BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: EAST WEST BANK
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This Complaint has been directed to your complaints/fraud department ; therefore, we shall reasonably assume that it has been received by the correct party. It is critical that the relevant officials be made cognizant of an ordeal I have suffered as a result of internal failures and violations of law at your company. 
2. Description of the Incident 3. Around XX/XX/2021, I became a victim of a complex scam scheme orchestrated by XXXX, also referred to as the " XXXX '' or the " XXXX ''. They have created, developed, manufactured, promoted, marketed, distributed, labeled, and sold fraudulent " investment services '', which aim to rob and defraud clients by using a predetermined cycle of losses to gains.

It is important to note that the scammer, registered as " XXXX XXXX '', is a client of your organization and has been committing financial crimes right under your nose. This includes stealing and laundering large sums of money on a regular basis. Shockingly, using your services, money totaling XXXX USD was transferred from my XXXX XXXX and XXXX XXXXk accounts. 
I hope you understand the gravity of this situation and the extent of harm caused to me and potentially other victims. I urge you to take immediate action to prevent any further financial crimes committed by this client or any other fraudulent entities using your services. 
4. Against this background, I hereby respectfully file this Complaint against your company, an internationally recognized and respected financial institution. The Complaint meticulously states several recognized and viable causes of action, inter alia, negligence, breach of implied contract and other similar claims for which I seek damages, as well as attorneys fees and costs, to the fullest extent permitted by law. 
XXXX. The allegations contained herein are predicated upon personal knowledge, and upon facts obtained through investigations or analyses conducted by qualified third parties and media reports. I strongly believe that substantive evidence in support of the allegations set forth herein will be found after an appropriate opportunity for discovery. 
II. FACTUAL BACKGROUND AND GENERAL ALLEGATIONS A. Overview 6. I am a victim of an incredibly sophisticated investment fraud scheme, where crooks systematically disguise themselves as a legitimate and trustworthy entity in order to illicitly exploit the vulnerabilities of unsuspecting investors and con them out of their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage with XXXX XXXX XXXX was sold to Carrington Mortgage Services in XXXX 2016. Beginning with my XXXX 2016 mortgage payment, I started making my payments directly to Carrington and it has been a non-stop litany of problems since then. I have yet to receive a payment coupon book. I have now made 3 timely monthly payments, per the terms of my mortgage, yet none are posted correctly without a lot of intervention on my part. I receive harassing calls at work at least once a week saying my account is delinquent despite the money arriving there on time or ahead of schedule. I 've also received at least one delinquency letter. I have yet to receive a XXXX form for 2016 for my taxes. Their website lists one monthly amount due yet their customer service reps indicate another amount is due ( the difference lying in the escrow payment ... not late fees, principal or interest ). I feel this is a pattern of behavior designed at best to generate additional revenues in fees, and at worst, to create an event of default allowing them to take my home despite my making all of my payments on time. My only proof of payment is my bank statements and receipts generating by their website when I make the payments, but I am afraid this will be insufficient in the event that I need to rely on them. At this point I am debating refi-ing my house in the hopes of never having to deal with Carrington again, although they seem to play games during the refi process as well. I am a highly educated, gainfully employed XXXX. I hold a XXXX and know many attorneys through my job and in my personal life ... I do n't know at this point my best option is to send an attorney letter to them or what my best course of action is as I feel powerless over what Carrington chooses to do with my payments and what they choose not to do. The BBB website has at least XXXX pages of complaints very similar to mine ... most of them stemming from mortgage transfers by XXXX and XXXX ... and the company has a XXXX disapproval rating. There are many, many complaints against them on other legitimate, reputable sites as well. I got your web address from the FTC in hopes that you can intervene in some fashion. Their business practices are most definitely predatory and likely intentionally unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2023-02-21
