BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX 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 im XXXX  now.with no 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 2023-06-17
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I am writing to file a formal complaint against Western Union regarding a recent issue I encountered with their services. I am seeking your assistance in resolving this matter effectively. 

On [ Date ], I initiated two separate transactions with Western Union under the Money Transfer Control Numbers ( MTCNs ) XXXX and XXXX. The total amount transferred was [ $ XXXX ]. These transactions were carried out with the expectation that the funds would be available for collection by the intended recipient promptly. 

However, to my dismay, the funds were not available as promised. This left me in a state of frustration and inconvenience, as the intended recipients were relying on these funds for urgent matters. 

Subsequently, I contacted Western Union 's XXXX XXXX and raised a complaint regarding the unavailability of the funds. In response to my initial complaint, I received a communication from Western Union 's Customer Care team on [ Date ]. They mentioned a re-evaluation process that I would need to undergo. This process was not clearly explained, and it left me confused and concerned. 

I fear that some form of discrimination or unfair treatment may be involved, and I believe that transparency is crucial in resolving this matter. 

The primary purpose of my complaint was to address the issue of funds not being available as promised. I now request Western Union to provide me with detailed information regarding the re-evaluation process and its direct connection to my initial complaint. I strongly believe that clear communication between the company and its customers is essential for a fair and satisfactory resolution. 

I have already informed the sender to collect the refunds from Western Union 's agent locations, using the same MTCN numbers mentioned earlier. Nonetheless, I want to emphasize that the availability of the funds is of utmost importance to me, and I expect a swift resolution to this matter. 

I kindly request the Consumer Financial Protection Bureau to intervene in this dispute and assist me in obtaining a clear explanation from Western Union regarding their re-evaluation process and the handling of my initial complaint. I hope that with your intervention, Western Union will take prompt action to rectify this issue and ensure that such problems are not encountered by other customers in the future. 

I appreciate your attention to this matter, and I look forward to your prompt response. Please do not hesitate to contact me if you require any further information to proceed with this complaint. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: DISCOVER BANK
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:
Discover Bank, I have trouble recognizing an account on my credit report. It says I allegedly owe on a credit card, account numbers XXXX, and if you claim I owe the alleged debt, can you then provide me with account billing history, statements, and other proof that claims the debt is owed by me. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: CrossCountry Mortgage LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The Sr. Mortgage Loan Officer named XXXX XXXX of CrossCountry Mortgage failed to send us the correct closing documents in a timely manner, then attempted to tack on additional fees after we were left waiting to sign our closing package without providing notification. My wife and I had to send multiple corrections of errors to the Net Tangible Benefits disclosure forms, many of which were outright ignored. The company has purposefully delayed signing forms and not provided transparency in an effort to increase the closing fees. 

Our lock expiration date is scheduled for this upcoming Saturday, XX/XX/XXXX. We signed an initial closing disclosure on Tuesday, XX/XX/XXXX, after which, the company sent us a revised closing package on Wednesday, XX/XX/XXXX, to be signed again. We were waiting for the next steps to finalize, and in email correspondence, the loan XXXX neglected to notify us of the options available to close in time, then added a {$1000.00} filing deadline extension charge on to our closing fees with three business days remaining before our original loan expiration date. 

If the company fails to take the appropriate action within the next 24 hours ( outlined in the next field ), then we will miss our expiration date by no fault of our own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
Dear Sir/Madam, I am writing to dispute a fraudulent account that has appeared on my Experian, XXXX, and XXXX credit XXXX. I recently discovered this unauthorized account, and I firmly believe that I am a victim of identity theft. I kindly request your assistance in investigating and removing this fraudulent account from my credit reports. 

Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2023 Outstanding Balance : {$140.00} Reasons for Dispute : 1.Lack of Awareness : I have always maintained a diligent approach to monitoring my financial activities and credit reports. However, due to the sophisticated nature of the fraudulent activity, I was unaware of the existence of this account until recently. This highlights the covert nature of the identity theft, making it difficult for me to detect the fraudulent activity at an earlier stage. 

2.No Record of Transaction : Upon thorough review of my financial records, I have found no evidence of any transactions or agreements with XXXX XXXX XXXX . This further strengthens my belief that this account is fraudulent and has been opened without my knowledge or consent. 

3.Violation of Fair Credit Reporting Act ( FCRA ) : The presence of this fraudulent account on my credit reports violates my rights under the FCRA. As a victim of identity theft, I have the right to accurate and up-to-date credit information. The inclusion of this unauthorized account damages my creditworthiness and may result in adverse consequences for my financial well-being. 

4.Legal Rights and Responsibilities : Under the FCRA, I have the right to dispute any inaccurate or fraudulent information on my credit reports. I am also entitled to a fair and timely investigation by the credit reporting agencies. Therefore, I kindly request that you initiate an investigation into this matter and take appropriate actions to rectify the inaccuracies caused by the fraudulent account. 

I kindly request that you promptly investigate this dispute and take the necessary steps to remove the fraudulent account from my Experian, XXXX, and XXXX credit reports. Additionally, I request that you provide me with written confirmation once the investigation is complete and the fraudulent account has been deleted. 

I appreciate your attention to this matter and your assistance in resolving this fraudulent account issue. Please do not hesitate to contact me if you require any further information or documentation. I look forward to a swift resolution to this matter and the restoration of my accurate credit information. 

Thank you for your prompt attention. 

Sincerely, 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 2022-06-14
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XX/XX/XXXX, I received in the mail literature from Wells Fargo outlining a promotion to receive {$400.00} for opening a new checking account with direct deposits totaling {$1000.00} within the first month. The promotion was to be applied within four months. 

XX/XX/XXXX, I entered a local branch to open a new checking account in order to receive the promotion. A banker facilitated the opening of the new account and verbally confirmed I qualify to receive the promotion due to the bi-weekly direct deposits I scheduled for my paycheck. The banker informed me I could avoid service fees by opening an accompanying savings account to the checking account ; so I followed the banker 's advice. 

XX/XX/XXXX I called Wells Fargo Customer Service because I had noticed a recurring service fee for the savings account opened XX/XX/XXXX and still had not received the {$400.00} promotion. During this phone call I received a reference number regarding the {$400.00} promotion and a complaint number regarding the service fees. 

I received a reversal of the service fees XX/XX/XXXX. I was told to follow up regarding the {$400.00} promotion if I had not heard in 10 business days. 

After the phone calls on XX/XX/XXXX, that same day I received digital communication via a secure inbox regarding the service fees. 

XX/XX/XXXX I received digital communication via secure inbox that the concern regarding the service fees was closed. I agree to this outcome. Meanwhile, I had not heard back regarding the {$400.00} promotion, so XX/XX/XXXX, I called customer service and provided the reference number for the promotion. 

The representative told me the reference number did not exist. After explaining the situation again, the representative did more research and discovered the case was closed. I was never informed of this " case closure ''. I do not agree with this outcome due to the fact I followed the advice of a banker in order to to receive the promotion. Knowing Wells Fargo has closed this complaint, it is clear the banker provided misinformation to me in order to persuade me to open an 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 explanation
Consumer complaint received 2023-11-27
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
Ive used Cashapp ( Block ) as Im going through social security XXXX process and have very limited cash to survive on at this point. They offer an instant overdraft coverage with monthly payroll direct deposit of {$300.00}. 

Last week they removed this feature from my account and all they will say is I fail to have PAYROLL in the amount of $ XXXX. 

This is at the very least an age discrimination policy that the employees can not seem to explain to my small mind. 
Repeating policy is unacceptable and insulting when I started by asking why a monthly payment from XXXX was not accepted as income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 have complained about this reporting of my medical bills Surprise Act of 2022 says they should not be reporting medicall bills over XXXX. These medical I don't know who Is the reporting company. Their is no name, I have attached a screenshot of the 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 2022-12-27
Company: EQUIFAX, INC.
State: TX
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Block, Inc.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 at XXXX, a direct deposit from my job was deposited into my account for the amount of {$930.00}. This same day, I attempted to use part of the funds to pay my rent and notified my account has been frozen. I contacted cash app support ( via the chat portion of the app ) at XXXX the very same day and informed them of my account being frozen and would like to know why. A rep got back to me at XXXX, stating I would need to submit several documents to have my account unfroze. They informed me, once this was completed, they would get back to me in 48hrs. I submitted all my documentation that very day. After 48hrs on XX/XX/XXXX, I called customer support and was told it would now be 10 days until special Teams could review my case. When asked why my account was frozen, I was told they could not give me a definite answer. I explain to them the severity of my situation, and how I need access to my money in order to pay my rent and buy food for my family. I was told there is nothing they could do. On Tuesday XX/XX/XXXX I recorded this message via email Hi XXXX, Looking at your account, I can see that the suspension on your account has been resolved before I was able to respond. Im so happy to see that all is solved!

Thank you, Cash App Support I checked my account and my funds were still frozen. I reached back out to support on the XXXX at XXXX to inform them of the email and not having access to my funds. I was given no explanation as to why this email was sent but was instructed to re submit all the previous documents submitted on the XXXX and to allow 48hrs for them to process. I contacted customer support today, XX/XX/XXXX ( 48hrs later ) to inform them my funds were still frozen and that I have not been able to pay my rent or buy food because of this and was told they did not have an answer for me. My funds are still currently frozen and I am not getting any assistance from cash app as to why this is or when my funds will be available to me. Im in danger of losing my home and have no food in the home that I share with my XXXX XXXX  children

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2021-12-14
Company: CITIBANK, N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I paid someone {$180.00} out of the balance of my XXXX Account. In order to get the money out of my account I had to connect another financial institution to my account ( which I was not aware of when I created the " free '' account ). I am not comfortable giving these companies my bank information, so I linked my Citibank account. 

Today, in looking at my statement with Citibank, I see that I was charged a {$10.00} " cash advance '' fee, plus {$2.00} in interest. In addition, it looks like XXXX charged my {$5.00} as well. I was never made aware by either XXXX or Citibank that I was going to be charged any fee for this transaction. When I called Citibank they told me this was " customary '' for this type of transaction, however, again, it isn't customary for me and I was not made aware. 

When I tried to close my XXXX account they said I needed to link a bank account to close the account -- I'm not sure why, but I'm guessing it is to collect this {$5.00} fee they never told me about. I don't want to use this company and don't want people depositing money in XXXX that I can not access without a fee. 

I feel like charging these fees without making the customer aware at all is incredibly deceptive. I must be the only one who thinks so because it is apparently common practice, but I would like to see the government offer protection against these huge financial institutions against such deceptive practices. I have a business degree and my husband is a XXXX XXXX, if they can deceive me I can only imagine what they can do to people far less informed.

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 2023-01-18
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: IN
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation