BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 i initiated a money transfer via Moneygrams app which I have done before to my father in the amount of {$2900.00}. We did not know my fathers account has a credit cap if {$2500.00} so his financial institution rejected the credit to his account twice ( verified with them ). I called moneygram to receive and refund and they have stated the past 5 times I have called that they are u able to process it and it will take up to 30 days HOLDING my {$2900.00} money in limbo ( making interest off it ) and not give me any information on such a straight forward refund. It would take their team a simple phone call to verify the bank rejected the money to be able to refund it back to me. I need that money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

The following accounts were not removed after the time frame required by law. 
See below. 

XXXX XXXX Account Number XXXX {$9300.00} XX/XX/2019 XXXX/XXXX   Account Number XXXX {$380.00} XX/XX/2019 XXXX/XXXX {$100.00} XX/XX/2019 XXXX XXXX Account Number XXXX {$40000.00} XX/XX/2019 XXXX Account Number XXXX {$4400.00} XX/XX/2019

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 2022-07-26
Company: Experian Information Solutions Inc.
State: NC
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 been submitting letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXX  XXXX Balance : {$480.00}

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 2016-01-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have filed a dispute with Experian regarding public records that were a result of fraud. I am a victim of Identity Theft where I have been defamed and taken advantage of illegally. Experian is legally obligated to remove negative information from my credit report as per the Fair Credit Reporting Act once a consumer supplies them with proof of identity theft. I have supplied Experian with an official notarized police report, FTC Identity Theft Affidavit and other documentation as proof to remove fraudulent inaccurate public records from my credit reports.

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 2015-08-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have recieved XXXX calls XXXX on XX/XX/XXXX and XX/XX/XXXX ) from a XXXX XXXX with XXXX XXXX XXXX ( XXXX ) saying that she is coming to my home or place of employment to serve me legal documents for a debt unless i contact them. I called them back on XX/XX/XXXX to get more information and was told that I owe {$520.00} from Ace Cash Express for a loan that I took out XX/XX/XXXX. They said that I took out a loan and failed to pay the loan back. Therefore, they said that I wrote a bad check. 
They also have called family and friends telling them that I am in debt and they are filing a lawsuit against me and that they are coming to my house to file papers on me. This information is none of my family and friends concern. They should not be contacting them, telling them my person business. 

This loan was taken out over 4 years and i honestly do not remember the circumstances involving the loan, but I do know for a fact that at the time I took the loan out, my intention was to pay it back. 

I have the voicemail messages left by " XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. I was not 30 days late on XX/XX/20. Please eliminate this late payment on this account. I believe it is reported wrong. Please correct this issue XXXX XXXX XXXX Late Date XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citibank offered me another card with 0 % APR for 21 months on balance transfers and 12 months on purchases. I have an existing Citibank Card XXXX XXXX XXXX XXXX with a XXXX  balance and credit limit of {$13000.00}. The new card with the promotion only has a credit limit of {$1000.00}. I contacted Citibank to have them match the other card 's credit limit or move the promotion from card ending XXXX to card ending XXXX. They refused to do anything.

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 2016-10-10
Company: Aargon Agency, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I get repeated calls on my new XXXX XXXX number. Most are recorded so when I answer I ca n't speak with the caller.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-01-24
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
First, I would to express my thanks an appreciations to Ditech Financial, LLC, CFPB, the senator 's office, the court and law offices the lawyers that have work so hard and continue to work in my interest believing in the United States ' justice system because it works and it 's one of the best justice system in the world ( I can attest because even though I 'm denied a " QWR to H.A.R.P modification request, the judges that have looked at my case have a cursor on the broken statue relating to my QWR request, but yet find prudence to bring about closure around justice denied in my case ). 
My complaint is thus : When my H.A.R.P modification decision be reach. If Ditech Financial will begin requesting the very same document/s submitted to as XXXX out of the range of what the law permits as in the XXXX XX/XX/XXXX case when XXXX ( XXXX ) represented me for a modification. This time during a recorded conversation on XX/XX/XXXX, Ditech reported that a " QCD/DD '' was the only data needed to be submitted to complete my file ( " Your file was rejected by underwriting pending the document '', the representative reported. Once received, the file is completed for underwriting result. 
This concern is a proven fact that is conspicuous in my case-file ( a fact that the bank/s and its ' entity will request for a document, and when one follow-up, the finding will be that the data was not admit receipt ). The next instruction after a document/s follow-up -- is to resubmit same multiple time despite an admitted conformation of the document/s date, time and station receipt. 
At this stage in the modification process, I 'm advice to undergrid the bank/s deceptive strategies in the banks ' written rules employ outside of the law that works. The act of an ongoing request for document/s and multiple resubmit requests to delay the time -line to process and reach an intervention within the Federal regulation parameter that works needs attention. Underwriting is the resisting department of moral laws vs rapacious/predatory knack to continue the delay schemes with an ultimate end being the very foreclosure that was to be remedy. 
Attached, please find copies of communications between XXXX, the court and my lawyer/s which are self-explanatory that is already part of the record of this rapacious skills, which include but not limited to : 1. Listing of requested Data QCD/DD dated XX/XX/XXXX 2. Email : XXXX XXXX XXXX XXXX motion granted to request modification ( Result : H.A.R.P modification to no avail ) 3. XXXX - confirmation for modification, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Residential Credit Solutions, Inc.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
RE : Error in Evaluation of Loan Modification of Loan # XXXX am the homeowner at XXXX XXXX XXXX, XXXX XXXX, NY XXXX and RCS, the loan servicer, has made a patent error in the Loan Mitigation Application request of # XXXX by calculating the wrong monthly gross income as {$7000.00}. Because of this error RCS has rejected my Loan Mitigation Application. 

