BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I tried to log into my MoneyGram account : XXXX and was unable. I initiated a chat with a customer service representative and was told that my account was suspended due to suspicious fraud activity. I ask for it to be resolved but they refused. I then asked them to provide details about the fraud my account was flagged for and they refused to provide that information. I need you to get my account back up. I support a preacher in the XXXX  and this is the only way I can send money to him. My SSN ends in XXXX. My DOB is XX/XX/1954. You can reach me at ( XXXX ) XXXX XXXX EST. -- XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. 

The MoneyGram issue is : Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
These people continue to call me on a debt that I do n't think is mine. I do not believe that it is identity theft, I just believe that they put the wrong name on the wrong debt. They refuse to work with me on this. They say the only way it can not be mine is that if it was identity theft. I sent them a letter telling them that the information on the debt does not match up with mine except for the name. They tell me XXXX different times that they will send me a dispute packet without actually sending me a dispute packet. This last lady that called me, just like the XXXX other times before, called me like I had never disputed it until I say something. She was the rudest person that I have ever talked to about this issue. She blamed me and the post office for not receiving the dispute papers. Then I said that if I say I would pay it you would probably react a lot quicker. That is when she tried to convince me to give her my bank account information over the phone after negotiating a payment plan. When I said I am not going to give her my information over the phone she got real defensive and said " You know we will have the same information on a check, right '' like I was stupid. She then said that she was going to put down that I was no longer disputing but going to pay it and that is not what I said at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
I found out about a business credit card from Bank oF america was issued after i started getting emails about my payments being past due.

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 2019-12-20
Company: EQUIFAX, INC.
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:
Equifax; XXXX and XXXX are reporting incorrectly that I am (60) days late on the XXXX  – partial account number ****XXXX.  (Please see page attached from my credit report.)    When this loan was sold from XXXX XXXX, I was not notified in a timely manner and I would have to physically track down the new holder of the note and make sure the payments were being applied correctly to the new loan.  The law requires that “you be notified within (15) days of the sale of the mortgage and that you should receive two letters, one from your old lender and one from your new lender. These letters should provide you with all the information you will need to communicate with the new lender, including where and how to make your payments.”  Pursuant to the Real Estate Settlement and Procedures Act or (RESPA) – “If you have sent your payment to your old lender by mistake, RESPA protects you against penalties for a limited amount of time after the mortgage transfer.  After your mortgage is sold, there is a 60-day grace period during which the new lender cannot charge a late fee on payment, if you mistakenly sent that payment to the old lender. This two-month grace period “protects the borrower.  If you are late due to sending the payment to your old lender, the new lender may not report it to any credit agency. Your loan cannot be deemed delinquent during this grace period, either.”  The lates that are reporting are false.  I was never notified in a timely manner of the new lien holder and this account most certainly falls within the 60-day grace period wherein the lender cannot charge a late fee on payment.  I respectfully request that these late payments be removed.  This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report.  I have contacted the (3) bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on XX/XX/2022 at XXXX pm my receipt said available XX/XX/2022 at XXXX am on XX/XX/2022 at XXXX I received a email say it was an additional hold until XX/XX/2022 at XXXX so I called corporate off and informed them my mother was sick and needed some funds to get a bus ticket and hotel for two nights and they said theres nothing they can do for me my check was XXXX the bank acting manager told me she had the authority to release the funds but she was uncomfortable doing so and the bank said the federal reserve put the additional hold on my check and there was nothing anyone could do just keep check my account cause it can be released at any time

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 2015-05-30
Company: Harley Davidson Financial Services Inc
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We put a few notes to the back and they did n't tell us they were accruing interest, so when the time came that all our notes due were paid. We still owed XXXX dollars from interest on those payments. Even though we were paying all future notes on time for a period of about XXXX years. They kept reporting we were late paying and still had an outstanding balance. This interest that was gained on the post dated notes were going to cost us the XXXX plus interest while paying on that. We tried to get it straightened out but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
The following accounts are inaccurate and they are in violation of my rights according to the FCRA XXXX XXXX XXXX XXXX These credit bureaus XXXX EXPERIAN XXXX have failed to verify these accounts after disputing this issue with them directly.

