BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
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:
On XXXX XX/XX/XXXX, I submitted a complaint due to improper use of my credit report by Transunion, XXXX, and XXXX. Today is XXXX XX/XX/XXXX and I have not received anything in regards to the fraudulent items being removed from my credit report. After submitting identitytheft.gov affidavit more than XXXX times- I still have no response. I have requested to receive validation made pursuant to the Fair Debt Collection Practices Act ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation. Please also be aware that the negative marks found on my credit reports ( including XXXX, Transunion, and XXXX ). As a victim of identity theft, the credit bureaus have continued to defame my name, provide negligent enablement of Identity Fraud and violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Tracking number sent Certified Mail Receipt from XXXX XXXX XXXX XXXX XXXX Transunion XXXX The credit bureaus stated my accounts were investigated but how is it possible when the open dates are inaccurate, the last active is inaccurate, the date last reported is incorrect. This is grounds for removal as well as my rights being violated under 15 USC 1681 section 602 A : I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : a consumer reporting agency can not furnish an account without my written instructions. As well as taking more than 30 days to respond from my initial request for validation. This identity theft has resulted in loss of funds and lending.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account 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 602 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-11-13
Company: National Collection Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, I have been made aware that a credit charge has been placed on my national credit report by XXXX XXXX University and it has been made fraudulently. I have had this discussion with their school officials and Ive told them numerous times I was never enrolled at their institution. It was an XXXX advisor who made this decision on her own fruition after she made notes on the account that she couldnt reach me or and still made a conscious effort to vindictively enroll me without my consent. They kept asking me to write a letter stating this and I told them no because its an admission of enrollment and it wouldve protected and absolved the employee from all responsibilities of what she took upon her to do with out my approval and with any consent, fraudulent on behalf from me. I never confirmed enrollment with any representative at XXXX XXXX University. 

I have spoken to numerous representatives, most of the encounters were unpleasant Kurt and rude, some were deceitful and only a few were understanding and kind .I told them I dont agree with what was done and I think it was a biased and prejudice move and that writing a letter would suggest that I did agree to enrollment, and not one XXXX Representative that I spoke to tried to even correct the matter. This so-called XXXX specialist, documented Im some note taking system that she never spoke with me after our initial conversation of me expressing intention and interests and according to her, as I was quoted by another representative it was like I, ( XXXX XXXX XXXX XXXX dropped of the face of the planet, because she never spoke to me or heard from me again. I am a XXXX individual and Im sure she didnt hear from me again is because Im battling a XXXX XXXX XXXX illness. Knowing all of this brother this XXXX specialist or her colleagues could help me resolve this issue. All in all, she still thought it was a great idea and continued to go ahead with the fraudulent enrollment illegally and without my consent. Then, XXXX XXXX had the unmitigated gaul and audacity to turn this over to a collection agency, National Credit Management for {$13.00}, XXXX I have contacted Federal Student Aid, XXXX, US Department of Education, Office of Inspector General and the local news outlets to help me get this resolved for good. I am extremely hurt and disappointed by what XXXX XXXX made a conscious decision to do and also in their lack of understanding in attempts towards resolving this as well. Filing these fraud charges against XXXX XXXX is the only way its going to get permanently resolved, removed and dismissed. 

I can be reached a XXXX to further discuss how this is going to be resolved and rectified by XXXX and its representatives. 

Respectfully submitted, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-03-13
Company: TD BANK US HOLDING COMPANY
State: MN
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:
Following issues in linking a new bank account to target financial, I was provided an error message citing XXXX as denying my ability to use my bank routing number. It told me to request a consumer file and upon doing so would have the right to file a dispute. I contacted XXXX as instructed in the consumer file disclosure and their agent told me the decision was final, that they do not have a dispute process, and recommended that I pay Target in cash. I recorded the representative telling me that XXXX will not accept a dispute from me and am disturbed that they are not willing to allow consumers to fix errors such as this one. XXXX is refusing to allow me to dispute incorrect information about my account which is in use without issue at numerous other companies and for direct deposit without issue and has a balance of thousands of dollars. The recording attached showcases what I was told as a consumer after following the instructions in their disclosure letter to call a specific phone number, provide a tracking number, and request to dispute. Target has so far only been able to blame XXXX and is refusing my payments based on their decision. I have advised them if they are not willing to fix this I plan to close the account of 14 years as I find it offensive to be accused of fraud given my current status as a Target Contractor, account holder of 14 years, and having no prior history of late/missing/bounced payments of any kind in store or online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a checking account with BMO harris bank because there is a promotion of {$500.00} if I transfer {$5000.00} to the account. But after I did all the required funds transfers, they did not honor that promo. 

What is even worse, they charged me monthly fee of {$25.00} even though my balance has been above the " fee waiver '' threshold. I tried to close it or transfer funds online, and the online account says those transaction are not permitted for my accounts. I called them to close, they said I have to go to the bank personally. Now I live in a place where there is no branch close by. BMO has already deducted {$170.00} from my account, and it is still going on. I never had such bad experience before. 

I request to close this account and they shall also refund me all the fees they deducted for doing nothing. 

Thank you for helping!