I am writing to rectify the error RCS has made and am appealing the basis of RCS ' decision. It seems that RCS has used outdated income information provided to XXXX XXXX XXXX back on XXXX/XXXX/2014 instead of using my current income. 

My correct current monthly income is $ XXXX. The basis of my correct income is attached. 

Kindly use the above to ask RCS to correct the error in the Loan Mitigation Application and reassess loan modification request based on my correct monthly income of $ XXXX/-Thank you. 

-- XXXX XXXX XXXX, XXXXcc : HAMP Solution Center, XXXXXXXXXXXX ( ID XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had an auto loan with Wells Fargo. In XX/XX/XXXX I started noticing that they reported that I was a payment behind on my auto loan for my XXXX XXXX XXXX. I called them because they went back and changed everything on my credit report showing I was a month behind. When I contacted them they said that I missed the XX/XX/XXXX payment. At that time I went to my bank and they pulled the check and gave me a copy of where the check was received and cashed by Wells Fargo on XX/XX/XXXX. I presented this information and then they said no, it was another payment. I got the next payment they said that I missed and sent them a copy of where the check was cashed by their institution. After going around in circles with them I submitted a complaint to XXXX. I think the guy 's name that was helping me at the time was XXXX. My complaint ID with them at that time was # XXXX. We eventually submitted payments for the entire history of the loan to Wells Fargo and their delinquencies were supposed to be removed from my credit reports as well as my co-signers credit reports. However when I went to review my credit report a few weeks ago, it was on there and this time they showed more delinquencies, even after I traded the car they showed that I missed payments. I officially signed docs on my new car XX/XX/XXXX to get away from this horrible company. They were even paid off by XXXX XXXX XXXX prior to that date. Please help me with this because Wells Fargo knows that they received every payment on time from me and it was proven. XXXX at the XXXX stated that Wells Fargo has a history of doing stuff like this. Every time we spoke to one person they would switch us to someone else. Then when we would call back they would say that person didn't work there anymore. XXXX even had this problem for a while.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX say that I owe money however. I have never done any business with them or anyone they may represent. The credit Breau never did a proper Investigation According to the FCRA The term investigative consumer report Means a consumer report or portion therefor in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. In addition this is not my collection. PLEASE FURNISH ME A BINDING CONTRACT BETWEEN ME AND THIS COMPANY Also, they have Violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my consumer report. 
The Credit Bureaus stated my accounts was properly investigated, How is that possible if the OPEN DATE, BALANCE, HIGH CREDIT, CREDIT LIMIT, PAST DUE, PAYMENT STATUS, LAST REPORTED, DATE LAST ACTIVE, DATE OF LAST PAYMENT is inaccurate. This is ground for REMOVAL/DELETION In addition, they also Violated my LAW because according To 15USC 1681 Section 602A States I have the right of Privacy 15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. 
Your information is incorrect.. 
PLEASE DELETE THIS FROM MY TRANSUNION CREDIT REPORT. 

I did not give anyone any written INSTRUCTION!!!! 
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 2019-12-31
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX STILL REPORTING A FAKE ACCOUNT THAT WAS FTC THEY NEED TO FIX THIS ASAP AND BBVA ALSO SENT FTC AND POLICE REPORT DO THEY NEED A BLOOD TEST ALSO??????

XXXX  XXXX AND XXXX 
XXXX XXXX XXXX , XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. The last one being sent to Transunion on XXXX XXXX, 2022 with complete attachments of my personal information including the Police Report. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the account as it is fraudulent & were opened without my consent or knowledge.. 

XXXXXXXX XXXX XXXXXXXX

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again.

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 2015-03-25
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card
Issue: APR or interest rate

Complaint:
My XXXX Extras Mastercard was maxed out and I was unable to make payments due to a short period of having little work being self employed at the time. ( Before this time I always made my payments on time and was able to get my card paid down ). I called XXXX and shut the card down at which point they lowered the interest rate so that I could get the card paid down. Everything was going well and after a period of time they sent me a letter saying that our payment agreement and interest agreement was up and that my interest rate would again rise to 18.24 percent. I have been calling to try and speak with someone about this but they just keep transferring me to another number where I go through the same thing. They are giving me the run around and avoiding speaking to me. They keep telling me they are sorry and will connect me to someone who can help and give me numbers to call but I can never get a hold of anyone that says they can help and the numbers they give me are just another number to the main automated payment number. At this rate I will never be able to pay this card off. Interest accounts for XXXX of my payments. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Choice Recovery, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy og my credit report. To my surprise, XXXX, XXXX, and XXXX are reporting accounts incorrectly. The collections accounts are not only reporting as open but, also shows past due balance. According to the FCRA, I have the right to an accurate credit report. INn accordance with the Fair Credit Reporting Act Choice Recovery Account number : XXXX and XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without written instructions.

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