BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: WESTERN UNION COMPANY, THE
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
1. Funds transferred in 2 tranches via Western Union app to transfer funds from XXXX XXXX XXXX Account in XXXX but the money was not received by the mentioned recipient for 10 months and WU is not responding lately. 
2. 1st tranche was of {$5000.00} made on XX/XX/2022, XXXX XXXX XXXX 
3. 2nd tranche was of {$4500.00} made on XX/XX/2022, XXXX XXXX 4. Called Western Union customer care between XXXX - XXXX to check the status of transfer but they only claimed the the amount is transferred to XXXXXXXX XXXX  in XXXX but did not receive conformation of the amount credit to the mentioned recipient. 
5. Western Union Customer service rep provided RRN 's which are no good to trace funds within XXXX. 
6. Filed a complaint to aroc.errorresolution@westernunion.com and received CASE numbers XXXX & XXXX for both the transactions respectively. 
7. After 10 days of follow up with Western union customer care, I get to know the amount is credited to beneficiary other than what I mentioned while filling the details in WU app due to 1 digit entered incorrectly.

8. I requested for refund to WU to which they mentioned wait time is 35 working days. The Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX mentioned the amount is credited to the beneficiary account whereas the mentioned recipient did not receive the funds. 
9. I've been writing emails and making calls to WU but WU says the case is closed and not responding anymore to my emails. 
This is my family 's hard earned money and because of Western Union 's fault I am a loss of money, time and peace for last 10 months. 
** Primary reason I noticed while using WU app is when you mention the beneficiary details the entire account number gets masked and you are not able to review the account information you've entered except the last 4 digits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: NJ
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX  OF XXXX XXXX XXXX XXXX Account name : XXXX  OF XXXX XXXX XXXX Account name XXXX XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX  XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name XXXX XXXX, XXXX, & XXXX # XXXX Account name : XXXX XXXX  XXXX  # XXXX has violated my rights. 

These accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items if information. Any other adverse item of Information, other than records of convictions of crimes which anecdotes the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-07
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I hope this message finds you well. I'm writing to express my concerns regarding the reporting of my charged-off American Express credit card account on my credit report. 

This account has been officially charged off, however, it continues to be reported as a 'charge-off ' on my credit report every month. As well as reporting No Data for some months. This repetition implies that a new negative event is occurring each month, which is not accurate. 

Under the Fair Credit Reporting Act, a charged-off account should be reported as such once, not on a continuing monthly basis. The continuous reporting of the charge-off is negatively impacting my credit score in an undue manner.

This incorrect reporting has significant consequences on my financial standing and potential for future credit opportunities. I kindly request your assistance in rectifying this issue to ensure that my credit report accurately reflects my financial history. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-11
Company: Movement Mortgage LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage company allowed me to go into the covid forbearance program. In XXXX of XXXX I reached out to advise I wanted to come of the forbearance and start making my reg payments! When I entered into this program I asked detailed questions about the process and was advised that it was very simple, no paperwork or anything would be needed! Well when I called in XXXX of XXXX, I was advised I'd get a call back with others! 
Come XXXX of XXXX, I still had not heard anything so I called and they advised I had a pay my due and paper work was fed ex to me! I advised I never got it and if they had a tracking number. I was then advised I'd get a call back! 
I got a call back and she had advised me the paper work never went out, and that she would work with them to reprocess everything! 
In XXXX of XXXX, I got a letter from my homeowners ( nationwide insurance ) that my home owners insurance had not been paid! I also, got a letter from my mortgage company advising me that I they were going to force new insurance because my policy had not been paid! I call them and the escrow XXXX comes back and says they will take care of it! 

Meanwhile the modification XXXX reaches out and says, that the original plan won't work because I had prev modification ( when my mother was XXXX XXXX and they needed a lot of paperwork, and wanted to process a full review, and that they had known this 4 months and just didn't call me or tell me! I finally get all request for paperwork for in XXXX! Meanwhile my home owners insurance pay my went out from my mortgage company but after the lapse date! I get a letter from them saying my insurance policy lapsed and now my mortgage company is saying they will do forced insurance! I'm so stressed with this process, they are not telling me stuff in a timely matter and if my home was to catch fire I'd have no coverage and if they make me get forced insurance then it could be less coverage and very expensive! I can't get anyone on the phone and they just seemed not want to help or take my calls! I feel like they are trying to make things hard on me! 
My mortgage company is Movement mortgage I took out the loan in XX/XX/XXXX My loan numbers is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX And this is my primary residence for myself and my XXXX children! I'm afraid they are trying to take my home or something

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I want to send in a complaint against Bank of America. I was a former customer of Bank of America in XXXX and closed my account with them. For some reason on XX/XX/2023 I received an email saying congratulations on opening up your new checking account ending in XXXX I was confused because I didn't open an account with them. I contacted the bank on XX/XX/XXXX they told me they put a fraud alert on the account and that it was closed I was supposed to receive fraud documents to fill out in 3-5 days I never received the documents, claim number, or any information about the account. I called again on XX/XX/XXXX I was bounced from department to department until I finally reached someone I was told that the email was sent but I still haven't received anything. I called back on XX/XX/XXXX and I was informed that someone just so happen typed my email address wrong that's why I never received any documents. I called on XX/XX/XXXX to follow up and I still didn't receive the documents they told me they were going to resend the documents. I called back on XX/XX/XXXX they were going to resend again. On XXXX the XXXX after almost a month I finally received the fraud documents to fill out and fax in. I was told that the fraud team was investigating the IP address and tracking down who was responsible for opening up the account. I received a letter on XX/XX/XXXX that the matter was closed and the account was going to be moved from my credit report. The issue I have is Bank of America never told me who opened the account, the IP address if this was opened online or in person if the person was overseas or in the States so that I could press charges or investigate on my end further information. Bank of America did not provide that they just closed out my claim without any further information. I find it strange that I received no information on the account, was left in the dark, and was treated as if I was the one opening the account by going round and round with Bank of America. My significant other has an account with Bank of America and when someone used his information to commit fraud Bank of America was able to locate the person that committed the fraud and found out they were in a different city and state. I find it strange I didn't get that same service. Other customers have complained that they had old accounts with Bank of America and they too received an email that an account has been opened in their name and did not receive any information as well. I want to have this matter looked into further to make sure it is not an inside job and the bank is just randomly opening up accounts to make quota or if this is an individual or individuals that got my information from a data breach or something like that. I need answers! 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 explanation
Consumer complaint received 2022-02-12
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is an inaccurate collection on my credit report. I sent a DEBT VALIDATION AND VERIFICATION REQUEST to T.C.S on XX/XX/23 via certified mail. I have not received the requested information at the time of writing this. The account is now showing as closed as of XX/XX/23

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Citibank, XXXX, XXXX South Corporate Place, XXXX XXXX XXXX SD XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALISXXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Citibank On XXXX applied for a credit card as you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Citibank has violated my federally protected consumer rights : XXXX. 15 U.S Code 1642 2. 15 U.S Code 1681M XXXX. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. Citibank should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 


BEST, XXXX, XXXX L Without prejudice, all natural inalienable rights reserved.

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 2022-02-11
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On or about XXXX XXXX, XXXX, NewRez transferred the servicing my account from XXXX to its own Shellpoint. On XXXX XXXX, XXXX, Shellpoint charged my account {$0.00} and titled it " Default Related Cost Assess ''. I have never authorized this fee or defaulted. On XXXX XXXX, XXXX, Shellpoint charged my account {$360.00} and titled it " XXXX XXXX  XXXX XXXX ''. I did not authorize this fee. NewRez via XXXX has had my account for approximately three years and at no time was I asked for proof of insurance. I was told by Shellpoint that they sent me two letters asking me for proof of insurance, which I did not receive. I asked if their letters were sent certified mail and I was told " no ''. I told XXXX XXXX, Shellpoint 's customer representative, that I have insurance and that they never asked me for proof. I told her that I do not know if it is a requirement that I have it or provide it. She said that the fee will be collected from my monthly payments. If my monthly payment is used to pay Shellpoint back, my payment will not be complete and it will change my entire Amortization Schedule. My loan is modified and if I miss a payment, the entire modification can be voided. She also said that they will not remove the fee and will continue to charge my account. I asked for the date the policy was issued and she said XX/XX/XXXX and said is with XXXX and that the policy number is XXXX. Shellpoint was just sued through its owner, XXXX XXXX XXXX. in a class action lawsuit [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Shellpoint Mortgage Servicing, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX for forcing hazard insurance and taking kickbacks. The case closed in XXXX but the court still has jurisdiction over it. I plan on writing the court. Shellpoint told me that my contract required it but did not show me proof. Since Shellpoint is New Rez, why are they claiming not to have the information? New Rez didn't ask me for it when they serviced my loan. I believe Shellpoint is getting kickbacks from XXXX XXXX. It never told sent me a letter asking me for proof of my hazard insurance. And now it claims that because I did not respond to the letters, that they forced the insurance onto me. My insurance remains with XXXX XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation