BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I used XXXX 's services again on XX/XX/2022 and a transaction was canceled and I received an email from XXXX that you will receive a refund within 10 business days, time has passed and the refund has not been made to my bank account, call XXXX support XXXX and they do not give me a solution to my case telling me that the charges were not made and I have proof that the charge was made take a screenshot of my bank account where you see that the funds were withdrawn from my account that is to say there is a abuse of manipulation of funds by the XXXX company giving false information to the client in situations like mine from technical support and XXXX makes misleading advertising by saying that their refunds are given in 10 business days many people like me who use the money transfer system suffering this type of fraud and they suffer this type of abuse from XXXX I hope for a solution since the money I send is money from my work and effort and it is not XXXX This is lost due to inefficiency of an unstable system

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I purchased a prepaid MasterCard and when I went to use the card, it was declined. I called the number on the card and was asked to fax my receipt in and a new card would be issued. It has been 3 months and several phone calls later and still have n't received the new card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22
Company: DISCOVER BANK
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX, XXXX has XXXX my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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: Reporting company used your report improperly

Complaint:
n 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

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 2022-08-27
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an offer in the mail from Citi Bank. Open an Accelerated Savings Account and receive a Cash Bonus. I responded and opened this Savings Account with a {$32000.00} deposit on XX/XX/22 in order to receive the Cash Bonus of {$300.00}. The money had to remain in the account for 90 days to qualify for the Cash Bonus. As of XX/XX/22, my account has not been credited with the Cash Bonus of {$300.00}. I have contacted Citi Bank Customer Service a number of times, ( all of which I have noted in my file ), and have not received the Cash Bonus or any reasonable answer as to why it hasn't been issued to my account. Supervisors have said they would check into it. I have complied with all of Citi 's requirements for this Cash Bonus but Citi Bank has not. I am exhausted with telephone time on this issue and hope that I can receive help from a consumer advocate source. Please contact me if you need further information in this matter. 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 monetary relief
Consumer complaint received 2022-08-27
Company: GOLDMAN SACHS BANK USA
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:
According to 15 USC ( section ) 1666B Goldman Sachs is in violation for billing errors. 

I Am reaching out in regards to information on my Credit report that It is reporting negative information which is affecting me tremendously. I found an article proving Goldman Sachs are wrongfully reporting credit info from CFPB article on Goldman Sachs. Please update my Payment history to 100 % on time. 

Also, I would like to add that In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

Please update my Payment history to 100 % on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Aqua Finance, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
To whom it may concern, XXXX finance, XXXX XXXX of XXXX, and there investors are continuing the felony harassment of myself and my wife. Every since we sent a complaint to Consumer Finance. gov, these companies have increased there harassment again. The most significant harassment happened on yesterday ( XXXX - XXXX - XXXX ) around XXXX at krogers on XXXX next to walmart XXXX XXXX. Aqua finance had some of there XXXX try and scare us as we were leaving the store. XXXX walked by us as we were leaving the store and said in a real low voice be careful and then once we got to our car that same XXXX got into a car that was parked right next to ours. As they drove away they yelled out something that sounded like SOON. We are n't leaving our home and we will defend ourselves by any and all means. If this continues we will involve the media! 
Note : We recently submitted a complaint on XXXX Finance 's Rip Off web site and I seen were this company along with there investors have had almost XXXX XXXX complaints filed against them! Why are these companies still being allowed to stay in business. Why are n't these XXXX being arrested! Whenever our case ends up in court, we will reach out to other victims of Aqua finance, XXXX XXXX of XXXX, and there investors. We will get the media involved and make sure these companies get exposed for the criminals that they are! 
It 's XXXX 's XXXX weekend and now these companies think there going to commence there Holiday Harassment! Today XX/XX/2015 these companies XXXX are going crazy, acting like they are going to hit us wth there vehicles and run us off the road. A typical holiday weekend for us!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Talk to XXXX on XX/XX/2019ragarding issues on account MCM # XXXX. Was told the account was not reporting to Credit Bureaus as well as an attempt to collect but can not be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: IL
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:
FTC # XXXX has been submitted to all three credit bureaus and they still refuse to remove XXXX XXXX XXXX # : XXXX from report this is not my account and was opened fraurdly.

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 2022-02-22
Company: Rocket Mortgage, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have tried multiple times to delete ALL of my personal information from Quicken loans dba Rocket Mortgage. I keep receiving unsolicited offers due to my information being sold/shared. I followed all instructions on the website for deleting personal information. However, I keep receiving emails saying my request has been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
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: Account information incorrect

Complaint:
I DO NOT RECALL OPENING THE ACCOUNTS BELOW. I REQUESTED VERIFIED INFORMATION FROM THE CREDITORS AND CREDIT BUREAUS. NO ACCURATE DATA HAS BEEN SENT TO ME. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, TXXXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX FL XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Ohio XXXX Us Department Of Edu XXXXXXXX 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 explanation
Consumer complaint received 2017-04-20
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Saw the CFPB suit against Nelnet. I 've experienced  XXXX  of the allegations plus an additional problem.    1.  Fails to correctly apply or allocate borrower payments to their accounts. I had problems making early payments while still in sch ool. Nelnet t old me that any payments provided early would go to " anticipated interest '' rather than the principal. Additionally, there were errors early on in how my payments were applied across multiple loans amounts.   2. Steers struggling borrowers toward paying more than they have to on loans. Experienced this during  XXXX  school on my  XXXX  loans. Was not informed adequately about repayment plans that allow for a lower monthly payment, steered towards forbearance for 2 years.    3. Change  in type of loan. I initially was given  Direct Federal Loans,  when transferred to  Nelnet, the y removed the " direct loan '' distinction. This hurts me under the  Public Service Loan Forgiveness ( PSLF ) program, because PSLF a pplies only to    Direct Federal Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
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: Account status incorrect

Complaint:
XXXX XXXX is incorrectly reporting information to Transunion, XXXX  and XXXX. They are reporting to XXXX  that the open date on an account is XX/XX/XXXX and reporting to Transunion and XXXX  that the open date is XX/XX/XXXX. I've disputed this account with all 3 bureaus since XX/XX/XXXX and they always report that the information is verified and accurate. How can it be verified with different account open dates? 

I have asked all three bureaus : XXXX, XXXX  and Transunion to provide me with a copy of an original contract with my signature to prove I indeed have an debt with XXXX XXXX and that the information they are reporting is accurate. Neither of these companies ever sent me any proof or documentation to verify what they are reporting was accurate which is a FCRA violation of my consumer rights. 

The company has also listed this account on my credit report as a charge off but still reporting the account late each month and further damaging my credit history and preventing me from being able to obtain credit and start my business, purchase a car or buy a home. If the account is charged off, its already a derogatory remark on my file and should not continue to be reported as a charge off and late on my credit report each month. That is a FCRA violation and I demand this account be deleted immediately from all three bureaus and levy any fines deemed appropriate against this company under FCRA and FTC guidelines.

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 2020-09-01
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The company allowed the Power Of Attorney for my grandfather to go in, update the signature cards to not include my name on the account titling, and then to take the funds with the reissued signature card. 

The signature card shows XXXX, which is the bank using the Power of Attorney paperwork to make account title changes to the account. The signer XXXX XXXX did not have a proper id, he never bothered once losing his drivers licence for XXXX/XXXX XXXX XXXX. 

The Power of Attorney had no legal authority in the power granted to them to update titling ( customer/account level ) on an account. Since they were unable to properly verify the signer that day, as evident on the signature card, no change could have been made to the titling.

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 2022-02-22
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account LVNV FUNDING LLC with the account number XXXX is clearly a collection but why is this account reporting a " past due ''. This company has engaged in deceptive practices and violated the Fair Debt Collection Practices Act by reporting a balance on a paid in full and closed account. Please contact this company, verify as Paid, and change status immediately. Please note you are also reporting my private health information. To do so, you must provide your HIPAA clearance to me. Please provide documentation proving that you are not abrogating my rights by reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card
Issue: Balance transfer

Complaint:
I requested a balance transfer with XXXX Credit Card at Comenity Bank which was never completed. They billed me for the {$1000.00} balance transfer amount plus the fee of {$10.00} but it was never received by XXXX XXXX. Because it did n't make it, I was charged {$20.00} in interest at XXXX XXXX. XXXX Credit Card is refusing to help with the matter. They owe me a credit to my account of {$1000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-10
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My Homeowner 's insurance payments were not made on time causing the house to uninsured over XX/XX/XXXX - XX/XX/2015Caliber home loansAccount # XXXX XXXX XXXX XXXX, XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a dispute to Equifax on XXXX XXXX, 2022 and have not reveiced a response from them. I have provided all documents several times and they are still showing a active dispute. 

It uzzling that they can update new informatin but not disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
My Capital One Quicksilver Credit Card was recently closed. I attempted to have my account reopened via Capital One customer service. This occurred XX/XX/2022 I explained that I am a XXXX XXXX XXXX XXXX and I was recently XXXX, with a XXXX XXXX  During this XXXX   my elderly mother was assisting me with paying bills, rent, and general up keep of my life outside of the XXXX. Unfortunately my elderly parent tried to pay my Capital One Quicksilver Credit Card bill without my permission and returned balances were the effect of my parent doing this. I called Capital One as soon as I realized what had happened explaining everything to them even that I was XXXX   during the time but, they told me nothing could be done. Stating it was my fault even though I was in the XXXX  and am XXXX. I am not sure why they are doing this and it has truly been an added devastation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A collection agencies under the name XXXX XXXX XXXX appears on my Credit Report with an a amount of {$59.00}. I do not recall to had any contract or agreement with this Company or to own them any thing ... I called this company and gave them all my personal Information as SSN, Names, Adress and Phone adress and the representative couldn't find any thing in their system.

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 2022-08-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX. I am a victim of identity theft and did not make these changes. Delete and Remove please. I HAVE ATTACHED DOCUMENTS.

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 2020-09-26
Company: Experian Information Solutions Inc.
State: MO
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:
The following inquiries that's reporting on my credit files are fraudulent inquiries and I'm demanding that they are removed. I do not have any knowledge of these unauthorized dark web fraudulent made inquiries. 

1. XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX XXXX XXXX ( XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX XXXX XXXX XXXX XXXX ) 7. XXXX XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-21
Company: Alorica Inc.
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
West Asset Management has been incorrectly reporting a paid medical bill as a collection to XXXX & XXXX. The reported date assigned was XXXX, with the date of first delinquency of XXXX. Original amount owed was claimed to be {$600.00}. This bill was fully paid by my insurance company, leaving only a {$30.00} co-pay. I paid that {$30.00} in full after contacting XXXX XXXX about this collection, after seeing it on my credit report, in XX/XX/XXXX. Any amount outside of that, is reduced or paid under a legally binding agreement with XXXX of Nebraska. I was never once contacted about this account by either XXXX XXXX or XXXX. 

- Further, XXXX has failed to provide any proof or detail of this debt upon request. 
- I was never contacted about this collection prior to seeing it on my credit report. 
- Multiple disputes with the credit reporting agencies have yielded continually erroneous and damaging information from West Asset Management. 

I have attached documentation as follows : - Credit card statement from XX/XX/XXXX, detailing the {$30.00} paid to XXXX XXXX for this " collection. '' - XXXX record of collection as reported by XXXX. 
- XXXX record of collection as reported by XXXX. 
- XXXX record of collection as reported by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened a credit card with XXXXXXXX XXXX XX/XX/XXXX. Payment history shows XX/XX/XXXX reported as 30 days late and XX/XX/XXXX reported as 60 days late. This was due to a medical emergency that I experienced that put me in the XXXX for XXXX and a half weeks. I was unable to make arrangements with XXXX XXXX due to my 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