BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PR
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was engaged to an alleged XXXX, he established that he was going to transfer me {$100000.00} from his account in XXXX in XXXX to this email- XXXXXXXXXXXX I provided the transfer fee of {$1100.00} to a XXXX XXXX, Remittance Manager of XXXX . I used money gram to wire the money to XXXX with a reference number XXXX. I was later asked to pay {$8000.00} for a COT code. I was provided a fake internet account website to transfer the funds from said account to my personal account. 
Dear Value Customer, You can access our website ( XXXX ) Ma'am the best wayof transfering fund like this internationally is what you went for ( Internet Bank Tranfer ) and is the simplest means of transfer. You canalso log in your Online Bank Account through our Internet Banking platformit will take you directly to the site we gave you earlier to access youraccount*Our bank has a banking policy operating in Directives of job processingand customer satisfaction that we do have laws governing our Bank* Our bank is known for long standing Reputation in maintaining customerrespect and obeying Banking rules/Laws. Note this, as part of ourcontractual agreement with our partners with customers, that no amount canbe deducted from your fund, this is because the total amount has beeninsured to the real value. And this is in accordance with section XXXX ( XXXX ) ( XXXX ) of the international remittance act as adopted in XX/XX/XXXX and amended onXX/XX/XXXX by the constitutional assembly and it put in place toprotect Beneficiaries from Bank exploitation and to avoid misappropriationof funds. 
XXXX XXXX, Remittance Manager, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent a  total of three letters each to  XXXX , Equifax, and  XXXX  that I wanted verification of the " public records '' showing up on my credit report. I have letters from the court systems that they do not verify, which I have sent a copy of with each of my letters. They keep on coming back and saying they have " verified '' it. One eve n goes so far as to say they verified with  XXXX . According to law, they have to verify with the listed entity. I have tried to explain this to them, but they still refuse to remove it.   XXXX    removed the public records, but put them back on within a couple of days and did not send me a letter that they were " reinserting '' it on my report ( also a violation ). I would like help from the cfpb on this situation since I am obviously getting nowhere with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Navient Solutions, LLC.
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:
On XX/XX/XXXX I called Navient and made a verbal forebearance request on my student loan account due to financial hardship. At that time I received verbal confirmation that my request was approved for forebearance on student loan Accounts by Navient Department Education Loan Servicing for the period XX/XX/XXXX - XX/XX/XXXX. However, Navient reported 38 delinquencies on my account to the 3 major credit reporting agencies : XXXX, XXXX, and XXXX, for the Months of XX/XX/XXXX and XX/XX/XXXX. I 've contacted both Navient and Credit Reporting Agencies several times verbally and in writing requestion that the erroneous entries be removed but to date they have not complied. Navient has been resorting to the tactic of stalling by requesting documentation of general correspondence which they already have in their possession since all requests and notification are stored for access on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.

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 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm a victim of family Identity Theft. A family member opened unauthorized accounts in my name. I've submitted the Identity Theft Affidavit and corresponding evidence to the bureaus three times since XX/XX/2020. XXXX  has blocked the accounts. XXXX   and TransUnion have not blocked the unauthorized accounts. I'm trying to fix this asap as it is severely affecting my credit score and I need to purchase a house. I do not want to have to file a lawsuit because with the coronavirus too much is going on in my life right now. I just need this fixed. Please help.

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 2022-08-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reported inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Its my intention to not pursue any legal action so please adhere to the law Please remove/block the account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Lazarus Financial Group, Inc.(Closed)
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I HAVE ASKED FOR VERIFICATION THAT THIS DEBT BELONGS TO ME AND IT HAS NOT BEEN PROVIDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: TENET HEALTHCARE CORPORATION
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Doctor visit was  XXXX   XXXX ,  2016 . Chapter  XXXX  bankruptcy filed  XXXX   XXXX ,  2016  and discharged  XXXX   XXXX ,  2016 . This debt continues to be listed on my credit report as delinquent. Additionally, my attorney attempted to send a dispute letter to the address the agency listed on my credit report, which was returned as undeliverable. My attorney believes that reporting inaccurate informatio n ( in the case the contact address ) to a credit reporting agency is an additional violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: VW Credit
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A creditor sent me a fraudulent bill for {$1800.00} in XXXX XXXX. I sent the creditor a letter to cease all communications and confirmed that I disputed the charges. See attached letter. The letter was sent certified and the United States Post Office records confirm it was received by the creditor. 

Recently, I received a letter dated on XXXX XXXX, XXXX to attempt to collect the fraudulent charges. According to the Fair Debt Collection Act, a debt collector can not contact me since the original creditor was notified. Note that this is INDISPUTABLY a violation of federal law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This Glitch that happened is not my problem that TransUnion had and not mine. As you can see this is a case of something TransUnion has done. This glitch caused my inquiries to be deleted and TransUnion later added all   XXXX   back to my credit report withing giving me without giving me a five day written notice as required by law.     TransUnion added  XXXX  inquiries to my credit report without notifying me at all. The   XXXX     inquiries TransUnion added are  XXXX ,  XXXX , and  XXXX . I have called TransUnion twice on the phone regarding this, and for them to remove these   XXXX   injuries that they illegally added on good faith. The first time I spoke  XXXX  from the United States on   XX/XX/XXXX   around   XXXX   XXXX   and was told that the inquiries are not part of the glitch that TransUnion had. That nothing can be done. On  XX/XX/XXXX  spoke to  XXXX  from the United States around   XXXX   XXXX    and  XXXX  told me I have to submit proof that these  XXXX  inquiries were illegal added. I told her I do not need to submit proof of something that TransUnion illegal added. I said that you did not notify me in any type of way, and I know you have to notify me within five days. That these accounts need to be removed. After that  XXXX  hung up on. Both of these representatives from the United States only gave me their first name, and I asked for last name, badge number, or something and I was told by  XXXX  that they are only allowed to give their first names.             These are the   XXXX   inquiries :   XXXX   -    XX/XX/XXXX      XXXX   -    XX/XX/XXXX     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 2016-12-12
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Received written letter due to the receipt of a ONE day " late '' payment. I have scheduled bill pays of the debt owed and moved the XX/XX/XXXX payment ( XX/XX/XXXX ) to align with my pay day ( XX/XX/XXXX ) and received a letter dated XXXX. I find this to be very aggressive and unnecessary, when XXXX bill has a grace period. 
The main reason for arranging the bill pay was because of the horrible communication tactics with the representative and then the deceit of the amount owed submitted to the court. 
When I received the original communication in XX/XX/XXXX, it stated to contact the office before legal action was taken ; I did that and the debt collection agency still pursued court action ... it was until meditation that the court fees were waived and the verification of XXXX payments were presented. Of the XXXX payments, the first payment was n't noted on the account. Then after that, there were about XXXX versions of the agreement that had errors after errors, in which it was " expected/demanded '' for me to sign as if it was such an urgency ... 
At any rate, I ca n't wait until these next XXXX pre-scheduled payments have been received and I pray I never had to deal with this debt collection agency again in my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
See attached documentation. Requesting modification based on lack of significant change in principal balance following 7 years of positive payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: BANCO POPULAR DE PUERTO RICO
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good morning! 

I would like an investigation for Banco Popular of Puerto Rico in the Department of Credit cards VISA ICON, in regards to the account # XXXX due to : 1. That on Friday, XX/XX/XXXX I tried to enter online to verify my credit limit and realized I couldn't enter. 

2. That I am a XXXX XXXX and depend on my Credit Score. 

3. That I didn't file a claim in 30 days because I paid on XXXX the amount owed in full and left the account in {$0.00}. 

4. That I immediately proceeded to call Banco Popular of Puerto Rico and talked to Mr. XXXX XXXX and he informed me that I have an overdue pay of {$680.00}. 

5. That I told him that the amount could not be because I haven't used the Visa Icon card since XX/XX/XXXX and I paid the balance at that time in full. 

6. That no one from Banco Popular contacted me through phone, email or US Postal Service inform about said charge and my personal information was up to date. 

7. That I informed Mr. XXXX that if he looks at my past payments he would see that I have never been late in a payment and that I always pay in full. 

8. That the amount above mentioned is not mine and they should immediately proceed to eliminate the charge and fix my Credit Score with XXXX, XXXX and XXXX. 

9. That on Tuesday, XX/XX/XXXX I wrote an email detailing the phone call I had with Mr. XXXX on Friday, XX/XX/XXXX and attached the evidence to back the claim as requested by Mr. XXXX. ( VIEW ATTACHED DOCUMENTS ) 10. That on Thursday, XX/XX/XXXX I called Banco Popular of Puerto Rico because they haven't contacted after 73 days an I wanted to know if they eliminated the charge of {$680.00} and fixed the credit score because they never contacted me in any form. 

11. That I spoke with Mr. XXXX XXXX, Supervisor, and he informed me that they have not fixed the charge and the credit damage to my Credit Score. 

12. That he told me that I should send an email to him detailing everything that I have done and that he would have an answer on Wednesday, XX/XX/XXXX but I have yet to receive a phone call, email or letter in the US Postal Service of said solution. 

13. That I called an Agency in Puerto Rico ( DACO ) in regards to said claim and they informed me that to file a claim with them I had to Travel to Puerto Rico because the hearing are there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
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:
I was denied from opening a credit card at XXXX today XX/XX/2020 because there is an account from XXXX  XXXX XXXX reflecting badly on my credit report as well as several inquiries. None of those items belong to me ; I did not open that account and I did not allow those companies to run my credit. I did not give anyone permission to use my personal information to open that account and make those inquiries. I did not benefit anything from this account/inquiries such as money, goods, services or any other benefit and I did not make any payment towards that account. I do not have any contract or agreement with any of the companies listed in this report. I have already filed a police report regarding these unauthorized inquiries and account.

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 2017-10-14
Company: Netspend Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hello, I purchased a XXXX XXXX card on XX/XX/XXXX with an initial load amount of {$110.00}. When I called in to activate the prepaid card so I could pay the bill I bought the card for, XXXX told me that they couldnt activate the card because of some account with Netspend. I do not have an account with Netspend and didnt understand why they would be telling me to call them to get a refund of my funds. They told me that XXXX prepaid is owned by Netspend. So I called Netspend and they said yes that they could not activate my card and that I would have to call XXXX to get my refund. So I call XXXX back and after getting a Manager and on the phone for at least two hours, the manager says that they cant activate it. Well I wanted to just get to the refund already, as this was ridiculous. I purchased a prepaid card with my money to pay my utility bill and they would not let me access the funds that I had purchased the card with! The manager told me that they would mail me a check in the mail and it would take 7 to 10 business days. Im very upset about this to say the least! 
Today the check still has not arrived and I just got off the phone with XXXX. The representative advised me that the check had not been released yet and, not to worry he would get it released today. He then tells me again that it would take 7 to 10 business days. I cant wait that long! I have been without utilities and I have children! I ask him if he can exepedite the check to me and he says no. I ask for a manager and when he transfers me, I just am on hold forever and then it disconnects. I never got to a manger and Im not even sure if my check got released. THIS IS AN OUTRAGE! VIOLATION OF AN ACCOUNT HOLDERS RIGHTS! I DONT HAVE ACCESS TO MY MONEY AND THEY JUST DONT DO THEIR JOB WHICH IS A TERRIBLE SOLUTION ANYWAY!

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 2017-03-10
Company: Bread Financial Holdings, Inc.
State: PR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
During XXXX XXXX, 2017 at XXXX ( late ) I received a threatening call from Pay Pal services regarding a credit Line that I owe with them. The guy sarcastically laugh after I complained about the calling hour. Also he constantly asked about my name and when I ask who is he representing, he hung up. I found out that is was pay pal when I call back the to that number in the morning. I also include a print screen of the phone call that contains the hour, date and specifies that is was a call received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: American First Finance, Inc.
State: GA
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:
Fraud/Identity account opened in my name between XX/XX/XXXX and XX/XX/XXXX. 
Company = American First Finance, XXXX. XXXX XXXX, XXXX, TX XXXX, ( Account # XXXX ) from a fraud purchase at XXXX  XXXX   XXXX, XXXX XXXX XXXX, XXXX, GA XXXX in the approximate initial amount of {$13000.00}. 

In contacting American First Finance on XX/XX/XXXX initially after receiving a past due notice, ( XXXX ), I disputed the account and informed them that I never authorized or approved a purchase from American Freight Furniture. I then called XXXX XXXX XXXX ( spoke with XXXX XXXX ) and informed them of the fraud purchase/lease. He would not provide me with additional information On XX/XX/XXXX, I called American First Finance again to see if they had resolved the dispute complaint. I spoke with a XXXX and then transferred off to a XXXX. Neither would provide with additional information nor send me a copy of the initial agreement, contract, and delivery receipt. They indicated that I had to first complete a affidavit. The notarized affidavit of fraud was completed today along with initiated a police fraud report.FILE # XXXX. 

On or around XX/XX/XXXX, I also completed a disputed/fraud account with XXXX  XXXX  XXXX. XXXX  XXXX XXXX, XXXX, PA XXXX File # XXXX. Their investigation confirmed account ; but, they would not confirm how they came up with this decision??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi, I opened a new bank account and i would like to move some money into it but Bank of America does not recognize my new bank 's routing number. I checked with the XXXX and the Fed and it is a valid routing number. I'd like to resolve that since BofA is not letting me move my money.

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 2017-03-07
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Received notice from XXXX managment and paid {$310.00} for old debt for spouse to remove from credit report so we can purchase a home. They sent the attached letter. They stated they have the debt from XXXX XXXX XXXX who had the debt originally before I found out about it. XXXX is still reporting this debt on both credit reports despite numerous attempts to get them to remove it since the debt was paid in full. 

Either XXXX is a scam and collected on a debt that they did not have access to, or XXXX is refusing to accept the fact that someone else collected on the debt since they would not. The original Creditor was speedy Cash.

Company response to consumer: Closed with explanation