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 2022-07-22
Company: EQUIFAX, 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:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given Equifax this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX; XXXX  and Transunion are reporting incorrectly that I am (60) days late on the XXXX  – partial account number ****XXXX.  (Please see page attached from my credit report.)    When this loan was sold from XXXX XXXX, I was not notified in a timely manner and I would have to physically track down the new holder of the note and make sure the payments were being applied correctly to the new loan.  The law requires that “you be notified within (15) days of the sale of the mortgage and that you should receive two letters, one from your old lender and one from your new lender. These letters should provide you with all the information you will need to communicate with the new lender, including where and how to make your payments.”  Pursuant to the Real Estate Settlement and Procedures Act or (RESPA) – “If you have sent your payment to your old lender by mistake, RESPA protects you against penalties for a limited amount of time after the mortgage transfer.  After your mortgage is sold, there is a 60-day grace period during which the new lender cannot charge a late fee on payment, if you mistakenly sent that payment to the old lender. This two-month grace period “protects the borrower.  If you are late due to sending the payment to your old lender, the new lender may not report it to any credit agency. Your loan cannot be deemed delinquent during this grace period, either.”  The lates that are reporting are false.  I was never notified in a timely manner of the new lien holder and this account most certainly falls within the 60-day grace period wherein the lender cannot charge a late fee on payment.  I respectfully request that these late payments be removed.  This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report.  I have contacted the (3) bureaus to remove these however, I have not been successful.

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 2017-08-29
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: Account status incorrect

Complaint:
PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED TO REMOVE THE LATE CHARGES AND NEGATIVE MARK FORM MY CREDIT REPORT SINCE I WAS A XXXX XXXX AT THAT TIME AND FOR SOME REASON IT WAS NOT PAID ONETIME. PLEASE HAVE THIS REMOVED FROM M Y CREDIT AND ALL THREE BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Paypal recently gave me a credit line of, I believe, {$600.00}. I have no intention of using it, but I suppose it 's okay to have. 

I recently ordered tea online for {$16.00}. I knew that I had a balance -- I even checked it -- of {$17.00}, not credit but actual funds I had leftover for some reason and so I used my Paypal account to pay for the order. 

More recently a friend paid me back for dinner and drinks a week or so ago. In attempting to send them a request for the money, to make things easier, I noticed that I had a " payment '' due for the online tea purchase. I was annoyed that the {$17.00} balance had n't been used. Instead, Paypal chose to apply their credit line to the order, something I was never asked about or approved. 

Now, I 've apparently missed the due date for the {$16.00} payment and I see that they 've added an additional {$16.00} " late fee. '' I received no paper statement, no email statement and no text message alerting me to the supposed due date and therefore missed it. When I had noticed it I made a mental note to address it but I apparently waited too long. 

Now, in attempting to call the bank that supposedly handles the credit line, because it is n't Paypal proper, I get a run around as a recorded voice verified that I was human with two super basic questions and then informed me that I could call back in 24 hours. I then attempted to call Paypal only to be told that " the current wait time is ... one hour and four minutes. '' This is another predatory bank stealing " late fees. '' I intend to contact a human operator, have them rescind the charge and then close out my credit line and Paypal card. I do n't need this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 XXXX account # XXXX, XXXX  account # 's XXXX and XXXX, XXXX 's account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX XXXX account XXXX XXXX XXXX have violated my rights. 

15. U.S.C 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 602A, Section 2. It also states a consumer reporting agency can not furnish my 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 2019-12-20
Company: AMERICAN EXPRESS COMPANY
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Beginning XXXX I was unable to access any information regarding my account which has over {$12000.00} in it. Customer service number was inoperable and the website was non-functioning. They mobile application stated that it was offline for maintenance, their website stated that it was offline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Capital One is reporting a charged off listing on my credit reports. This entry is because of fraud. I contacted Capital One of the unauthorized charges and requested that they send me a fraud package to complete. They have yet to send it and it 's been almost 2 months. I 've the debt with the credit bureaus but Capital One continues to report the damaging listing. Make note of this formal complaint and help me to resolve it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am writing this letter to request that you remove the following accounts listed below due to multiple late payments and inaccurate information reported, Ive disputed these accounts several times in addition to filing a complaint with the Cfpb and the incorrect information constantly came back as verified which is a clear violation of my rights and has had a detrimental impact on my credit score, significantly decreasing my chances of being approved for homes and credit. I request these accounts be deleted within four days of receiving this per 15 U.S.C 1681 c-2. Ive disputed these accounts several times, and they continually came back as verified with inaccurate information, violating 15 U.S.C 1681i.

15 U.S.C section 6801 without written consent from the consumer, I never consented to my account being furnished The late payments reported in this account are a clear violation of 15 U.S.C 1666B XXXX  XXXX : This account is reporting a date opened on XX/XX/XXXX, but reporting date opened on XXXX as XX/XX/XXXX ; in addition, Transunion is also reporting a high credit on a closed account ; for {$340.00}, while XXXX is reporting a {$0.00} high credit. 

Open Sky : This account reported the date opened as XX/XX/XXXX but XXXX reported the date opened as XX/XX/XXXX ; Transunion also reported a high credit of {$390.00} on a closed account while XXXX is reporting {$0.00}. Last Transunion is reporting the date last active as XX/XX/XXXX but XXXX is reporting a date last active as XXXX XXXX XXXX : This account is reporting the date opened as XXXX XXXX while the XXXX and XXXX reported XXXX date opened as XXXX XXXX. TransUnion is also reporting a high credit on a closed account in the amount of {$480.00} ; while XXXX and XXXX are reporting a high credit amount of {$0.00}. Transunion also reported the date last active as XX/XX/XXXX while XXXX reported the date last active as XX/XX/XXXX TransUnion is also reporting an incorrect address XXXX XXXX XXXX which was the result of fraudulent activity and was supposed to be removed. As well as the employment XXXX which I have no knowledge of. 

And inquiries in which I have no knowledge of XXXX XXXX XXXXXXXX XXXX XXXX Please delete these accounts and update my report in addition to the last few creditors who checked my score.

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 2016-03-25
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company will not assist me on logging onto my account, to make payments ect. Every time I make a payment I HAVE to call them and make a payment over the phone, which costs {$12.00} additional each month. I am also very concerned that I am being gouged with my homeowners Insurance, once again all I get is the run around. My Loan company is Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
In XXXX 2015, Capital One restricted my credit card account without any notice. I called Capital One multiple times but even their fraud agents could not open my account and see the details. I was told that my account was restricted by " XXXX '' of the legal but no other details. They said the account was completely restricted and I could not even make a payment because of the restriction. The " XXXX '' never contacted me and let me know the reasons. 
There were NO Capital One notices in any form to me to notify me that my account was restricted and for what reasons. 
Now my account was pass-due because I could not see the account details and could not make a payment because of the restriction. My credit was seriously impacted and I had credit limit decreases from other credit card companies. I lost XXXX on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Crosstown Law, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX XXXX is sending me collection notices on XXXX accounts. I am currently and actively being pursued by XXXX XXXX XXXX on XXXX of these same accounts ( these XXXX originated as XXXX Credit cards and they were mine ). The XXXX account they say originated with XXXX. 
I called XXXX to verify the debts and amounts and was told that XXXX now owned the debt. I have sent a written request to XXXX with a copy of the XXXX letter asking if they have sold the debt to XXXX. They respond they still own the debt, but wo n't provide me with further information. 
I have no recollection of a XXXX account. I called XXXX Credit cards and they researched my social security number and found no accounts with them. The XXXX Chase Cards appear correctly on my credit report as charged off, but there is no record of any XXXX chargeoff until XXXX starting reporting it. 
I have contacted XXXX repeatedly ( including certified mail ) asking them to verify the original accounts, current calculations, date of last payment, and proof of their ownership. 
Instead I get a letter from " Crosstown Law Firm '' with none of the information requested, which I am entitled to by law. Furthermore, the letter gave me 5 days to respond ( letter came 20 days later ) or I was validating the debts -- also illegal. 
The amounts they are reporting are not correct on the XXXX XXXX accounts, and the XXXX is crazy ( {$61000.00} )! 
The person signing the letter, XXXX XXXX, is not licensed as a lawyer in MN, though the letter gives the impression she is a lawyer. 
They have re-aged the XXXX debt incorrectly ( and added them together a couple of times ). This debt went into arrears in XXXX 2009, and they are reporting last activity as of when XXXX charged off the accounts and sold to XXXX. 
I believe these actions by XXXX are completely fraudulent. They respond to my requests with threatening letters and are still reporting incorrectly on my credit report. 
I had credit issues years ago, as the result of unemployment. We are now getting back on our feet and trying to fix stuff, but I believe XXXX XXXX is praying on me and does not own the XXXX debts, and the XXXX account is a fabrication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions 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:
My name is XXXX XXXX. I have inaccurate information reporting on my consumer report which is NOT in compliance with the FCRA.

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