BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: WESTERN UNION COMPANY, THE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022 @ XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX @ XXXX I used there Western Union machine ( that I have used for the last 2yrs ) to send money to my Godson XXXX XXXX XXXX XXXX {$25.00} and paid the {$9.00} ( processing fee ) total {$34.00} on XX/XX/2022 When XXXX went to receive the money there was an Error and contacted me right away. I then called Western Union ( WU ) An was giving a case # XXXX by Monday XX/XX/2022 I contacted WU w my case # an told it was in process an someone would be contacting me. Then on Tuesday XX/XX/2022 I was told to go to the store where the transaction took place. I did with WU on the phone w me then told never mind someone will be contacting me. So on XX/XX/2022 I called WU gave my case # and was told there was no case #. I asked to speak XXXX there supervisor but was told I could Not an told they could Not give me there supervisor name. So, I called my Bank XXXX XXXX XXXX  ) to see if I paid for my transaction and I did and showed it in my checking account. So, I called Western Union Corp in Indiana and spoke with XXXX @ XXXX on XX/XX/2022 an was giving a New case # XXXX and told by XXXX that I would be contacted XXXX by Friday XX/XX/2022 But No One had called or emailed me XXXX. So, Again called XXXX the WU corpXXXX on Monday XX/XX/2022 and gave them my case # & was told someone will be calling bk that day. But No one called bk. Again I call XXXX on Tuesday XX/XX/2022 told my case is being process. No one called or emailed me XXXX XXXX, again I call on Thursday XX/XX/2022 and told there was No case then received an email stating that I never paid for the transaction. So, last night XX/XX/2022 I was on the phone with WU Corp. for over XXXX & XXXX trying to correct this but got no where and once again told the supervisor was not available to talk and gave me a New Case # XXXX Hhhmmmm Not sure what else to do other than contacting you. Can you Please Help? Do I have to hire a lawyer to go after WU Corp? 
Thank you Sincerely XXXX XXXX Email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
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:
Transunion credit reporting agency. Reporting in my credit record a collection account that was paid in full XX/XX/2021. Their investigation results ware wrong and keep reporting this account as past due and open.

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 2022-04-22
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since I did not receive a final bill from Financial Asset Management Systems , Inc., since XX/XX/XXXX, I decided to contact them about my collection account with them since I was under the impression that I was almost finish paying XXXX in full. Next, I contacted FAMS to confirm my payment history and their representative confirmed my payment history of 21 payments out of the 31 payments that I have made thus far. In XXXX, one of the bills that I generated from XXXX XXXX XXXX in XX/XX/XXXX in the amount of {$250.00}. I contacted XXXX XXXX to resolve the issue because I was told initially that {$60.00} would cover everything. Then within 30 days I received surprised multiple bills from XXXX XXXX XXXX. That issue was never resolved. Then I decided to make arrangements for {$10.00} which I have made. During the inquiry, I discovered that my payments were not being properly posted to my collection account with FAMS. After, I brought FAMS accounting errors to their attention then they decided to close the account and send it back to XXXX XXXX XXXX XXXX. Therefore, I contacted XXXX XXXX XXXX XXXX and spoke with XXXX XXXX XXXX, and she provided confirmation that I made 24 payments and stated that FAMS send them the payments every 2 to 3 months. However, both companies are violating the Fair Debt Collection Practice Act when they are intentionally collecting an amount greater than I owe. From my perspective all accounts should be verified when they are sold or received. Also, consumers should be provided a receipt of their new and final balance before and after paying their final bill. Consumers should not have to do collection agencies accounting discrepancies. 

In addition, the way both companies posted my monthly payments made it appear, as if, I am in the rear when I am not. For example, the dates of the money orders are for that particular month, and they should not be carried over to another month. Instead, they are just posting my payments, and some of the payments are not in sequential order with those dates on the money orders that have been posted to my account. As a consumer, I find it very odd that both companies would implement the same practices and refuse to forward payments over to the collection company that they hired. Also, this is a clear indication that the billing information is not properly verified, and names or detailed notes are not kept on accounts for verification. 

To resolve this issue, I am requesting that these practices be fully investigated so this can be prevented from happening to someone else and my overpayments to FAM. 

I have attached some of the communications between XXXX to XXXX and their contact information is on their bills and communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The scammer met me on Social media and talked with as friend for a while. He talked about his recent investment in btc and he was very profitable. Then he said he can teach me how to invest and invest for me. He started to teach me to open a cionbase account. I had never contacted Coinbase before, so he has my phone number and Email information, I assume he can guess my password or hack into my email cuz I setup easier .Then he ask me to download another fake platform named XXXX app ( after reading the news report, I found out that it was a fake platform created by the scam group after the scammer ) in order to steal the victims personal information from cionbase Money or currency transfer. And I have couple transactions cost {$33000.00} been sent to a digital wallet chain address with out my personal permission. I try to file a claim from chase bank and Coinbase regarding this fraud, unfortunately with no response or said cant help. I feel very depressed and helpless. I believe that the big platform cionbase has such a big loophole that makes it easy for scammers to commit crimes, and the big bank chase XXXX trust is so incompetent that it can not protected their customer 's money, can not be recovered even if the scam. I did report to FBIXXXX XXXX XXXX XXXX enforcement when I realized everything was scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: MO
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX  Balance : {$16000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX i look up my credit report and my bankruptcy was still showing, i file in the mid of XX/XX/XXXX and i have ask the credit bureau to remove it that state that they will investigation they came back verified, i ask them how they verified because the bankruptcy court said that they dont verified to third party are credit Bureau it against the law, so im asking that you please investigate because i have been waiting out my years with bad credit long enough for them now to drag they feet and dont investigation a legitimate way please help Im XXXX with XXXX   and hoping i can move in my own place in my own name for once

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 2023-05-24
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), balance is {$350.00}, and account # 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 2022-09-30
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I feel Regions Bank has repeatedly charged my overdraft fees gratuitously and fraudulently.

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 2022-04-22
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
18 months of covid forebearance ended XX/XX/XXXX. I was unable to return covid documents Sent XX/XX/XXXX in time for covid forebearance option. Flagstars human FAQ tells me I'm getting a new review and not to make payment XX/XX/XXXX. XX/XX/XXXX I get a call saying a new review hasn't been instituted. Covid forebearance options are no longer being offered, and not I am officially late on my mortgage.

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 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For Transunion/XXXX/ XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX ACCT : XXXX XXXX : {$130.00} XXXX  XXXX XXXX ACCT : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX  and XXXX, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section XXXX of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 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 2022-12-05
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Received a phone call from company letting me know that an amount of {$980.00} for my car was due. I immediately paid the amount once I took the phone call with the company. The phone calls stopped for a week but started to continue again. I let the company know that I had paid the amount and that the due amount was clear. They told me that they would look into the situation and that they would give me a call back. When they called me back I would, on multiple occasions, answer only to hear someone hang up the phone line on the other side. This happened multiple times over a week. I was then calling the company the following weekend to let them know that the billing error was never resolved. They did not pick up the phone due to them being " Too Busy '' as their automated system says over their recorded line. I woke up the following morning to my car alarm going off and quickly ran down stairs. I saw my car on a tow truck and asked what my car was being towed for. They let me know that they worked for the company in question that they were a hired XXXX. I have never done business with this XXXX and never signed anything giving him the right to seize my vehicle. I then called the company once again to try and figure out this situation and why there was no due process before taking my vehicle. They did not answer the phone call due to them not having any staff to answer calls on weekend. I then called again the following weekday during business hours and they let me know that they could not let me know anything about the vehicle due to the fact that nothing had been put in their system for a full 48 hours. I still have no answers for my vehicle I have called 3 more times to see if someone else could assist me without any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
For the last almost year since XXXX of XXXX TransUnion has flat out refused to allow me to dispute 2 fraudulent hard inquiries made on my credit report in XXXX. XXXX XXXX XXXX allowed me to dispute the fraudulent inquiries, they were investigated & removed. TransUnion is the only credit bureau refusing to allow me to dispute this fraud against the FCRA.

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 2023-05-24
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion is reporting unverified student loan accounts on my credit report. I initially contacted Transunion, in writing ( see Attachments ), and requested proof ( documents bearing my signature ), that the debt belonged to me because I have not personally not conducted any business with any of the parties involved with these accounts, and know the debt does not belong to me. 
Transunion responded to my request for a signature bearing document with a letter ( See attachments ) stating the debt was verified and it belonged to me. None of the information provided by Transunion bore my signature or any other validating evidence linking me to the debt. 
Information reported by the 3 major Credit Bureaus vary greatly and makes it very difficult to trust the validity and accuracy of the information provided by XXXX, Transunion, and XXXX. Case in point Transunions response shows the payment history of the Dept of EdXXXX Accounts going from being OK to being 90 days late from XXXX. This is also the period of time where the account was being handled by a difference servicer called XXXX XXXX XXXX ( since XXXX  ) and was no longer being serviced by Dept of Ed/XXXX  ( see Attachments ). When I contacted the XXXX XXXX  XXXX to try and resolve the issue they referred me to a debt collection company called XXXX XXXX XXXX. I have attempted to contact XXXX XXXX XXXX but as of yet have not received a response. 
Through all of this, not one of these companies have been able to provide me with any verification or evidence proving this debt is mine. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties these companies are damaging my reputation and credit worthiness. All of these discrepancies serve as proof the information being reported on my credit report is not accurate, nor is it being properly verified by in accordance with the law and needs to be removed. The practices of the aforementioned companies are highly predatory and violate the FCRA ( Fair Credit Reporting Act ).

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