BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-19
Company: WESTERN UNION COMPANY, THE
State: LA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was sent a check in the mail to get cashed to pay bills for someone. The check was accepted through my bank til 3 days later it came back as a fraud check. I did not realized that the check was a fraud check until after I withdrawal the money and sent it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This company has continued to call after being sent written cease of communication notice. They have also not responded to my request to validate the debt and provide proof that this debt belongs to me and that they have the authority to collect and that the statue of limitations has not expired. 

They call multiple times per day on my house line and on my cell phone. They call at XXXX exactly every morning disturbing my sleep. 

This debt has been passed through XXXX collection agencies in the past 2 years. Not a single one has provided proof that the debt is owed by me or my husband. I 'm tired of being harassed by this companies and I 'm not going to put up with it anymore. 

We only just got a notice from the last company handling this " debt '' that they would no longer pursue collection yet we started to receive phone calls from this company the very next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
After almost 3 years of sending money to my in-laws through western union I am now being denied access to the service without explanation. Since XXXX Western Union will not allow me to send money any longer. I have contacted them several times and they say they are not allowed to tell me why my account has been closed, why my receipt history been deleted, or why I am no longer allowed to send money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
yesterday i received an alert that I had XXXX. I called the number that was attached to the alert and the number is not in service. I XXXX the company and tried to call the customer service number but i was unable to get a representative since the only way to speak to someone was to put in an account number. I called trans union and asked to speak with a special fraud agent in the united states. the representative refused to transfer me and refused to put a temp lock on my account since i did not request this loan. I called multiple times to request this and each time i was told the same thing. one Representative even became belligerent and told me that i should file a complaint because they had verified the account ( while i was speaking to him no 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 2015-07-21
Company: Coastline Financial Resources, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Coastline and Associates called me on my work phone to tell me they are going to serve because I am being sue for a credit card I owe back in 2007. The guy was mean, rude and threatening to garnish 25 % of my pay. Their number is XXXX. I was upset that they were threatening to come to my work let alone call my work phone. I told the gentleman I have to look into it. He got upset saying I need to pay the amount now or they will start working on garnishing my wage. This is not legal by any means. So I hung up on him. He then proceed to call me 5 times from an unknown number. Please help me stop them from harassing me at work. This is not right.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed bankruptcy XX/XX/XXXX and several debts that were discharged now show they were " charged off '' after the bankruptcy. My disputes for each account to the XXXX XXXX XXXX XXXX credit reporting agencies as well as attempts to resolve directly with the creditors have failed. Each agency and creditor refuse to correct the information and cite that it is " accurate ''. These accounts were not charged off prior to my bankruptcy. They began reporting a charge off after my bankruptcy. This results in each of the accounts being identified as derogatory with a charge off after my bankruptcy. This is a significant factor for lenders who review my credit report because they see accounts " charged off '' after bankruptcy which is misleading as to my credit worthiness. It is my understanding that the creditors may charge off an account after bankruptcy for their internal accounting purpose, but reporting a charge off after bankruptcy is a violation of credit reporting and bankruptcy statutes. I have sent correspondence multiple times, return receipt requested, with specific information that should be corrected. It remains in error and at this point they refuse to further investigate despite my repeated attempts. The credit agencies and creditors have also ignored my requests to provide their methods of verification after my disputes under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) ; it is my position that neither are unable to provide a method of verification because they are unable to do so. I have repeated the process of dispute when these charge off were reported after bankruptcy for each creditor that is reporting a charge off. Some are not only reporting a charge off after bankruptcy, they changed payment history to reflect a charge off prior to bankruptcy which is untrue. Prior credit reports show that the accounts were not charge off prior to bankruptcy. The credits retroactively changed payment history to charge off after bankruptcy. The creditors who are engaging in these actions XXXX. For example, all of these creditors are reporting that the account was charged off in XX/XX/XXXX -- -after bankruptcy. XXXX specifically retroactively entered charge offs prior to bankruptcy when accounts were not in charge off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I received a credit card thru XXXX, and transferred a balance from a XXXX XXXX account to the new XXXX card. However, in my EquiFax credit report, they show the new XXXX balanxe, but did not deduct the transfer amount from my XXXX XXXX account. So it appears as though I owe apx {$3800.00} more than I actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
DEPT OF YOUTH SERV XXXX MA. THIS WAS XX/XX/XXXXMORE RECENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MA. 

XXXX XXXX XXXX, MA XXXX WAS NEVER MY ADDRESSXXXX XXXX XXXX XXXX XXXX, MA XXXX WAS MY MOTHERS XXXX UNTIL SHE PASSED 5 YEARS AGO, I NEVER LIVED THERE? 

PLEASE CORRECT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am a victim of identity theft. Apparently on XXXX XXXX, XXXX an account was opened in my name with XXXX on the XXXX XXXX of FL where we have never lived ( as per XXXX XXXX, of XXXX., the collection agency XXXX ). I filed a notarized " Identity Theft Victim 's Complaint and Affidavit '' on XXXX/XXXX/XXXX and took it to the XXXX XXXX Police where it was filed by Officer XXXX XXXX with case # XXXX and received a confirmation letter back from XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX ( XXXX phone number XXXX ). Both XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX ) have deleted this false information. My complaint is with Equifax. It is impossible to contact them without a confirmation number that they never supplied ( only a file number XXXX, XXXX XXXX, XXXX XXXX which they wo n't accept. Their online email dispute resolution form, which does not require the confirmation number, is driving me nuts. I 've filled it out three times with all the requested information but when I press Send I get the frustrating and disgusting message back " server Equifax.ai.com '' can not be found. Please help and report how this XXXX agency is absolutely miserable. They should have their license revoked!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I attempted to request a copy of my credit report through Equifax about a month ago. They got all my information and my older brother mixed where all of his and my stuff are showing up together eventhough the name, social security, and date of birth are all different. I spent over an hour on the phone with a manager by the name of XXXX, who promised to get it all corrected and will call me back in 24 hours. I never heard back and got busy with work. Today I get a notification that a negative trade line that belong to my brother got updated on my credit report. When i called again to attempt to get this resolved and almost an hour on the phone, i get told there was nothing they can do and i have to write to their dispute department. I am not an expert at the FCRA, but from my basic elementary understaning there are multiple violations that have been commited by the CRA and there has to be something that needs to be done. This is creating so much damages, emotional and material and preventing me to accomplish what i need. This is completely aheme that an organization as big as Equifax, specializing in accurately reporting information, ca n't seem to comply with simple basic law requirement. How many other people i wonder are having similar issues and simply dont know what to do or where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
1.My credit report has a record of many accounts which has been paid and closed long time ago by credit card consolidation company2.Judgment record- account paid off3. My student loan was cancelled do to permanent XXXX. 
4. I have only XXXX credit cardI have nothing else on my recordPlease remove all bad recordThanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed XXXX accounts on my credit reports twice and Equifax has stated that they have verified the account with the vendors and it came back as verified. I personally called the vendor today and was told the company that they do not service student loans and are n't reporting any information to any credit bureau. Equifax has told me twice on XXXX separate occasions that they have verified the information on my credit report which is a lie. The companies in question are XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 inquiries I do not recognize by these companies on the dates as follows : XXXX XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/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 2015-11-11
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit report is absolutely perfect, other than this error, showing a 30 day past due payment on a XXXX XXXX card through XXXX XXXX. I am not a slow payer or having financial difficulties. There was an issue with my checking account, where the bank mis-posted a cash deposit to the wrong checking account. This caused my XXXX XXXX payment to bounce and I went past due because they had the wrong phone number on file for me and could not reach me. Since I live in the XXXX, I only get my mail weeks later. When I found out about the issue, I immediately made payment and advised XXXX XXXX of the bank issue. I disputed this with XXXX XXXX and they refused to fix it. I had my bank send them a letter explain that it was not my fault. I thought that with this letter XXXX XXXX would have cleared up the matter, but I just pulled my report and it is still on there. When I called XXXX XXXX they said that even though I attempted to and had all intentions of paying and was victim of a bank error, they will not correct my credit bureau. I am not asking anyone to fix something that was my fault. If XXXX bank causes an issue, that should count. They claim they are not permitted to change the reporting unless it was their error. I just do n't believe that is a fair practice and I suspect that is not a rule they apply consistently because others, report on line that having proof of a bank error should and does result in the credit bureau being corrected. I do n't know what to do next, but try this route in hopes that you agree that I am not being treated fairly. I do n't have documents available to me, because I am in the XXXX and my paperwork is in the XXXX. I will be visiting in the next few months and can get the docs out of storage if needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian has not responded properly to my demand letter, I am not asking for verification thru your automated process, I am lawfully demanding PHYSICAL PROOF, completeness of record for the accounts I listed in the attached letter. 

In the court of law we will need to prove a record to it 's fullness as being COMPLETE. This is what I am requesting and that the accounts which are damaging my reputation be removed until or unless there is a complete record for the accounts mailed to me. 

Your negligence to remove these accounts pending your investigation will result in civil action. 

I thank you for your time and consideration.

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 2016-10-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A collection item showed up on my Experian and XXXX credit reports. I already filed a complaint with regards to the XXXX report. CFPB people asked me to file another complaint regarding the Experian report. The item on the credit report is called " XXXX XXXX XXXX '' I have never done business with this organization and I am not aware of any debt to them, or to any past-due debt at all on my credit report.

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 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
After being in deferment for quite awhile, because of trying to pay off my wife 's student loans, I have started the process of trying to stay up on payments to Navient. I was on the Income Based Repayment plan and at one point was paying XXXX when they were still XXXX. Since transferring over to Navient I went into deferment again, for a year. I am currently trying to get back on a payment plan but my IBR payment is an unmanageable XXXX+ dollars. I then had to search for a another payment plan ( which seemed very difficult to find ) called the Income sensitive plan. I submitted paperwork that they seemed to drop the ball on and when I called later about the paperwork, they quickly told me that if I made any kind of a payment that day then I would automatically be enrolled in the ISB plan. I gave my information over the phone and seemed to get disconnected. They never called back and never took out the money. There was no phone call back and as a result I kept getting notices about my late payments under the XXXX+ IBR plan. I called them back to see what had happened ( about a week and a half later ) and they could n't remember my paperwork until I told them the dates it was submitted. They then told me that the person I spoke to who told me to pay any amount of money so I could get in was mistaken and that I would have to make a full payment of my original loan payment amount ( which is XXXX+ ) dollars and that I would automatically be enrolled in the ISB repayment plan that day. I told them that I could n't make the payment that day and would try to get that money together. If I ca n't make a XXXX+ payment then I know I ca n't make a XXXX+ payment without severely crippling my monthly income. I have XXXX daughters ( XXXX in college ) and it just seems that there can be something else done that 's easier and does n't require a huge down payment. It was n't that difficult to get into a payment plan before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX has reported a loan account to experian credit agency after several attempts of me reporting that this account was initially opened by my father who I share my name with. I recently submitted a dispute through experian and was unsuccessful. I have contacted XXXX and they refuse to aid me with any actions. Thus account was reported even though our social securities are different. This is negatively affecting my credit and it is holding my possibility of buying a new home. This issue has been going on for years and I still have not been able to solve it. Any help would be greatly appreciated

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 2016-10-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid XXXX ( XXXX 's XXXX ) the balance of the account in the amount of {$880.00} on XXXX/XXXX/16. I showed proof with the receipt and the debt is still showing on all my credit reports. I called the office and was informed that the debt would be deleted but it is still showing charged off in the amount of {$1900.00} on my credit report. The debt was paid in full. The person who took my payment name is XXXX. Receipt number 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 2016-01-26
Company: Argon Credit
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Company " Argon '' refuses to update my information on website, refuses to state name via email but constantly request personal Identifying information, plays games like sends me emails regarding programs but removes and or no longer offers programs 3 days later, refuses to forward me to upper management, headquarters, ceo 's, XXXX, refuses to verify information regarding my account in writting, claims they do n't, refuses to fix my account allowing me to pay on time, instead, I cant pay online causing loan to be late, I wont call in because representatives are rude and I demand a receipt as well as confirmation in writting via email or mail, because of my previous experiences and my demands, argon associates, and representatives are ritaliating by not allowing me to pay online after I have sent proof of all violations/allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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