BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-23
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent {$100000.00} to my brother in-law ( XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX through Moneygram, He went to XXXX XXXX in XXXX XXXX XXXX to crollect the money ( {$1000.00} XXXX, after filling the require form, he was told at the XXXX XXXX that their payout limit is {$600.00} dollars only, it was on saturday. so nothing was given to him, the following monday he went to another bank, and they said the Reference number is invalued,, i called Moneygram customer service and ask if they could re-issued a new reference number. their customer representatvie said the money was paid out, i explained what happend in XXXX, i even spoke to the Bank branch manager he said it was n't paid. he said because the teller keyed in the reference number that is why it is showing as if it was paid out, The branch manager advice me to get a refund so that i can resend the money with a new reference number. i was transfer to the fraud dept of the Moneygram and they said i will hear from them within 90 days, then yesterday the XXXX of XXXX i got the attached letter in the mail. They refused to tell me where the money was cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Albert Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Woke up a couple of days ago to see my account had been suspended and my card was frozen. I got a message urging me to transfer my money out of the account. I've been constantly trying to get into contact with support and I have yet to get any answers. The new XXXX XXXX I created to move my funds to does not have a statement yet and will not for atleast another 30 days. They refuse to transfer my funds to another account I linked via XXXX  as I was encouraged to do because I do not have a statement. I have sent dozens of messages and emails to support, and they have no means to speak over the phone. Every bit of cash flows through this account. I can not buy gas or food because they are holding my money hostage and not giving me any answers or solutions. My direct deposits will also continue to be sent here. I am also in process of consulting with my attorney for possible action. 

Below is the only communication from them ( bot reply ) regarding this issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Credit Central Holdings, LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credit Central South XXXX XXXX XXXX XXXX XXXX XXXX their phone is XXXX. This is a loan company that harass me and my mother. I received a checked in XXXX. The due date for the first payment was XXXX XXXX XXXX. They start contacting my mother which she 's my reference XXXX XXXX. Never called me and called my reference too early. Then they start coming to my house which my XXXX XXXX daughters are there. I was at home on of times they came by. They viewing really long and hard and more than one. The last visit to my house was today while I were at work. Please contact me to let me know what I need to do next.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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 a account without my written instructions XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/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 2022-05-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  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 a 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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  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 a 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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-09-28
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
Experian is not taking investigation of false account on my credit report against me and XXXX sent me letter as attached for they found the XXXX  XXXX XXXX  XXXX card is not mine and they removed it from credit file.

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 2016-04-12
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fees

Complaint:
This is regarding gift cards from TD Bank. I was given XXXX TD Bank XXXX Debit cards at various times as gifts. Both are unexpired. I put them away with some othe gift cards I had accumulated for a larger purchase. 
I attempted to make tis purchase with these cards recently. The other XXXX cards I had, XXXX XXXX cards and another XXXX Debit card from " XXXX '' worked without problem. The XXXX from TD Bank, I was told required a PIN number to be used, even though the sticker on the cards said that they were active and ready to use. My wife registered the cards and set PIN Numbers for both cards. While registering the cards, we found that the cards had depleted in value. The {$50.00} card was now worth {$40.00} and the {$150.00} card was now worth {$110.00}. 
The cards were brought back to XXXX for use, and again they were declined. 
I went to the TD Bank branch office in XXXX NJ and spoke with the " store manager '' XXXX XXXX. I told my story and asked that the cards be cashed out since they apparently did not work, several times, in a store. 
He said that there was nothing he could do, that company policy was that they could not be cashed out. He put me on the phone with the credit card office to discuss why the PIN did not work. 
I spoke with " XXXX '', a supervisor. He looked up the cards registered under my name. He said that they were registered, but that there were no PINS assigned. I assured him that my wife had done this, he assured me that she had not. He said that if I go through the process again, that PINS will be assigned and they will be fine. 
We have already been through this. I wont go through it again. If I do, and we again attempt to use cards that dont work we will look foolish, and probably with suspicion. I want the value of the cards in CASH. I want to know why fees of {$50.00} can be removed from these cards. I had XXXX other cards, from different vendors that worked fine. I believe that whats being done is fraudulent and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: JPMORGAN CHASE & CO.
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:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im accordance with fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602 : states I have the right to my privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : a creditor mag not treat a payment on a credit card account and a open end consumer credit pla as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A Paypal credit account was opened in my name and charged {$220.00}. When I informed Paypal, they asked me to send an affidavit. After sending the affidavit, they rejected my claim- and I am still being held liable. I called, and they rejected my claim again. I did not open this account, and I should not be held liable for their poor fraud prevention systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Since the student loan payment suspension has been in effect I have continued to make on-time monthly auto payments to NAVIENT. 
During this period NAVIENT has continued to charge my account interest on the balance. I have been under the impression that ALL interest was suspended during this period. 
Email and phone calls have produced nothing if any value to me because I am not interested in consolidation or refinancing at this time. 
Can this office help resolve this question?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Experian Information Solutions 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:
Experian is reporting specific information on my report that is wrong. I have notified them of these items and they have not resolved or corrected any of them. Under the negative items, the XXXX XXXX they are repeating does n't or belong to me and is a fraudulent account. I need this removed from my credit file. Under the accounts section they are reporting a XXXX XXXX XXXX XXXX card card as closed when in fact it is open and being paid on time. I have notified the, of this error for now numerous months and the fraudulent account for over two years now. Then they have several inquiries I did not authorize and would like removed.

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 2022-08-29
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to dispute the bankruptcy that is showing on my credit report. I attempted to asked them how did they get permission? According to USC 1681 c ( a ) 1, states that credit reporting agencies are not to show a bankruptcies on a person 's personal credit report. There are tons of inquiries that I have requested to be removed as well, but they sent me a document stating that its accurate. HOW? They have not sent me anything to validate any of those inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX  XXXX Balance : {$6900.00} ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX  XXXX Balance : {$36.00} ; XXXX XXXX XXXX XXXX XXXX {$8600.00} ; XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: AL
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 still have found alot of inaccurate information reporting on my credit file. I need you to conduct a reasonable reinvestigation! How could you have all of this information incorrect? This is a form of defamation/slander. But ill allow another 5 - 30 days per the law to get these iteams removed and do not use your e oscar system ; this is human error! Conduct a reasonable investigation because I am trying to buy a house this is really hurting my score! Mail me an updated report once all inaccurate information has been deleted! Dont forget about 15 U.S.C 1681 Section 604 A Section 2 : It says a consumer reporting agency can not furnish an account without my written instructions. Lasty, 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I circled everything inaccurate with red INK!

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 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I mail my police report and ftc report with the additional documents required to get the fraudulent account block from my credit. I submitted them to XXXX, XXXX, and Transunion and it took 2 weeks for them to recieve the documents. this is what the credit bureaus said. Transunion said that they refused toblock my fraudulent items or dispute them. XXXX  wont even answer or respond. and XXXX  must respond within 4 business days after they recieve the documents. XXXX  took some items off but wouldnt do two of them and XXXX   deleted XXXX  XXXX  and then put it back on there 2 days later, which is a FCRA violation of reinsertion. they have to notifiy the consumer within 5 businesss days, it was deleted friday and inserted monday. for XXXX  the two accounts, XXXX  and XXXX XXXX is the two accounts they refused to deleted with my affidavits and police 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 explanation
Consumer complaint received 2022-05-24
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I took out a mortgage with First Federal Savings on XX/XX/XXXX which a mortgage was recorded. On XX/XX/XXXX another copy ( same loan number ) of the mortgage was recorded with XXXX as the servicer. I refinanced and the mortgage was paid off and a discharge was recorded for the First Federal Savings mortgage but not for the XXXX Mortgage. It is my understanding that US Bank was the servicer at the time of the discharge. I have since refinanced again and now have sold my home. We requested a discharge back in early XXXX XXXX of XXXX in anticipation of selling my home and did not receive confirmation of the discharge but rather that " it would be processed and completed. '' We had a {$500.00} holdback in escrow in order to sell the home with the reliance that US Bank would timely record the discharge. Now XXXX ( XXXX ) years later, MANY emails and calls to US Bank, XXXX  and XXXX XXXX with promises that the mortgage would be discharged and recorded. 
It is now almost two months since the closing date of XX/XX/XXXX and we still have not received a discharge for the XXXX mortgage. I have written to US Bank as well as my attorney and now am receiving radio silence. I let them know last Monday, XX/XX/XXXX that if they did not respond by XX/XX/XXXX, I would be filing this complaint and I still have not received a response.

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 2016-03-06
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I tried to get a pharmacy rewards card, but the cashier did not understand and she made me to apply a target red card? I noticed that this person was a sales training to get bonus, and charged {$38.00} from the target red card. I closed the account the last XXXX, so I received some letters regarding the payment plus interest. Now, I have financial matters and I am not willing to pay the new balance.?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've recently reached out to Equifax in XX/XX/2022 to update and remove incorrect or inaccurate personal information reporting on my credit report. On the Equifax credit report it contains addresses XXXX XXXX XXXXXXXX XXXX which I DO NOT currently reside nor have any affiliation to. The Employers section also contains inaccurate information with the names XXXX XXXX and XXXX XXXX which I was never employed at neither Employer. Despite my previous attempts this wrong information continues to report.

Company response to consumer: Closed with explanation