BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: WESTERN UNION COMPANY, THE
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I do not have all the dates, but it has come to my attention that frequently my recipients in XXXX do not receive the full amount due to a XXXX XXXX  imposed by XXXX on foreign money transfers. I requested that Western Union provide me with the information on how and when this tax is applied, but they could or would not. This may not be their obligation, but if I understand the following information found on your website correctly, it is the obligation of Western Union to alert me when these taxes have been withheld form the final amount. 

" Receive the following information about your transaction both before you pay and after the transfer is sent : '' " Amount to be received ( In some cases, a recipient may receive less due to fees charged by the recipient bank and foreign taxes ) '' This is found on the webpage " Sending money to another country '' on the Consumer Financial Protection Bureau Website. 

Western Union does provide the disclaimer " For all transfers, Final Receiver may receive less due to foreign taxes. '' But this does not satisfy the requirement to alert the consumer of the " Amount to be received '' both " before [ he or she ] pay [ s ] and after the transfer is sent '' As I was never alerted by Western Union that the amount was withheld from my final amount, I believe them to be in direct violation of this legal obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The account is an Estate account. The checking portion s with Bank of America, and the Estate Mutual Funds are with Merrill Lynch, the investment arm of BOA. I was advised that the two work together. 

Most transactions are done online, in a self-directed account, and when there is a problem, phone numbers are listed for both Merrill Lynch and BOA. Every single phone number results in a transfer back to a BOA representative, including when that representative transfers the call directly. BOA can not handle anything from ML, and it is only extremely rarely I am able to reach a ML rep. 

The delays have made the management of the Estate difficult and untimely. Most often, I have to visit a BOA branch directly to receive any service. 

Essentially, Merrill Lynch is not providing assistance to its customers. This appears intentional, as they do not have the means for customer contact. I have never had the problems establishing contact with a financial institution that I have with ML/BOA.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX  XXXX Balance : {$2300.00}.

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 non-monetary relief
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: MA
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:
Experian continues to report inaccurate information multiple examples of evidence that the wrong information is being reported. 
The CFPB has failed to elicit a true response. Simply starting that they will do an investigation is NOT the same as giving a concrete, factual response with evidence they considered proof provided to them and reasoning behind decisions that effect my credit file. 
I expect a true response from experian and not a generic prescripted auto reply. I want specific details that directly relate to my case. 
I will attach evidence that has previously been submitted to them and expect Experian to explain their consideration of the facts.

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 2017-05-12
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: Account status incorrect

Complaint:
On    XXXX   XXXX   XXXX   I received an email stating my account was unpaid. I checked my banks website, which I had ebill setup on with  XXXX  for years and have always paid my bill, and they had not received a bill since   XXXX   XXXX   I logged into   XXXX   XXXX   website immediately and paid the bill in full, I proceeded to check my email for any indication my account was over due before I was notified on   XXXX   XXXX  , but have no communication from   XXXX   saying as much. In addition, I have received no notification that they were going to stop the use of ebills from them via email, mail or telephone. Upon payment in full of the account, the website said it will not be reported to the credit agencies that my account was " overdue ''. I contacted a young lady in customer support shortly there after and she confirmed they are no longer accepting ebills, does not know specifically when they stopped accepting them, and that my credit report would not be affected by this because I was not communicated with about the change in service. She even removed the late payment fee 's due to this.  XXXX  days later I was notified by my credit monitoring my  credit score  dropped  XXXX  points, and upon review of my credit report even though it shows as everything paid as on time for the   XXXX     account, they are reporting it as 60 days late. This contradicts both what the online payment website said, and what the customer service representative had told me. I contacted them again and got a different person, who after almost a hour and a half told me yes as a consumer he would feel frustrated as well but there was nothing he could do and I would have to contact someone higher than him or mail in a letter, not providing any information on who was higher than him, only an address and fax to send a letter to.     I have been a customer for many years, I do not carry a large balance, maybe  XXXX   XXXX  which is paid monthly. While the first representative was willing to help and make promises that confirmed what their website said about the credit report,  XXXX  days later was the first time anything appeared on my report regarding them and the next representative was unable to help at all.

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: HW Holding, Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wrongfully charged early termination fee on a illegally leased property. I was not informed by the realty company but by a notice taped to my door, also the city inspector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
On  XXXX   XXXX , I received an email stating my account was unpaid. I checked my banks website, which I had ebill setup on with CapitalOne for years and have always paid my bill, and they had not received a bill since  XXXX   XXXX . I logged into  CapitalOne 's web site immediately and paid the bill in full, I proceeded to check my email for any indication my account was over due before I was notified on  XXXX   XXXX , but have no communication  from CapitalOne sayin g as much. In addition, I have received no notification that they were going to stop the use of ebills from them via email, mail or telephone. Upon payment in full of the account, the website said it will not be reported to the credit agencies that my account was " overdue ''. I contacted a young lady in customer support shortly there after and she confirmed they are no longer accepting ebills, does not know specifically when they stopped accepting them, and that my credit report would not be affected by this because I was not communicated with about the change in service. She even removed the late payment fee 's due to this. Two days later I was notified by my credit monito ring my credit score  dropped  XXXX  points, and upon review of my credit report even though it shows as everything paid as on time for th e CapitalOne  account, they are reporting it as 60 days late. This contradicts both what the online payment website said, and what the customer service representative had told me. I contacted them again and got a different person, who after almost a hour and a half told me yes as a consumer he would feel frustrated as well but there was nothing he could do and I would have to contact someone higher than him or mail in a letter, not providing any information on who was higher than him, only an address and fax to send a letter to.   
I have been a customer for many years, I do not carry a large balance, maybe 10-20 , which is paid monthly. While the first representative was willing to help and make promises that confirmed what their website said about the credit report, two days l  ater was the first time anything appeared on my report regarding them and the next representative was unable to help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
No lates. Please remove late and update report accordingly. Thanks. 

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 2023-05-01
Company: HireRight Solutions, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
XXXX XXXX has the report listed as a criminal report when it is a traffic offense. It is a traffic ticket, issued to a traffic court by a traffic XXXX and adjudicated as a traffic offense by a traffic judge. The court can be contacted by phone to fix this matter. The number is on the ticket provided and hire right already has a copy. 

They refuse to do any more than look at the Virginia internet site which observes my privacy and is therefore incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: LoanCare, LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind in my mortgage payments starting in XXXX XXXX Household members which were helping pay for stuff where unable to get jobs due to covid. I was living on a strict budget & when this happened & EVERYTHING started to cost more, I fell further behind on everything. I applied for mortgage relief thru my servicing company Loancare. Since then I have had to apply twice & now looking towards the third time. Each time I have contacted them I was told I was missing paperwork. I immediately sent what was needed. XXXX weeks would go by & told again missing paperwork. I faxed, physically sent & emailed what was needed every time. After the first 2 months of going back & forth with Loancare I was told I was using the wrong email address- I was using the one that was PRINTED on the letter directly from them. XXXX mnths latter & still missing paperwork & paperwork unacceptable for various stupid reasons. From what Ive been reading from others this is the common practice with Loancare. Plus every time you call Loancare you have to speak to someone different all though I received a letter stating that a certain person was handling my account-they would never return my calls. When you call Loancare & finally get the Loss Mitigation department all you get is scripted responses for every complaint even thru their supposedly Supervisors.

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 2023-04-05
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The credit union stop paying bills and I was not notified about fraud active or why they did n't pay my bills as scheduled, been set up for mouths and had been paid I want to know to mouth the fraud started I was told it was not normal to stop bill pay, the credit was asked to send letters to the reporting agency 's and they agreed they would and did n't, they sent me a email stating my copy was coming by mail, it never showed up and reason was the they sent it to the CFPB I never got the letters They sent me letters to send copy 's to the company 's claiming the did n't have the correct address how would know that how me the returned letters the address in the system is correct. They mess up my credit and no remorse are desire to help resolve the matter The money left the account so where did my money go I want to know where it went if bills was not paid They now paying bills prior to the due date after being told many times not and then when my money run the charge me fees without failed the credit union bill pay is out of control, with no caring to correct it they only about the bottom line. I want someone to tell me ; where my ; money went since it left my account for about five mouths, why and did they stop making payments and why was I locked out of my account, where did my money go and why was n't I notified what mouth did this start

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Ever since moving to XXXX, my card has been stolen several times and although I do my best to protect that information by using my wallet or tapping my card ; my information still seems to get stolen. I have never had my card physically taken from me but unauthorized transaction are a dime a dozen. 

Wells Fargo will deny my card if I make an {$80.00} purchase but will authorize transactions equaling up to over a XXXX dollars over multiple purchases made in a day. The charges I got from XXXX XXXX makes no sense as I've never been to a XXXX XXXX in NY as of yet since I don't live near one. MY claim being denied with no supporting documents other than a reiteration verb They then had the nerve to tell me that my chip was present since I knew that just couldn't be possible as far as I knew. 

Based on what the woman over the phone told me, I'd have to literally go outside and play detective in order to get my money back from Wells Fargo. NO matter the outcome of this complaint, I will be closing my account with them as this is absolutely ridiculous on their end.

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 2023-08-29
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
At the time I accrued this original debt, I was also receiving other medical bills for the same health issue. Unfortunately, this one fell to the wayside and I forgot it existed. I havent heard from the original healthcare provider in months, so I wasnt aware my bill was about to be sent to collectors. Upon receiving a bill from the collection agency, I attempted to set up a payment plan that I could afford and would take 4 months to pay off. The agency refuses to accept this, despite the fact I cant afford to pay more and am making an earnest effort to pay the bill. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Your questions do not apply! XX/XX/XXXX last year I had a fire at my home, in XXXX XXXX, at XXXX XXXX. While in the XXXX, XXXX XXXX sent a group of XXXXXXXX XXXX, off XXXX XXXX XXXX, XXXX XXXX. This company did not have employees and contacted XXXX XXXX XXXX XXXXXXXX. They had No employees, so they picked a band of XXXX unsupervised XXXX, not bonded, and they destroyed my home. 

The water from the fire department was left to warp all the wood floors and created mold. 
XXXX XXXX sent the checks to repair the home. Shellpoint is a wantabe Bank/Collection company. The mortgage was with XXXX and XXXX sold the mortgage. My friend at XXXX XXXX stated it is illegal to with hold money for their own self centered reasons. 

Shellpoint told my son ; 'We are waiting for your Dad to not pay us. We will resell the house and keep your Dad 's {$33000.00} for repairs. ' I have a XXXX XXXXXXXX. I have Nowhere to live and a home I can not repair or live in. I have sent Attorney General XXXX XXXX information on this. Retained Attorney XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX is next. Open for ideas with these manipulating XXXX. They told my son, they want ME to pay off the loan and them what with the repairs? 
Contact me at ( XXXX ) XXXX text first/call, E-mail to XXXX, XXXX XXXX XXXX attorney at law, this hotel on XXXX XXXX XXXX XXXX XXXX XXXX. Good Luck working with thieves! 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: NY
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, XXXX  XXXX XXXX account # XXXX Loan Amount {$6000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$2200.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX   XXXX XXXX account # XXXX Loan Amount {$500.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$4500.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/XXXX, has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$5000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$920.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$1000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/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 : Also states a consumer reporting agency can not furnish an account without my writt en 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 explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: TX
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 investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : XXXX

Company response to consumer: Closed with explanation