you have past the timeframe and I know that they have received all my mail due to nothing coming back to my address showing return to sender. I am now demanding removal or please be prepared to issue payment to me due to filing a civil lawsuit with my consumer attorney for them violating my rights this is ridiculous at this point.

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 2016-07-08
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
they told me i have two years to pay they never contact me last thing i heard my name is an collection .the collection people called i tried to make an agreement they refuse me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Choice Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I pulled my credit report and discovered many inaccurate items listed. I contacted the creditors, and nothing has been done about it. Please have the credit bureaus remove all inaccurate items.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert on my credit report a few days ago that I had a medical collection debt that I do not recogonize and it caused my score to decrease by more than 38 points. I'm in the process of trying to get mortgage as I'm trying to be a first time home buyer. This is too stressful as I'm already dealing with the reporting agencies ignoring my request now I have this collecton appear out of no where. I never received any notice in the mail or anything to even even verfiy if this alleged debt even belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I transferred money from my Fifth Third checking account to a new account at a different bank. Even though my checking account had a XXXX balance as of XX/XX/XXXX, Fifth Third charged the account a {$25.00} service charge on XX/XX/XXXX. On XX/XX/XXXX I received a letter advising me to pay the service charge or it would be charged off and may be reported to a consumer reporting agency and passed on to a third party debt collection service. I do almost all of my banking online and when I transferred the funds I looked for but was unable to find an option to request the account be closed. I do not feel I should be charged a monthly service charge for an account with a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
When I went to the XXXX sometime this year for my medical purposes I used Western Union to send funds to myself. Long story short XXXX/XXXX/2016 I made an online transaction sending {$2500.00} for myself and suppose to be picked up at XXXX on the brach in the XXXX. Got an confirmation email from Western Union providing the MTCN #, that the money was sent and it will be ready to be picked up on XXXX/XXXX/2016. So I went to the branch on XXXX/XXXX/2016 and tried claiming the funds? For some unidentified reason they did n't release the funds. They made me sit there for hours and talked to the agents over the phone to see and find out what was the issue. 

I spoke to some of the agents but it seems that they did n't know what to do or tell me that time. I got so frustrated not being to able to get my funds and that really put me on a lot of XXXX and end up having XXXX of my XXXX. Spent so much money on long distance calls but it got never resolved when I was in the XXXX. I needed some funds that time to start my medical treatment. Since i didnt get any funds yet I had to rescheduled all my doctors appointments even my flight had to be cancelled and bought a new plane ticket. It was a huge setback for me XXXX with my condition. 

I believe that Western Union should be the one who 's responsible for this negligence. I used their service numerously and I am much aware of their policy in any circumstances. 
Instead of getting all mad and upset I told myself that I should deal with my medical condition first before anything. 

So when I finally had the chance I contacted Western Union to resolved this problem. XXXX/XXXX/16 I spoke to XXXX of the agent and explained what had happened she resolved and came up with a conclusion by telling me that I was due for a refund and will get a check in amount of {$2500.00} within XXXX10 business days in the mail. Waited almost 2 weeks no check arrived. So I finally called him again this time around they said I will follow up and I should be getting a phone call from XXXX XXXX of the senior supervisor but I did n't receive any phone call or whatsoever. Called couple of times they said the same exact thing that I will receive the check between XXXX business. As I kept following it up things that I was told from the beginning suddenly started to changed. I will stop my story from there because the story went on and on and on. Spoke to at least XXXX to XXXX different agents but nobody seems to have to knowledge or the proper training to resolved this problem. I wish that this get resolved soon as possible and all I expect really is to get what I really deserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Edited

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XX/XX/2015 I was notified by my employer that my wages were being garnished by a company called Gurstel Chargo PA. I had no knowledge of any debt with this company or the Plaintiff, XXXX XXXX. I 've never been to court before or been sued so I was unaware of what I was supposed to do to fight it. This company garnishes my wages for the next XXXX paychecks, they took XXXX % of my check for a total of over {$1800.00}. In XXXX 2015 my employer sent me a " Notice to Discharge and Release Garnishee ''. I assumed that was the end of it and I 'd never hear from them again. On Tuesday, XXXX XXXX I received notification from my employer that the exact same company was garnishing my wages again for the exact same case number but for an additional {$150.00}. My employer called this company and told them that I had already been garnished, but they had not received the proper paperwork to send the money. I was told it must be filed in the court before the money is paid from my employer to the Gurstel Chargo. Gurstel Chargo stated that they did n't file their paperwork on time so they are refiling the garnishment, my work was to return the money to me and they would start over with an additional {$150.00} in interest from the last year because they did n't complete the paperwork in time. I went to the courthouse and filed a dispute and request for hearing, in turn having to pay {$230.00} to do so to fight this. I was never given notice of this " debt '' prior to the garnishment, nor was I given a chance to clear it up prior to them taking a huge chunk of my paycheck. I was never served with any documentation to prove such a debt or even notify me that I owed money and needed to pay it. To this day I still have no idea what this is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: I.C. System, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IC Systems Collections is reporting a collection on my consumer report and violating my federally protected consumer rights. IC Systems Collections has an account that says it is closed as of XX/XX/2021 but has failed to provided me with any " documentary evidence '' to validate their claim pursuant to 15 USC 1692g. IC Systems Collections refuses to tell me who the original creditor and give the me the name and address of the original creditor pursuant to 15 USC 1692g. I, XXXX XXXX, the natural person/Consumer have never had no account with IC Systems Collections anytime in 2021 or prior/after an they refuse to show evidence that their claims are true of any alleged debt. their reporting is causing an " adverse action '' pursuant to 15 USC 1681a ( K ) ( 1 ) and damaging me financially and mentally. Also IC Systems Collections is on my consumer report as an " attorney '' knowing that attorneys can not collect debts from natural person/Consumers. IC Systems Collections is criminally liable pursuant to 15 USC 1611 and Civilly liable pursuant to 15 USC 1640 and now owe me civil damages for their misrepresentation and false reporting and handling of my personal information.

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 2021-07-26
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I'm XXXX, User ID : XXXX a binance.US user for just couple weeks before they locked me out of my account. I didn't realize I was locked out until I check to start trade.i submitted a request on XX/XX/21 by submitting all the requested documents ( a video selfie of me, and photo of me holding my ID and my bank statements etc ). I'd made lots of complaint, and tracking my request was said to be solved but I'm still unable to Access my account. I have over $ XXXX on my account, and it is unethical for a company to hold my money for no reason. Even after providing all documents, they request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX at XXXX I ordered a toaster online at walmart.com for free same day pick up at a Walmart store and charged it to my Walmart Mastercard. I watched my account throughout the day to know when it would be ready for pickup at the store. After waiting all day, I canceled the online order, after also calling walmart.com three times and calling the store where the toaster was supposed to be ready for pickup the same day. Walmart.com cs agents tried to tell me they could n't hear me and something was wrong with my phone. Nothing was wrong with my phone because I talked to others on my phone the same day and we had no problems.Walmart.com cs agents " XXXX '', " XXXX '', and " XXXX '' could not answer my questions or solve the problem of WHEN or if the toaster would be ready to pick up. The Walmart store I called transferred me and put me on hold XXXX or 5 times and nobody ever did pick up the phone in customer service so I could n't find out if the item was ready for SAME DAY pick up so I cancelled the order online in my Walmart account on XXXX XXXX, 2016 around XXXX. I also called my Walmart Master card account at XXXX on XXXX XXXX, 2016 and spoke to someone named " XXXX '' and told him the {$16.00} charge for the toaster I never picked up should be removed from my Mastercard. Today I checked my Walmart mastercard balance and transaction history and there is still a {$16.00} charge on it -- apparently for the toaster -- which I never picked up because it was n't available for same day pick up as promised by Walmart. I called my walmart credit card again today and got the runaround by the cs agent. I then asked to speak to a supervisor and was placed on hold. She came back after awhile, asked, " Are you still there? '' " yes I am, '' said I. She said it will be XXXX or XXXX more minutes. I waited, then hung up because my only phone is a prepaid cell phone with 250 minutes per month, and I 'm wasting those precious minutes and my time on these kind of phone calls. Walmart mastercard knows this as I have told them, so apparently putting me on lengthy holds assures them I will have to give up and hang up.

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 monetary relief
Consumer complaint received 2016-11-03
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received an email stating that I owe XXXX minimum payment on a Frontier Airline/Barclay card ending XXXX. I do n't have a card. When I called some rude people wanted me to provide all my personal information for a card I do n't have. This guy provided me an address in XXXX, FL which I do n't live in XXXX. I want this remove immediately from my credit and this card shut down, destroyed, etc. 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
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is against XXXX XXXX in reference to CFPB complaint # XXXX-XXXX. 

XXXX XXXX  's XX/XX/XXXX response to this complaint was : " DESCRIPTION OF NON-MONETARY RELIEF We sent an update to the credit bureaus to reflect the account status as Paid in Full effective XXXX " This has not occurred, according to a credit report ( via XXXX ) by : XXXX, on XX/XX/XXXX -- Current Status of XXXX  account : " Charge-Off '' Status of : XX/XX/XXXX XXXX, on XX/XX/XXXX Current Status of TD account : " Charge-Off '' Status of : XX/XX/XXXX TransUnion, on XX/XX/XXXX -- Current Status of XXXX  account : " Active '' Status of : XX/XX/XXXX I contacted TransUnion via phone on XX/XX/XXXX who verified the data on the XX/XX/XXXX report. I filed a dispute during this phone call. 



Since XXXX 's XX/XX/XXXX written resolution, I have been accessing updated credit reports on a monthly basis, which have displayed data similar to the current reports. I had followed up with XXXX 's representative and connected with her by phone, twice, over the past two months. I was told that the lack of changes or the incorrect changes to the status ( both exist ), were part of the updating process and to wait another 30/60 days. 
Finally, XXXX  's representative told me that if the credit reports ' data remains incorrect after XX/XX/XXXX, it is now an error with the bureaus and not with XXXX XXXX. 


I will be addressing this with Connecticut 's Department of Banking, per my attorney 's recommendation.

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 2017-01-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had previously submitted a complaint loan # XXXX, only to discover today that my interest rate is going up to 5.75 % and then to 6.75 %. This is under the loan modification program where my current rate is 3.75 % and a balloon payment of {$34000.00} for a home currently underwater. I find this behavior unethical, immoral and greedy.

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 2021-07-26
Company: EQUIFAX, INC.
State: PA
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 did not consent to this negative and inaccurate information to appear on MY credit/ consumer report. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to order food for my family of XXXX and my card was locked and so was my account. I was told it was because I lived in oh and was getting paid from pa but thats how its been for over 2 years. Now they are holding money and are being very difficult to open an account that was XXXX for miniscule reasons. They are in control of XXXX $ of my money and its being held or denied and sent back this hurts us horribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Resurgent Capital Services L.P.
State: NH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
LVNV funding/Resurgent Capital Services is attempting to collect on XXXX different debts which are now expired past the seven years. I have sent them a letter warning them if it is not removed from my credit report since they are reporting it fraudulently to my credit report, then I am taking them to small claims court. They ignored my letter. It is XXXX XXXX that owns both companies. They intentionally go after low income people and then harass them. I did n't even give them my new address. 

They hit my credit info to find out my new address and sent me a letter demanding the full amount of which has been quadrupled from the regular amount of the original creditor. They refused to give me their phone number because they believe that it will make it harder to serve them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to the car dealership to get a car for my son and the approved me but with a high Interest rate. It begin to bother me because I make sure I pay all debt on time. I went to look at my credit and XXXX behold I see a loan on there that Is not mine. There Is a company called XXXX I guess thats where the loan came from. I contacted this XXXX place and Im getting no luck with them. I hope someone can help me with this. Im doing this on my own and really need some help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to the car dealership to get a car for my son and the approved me but with a high Interest rate. It begin to bother me because I make sure I pay all debt on time. I went to look at my credit and XXXX behold I see a loan on there that Is not mine. There Is a company called XXXX I guess thats where the loan came from. I contacted this XXXX place and Im getting no luck with them. I hope someone can help me with this. Im doing this on my own and really need some help with 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