BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: SYNCHRONY FINANCIAL
State: NC
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/2022 there was a charge on my Sam 's Mastercard for {$42.00}. I went on my Sam 's account and verified I didn't purchase anything on this date for that amount. So, I called Sam 's customer service and they stated it was a charge that " XXXX '' made ( my sister is my free 2nd membership person ). I explained to them that is my sister and she has no access to my account and how could this charge be on my credit card? They said we do not see any purchases under your account for Sam 's on that day for that amount. I explained yes I know that is why I am calling. So, once again I asked how could XXXX have made a purchase and it show up on my Credit card. They said they would have to have the back office check on and get back with me. Needless, to say I never heard back and I called back again on the XX/XX/2022. They directed me to contact Synchrony bank and file a dispute. I called Synchrony and filed a dispute. However, no one can explain to me how this transaction could even happen. My sister lives in Kentucky and I live in North Carolina she has no access to my credit card. My sister physically was in the Sam 's club in XXXX KY and made this purchase with her debit card. She sent me a copy of the receipt showing it was purchased with her debit card and cleared her bank. When i sent all paperwork to Synchrony I also requested a detailed explanation of how this transaction could have been put on my account when there is no access to my Mastercard. I have not heard back from them for explanation I have received a credit. However, there is a breach on their end for this transaction to even have happened. I have requested an investigation but have not heard back. This is very concerning because if I had not checked on my credit card Sam 's would have been paid twice once from my credit card and once from my sisters debit card. How this could even happen is concerning and needs to be addressed and investigated.

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 2021-01-20
Company: D&A Services, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi XXXX XXXX XXXX XXXX XXXX ; Happy New Year! 
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being ignored of my disputes. Section 611 ( a ) it is a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX, after finishing my on line billing i noticed my savings was low so i checked my statement on line and noticed 2 wire transfers and peoples name that i dont know and numbers on my account i do not make wire transfers ... ... right away me and my husband went to the bank and reported the bank rep called the fraud department to reported and to close that account. After 1 hr of being there he notices another withdrawned being made he did not stop also he check our personal information and our phone numbers were changed to some out of state numbers our numbers were removed claim was put thru after answering all questions from the investigator we received a letter closing my claim stating i gaved permission for the transfers which we explained we did not so we see the manager and she puts in another claim with different department after that investigation came back denied that it shows came from my computer ... ... .at this point no written explanation was given to us about the wrong accused and being investigator thanks so much let me know if u need information from 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 2021-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I did not call to close a account and. Did not talk to any one from. Bank of America to close My savings account. 
I did call to try to figure out why? they closed the account. They bank of america were not 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 2021-03-09
Company: RentDebt Automated Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I dont know who live at XXXX I NEVER STAYED IN XXXX  XXXX IN MY LIFE! I SPOKE WITH MANAGEMENT AND TOLD THEM I WOULD BE LIVING THE PROPERTY ( SPOKE WITH XXXX LADY AND XXXX GENTLEMEN ) THEY TOLD ME IT WAS OK TO LIVE THE PROPERTY AS LONG AS I GAVE WRITTEN STATEMENT OF SUCH.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Please correct the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: AZ
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 verry concerned I have been following my credit report for the last 3 months vigorously to improve my consumer report. Today I receive a notice that a collection has been added to my account. One that I have never heard or seen about. The original company is XXXX XXXX XXXX now sold to XXXX XXXX. 

Please investigate this account as it says it was oppened XX/XX/2023. My XXXX has a fraud alert and so does my Equifax no one should be able to open this types of accounts without calling me. 