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 2023-03-13
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: Their investigation did not fix an error on your report

Complaint:
I HAVE LETTERS FROM TRANSUNION ON XX/XX/23 AND XXXX XX/XX/23 AS IT PERTAINS TO A " BANKRUPTCY " THAT I FOUND ON MY CREDIT REPORT, AND I CHALLENGE THE ACCURACY, COMPLIANCE AND REPORTABILITY OF THIS LISTING.AND I ALSO ASK BOTH ( TRANSUNION & XXXX ) TO VALIDATE THIS INFORMATION WITH THE ORIGINAL CREDITOR... BOTH CREDIT BUREAU 'S SENT LETTERS BACK. 
XXXX : THE COMPANY THAT REPORTED THE INFORMATION HAS CERTIFIED TO XXXX THAT THE INFORMATION IS ACCURATE. 
TRANSUNION : VERIFIED AS ACCURATE

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 2023-03-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023, I requested to Wells Fargo, who is the lien holder for my home mortgage, my PMI be removed. They sent me documentation on how to cancel PMI using new property value. I met all of their must haves ; no past due payments, no 30-day late payments in the last 12 months and no 60 day late payments in the last 24 months. Now the other " stipulation '' they have is that I must have an appraisal completed through a company called XXXX and my property must be valued at a {$470000.00} figure or more which will then bring my XXXX ratio to 75 % and PMI can then be removed. Being I had an appraisal done a week or two prior this request, which was also above {$490000.00} home value, I called Wells Fargo few times from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and asked if that could be used in place of XXXX and they said no. I asked why and they said I had to use XXXX as they are an independent, certified appraisal vendor who is not affiliated with the customer or us ( Wells Fargo ). They complete all valuations to ensure that our ( Wells Fargo ) customers get an unbiased assessment of the property 's value. I argued that the appraisal I got through my XXXX XXXX XXXX is also an independent, certified appraisal who is not affiliated with the customer ( me ) or you Wells Fargo. They decided to take a review of my appraisal and then declined using it saying that the cancellation options for PMI stipulate that the valuation must be requested in writing and the appraisal must be ordered through XXXX. I escalated this argument to the XXXX Office Case XXXX, XXXX XXXX XXXX XXXX and received a letter back on XX/XX/XXXX, XXXX stating the above.

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 2023-04-11
Company: NORTHWEST BANCSHARES INC
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We opened an online savings account with Northwest Bank and we assured, in an email from the customer service person that opened the account, that if we needed to withdraw a large amount of money that we could do so by visiting a local branch. We were told that a cashiers check could be obtained anytime. We had an initial deposit, on XX/XX/XXXX, via a bank to bank transfer. We then made and additional XXXX deposits, XXXX cash on XX/XX/XXXX and XXXX via another bank to bank transfer on XX/XX/XXXX. After having numerous problems with the bank we decided to just continue with our original bank. I visited the local branch on XX/XX/XXXX, to closer the account and was informed that I could not because our funds were being held. The branch manager brought me into her office and made some calls to find out why our funds would be held, as they were bank to bank transfers and a cash deposit. The bank that the funds came from showed that they were indeed transferred. While on the phone, she was informed that she had the ability to lift the freeze on the funds but seeing as I was a new customer, she did not want to do so. She could not understand or give me an explanation to why this was being done and agreed that the funds should not be frozen. She was going to file an internal complaint for me on Friday XX/XX/XXXX. Not having any luck with someone reaching out to me, it is obvious that they are going to hold funds until XX/XX/XXXX and XX/XX/XXXX, even though there is no explanation and with the acknowledgement that the funds are there. We would like someone to help us retrieve our money from Northwest Bank.

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 2023-03-13
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 have been a customer of MoneyGram for more than XXXX and on XX/XX/XXXX of 2023 I sent money to my Mother for medical needs via MoneyGram and this type transaction normally take about 5minutes for the receiver to obtain their money but today is XX/XX/XXXX of 2023 and the receiver ( XXXX XXXX XXXX XXXX ) still has not obtain the money ( {$2000.00} ). 
I called MoneyGram and they have not gave me a solution to this issue. 

I have been working really hard to save that money and send it to my mother because she needs it for medical expenses. 

I need my money back so i can send it another way because she needs it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XX/XX/2022, we submitted the online form to have the cash value of points direct deposited to a checking account. When this did not happen, we made multiple phone calls, received conflicting information about how long it took, and finally, at the suggestion of a supervisor, filed a dispute that was confirmed by a letter from Comenity on XX/XX/2022. This gave the bank 90 days to resolve the issue. We received a letter in XXXX, dated XX/XX/XXXX, that says " We are currently working to resolve this issue and append the points used back to your account. When this did not append, I called on XX/XX/XXXX and spoke to a supervisor again and was promised resolution. I followed up on XX/XX/XXXX and spoke with a supervisor and a manager who also promised resolution. Since it has been over four months since the original form was filed, we have little hope that Comenity will willingly give us the money owed through the points program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called in XX/XX/XXXX to receive a refund of my payments made to Mohela & XXXX XXXX ( after they transferred to Mohela ). I received a partial refund in XXXX and called to follow up about additional refunds. They told me it would take an additional 30-60 days because of the transfer but did not inform me that no request was ever put in for refunds prior to transfer. When I called back in XXXX of XXXX I was informed the request for the XXXX  refund was not put in on XX/XX/XXXX instead of when I called in XXXX and it would take 60-90 days from that point. No balance has been updated, no refunds have been provided, and my call in XX/XX/XXXX I was informed theres now no timelines. It has been 5 months since my original call and this was clearly an error on their part for not having put in the request for the payments sent to XXXX until a later date without ever having informed me of this.

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 2023-03-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Please validate this information and provide with me the copies of any documentation associated with this account, bearing my signature. 
In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: NY
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 recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following XXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? __ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name. 

15 U.S. Code and 1681c-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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries 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 CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

Company response to consumer: In progress
Consumer complaint received 2023-02-03
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: Credit inquiries on your report that you don't recognize

Complaint:
This is a collection account I demand these account be removed because they are importing in accurately across all three bureaus please remove all accounts that are not METRO 2 COMPLIANCE

Company response to consumer: Closed with explanation