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In conjunction with complaint XXXX. XXXX XXXX wrote check to me XX/XX/23 for {$8000.00}. Check # XXXX deposited XX/XX/23 into my checking account ( XXXX XXXX ) at XXXX XXXX. XX/XX/23 at XXXX XXXX  I was emailed to contact PNC Bank XXXX by XXXX XXXX  that day. I got home from work at XXXX XXXX  and called. The office closed until Monday. No other department could help me. So, they bounced the check due to lack of signature card on file. REALLY, people do work and can not access their emails. And you give me 6 hours ' notice you are bouncing a check for no reason? This is a new account due to PNC accepting a fraudulent check on our old account ( new acct ending in XXXX ). 10 checks had cleared on this account prior to the bounced check. I appeared in person at the XXXX, XXXX branch on XX/XX/23 and withdrew {$620.00} in cash. NO ONE EVER MENTIONED THAT WE NEEDED TO SIGN NEW SIGNATURE CARDS! Why would the signature cards from the old account not automatically transfer with the money?? So, I had another problem with checks that were going to bounce. I withdrew the money from another account to cover them. My XXXX XXXX XXXX XXXX father had to get his XXXX XXXX XXXX sister to drivXXXX him to the XXXX branch to resign a signature card after being a customer for 35 years. PATHETIC. This isn't a bank, it's a joke. You can call 50 times and you will receive 50 different answers to your questions. No one has a clue what's going on. I feel this was retribution for my filing the original complaint mentioned above. Surely they can not be this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
I WENT OBED ON XXXX XXXX WHENI WOKE UP IT WAS MONEY MISSING OFF MY CARD I CALLED RUSH CARD TO DESPUTE AND WAS ON THE PHONE WITH THE FRUAD DEPARTMENT MORE MONEY STARTED TO COME OFF MY CARD BE FORE SHE STOPPED MY CARDS THEY TOOK A TOTAL OF {$2400.00} I WAS TOLD THAT I NEED TO COMPLETE THE FORMS AND THEY WOULD EMAIL XXXX THE FORMS IT WOULD TAKE 3 HOURS IT TOOK OVER 5 CALLS AND 18 HOURS TO RECIEVE I FILED A POLICE REPORT AND COMPLETED THE FORMS AND FAX BACK IN ON XX/XX/2017 THEY EVEN WIRED ME MONEY OFF MY ACCOUNT BECAUSE I DIDNT HAVE MONEY TO GET TO WORK TILL I GOT MY NEW CARD I SPOKE TO MULTIPLE CSR EVERYDAY AT RUSH CARD THAT SIAD MONEY WILL BE RETURNED ON OR BEFORE THE XXXX OF XXXX ON XXXX XXXX AT ABOUT XXXX I SOPKE WITH A REP AND WAS TOLD THAT IT WILL BE BACK ON MY CARDLATER THAT DAY I CALLED BACK LATER WAS TOLD THAT IT WAS A DECISON MADE AND I WASNT GETTING MY MONEY BACK I HAVE APPELLED THE DECISON AND IS REQUSTED FOR ARBITRATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX, Transunion, XXXX XXXX, and XXXX XXXX are refusing to remove this inaccurate information from my account. To date as of XX/XX/2023 I have not received any documents providing the requested debt validation items they should have within their files as they've only stated the information they have is correct. How is the information correct, what information do you have within your system, who completed the application, where is the credit card application, send every single file and not a credit card statement. 

Credit Bureaus REMOVE this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My debt to income ratio is grossly incorrect. Most of the debt is mortgage debt and does n't account for rental income. With rental income included, my debt to income ratio should improve dramatically.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: United Student Aid (USA) Funds
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have been paying for my student loan for over 10 years and the interest rate continues to change and the loan is not lowering at all. I am with Navient. They even refused to send me the end of year tax statements. I had to get an attorney to get them to send me my end of year statement. I have not received one in over 4 years to file on my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Good Day When I dispute my credit report first and foremost there is nothing in the system showing that they received the disputes, however, when I called Experian, they told me the dispute has been verified but there is nothing in the system to show that. 

I am constantly sending disputes and there is nothing in the system showing it. The last time Experian shows in the system is XX/XX/2022. I have been disputing my account long past that.

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 2021-08-14
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:
I've been in contact with all 3 Credit Bureaus Trans Union, XXXX  & XXXX i regrades to the misleading & incorrect information reporting to my credits. These accounts have prevented me from employment, I receive harassing phone call and threatening letters i requiring me to pay or else. This is direct violation to the Fair Credit Reporting Act and there are multiple violation impacting my privacy rights. Im going to list everything below. I recently disputed the accuracy of the student loans that were reporting incorrectly to all 3 credit bureaus. Trans Union was the only bureaus that honor their mistakes and deleted them. They will also be listed below. Its been past 60 days XXXX  and XXXX  should have also deleted these items as well. 

Trans Union : Hard Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  : Accounts : DEPT OF ED/ XXXX XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$24000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$23000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5700.00} Hard Inquiries : XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX & XXXX XX/XX/XXXX XXXX  : Accounts : DEPT OF ED/ XXXX XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$24000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$23000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5700.00}

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 2023-05-01
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a card in the mail on XXXX XX/XX/2023 from U.S. Bank with my name on it at my address. 

At no point have I ever applied for any such card or had any contact with U.S. Bank, No email, url, or phone number was provided with the fraudulent card from U.S. Bank. This, made it impossible to for me to deal with them directly. Furthermore, the address provided was a Post Office Box only to interfere with my reporting this fraudulent firm to the local police and filing a criminal complaint.

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 2023-05-05
Company: Experian Information Solutions Inc.
State: FL
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report, which violates FCRA. The TRANSUNION Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; 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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-08-14
Company: MONEY SOURCE, INC., THE
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up to my previous complaint. The Money Source still owes me an escrow refund from XXXX. Also, they misapplied my XX/XX/XXXX payment. My payments are made directly to the Money Source and not the Chapter XXXX Trustee. They are not authorized to move my mortgage payment I made directly to TMS to a trustee fund that I know absolutely nothing about. The trustee does not take or manage my mortgage payments. TMS is committing fraud and trying to make it appear as thought I am behind on my mortgage payments. My post petition payments have been paid in full each month since filing for Chapter XXXX 4 years ago, and TMS representatives are lying in the statement they submitted below.

" There are no additional surplus funds owed Ms. XXXX. Regarding the payment status, the Borrower is making payments within a Chapter XXXX Bankruptcy Plan. However, TMS frequently receives partial payments of varying amounts from the Borrower, rather than the full contractual monthly amount of {$1700.00}. Partial funds are placed in suspense until the full payment amount can be applied. As of the date of this letter, the contractual due date is XX/XX/XXXX and there is a suspense balance of {$500.00}. '' Also the {$500.00} should be credited to my XX/XX/XXXX payment. My account should show as current with only the XX/XX/XXXX payment due at this time. I paid my mortgage in XXXX and those funds need to be applied correctly. The trustee does not take, accept, or manage Chapter XXXX payments on my behalf. This is FRAUD! My XX/XX/XXXX payment needs to be applied to my XX/XX/XXXX mortgage payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: IL
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:
I received an email from Experian that someone had tried to open up a loan in my name using my credit report. The company also stated that they used my information to also open up a savings account in my name as well. Ive called XXXX and they have frozen/ stopped the account and the inquiry and I also called Experian and they took off the credit report from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  and Experian are both reporting incorrect information on my credit report. they are both reporting an account from XXXX XXXX, that does not belong to me. the address that they are reporting does not belong to nor have i ever lived there. i asked them to provide me with verifiable proof and they have not. they have not produced any documentation, no binding agreement contract, no signature that belongs to be. they have only produced an itemized bill, which proves nothing.

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