BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I initiated a transfer online with Western Union at XXXX EST. XXXX. XXXX. It was for my niece in XXXX. I received an email that they are reviewing my transfer and it should take no more than 2 hours. I did not hear back anything.

After almost 4 hours, I contacted Western Union about the status of my transfer. They told me that my transfer was on hold because they need ID of the recipient. This is something that was not disclosed to me beforehand and I feel it should have been. Even after the transfer was initiated, no one contacted me. I asked them that the need for this transfer was urgent and they just cancel my transfer and unblock my funds so that I can send it thru other means. 

They have refused it. They keep saying that that they need receivers ID in order to cancel. Why would they insist on this? I am sending money to my niece who is getting married. Its going to her bank account. Western Union has all that information. Its verified. 

As of now, I just want WU to give my my money back. I do not want to deal with them anymore. I spent more than 2 hours on hold just waiting to talk to someone. I just need my money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2023 I received a email from destiny.myfinanceservice so I called to see about what I can do to reestablish good payment history with them they tell me they didn't email me or say things like that when i was reading the email they sent me I asked can I email me them what I received they told me we are not allowed to email them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I wanted to try to get a personal loan and these inquiries were on my reports and it will affect my outcome of getting the loan. the inquiries are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION 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 XXXXXXXX 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 2022-11-30
Company: TEXAS CAPITAL BANCSHARES, INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX Bank XXXX my account without my knowledge or consent on or about XX/XX/XXXX. As of XX/XX/XXXX, XXXX Bank has not contacted me nor restored access to my account or its funds, despite my repeated telephone calls requesting they restore my access. During the phone calls they refused to transfer the call to a XXXX and also refused to transfer the call to the security department. Others have reported very similar problems on XXXX Bank 's XXXX XXXX XXXX page.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I want the company to remove the fraudulent inquiries in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX credit card is issued through Comenity Bank. 

They have a horrible security practice of making the account number the credit card number. This is terrible IT security. This " account '' number isn't on any statement that they send you, they assume that you will know it is the credit card number. 

Currently it seems all of their ( Comenity Bank ) systems are down. They had a planned website update, but users are now unable to log into accounts. They also offer a " fast pay '' service where you put in your credit card number ( aka account number ), zip code, and last four of social security number then it will let you make a payment. That is down as well. This is a great way to have built in identity theft .... 

I was able to log into my account yesterday, but it said that I was unable to add a bank account to make a payment due to their system upgrade. Then today, I am unable to log in. My account is currently past due, and I am trying to pay before it gets sent to a credit bureau that I am late. 

I called their customer support number, and it says that they are currently upgrading systems and to call back later. Then it hangs up. This is unacceptable. 

I have messaged XXXX through XXXX, and Comenity Bank 's XXXX page is covered with users complaining about this. Comenity Bank 's response is a boiler plate reply that they hit an issue with the upgrade and are trying to restore service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: CBC Companies, 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: Information belongs to someone else

Complaint:
I have reached out many times to the companys reporting on my credit reports and matched info For my social and birthday address which they agreed did not match my true identity and all agreed to delete all accounts from my credit reports permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Nelnet, 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 mailed out on XX/XX/XXXX and received no response from department XXXXf education/ Nelnet in which I followed up on XX/XX/XXXX via certified mail with returned label in which I received no response. They received both correspondences on XX/XX/XXXX and XX/XX/XXXX in which there still has been no response and it is XX/XX/XXXX. It's now going on 67 days with no response from the original complaint date. It's under my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did not respond within the allotted 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
I have reached out many times to the companys reporting on my credit reports and matched info For my social and birthday address which they agreed did not match my true identity and all agreed to delete all accounts from my credit reports permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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:
15 USC 1681c-2 BLOCK AND DELETE. NOTICE FTC IDENTITY THEFT REPORT - Proof of identity - Copy of Credit Report - FairCredit ReportingAct Section 605B WERE ALREADY SENT TO XXXX / XXXX XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX Account # XXXX My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

I need your help to have this item removed from my credit report as soon as possible, please. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX has violated my rights. 

15U.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. 

Also I contacted the debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts According to 15 U.S Code 1681i ( 5 ) the above accounts are in violation.

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 2022-06-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted the chase executive office multiple times to provide information from the merchant admitting they found the product I never received that they ignored my attempts to contact them and provide the information so they wouldn't have to provide a refund. They initially ignored information to help me prove my case to save money. They are participating in fraudulent behaviors alongside merchants and I have the correspondence to prove it, The merchant contacted me on XX/XX/XXXX and admitted to never providing my product. U contacted chase executive office four times on XX/XX/XXXX twice o XX/XX/XXXX, I can provide a screen recording from the voicemail of the merchant. I've attached a recording showing the merchants number, when they called, as well as the direct contents of the voicemail admitting they never provided the item. I contacted the merchant on XX/XX/XXXX, and twice on XX/XX/XXXX requesting my refund prior to contacting the executive office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE RECENTLY BEEN DENIED CREDIT ON SEVERAL OCCASIONS BECAUSE XXXX IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. I HAVE TRIED TO DISPUTE THIS INACCURATE INFORMATION WITH XXXX. XXXX HAS REFUSED TO CORRECT THIS INACCURACY. I HAVE SENT A DIRECT LETTER OF DISPUTE BY CERTIFIED MAIL WITH SIGNATURE DELIVERY ACCEPTANCE TO THE FURNISHER OF THIS DATA SINCE XX/XX/XXXX WHICH I HAVE ATTACHED TO THIS COMPLAINT AND THE FURNISHER OF THIS DATA HAS REFUSED TO RESPOND TO MY DISPUTE. XXXX IS VIOLATING MY RIGHTS BECAUSE THEY SEE ME AS THE SMALL GUY TO BULLY. 

XXXX XXXX XXXXF XXXX XXXX XXXX : XXXX BALANCE : {$7700.00} - - - XXXX XXXX XXXX XXXX XXXX CT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type CHILD SUPPORT Date Updated XX/XX/XXXX Payment Received {$0.00} Pay Status >Account 120 Days Past Due Date< Terms Paid Monthly High Balance ( Hist. ) High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX THIS INNACURATE INFORMATION NEEDS TO BE DELETED.

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 2022-06-28
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have multiple accounts with Chase. Recently I closed an account because of an issue with a vendor that continued to charge an account once service had been cancelled. However, Chase is not giving me access to the transactions or statements. They state that they no longer have to provide that information to customers once an account is closed. However, it was closed on XX/XX/2022 and this information is required for tax, financial, and other regulatory filings. A bank can not refuse to release customer financial statements or details to a customer upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The following accounts have violated my rights : XXXX Account-XXXX  XXXX XXXX XXXX- Account # XXXX XXXX- Account # XXXX I. XXXX XXXX, XXXX- Account # XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 states that a consumer reporting agency can not furnish an account with 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 2022-06-28
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Early Warning Services, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was scammed. I was tricked by somebody on XXXX to send money through fake zelle emails sent to me on XX/XX/2022. I was selling my baby bassinet on XXXX and somebody reached out to me to buy it but sent the money through Zelle business account. I received an email claiming that in order to receive the money I had to raise my limit because it wasnt a business account so they had me ask the client to send me {$300.00} and me refund it back. Client didnt send proof of payment but I had to send it back to even when my bank was at {$0.00} balance. It went through the bank and I went to XXXX. Then I got an email that somehow I had to make q business account to get the full amount back and send another {$500.00} and thats where I drew the line and didnt send it. I realized I was scammed and contacted zelle through their app as a complaint then called them. They told me they couldnt help because the transaction was authorized so I contacted the bank and they said the same thing but theyd file a dispute to try and help. But it takes time for that to go through and now Im sitting with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Professional Finance Company, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Its worth XXXX XXXX XXXX I called them they said they dont have an account with my name I keep disputing it but you guys keep leaving it on there its called XXXX XXXX XXXX my name is XXXX XXXX XXXX second please take it off

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Capital Accounts, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
A balance in the amount of {$67.00} was paid to   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX , MD  XXXX  ; telephone  XXXX  on  XXXX . Unknowingly, I was unfamiliar with the balance until I requested a copy of my credit file from  XXXX ,  XXXX  and  XXXX . I contact  XXXX   XXXX  's office and they stated they had mailed me an invoice with a {$67.00} balance several years ago. However, I never received the invoice due to moving from   XXXX   XXXX   to   XXXX   XXXX  . A change of address form was submitted in   XXXX  , however, I never received the invoice.   XXXX   XXXX   XXXX   XXXX   office submitted the payment to a collection agency,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , TN  XXXX  ; telephone   XXXX   XXXX   XXXX   XXXX   Capital Accounts stated the balance is {$87.00}, which I am disputing. Attached is a payment receipt from  XXXX   XXXX  's office disputing the {$87.00}.  XXXX   XXXX  's office stated they contacted Capital Accounts to let them know the payment was made, however,  XXXX   XXXX   XXXX   XXXX  refuse to update the payment as being paid, which I have also been disputing the fact payment was made with Equifax and they refuse to delete the unpaid balance off of my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation