BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 looked up fair credit reporting act I gave the right to privacy it states a consumer reporting agency can not access report without written instructions. Companies violated my rights because he didn't give access for them to obtain credit report. 15 USC 1681 section 602 A 15 USC 1681 section 604 A. Equifax is reporting on my credit report for XXXX XXXX XXXX ( Miscellaneous ) XX/XX/2023 that i didn't give authority for anyone to run on his credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX my phone was stolen I looked and searched for my phone couldnt find it my bank apps was on my phone I called my bank to inform them of the fraud charges that was being done on my phone I wasnt able to use my card as well the bank froze my bank And I reported my phone missing to my phone company filed a police report and started my claim with the bank I sent the Bank of America my police report and the requested and then I was asked to send proof that I reported my phone missing to my phone company and disconnected my line as well I sent those documents both claims were denied I called numerous of time and was told my account was getting closed and I also notice while at work my account that was froze had been unfroze due to the fact the bank was closing my account and couldnt give me further information I called back numerous of time to be giving different stories one representative would all now access to my account then call back another would not give me any information this all started happening once I sent on my document that was requested showing that I reported to my phone company my phone was missing.I even drove to the bank to identify myself

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 2021-08-11
Company: Ocwen Financial Corporation
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: Account information incorrect

Complaint:
I have filed several complaints about Ocwen Loan Servicing about inaccuracies they have reported to the credit bureau. They removed it after I filed several disputes, However it has returned on my credit report on XX/XX/XXXX causing me to drop 40 points. I was told by a PHH representative that It has been reported that on XXXX of XXXX I was XXXX dats past due during a transitional period when my loan was transferred from Ocwen to PHH. I have pulled my credit report and it only shows I was late in XXXX & XXXX of XXXX. I have researched my payment history with my bank and found XXXX payments that appears to be made in XXXX and XXXX in XXXX that verifies I was on time. I have attached the proof documents to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was given a house modification, supposedly, but after the processing, the mortgage payment was not abated nor was the interest of the loan of 6.25 % lowered. After the government 's moritorium to help homeowners during the pandemic, the mortgage payment was given to me to be {$1400.00} or so each month. I never missed a payment, even while the company was supposed to help with a modification.. The house payment was not lessened as I thought it would be. Just a few months ago, 2 months, I received notice that the house payment beginning in XX/XX/XXXX, would be increased to almost XXXX per month!!!! This company has not helped me. Further, when I called a representative of the company whose name I wrote down, to keep the present payment as and allow me to pay for taxes myself to keep the payment as it. I asked why the monthly payment was raised, also, and was told that there was an escrow deficient PLUS higher taxes ... .all causing the nearly XXXX monthly house payment to rise from XXXX!!! I had tried to try refinancing JUST BEFORE THE LETTER CAME ABOUT THE INCREASE I XXXX. Strange to me. If I am not correct about the situations about this lender 's actions, I need to see that in writing but.. if I am the victim, here, help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TransferWise Ltd
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I canceled my wire transfer into my Wise account because they mentioned that it would take 3 weeks for them to credit my account. But when I cancel it, they refuse to send it back to the originating account, and keeps telling me I need to fill out their form online with the refund instructions. The problem is I can not fill out their form because their form doesn't provide " further credit to '' field which is required for me to get the wire returned to the originating account. My originating account in the US a private banking, and requires " further credit to '' field. Wise refuses to accept the instructions that I've emailed them, and continues to tell me it's not possible to refund to my originating account because it requires " further credit to '' info. And now they've stopped responding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX : XXXX, XXXXXX/XX/XXXXXXXX, XXXX XXXX Transunion : XXXX, XX/XX/XXXX has violated my rights. 

I have already disputed these accounts with the bureaus but they did not remove them, nor prove validation under Sec. 609 FCRA.

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 2021-08-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have been reaching out to Equifax concerning to previous complaint about the inaccuracy being reported on my report. However, Equifax have failed to provide me any feedback and updates with regards to my concerns. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$370.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My Child Support card though Eppi had nearly {$500.00} in fraudulent charges. All charges were not within my normal purchase history and I was locked out of my account due to it being hacked. After talking with Eppi card services on multiple occasions, they agreed the charges were fraudulent and. It in line with my normal purchase history. They reversed the charges and then claimed they contacted 20+ vendors who my card was fraudulently used with and said all the vendors said they were authorized charges. After initially reversing the fraudulent charges, they went back and unreversed the charges. This has been on going for 5 months and is uncalled for. Further, I followed their procedure to request funds be direct deposited instead on being put on an unsecured card and they never complied with the request. I have no option but to use this card and I have no control over their security. They are playing games and hoping I give up and I will see this through to make sure it does not happen to other innocent victims. I am request that all fraudulent charges be reversed. I have spent hours submitting the documentation they requested and would like to join and class action lawsuits against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Good afternoon, on XX/XX/XXXX, our company made a payment of XXXX USD ( XXXX ) it was sent through a correspondent XXXX XXXX XXXX XXXX XXXX, XXXX XXXX to an intermediary bank WELLS FARGO BANK, N.A., New YORK. According to the XXXX XXXX, the payment was delayed by WELLS FARGO BANK, N.A., XXXX XXXX XXXX XXXX XXXX. These receipts are attached. Date of receipt..... : XXXX XXXX XXXX XXXX XXXX : The text of the message... XXXX XXXX // XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  The refund is always made via the reverse chain of banks, i.e XXXX through American banks. Due to the US blocking sanctions imposed on XXXX XXXX XX/XX/XXXX and the termination of settlements with XXXX in the USA , our payment was blocked. After the bank blocked it, a recommendation was made to contact OFAC to obtain a License to unblock the payment. We applied for a license and it was assigned the registration number XXXX XXXX, it was received on XXXX, and it was assigned the case number in XXXX. After that, on XX/XX/XXXX, a Sanctions and Licensing Officer from the Licensing Department of the Office for Control of Foreign Assets contacted us and asked if we wanted to return this money back or send it to the recipient 's bank, which is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to which he was given the answer that the money should be sent to the final recipient this payment. From that very moment, i.e. from XX/XX/XXXX to the present day, our payment has not been returned to the sender 's bank and has not been delivered to the recipient 's bank. We would like to ask you for help to find out where our payment is at the moment and tried to send it to the recipient. Thank you in advance

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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX. Called Transunion after troubles being able to log into the website from my computer. 

