BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-17
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I received 16 emails from Western union about my account was updated, my password has been changed and money transfers followed by a phone call from Western union fraud department. The agent on the phone asked me for my name and asked me did I authorize the wire transfer which I replied no I did not and was placed on hold while he was stopping the transactions the agent then told me that the transaction was declined and the money will be sent back to my checking account. I immediately called my bank to cancel my debit card and inform them of the fraudulent activity and was told that an investigation will be done. I also changed my password to my Western union account. Fast forward to XX/XX/XXXX I received letter from XXXX  stating that they did an investigation and was provided documentation by western union proving that I did authorize the wire transfer and this was not a case of fraud and XXXX   will deduct the money that was replaced. At that time I found out that Western union did not refund the money back to my account. I contacted western union multiple times on XX/XX/XXXX and was told multiple times that on that day of XX/XX/XXXX there wasn't any wire transfers on my account and my Western union account was closed and kept brushing me off and told me to contact my bank. I spoke to Western union and XXXX fraud representatives 8 times that day. I finally was able to reset my password on my Western union account to on XX/XX/XXXX there were attempted wire transfers all at the same time, 2 were successful 1 was declined by western union and 1 just says unavailable all were repeated to my mother 's name payout location in the state of North Carolina but the payout location was in XXXX, XXXX. My mother does not reside in nor has ever been to XXXX. The 2 payouts for {$200.00} which totaled {$410.00} was paid out in XXXX statements were collected in XXXX according to the Western union statement by my mother which is not possible. But despite the email activity and the obvious fraudulent activity that is visible on my Western union account Western union just apologized and said they can not refund me my money because it has been collected and they can not retrieve the funds. I have the transaction tracking numbers from XXXX and the 4 wire transfer tracking numbers from Western union along with copies of all 16 emails from Western union when whoever did this hacked into my western union account and changed my profile and password. I will also be going to my local precinct to see if I can file a report. This was clearly fraud that was allowed to happen through Western union and they knew it was happening and they're trying to pass the blame elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Hi I am a consumer who reached out to Equifax about 13 loan accounts that were reporting on my consumer report without my written consent pursuant to 15 USC1681 b ( 2 ) Equifax did respond to my first Consumer Financial Protection Bureau. complaint stating, they could not find me in their data base but a few weeks later removed the tradelines from my report on XXXX XXXX Im sure that denied having-my personal information because i have a right to privacy, and no consent is IDENTITY THEFT. publishing this information has for years caused my Equifax report to have a lower score, and also affected me from being able to obtain certain things at a lower rate. Is so frustrating that these bureaus have the power to do this to consumers it is fraud, it should be more done to stop this invasion of privacy. Pursuant to 15 USC 1681n ( a ) Equifax violated my consumer rights and is liable for XXXX each violation I have invoiced this organization in reference to my remedy. I will pursue more legal action if I do not get a response back from Equifax for the suffering and also the fraud that was taking place. Deletion is admission and Equifax never had my written permission to furnish this information. I do not have the account number Equifax has removed the accounts, the accounts were under fed loan, and i will attach an exhibit that I also provided to Equifax I have sent a invoice demanding payment for violating my federal rights. 15 USC 1692 fair debt practices act references individual privacy 15 USC 1692 ( A ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. Equifax was reporting XXXX worth of an alleged debt without my permission, and I demand that they respond to my invoice with payment I have also attached exhibits that I sent to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: JPMORGAN CHASE & CO.
State: CO
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:
I booked travel through ultimate rewards using points and credit card charges ( itinerary # XXXX ). Travel schedule was subsequently unacceptably altered by airline and was then cancelled. The airline refunded travel to XXXX XXXX. XXXX XXXX e-mailed me XX/XX/2021 that a refund of XXXX points and {$430.00} credit card charges was being was being processed. I did receive the credit card charge refund but havent received the point refund despite several contacts from me and their promises to promptly do so. I contacted them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient of the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. TRANSUNION failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. From my records neither did I authorize these inquiries there is not permissible purpose that applies so therefore TRANSUNION is REQUIRED to immediately remove each and every last one of them from my credit 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 non-monetary relief
Consumer complaint received 2021-06-16
Company: Fidelity National Information Services, Inc. (FNIS)
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:
The Company ChexSystems continue to report inaccurate information in the file that they maintain under my SSN. I have sent numerous certified letters asking this company to remove this information as this information is not correct. The company refuses and continue to validate a debt that I do not owe nor have I ever owed to this company. They claim that I owe XXXX XXXX XXXX an amount of {$230.00} for alleged account abuse. They have not provided me any information that bears my wet ink signature to show proof that this is a debt that I owe. I received from ChexSystems a itemized bank statement from XXXX XXXX XXXX XXXXhat continues to state that this is my debt. This does not prove any validity to there claim and I am aware that a printout of a bill or itemized document does not constitute verification. I have written ChexSystems several times attempting to correct erroneous information on my credit report. I know they received my written dispute letters because I sent the letters using registered mail and requested signature receipts. The last dispute letter I sent to ChexSystems was delivered registered mail on XX/XX/2021. My attempts to correct my credit report administered by this company have been unsuccessful. Therefore, I am filing a complaint for your intervention. I have requested the information below to be corrected in accordance with the Fair Credit Reporting laws, but ChexSystems has not complied.

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 2023-09-29
Company: FISERV INC.
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XXXX XXXX Received a letter from XXXX XXXX XXXX XXXX that I have not activated the card they sent me. They sent the letter to my current address in XXXX XXXX. Informed Money Network that XXXX card was never received. They informed me it was sent to my old address XXXX. I informed them of my new address DB and already confirmed with XXXX XXXX XXXX my new address was on file since XXXX. They confirmed this was true and Money Network has the wrong address ( old ) XX/XX/XXXX Fraud occurred hacker compromised the XXXX money network card that has {$700.00} on it. They spent at various places, then tried to transfer balance to their own bank. This transaction was flagged and they failed to do a bank transfer. Money network had the opportunity to close all cards sent to old address but did not and fraud occurred XX/XX/XXXX Money network informed me they need to verify my identity and new address. So I submitted documents. XX/XX/XXXX they said they received all documents and they were approved. In their notes they mentioned they agreed to send me a check, but would need to go through all fraud transactions. 

They are now making me wait another XXXX days when this is clearly their fault. I already told them early on I havent lived in XXXX since XXXX. They didnt do anything, and fraud occurred and my {$700.00} XXXX money network card was stolen and compromised

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 2023-06-29
Company: Experian Information Solutions Inc.
State: IL
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 been disputing information on my credit report with Experian since XX/XX/2023. Since then I have also disputed these same items XX/XX/XXXX and XX/XX/XXXX. Giving Experian XXXX days each to furnish proof of the requested item I disputed. Each time within XXXX days the account just come back verified with NO PROOF of investigation and NO PROOF of late payments or even the accounts as I requested. I also reached out to XXXX in regards to bankruptcies that are on my credit profile. XXXX said they are only showing XXXX chapter XXXX and Experian is showing XXXX bankruptcies. While my XXXX is not showing any bankruptcies. Also the XXXX account is showing as a charge off with a credit limit which is a reporting violation. The XXXX and Self account are showing late payments in which I asked for proof of late payments XXXX XXXX and have not gotten it. I am requesting that these bankruptcies, the XXXX, XXXX XXXX, XXXX and XXXX XXXX accounts are removed from my credit report ASAP as they have had over XXXX  days to complete their investigation and furnish proof.

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 2022-11-21
Company: ATG Credit, LLC
State: TX
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:
ATG Credit LLC is continuing to report several False and misleading on my credit report : 1. Falsely classifying as : XXXX XXXX XXXX ( On XXXX  ) 2. Falsely Reporting Date Closed : XX/XX/2022 ( On XXXX  Only ) in order to re-age the account. 

4. Updated XXXX Original Creditor name to XXXX XXXX  ( XXXX XXXX on XX/XX/2022 3. Verified as Accurate and Updated with XXXX on XXXX  but continued to report Date Updated : XX/XX/2022, which means NO INVESTIGATION was conducted. 

4. Failed to Respond to XXXX  Dispute or Provide investigation results, but reporting Completed investigation of FCRA dispute - consumer disagrees 5. Did NOT provide dispute results for XXXX dispute, but updated the account without a investigation. 

6. Failed to ADD the required Consumer Disputes remark to my XXXX report, which was received on XX/XX/2022 by XXXX. 

XXXX received my dispute on XX/XX/2022, and I received no response as of today. XXXX received my dispute on XX/XX/2022 and requested that I verify my identity, however the investigation was completed during that process, without me receiving the results. XXXX received my dispute on XX/XX/2022 and completed a investigation by XX/XX/2022, and stated Verified As Accurate And Updated, however the Date Updated Remained : XX/XX/2022, which means no investigation was actually conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: AZ
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:
these inquires are fraudulent and do not belong to me i never applied for credit with these companies and they need to be removed i have contacted all of these companies and they all told me to contact credit XXXX and Equifax to resolve this issue i have and they still remain unchanged XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX ON XXXX Automobile Dealers, New Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX AUTO All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, 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:
I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was Accounts : XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have attached an FTC report with inquiries I don't recognize or authorize please delete

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 2022-05-29
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Someone or some people at Atlantic Bay decided to go rogue and openly break federal law by refusing to report my account as current the months when I was in forbearance with XXXX. The CARES Act is explicit that this is a legal requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was a XXXX XXXX bill that I had in XXXX of XXXX. I was billed for this account in XX/XX/XXXX as well and was making monthly payments to keep the bill from going to collections. I continuously paid this bill up until XX/XX/XXXX and that was the last payment I made before XXXX sent this XXXX bill to a collections company called ERC for no reason because a payment was being made faithfully within 30 days each month. ERC is fraudulently reporting the bill started with them XX/XX/XXXX on my XXXX credit report. This is false, the last activity on this XXXX account was XX/XX/XXXX and verified with the original debtor XXXX. They also repeatedly call two to four times per day and I have had to block every number they call from!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Resurgent Capital stated on XX/XX/2021 that they were willing to discuss payment options for the past due amount of {$1000.00}. However, I have attempted to reach out to the compliance department at Resurgent Capital multiple times and I have left multiple voicemails with no response back from that department. As a result, the past due balance continues to be reflected as in collections on my XXXX credit report and has a negative impact on my credit score with the credit bureau. This situation has adversely impacted me financially make it impossible or much harder to receive a positive credit decision for credit cards, loans, and other items that depend on a credit score. I believe that I have been adversely financially impacted by the companies refusal to abide by FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/18 betweeen XXXX and XXXX XXXX I went in the TD Bank Branch on XXXX XXXX and XXXX XXXX in XXXX XXXX, NY to make a CASH deposit for {$1500.00} with the teller. The next day when I checked my account the deposit was not made. I don't have the receipt of my deposit. I spoke with XXXX XXXX about my issue and he assisted in the investigation. He looked at the Banks cameras from XXXX to XXXX, but he did not recognize me coming in the Branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received an email with the difference amount of a auto loan. But its not the correct amount and all three credit bureaus are reporting different amounts. And they are reporting different statues of the 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