BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
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:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please withdraw the following items in my file : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX date XX/XX/2022 o XXXX XXXX Inquiry XX/XX/2022 o XXXX Inquiry Date XX/XX/2022 o XXXX XXXX Inquiry Date XX/XX/2022 o XXXX XXXX Inquiry Date XX/XX/2022

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 2017-09-26
Company: Capital Accounts, LLC
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They have called on multiple occasions. I tell them I do not want them to contact me anymore and I am going to press harassment charges and them tell me they will continue to call me and thwy will disconnect the call. They also will call and if I do not tell them my name they will not tell me what company they are calling from and disconnect the call. They are always very rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX my son went to CVS to wire {$250.00} to me. He went to the Kiosk machine and put the correct information where the money was going, my full name city and state. He then put his information. He was then instructed by the machine to go ahead to the cashier. Upon going to the cashier telling her what he was doing, she then called him by name and asked for his identification and funds, he gave her both, she then gave him a receipt, he left contacted me with the reference number, however I did n't go that day I went on the XX/XX/XXXX which is when I found out the money was n't there. I called my son and told him to go back to CVS he did, the cashier was n't at work he asked for the supervisor all while I 'm on the phone and explained what happened. The supervisor said it 's nothing he can do. So I called CVS on XX/XX/XXXX found out the supervisor name and the cashier name and explained it to the supervisor. He then told me she had been suspended for her mistake and that if it was $ 10- {$20.00} he would 've just written her up, but that a {$250.00} mistake was unacceptable, but that he nor CVS can refund me my money because they are a third party and that I 'd have to contact Money gram. He notice the mistake and admitted the cashier was wrong. And that somehow a another customer was in there earlier sending a money gram and that the cashier pulled his information. This customer lives in the same city, state and have the same zip code and the same first name as my son and lives about a mile away from us. My money was sent to XXXX. I contacted Moneygram and was given the run around for days, then was given almost 10 different numbers and people to contact at no prevail. Please help me it 's been a year. I 'm hurt and devastated about how this company has treated me so unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 unconfirmed account listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX : {$0.00}

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 2017-08-18
Company: COAST PROFESSIONAL INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am currently in student loan rehabilitation program, and have made2 payments in XXXX, and1 payment for each month there-after, for a total of 6 on-time payments. According to my calculations I have no more than 4 more payments left to fulfill my student loan rehabilitation agreement. In XXXX  I had an income change, from $XXXX per year to $XXXX per year. I contacted both US Dept of Education, and Coast Professional Inc, the servicer of my loan, and was told to complete a new financial disclosure form. I submitted all documents asked for. I recieved a new payment amount of 5 times higher than previous amount and was told that all previous payments I have made are now NULL and VOID and that my repayment schedule would start ALL OVER AGAIN for another 9 month period> When I spoke to manager XXXX XXXX I told him that even the contract they sent me clearly states PAYMENTS BEGINNING- X/2017. I believe this is ILLEGAL,and I can find no legal written documentation to support what they are trying to do.1) my payment amount increased almost 5X from $XXXX  to $XXXXeven though my income only increased $XXXX per year2) they are trying to start my contract all over again, despite the fact I have already made 6 payments, and only have 4 more left.The contract sent to me also READS "PAYMENT PERIOD FROM X/17" This is a breach of contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TX
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 have been listed as pontentially impacted by the Equifax security breach where they were hacked and private information has been leaked. I do not take kindly to my information being leaked or possibly leaked. It 's completely unprofessional to have weak security with regard to such vital information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Chime Financial Inc
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2022 an unauthorized transaction was charged to my account. I filed a dispute, and within hours Chime denied my dispute stating they see no error in the transaction. I requested documentation they used to determine their decision. They sent me screenshots of questions I answered regarding my dispute, but nothing showing what information confirmed I made the purchase. I requested to reopen my case. Chime stated I would need different back up to reopen my case. I reached out to the merchant, XXXX, and explained my situation. They confirmed with me that they showed no purchases made by me, and that Chime has not reached out to them. They provided me with a case number and advised me to give it to Chime so they can confirm I did not authorize any transactions. I gave the information to Chime and within hours they rejected my dispute claiming I did not provide different back up to support my claim. I reached out to Chime via phone and was told the same thing. The information I provided was not different and they would not continue forward with my dispute. I asked why no one at Chime is reaching out to XXXX. I explained that I'd spoken to them, and they confirmed it's an unauthorized transaction, and that they're waiting for Chime to reach out to them so they can provide Chime with this information. I was told all he could do was add these details to the notes on my account because I have not provided Chime with different back up for my dispute. I reached back out to XXXX. They again stated no one from Chime has contacted them. I received transcript stating no purchases by me show in their system. I reached out again and received transcript verifying the exact dollar amount and that nothing for that amount has ever been made by my. I gave this information to Chime and within a few hours they again denied my dispute. And stated I did not provide any different information. I called again and asked to speak to whoever handles disputes. I was told I can't speak to them because they are only reachable by email. I asked Chime to please reach out to XXXX so they can confirm the charge was not authorized by me but they continue to close my case without researching the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: U.S. BANCORP
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice in the mail offering to settle on a debt and that failure to do so would result in account being sent to a 3rd party collection agency ( the letter came from a 3rd party collection agency ). I called to ask what this was about and was told it was for a debt that happened in XXXX. I told her this was paid in full a long time ago ( in XXXX ) and asked her why I was just being notified about this. She asked if I had a receipt I told her no its been XXXX  years since I paid this, she told me without proof this was a valid debt so I must have paid some thing else. I told her I disputed this as has been paid and I would not be paying it and she told me thats fine her client told her to move forward with a judgement. So even if this had not been paid ( which it has ) this debt is XXXX  years old why are they threatening to file a lawsuit on me? Also I know it was paid as I had to pay it in order to get it removed from XXXX XXXXnd I was unable to get a bank account until it was paid. It was also taken off my credit report when I paid it.

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 2018-06-02
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Based on their random credit score check, XXXX XXXX   reviewed my account and received a letter dated XX/XX/2018, pulled my credit score and determined that my account is closed immediately.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXXXXXX {$20000.00} ; XXXX XXXX CO XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$380.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, VA 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 2021-12-25
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
I have completed the agreement with this company and they still have deleted the collection account on my credit report, as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have wrote a letter datedXX/XX/XXXX to inquiry about the late fee balance of {$930.00} that 21st Mortgage Corporation show on monthly statement. I've received a respond letter dated XX/XX/XXXXstating the late fee balance is correct and provide a payment history without giving the specific date ( s ) how the late fee ( s ) applied. I've responded with a letter dated XX/XX/XXXX requesting for specific date ( s ) of how the late fee accumulate and how they came up with the late fee balance.

It seems like 21st Mortgage Corporation wants you to do your own investigation and figure out how the late fee came about. I guess they do not believe in Customer Service and servicing their customers when that they have questions on their accounts.

21st Mortgage Corporation has been very difficult to work with and they seem not willing to work with consumer to get their answer resolved. I'd greatly appreciate if  someone from your agency can assist in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: OR
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:
Experian refuses to do a proper investigation about an erroneously reporting account on my consumer report, and they will not remove this account even though it is clearly reporting inaccurate information. I have disputed this account on or about XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After each dispute, they just changed some alleged late payment dates around, and changed the Closing Date on the account. Literately, they changed this account 5 times, and after each time, they claimed it was accurate. I even asked for their " method of verification, '' as is my right according to the FCRA, but they basically ignored my request, and just responded with the generic " This account has been verified as accurate '' response they always give. Also, In regards to another erroneously reporting account I filed complaints against them for, they refused to remove the previous accounts as well, and have the unmitigated audacity, to respond with a lecture about using, " credit repair services ''. Yes, they actually said that Credit Repair services can not do anything for me that I can not do for my self! Basically implying that I am not the person sending these disputes, and this complaint as well of my own accord. These consumer reporting agencies are out of control. This account in question, needs to me removed, immediately. These errors are costing me money, lowering my credit score, and Experian could care less.

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 2017-08-18
Company: Experian Information Solutions Inc.
State: AZ
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 a follow-up on complaint XXXX regarding the closing of complaint and cfpb did n't even look into the matter regarding XXXX billing dispute and false statements report to credit bureaus and to CFPB. XXXX stated to CFPB THAT my XXXX account was sold to XXXX On XX/XX/XXXX they also sent me a letter from XXXX XXXX XX/XX/XXXX stating the same false statement and violated FCRA When they submitted false statements to Experian stating that the XXXX account could not have been sold to XXXX in XX/XX/XXXX cause on my Experian report XXXX XX/XX/XXXX the XXXX account was not even opened until XX/XX/XXXX and closed in XX/XX/XXXX. Also I sent XXXX XXXX XXXX an email with my meeting with the branch manager on XX/XX/XXXX where I clearly told him to close all my accounts. So they are reporting false statements about the XXXX card XXXX XXXX sent me a letter dated XX/XX/XXXX saying that they found no evidence of me closing the account with the branch manager and he States please be advised that the account is closed XX/XX/XXXX but I did not close the account on that date but they reported it to Experian that the account was closed at consumer request but it does n't show the account is closed it shows 150 days late payments and false credit limit of {$500.00} when it was {$4000.00}. They said my mother was added as a authorized user XX/XX/XXXX which is completely false and my mother was not even on my account. I was a authorized user on my Mother 's XXXX XXXX XXXX but they closed that a month after she XXXX they reported it for 3 years to the credit bureaus but they stopped reporting that account. They also state she was removed from the XXXX card on XX/XX/XXXX which is completely False statement my mother XXXX XXXX  XX/XX/XXXX why did n't I have her removed then Ask them for documents I sent to XXXX where I closed the account where I removed my mother from my XXXX card and if they ca n't prove what they are reporting to you and the credit bureaus with letters I sent to them on the date they claim these events took place with my signature and date then they are knowingly violating the FCRA and I am a XXXX veteran and probably violated the American with XXXX XXXX also. They have sent different letters with different facts that are completely false and they know it

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 2017-08-18
Company: NRA Group, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company ( XXXX XXXX XXXX XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$660.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt. Furthermore, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX does not have a license, bond, certificate of authority to collect in the state of Arizona.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-02-04
Company: EQUIFAX, INC.
State: MO
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 checked my credit report and noticed I had unauthorized fraudulent inquiries. I sent letters to Equifax and XXXX with a FTC report attached but they did not remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: TMX Finance LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
My XXXX XXXX was opened around XXXX of XXXX. I had a loss of employment therefore causing financial hardship on me. The lender TitleMax of Missouri repoed my car on XXXX XXXX XXXX. I have tried to work with TitleMax but they just dont want to work with me or understand my issues. I always get a different representative on the phone saying different things. I also offered to give them {$300.00} dollars this month and they said it was too late. This Company has several bad reviews so therefore I 'm also filing complaints with other state and Federal agencies.

Company response to consumer: Closed with explanation