BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Over the past 9 months Western Union has refused to allow me to access and transfer funds from my debit account to myself. They have banned me for life with extreme prejudice and without telling me why. 

When I asked them why, they tell me to figure it out for myself and read the Western Union operating procedures and terms. 

They then request pedigree and personal identification documentation which I have provided many times over plus additional. 

Despite my giving Western Union the requested documentation they continue to say we will never let you use our services for life with no explanation. 

In fact, to further punish me, they tell me to figure out the reason myself. I believe to deny me services but request documentation without explanation is a violation of banking law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-08-10
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage thru US Bank. Received a letter that a loss mitigation app had been approved XX/XX/XXXX. They would send options and if I did not reply then they would assume no longer needed. Made no such app. Then received a letter saying I was approved for a 3 month plan of XXXX to begin in XXXX. A plan that I never applied for or approved. So I called again and they said they could not remove it but payments would be changed back to XXXX and file would be notated that I rejected the offer. I was worried this would affect my credit which would affect my job but I was to do my own error resolution apparently. He said if I made another payment in XXXX I would be caught up. Close to XXXX in one month. Was talked down to, nothing was researched except looking at their screen repeating well your XXXX pmt was deleted on our end you are 39 days late and I was due for XXXX. I said no I was told if I made 2 payments in XXXX I would be caught up next payment would be due XXXX. I have to do my own error resolution while working doubles with no days off. I will upload everything I have to show I am and have been current. When they set the plan up they set it to start in XXXX but letter received shows XXXX was to be start date. My whole XXXX pmt went into a suspense account. So now I am 40 days behind for XXXX payment. Ive tried calling 3 times but they talk down to me and dont even attempt to research. 

This all stems from an escrow shortage when there was not one. I listed the property last year. Listing ended in XXXX. XXXX went to closing with XXXX, received closing disclosure 30 minutes before closing. An hour after closing they send a corrected one to be signed due to a {$3.00} recording fee they forgot. I reviewed the doc and net to seller went down by $ XXXX. So I cancelled the closing. And have not tried to sell since then. 

I received a notice yesterday saying taxes have not been paid. But taxes and insurance are escrowed. I reviewed recent escrow statement and it shows that taxes and insurance payments have not increased but yet Im short {$1100.00} yet nothing had increased when payments had already gone up {$100.00} this year from XXXX to XXXX due to shortage. All of a sudden I receive a payoff statement XXXX of this year that taxes will be held in escrow until closing. Received no such notice when I was actually going to sell it last year. This seems to be their way of making me pay penalties for late taxes they did not pay but paid last year. 

So now I am behind on payments and taxes.

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 2023-07-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XX/XX/2023 ACCOUNTS ARE ( NOT ) MY ACCOUNTS NONE OF THESE ARE MY ADDRESSES : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX UNIT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your companythat I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless Ihave authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for meto acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as toforward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, Thank you for your time,

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 2022-01-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX  rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Freedom Mortgage Company
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was unaware that Freedom Mortgage bought my home loan until I received notification from my bank that my credit score dropped 167 points. Once I contacted my original lender they informed me of Freedom Mortgage. I contacted Freedom, paid my outstanding bill in full immediately and was told that I could dispute the negative credit reporting. They said they would call me. They never did. I called again and they told me that I was responsible and that the credit dispute would not be resolved. Because of their lack of contact ( even when they had my information from my previous lender ) my credit score dropped 167 points. This company has been found guilty of misreporting and has been previously fined by Consumer Finance.

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 2023-06-07
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:
This is my twelve endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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 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 2022-01-12
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was looking for a car to replace my elderly mothers death trap of a car for her birthday. I applied for a pre-approval of {$20000.00} on Navy federal credit union. I have excellent credit, XXXX and on XXXX. My only income is from veterans disability, which is more than adequate to pay all my obligations. I got the approval on XX/XX/2022, I immediately drove XXXX miles one way to the closest branch to get the check. Check in hand I find a used car on XXXX for {$14000.00}, I get the VIN and do a XXXX value check. The price came out to match, so I made an offer, did all the paperwork and scheduled a delivery for XXXX  XXXX XX/XX/2022. The whole cost was way below my {$20000.00} cap. 
Delivery day and its XXXX pm, I call to ask wheres the car? They gave me the runaround after calling 20 different people, only to find out that navy federal had denied the check. I call navy federal and they denied it because they said the value to price was below because they didnt use KBB they used XXXX XXXX which said it was thousands cheaper, it was for my protection, not that getting blindsided emotionally distressed and nearly put into a blind rage because they felt this was a bad deal and didnt have the ethics to let me know that because they chose a different guidebook and used it as absolute, over doing an average and honoring the approval check. I now have to use the XXXX finance with higher interest, and jump through all the hoops along with the embarrassing ordeal of having to go through the process all over, the time wasted, sleep deprivation caused by such cowardly disgusting disrespectful conduct! They literally made my XXXX and XXXX XXXX skyrocket in just seconds. Its traumatizing on its own! 