First Call : Employee number # XXXX assisted and was unable to provide a process for me to get a credit report as per my rights under the FCRA. The complaint from Transunion was that they can not provide a report to me, not even for the purpose of refuting potential fraud or misinformation. When asked for a solution, the only one offered was to send a report to an address I no longer resided at. When asked for information on the particular legal entity I was speaking to to confirm and accurately fill out this form, the phone was hung up after the response that the employee was not allowed to give this information. 

I do not have reason to believe the employee was acting out of malice. However, my rights as a credit consumer were not met and I am still unable to receive a 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 explanation
Consumer complaint received 2021-08-10
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a deposit of {$500.00} with XXXX XXXX XXXX XXXX on XX/XX/2021. After making the deposit I have been unable to get in touch with anyone at the office. On XX/XX/2021 I contacted Chime to dispute the charge. I was told the dispute could take up to 90 days for processing due to the type of dispute it is. I waited for that time to pass, checking in intermittently. I was always told to expect a resolution no later than XX/XX/2021. 

As of today, XX/XX/2021, the dispute is still outstanding. I have called Chime 's customer support repeatedly as well as communicated via the app, and keep being told it is being escalated. Yet it still isn't resolved, I still haven't heard from the merchant, and I don't have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Transunion AGAIN FOR THE FIFTH TIME THIS YEAR has dropped my credit score XXXX points overnight!!!! I am suing for discrimination!!! This is unsustainable for me! I can not get a place to live as a XXXX veteran this is absolutely unconscionable. I transferred money to a new account to better my score NOT to have Transunion XXXX me yet again out of more than XXXX points in 1 night!

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 2021-08-10
Company: Novad Management Consulting LLC
State: NV
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I can not get a response from the company that handles my Reverse Mortgage. I have kept up my side of the agreement for over 10 years, I maintain insurance, pay the taxes, maintain the home and I am still alive and living in my home. This company for NO reason turned my account over to HUD with one phone number to call. MY QUESTION is why. I called this number 6 times sitting on hold anywhere from three hours to one and when I finally reach someone they just forward my question on to the company. It's just a huge call center with no information. I received THREATENING Letters that I had thirty days before they wanted a deed-in-lieu-of-forclosure. WHY. I NEVER recieved a call.They sent a response to cfpb saying they had talked to my daughter XXXX. First of all I do not have a daughter named XXXX and there were no missed calls logged on my phone. NONE. 
I feel that these threats must be explained. WHY did this happen? Why was I threatened about being evicted and I need this in writing asap. How can a company be allowed to do do business with no direct phone number?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On Friday XX/XX/XXXX I was trying to make a purchase on XXXX and was presented an offer to pay for my purchase through the Apple Card by Goldman Sachs, the offer stated " Apply and use right away. '' and " See if you're approved in as little as a minute with no impact to your credit score. '' I submitted my application and provided pictures of my drivers license per the request, but did not get an approval response in minutes, and still do not have a response 4 days later. 

I received an email Friday XX/XX/XXXX saying it was not approved because they could not verify my identification information, but if I believe this to be an error to return to the application and reapply. I did return to the application, I reapplied and since Friday evening it says my Apple Card application is currently under review, and they will send me an update when there is one to send. They indicate they will call me, email me, text me, or send a push notification, but I have received no updates in 4 days. 

I called on Friday to clarify that my second application went through, and they confirmed it did. I called on Saturday XX/XX/XXXX for an update and the agent only could say it was under review. I called on Monday XX/XX/XXXX and was told that on Saturday it " seemed to clear the verification but was still under review. '' It is now Tuesday the XXXX, 4 days after my application and I have not received a response on my application in minutes, hours, or even days. 

This is a clear UDAAP violation where it was advertising the cash back savings I would get by applying for and using this card for my purchase, but Goldman Sachs has failed to meet its commitment in its processing time. At this point I will be required to pay for expedited shipping to receive the computer for my daughter in time for school to start. So not only have I not received a response, my cost of this purchase has increased due to the delay in processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, while I was at work, I was alerted via text and push notification on my phone that my account was overdrawn, after investigating there were 2 charges on my debit card that were not made by me at XXXX and XXXX XXXX XXXX for {$430.00} and {$32.00}. I immediately called my bank, closed my old debit card and had them issue a new card, then opened a fraud investigation with XXXX XXXX. They then provided me a temporary credit in the amount that was charged and they said they would investigate. 

I then received a notice about 2 weeks later stating that there was NO FRAUDULENT CHARGES made and that the provisional credit will be removed on the XXXX. 

I need to re-iterate that i have never made any purchased on XXXX and these charges need to be re-investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-28
Company: Experian Information Solutions 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 am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding FRAUDULENT Account information that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 
I have also sent a letter to the creditor disputing ownership of this account, and demanding the immediate removal of the account, as well as the production of documentation such as transactional history, billing statements, and I have provided a copy of my FTC report and Police Report as I was the robbed and my identifying documents were stolen. My identity has been compromised any this account was opened fraudulently. The creditor has failed to respond to my request. 
Despite my efforts, the fraudlent account remains on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans

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