Theres is no account number listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: PA
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 am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Good day. On XX/XX/XXXX at XXXX I spoke with the person named XXXX XXXX the department handles those Program. After {$5700.00} down payment posted which they required me to pay in order for us to be qualified for the Repayment Plan. Per XXXX, i was approve for that program which im supposed to start paying, if im not mistaken around {$3900.00} on XX/XX/XXXX, but per him i still have until the XXXX of XXXX and will end up until XX/XX/XXXX. So i was convinced that everything are good to go. And on XX/XX/XXXX before noon just to confirm if we are on the same page ( Repayment Plan Program ) w/ same person named XXXX XXXX And finally, we have peace of mind. As days goes by on XX/XX/XXXX at around XXXX i spoke XXXX XXXX XXXX XXXX and confirmed about my Repayment Plan and she emailed on XX/XX/XXXX, proof of approved Repayment Plan program. And on XX/XX/XXXX i spoke with agent just to give them heads up that i will make a payment soon and told me that my my message to let XXXX XXXX XXXX XXXX to called me up but i missed XXXX XXXX XXXX XXXX calls and left message. I tried to call her back and on XX/XX/XXXX at XXXX spoke with XXXX and she told me that my Repayment Plan has been cancelled and i need to have another down payment for {$290000.00} again to enroll for that program and around {$3800.00} not sure amount figure to start on XXXX XXXX until XX/XX/XXXX and i said if she can let XXXX XXXX can call me up. On XX/XX/XXXX at XXXX : XXXX finally she called me up explained that my program cancelled due to improper way to enroll us. And i told XXXX XXXX if she can call me up on XX/XX/XXXX at XXXX and make a payment for another down payment and she called me up yesterday XX/XX/XXXX at XXXX and after i paid that amount, she is supposedly doing the right way my XXXX XXXX and it never went through. She found out that I still have my active assumption which i cancelled last year. she said that shell email the manager to expedite my concern. So frustrating, it might be a delay tactic or strategy. fir us to be buried for interest for delayed mortgage payment and the Manager will might between 2-3 days, So i tried my luck today at XXXX i spoke with XXXX, same thing nothing happen. So much stressed with them, theyre giving hard time, so difficult dealing with them. I thought last complaint we made, everything will cone up with solutions. Frustrating, discouraging, and stressful. We need help. So inconsistent, not updated. They need to be systematic and should be on top it. We thought, theyre there to help us but difficulties we always experienced with them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Hi, I transferred my money from XXXX XXXX XXXX to my account in XXXX XXXXXXXX, XXXX on XXXX XX/XX/2021 ( XXXX IST ) thru western union - XXXX number XXXX. ( tracking number ) Today XX/XX/2021, money has not been transferred yet to my XXXX bank account, which is supposed to deposit on XXXX XX/XX/2021. 

I called so many times to westurn union customer care about transaction status, nothing happened, no action or no email, no communication from western union. only case has been raised ( XXXX XXXX XXXX XXXX in western union system. I paid almost 8 time more transaction fee ( approx. {$24.00} ) than usual transaction fee ( {$2.00} ). 

I am really frustrated with western union customer care service, gave different time line to resolve issue, someone say it's take 24hr or it may take 2 month so on & on. 

Please help me to resolve this disputed transaction on priority. I am in need of my money back to my account asap. 

,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, Payment Information : Card Type : Visa Card Number : XXXX Expiration Date : XXXX XXXX XXXX : XXXX Transaction Type : Purchase Payout Information : Today 's Date : XX/XX/2021 Date available in Final Receiver 's Country : XX/XX/2021 Delivery Method : Final Receiver 's bank account Billing Summary : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Promotion Discount : - XXXX USD Total : XXXX USD Transfer Summary : Exchange Rate : XXXX USD = XXXX INR Transfer Amount : XXXX INR Total to Final Receiver : XXXX INR For all transfers, Final Receiver XXXX receive less due to foreign taxes. For transfers to a bank account, XXXX XXXX XXXX also receive less due to fees charged by the XXXX XXXX 's bank. 

You have a right to dispute errors in your transactions. If you think there is an error, contact us within 180 days of the date we promised you that the funds would be made available to the XXXX XXXX at XXXX or https : //care.westernunion.com/us/en/ask. You can also contact us for a written explanation of your rights. 

Subject to applicable law, you XXXX cancel for a full refund within XXXX minutes of payment, unless the funds have been picked up or deposited. 

For inquiries or comments, please visit https : //care.westernunion.com/us/en/ask, e-mail XXXX XXXX XXXX XXXX to : XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX call : XXXX For questions or complaints about XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX ( TTY/TDD ) www.consumerfinance.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing to file a complaint against Experian and their failure to remove an unauthorized account from my Experian Report which is costing me XXXX  of interest every year along with false account hurting my ability to obtain employment, health insurance, Mortgage & Credit Opportunity. My family and I are experiencing difficult financial hardships at this time due to COVID and these false accounts have been affecting me tremendously Account : XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX I am the original Creditor. these Accounts is in direct violation of 15 USC 1681 *ATTACHED DOCUMENT - XXXX card -letter of consistent rejection from companies for this direct violation of my consumer report " CHARGE-OFF ''

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 2022-01-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX of XXXX I attempted to open a bank account in Texas through XXXX Bank Online, I was denied the ability to do so and informed my credit has been frozen through XXXX. I attempted to utilize XXXX  online form to lift the credit freeze and again was denied the ability to do so and then given mailing instructions. I followed these instructions verbatim and have not been contacted to resolve this situation. 
I also went through the same procedures with both XXXX as well as Equifax. 
In the case of XXXX, I was able to resolve the matter over the telephone, the agent informed me that these credit freezes were placed back in XXXX, which I could not understand because since the beginning of XXXX I have opened multiple accounts through a number of different financial institutions in different states within the U.S.

In the case of Equifax, I attempted to fill out the online form which required a mobile phone number which I do not have and because of this the agent instructed me to mail two copies of ID and a cover letter with my request to lift my freeze and explained that I would hear from them in less than 10 business days, of which never occurred. 

For all documentation mailed, I payed for certified mail back in XXXX and still hold the tracking information.

Company response to consumer: Closed with explanation