By only using the lowest guidebook as absolute instead of doing an average of the three, literally makes getting a used car absolutely impossible! These are price guides not absolute price books. This whole interaction was unethical and absolutely unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This credit reporting agency has repeatedly refused my written request to remove information they UNLAWFULLY included in 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 explanation
Consumer complaint received 2021-09-20
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the most recent debt collection letter for XXXX XXXX XXXX today, XX/XX/XXXX. It came from a company called Convergent. This is the 5th Collection company that XXXX XXXX has sold this debt to. I do not owe this debt and it has been successfully disputed and removed from my credit report 3 times. The most recent being in 2020. I receive harrassing calls from Covergent for them and they are continuously hurting my credit score. I do not know who XXXX XXXX is and when Iasked for proof from them in XXXX, they could not provide any documentation. I am pretty sure that this is a credit scam.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have filed disputes on my credit reports and the disputes are not being processed correctly and the identity theft paperwork is not being attached to my disputes according to the FCRA. I have called and the FTC report I have been filing is not being processed correctly. And I am not getting copies of the verification process

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 2023-12-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

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 2022-01-31
Company: GOLDMAN SACHS BANK USA
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an item from XXXX for XXXX on XXXX and was given a tracking number that day, with expected delivery XXXX. the tracking never updated and it appeared that maybe the package had been lost. i disputed the charge with my Apple Goldman Sachs card on XX/XX/12 and today the dispute was resolved in favor of the merchant, stating that I had received the item, even though it's very clear from the tracking that i did not receive the item. i reopened the dispute but am not confident that they will resolve it this time either. 

XXXX is the USPS tracking number

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1682 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Merchants' Credit Guide Company
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company in question is Merchants Credit Guide. I had multiple accounts from them being reported on my credit report. I used my XXXX lawyers to submit debt validation letters in XXXX and have yet to receive any validation. All but one account were removed. Ive attempted calling them and the hospital to receive validation and still have yet to. Their manager, Ms. XXXX XXXX, has been very rude and insulted my service in the XXXX and told me Im wrong and should just pay my debts so I wouldnt have to deal with them. Incredibly difficult to work with. This specific account is from XX/XX/XXXX and the debt collectors received it in XXXX. This is affecting my job in the military as I have to XXXX XXXX due to this appearing on my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Today, XXXX XXXX, I called Synchrony Bank about two payments I made on XXXX XXXX, XXXX  ( {$110.00} ) and XXXX XXXX, XXXX  ( {$120.00} ) in error. I asked for a payment reversal for the {$110.00} as two payments were made for the same month in error. The representative processed the request and advised that I will be receiving a check in the mail in about 2-3 weeks. My original payments were NOT submitted via checks but as ACHs. Both payments cleared my bank as ACHs. I asked the rep why it would be a check since I'm calling within the 5 banking days of the error being noticed and within XXXX guidelines. They said checks has always been their policy and no such regulation exists and the return can not be handled via ACH. The rep even reached out to their Recon specialist and this information was relayed back to me- there is no such policy/regulation and the payment can not be returned via ACH. The check is the only option. 

This is incorrect information about XXXX and it appears Synchrony Bank has been informing their consumers incorrect information when it comes to this type of error. 

According to several bank sites, articles and XXXX  reversals must occur within 5 business days of the transaction.

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 2019-05-26
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an letter from collection agency on XXXX XXXX Company name National credit system XXXX. XXXX  XXXX XXXX Georgia  stating that I owe {$3700.00} debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az. In fact my lease was till XXXX and I informed to the Apartment management one month before ending the lease that i dont want to continue further I left the keys in there drop box on XXXX XX/XX/. After that I received the notice from collection agency that I owe money. The apartment management did not contacted me and did not sent any written letter that I owe some thing to them. After 4 months Im receiving letter form collection agency I called to XXXX XXXX the collection representative and told her I dont owe any money to the apartment people o Also asked her to send me the written explanation of this debt they did not sent me any information and they reported it to the credit Bureau.Now this debt is on my credit report which I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Experian Information Solutions Inc.
State: VA
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:
ON MY XXXX  XXXX XXXX XXXX ACCOUNT ACCOUNT NUMBER XXXX THERE WAS A PAYMENT MADE ON THIS ACCOUNT IN THE MONTH OF XXXX OF 2015 THE CAR WAS AUCTION OFF FOR THE AMOUNT OF {$4800.00} SO THERE SHOULD OF BEEN A PAYMENT MADE TO THIS ACCOUNT SHOWING LAST PAYMENT MADE WAS XXXX OF 2015 NOT XXXX OF 2015 XXXX  XXXX XXXX XXXX SEND ME THE PAPERWORK TO SHOW THAT THERE WAS A PAYMENT MADE ON THIS ACCOUNT CAN YOU PLEASE UPDATE THIS ACCOUNT SHOWING PAYMENT MADE FOR THE MONTH OF XXXX IT SHOWS NEG I GAVE THE CAR BACK AS VOLUNTARY SURRENDER SO IT SHOULD NOT BE SHOWING ANY NEGATIVE .FOR THAT MONTH. ON MY PERSONAL INFORMATION MY NAME IS XXXX XXXX OR XXXX XXXX  XXXX  THE NAME THAT IS LISTED ON MY CREDIT FILE XXXX XXXX  IS NOT MY NAME CAN YOU PLEASE REMOVE IF NOT PLEASE GIVE ME A REASON WHY. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX MY PREVIEW ADDRESS WAS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX CAN YOU PLEASE REMOVE THE PO B OX ADDRESS XXXX XXXX VIRGINIA 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