BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-02-01
Company: Chime Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sir/Madam, My name is XXXX XXXX XXXX On XX/XX/XXXX, I transferred an amount of {$1600.00} to XXXX XXXX in XXXX through XXXX, whose US Head office is located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX. On the said date, my intention was to transfer {$160.00} but ended up sending the above amount. Upon realizing the transaction error, I tried to contact sendwave to no avail. I therefore contacted XXXX in XXXX through my family to reverse the transaction which was effected ( evidence of transfer and reversal is attached to this email ). Because I was having difficulty contacting sendwave, I contacted my bank ( XXXX XXXX XXXX XXXX ) to request a charge back whose action was set in motion. 

I later received an email from sendwave informing me of the suspension of my sendwave account due to it being under investigation to which I replied. On XX/XX/XXXX, I received another email from sendwave to check my XXXX bank statement for the credit of {$1600.00} to my account. I am saying on record now that this money has not and has never been credited to my account as was purported by sendwave. 

Based on the above information, I am writing to your institution for help in retrieving my money from sendwave. Please find attached evidence of traction, reversal and communication with sendwave. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these items gives me a reason to immediately repair the items from my credit report, they should be promptly corrected. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the misleading information on these accounts : 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 2022-03-17
Company: MORGAN STANLEY & CO. LLC
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account online on XX/XX/22 with XXXXMorgan Stanley XXXX They allowed me to mobile deposit 2 checks, 1 from XXXX XXXX for closing that account and the other being my MN XXXX XXXX. Both checks cleared and posted to my account totaling {$3500.00}. Then the bank decided to freeze all my funds for no reason at all. I was instructed to call to fix the issue. When I called I was told to write a letter requesting that they look into why my account was frozen and upload it along with my state ID. I had to renew my MN DL in XXXX and still haven't received my hard card yet so I had to upload my temporary paper government issued ID with the letter. They refused to use that as a government ID. I called them 5 times in 2 weeks trying to get my funds unfroze to no avail. So I finally just requested that they just close my account then and return my funds to me. They are refusing to return my funds and close the account now as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
You have reported wrong balance to my account 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 explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: NJ
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 a loan with XXXX I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Netspend Corporation
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
Unfortunately I completed an on-line survey which kept popping up, and wouldn't allow me to proceed to a website I was attempting to access. The survey advertised receiving a free gift card upon completion. 
I received email notification the day after ( yesterday, XX/XX/2020 ) advising me that my " Netspend Card '' ending in XXXX ( which is a prepaid Visa ) has been shipped and is on its way to me. I will not activate it, but will shred it and contact Netspend to have the account canceled, hopefully. 
My question, is this- is Netspend a scam/fraud? Should I be locking down my credit or flagging it? 

Netspend XXXX. XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2022-03-17
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I.C. SYSTEM, INC continues to file major derogatory claims against my credit on behalf of XXXX, a medical provider who has repeated sent fraudulent medical bills for services they confirmed were never rendered during the birth of my baby in 2020.

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 2022-03-17
Company: MOHELA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Following up student loan for classes I didnt attend. With draw from college with in 30 days. Tried to get resolved for over 10 years. Keep getting run around!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my application are not mine. Please remove these unknown items from my report. 

XXXX XXXX  XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: MD
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 the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that 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. 


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 2022-12-23
Company: Experian Information Solutions Inc.
State: TN
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. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 called the company 's and told him they were reporting fraud to my account my account is Frozen incorrect loans loans that I don't have no knowledge about

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 2020-03-10
Company: Experian Information Solutions Inc.
State: LA
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 found errors on my credit report and wrote letters to XXXX, XXXX, and Experian on XX/XX/2020 asking them to remove the inaccurate information. I didnt received any letters stating why the items were placed on my report. I demand each item removed as it is inaccurate and is passed the 30 days. 

Thanks

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 2023-06-06
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
two cash advances were made on my Barcaly Bank credit card for {$1000.00} to XXXX XXXX XXXX. I did not make either cash payment/advances. I tried from the alleged vendor making the charges and Barclay Bank and can not get any resolution. Please see upload of information

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 2022-03-17
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ealy XX/XX/2022 Wells Fargo and my spouse and I signed into a locked interest rate of 2.75 % on a refinance of an existing mortgage with Wells Fargo. We started the refinance process and it became clear that they were very disorganized and mishandled documentation. They would ask for the exact same document over 6 times ( each time I sent it ) and they received it on their end. A few days later they asked for the same document again. I resent it and they received it. They repeatedly told me they had everything and then a few days would pass and they would ask for the same document as previous. When I asked them why, they stated the bottom right corner was cut off of a page that had inscribed " this page is intentional left blank ''. They asked for one of 8 bank accounts to be resent 6 times but did not ask to resend any of the other bank accounts. They asked for one of many investment accounts to be resent, 4 times but did not ask for the other investment accounts to be resent. 

My suspicion is that they are trying to back out of the low interest rate lock in that we signed into. They are very sloppy in handling our documentation and are disorganized in communications with us.

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 2018-04-25
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I as a single XXXX female and mother of XXXX was scammed by the process of purchasing a home in XX/XX/XXXX. I got the home inspected and the home inspection passed, however recently found out there was a home inspection prior to mine that failed the inspection on the same house. Now founding out the house was overly assessed and valued, with major concerns of XXXX mold that is causing me and daughters XXXX issues like no other. Major Electrical issues that are fire concerns and foundation issues. I want some to be accountable to this scam. The prior inspect fell and did not pass. 


purchase home XX/XX/XXXX home inspected property in XX/XX/XXXX was determined to have XXXX mold and major safety electrical issues in the home Home stated that heat worked and was not working Safety Issues Foundations issues Major plumbing issues Lack of disclosure from the sell, broker, home inspector Scammed me in purchasing a home that is cause me and daughter to get very sick Lack of Disclosure concerns that is causing me and daughter get sickness XXXX mold

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 2018-08-16
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:
XXXX XXXX  gave me a credit card if I bought a new XXXX XXXX phone which I did not want. Now they are dunning me for payment. I put the purchase in dispute and answered their questions but XXXX refused to take back the phone claiming it was too late to be returned but it was not suitable for me to have it. Now, I reported this to Transunion and they never put it on my report that this charge is in dispute and are dunning me for payments for XXXX XXXX. So the two of them are doing this telling me how my score is lowered but if you return a thing to XXXX, I should not be charged for the purchase. I returned my XXXX XXXX  to you to return to them. 
I did not want the phone but XXXX insisted I buy it to please XXXX. 
It did not work right in the beginning and overheated. i just wanted XXXX to take it back. XXXX refused to take it back but i did not have it that long. The Transition still refuses to put this on my report that this charge is in dispute and keeps asking me to pay XXXX when it is in dispute. 
The Transunion is supposed to put that on my credit card that this charge is in dispute but refuses to do so.

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 2022-12-23
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/22, I ordered 11 items from XXXX  XXXX totaling up to {$390.00} ( order number XXXX ) On XX/XX/22, per XXXX  Tracking XXXX, I was suppose to receive 8 out of the 11 items. When the package arrived, the items listed were incorrect. They were female clothing. None of the XXXX items were there. I called XXXX XXXX to let them know I did not receive the correct items. The XXXX XXXX rep said she would provide a return label so I can get a refund back for the items I did not receive in the amount of {$280.00}. She then re-ordered the 8 items per order number XXXX. The incorrect returned items arrived to XXXX XXXX on XX/XX/22. Instead of a full refund as promised, I received {$89.00}. I am still missing the {$190.00}. I have called several times and they keep saying It will get looked at but no one seems to care.

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