BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My debit card from Wells Fargo got charged 3 times without my approval, the amount was {$700.00} three times which equals to {$2100.00} that has been stolen. The first theft was on XX/XX/20, the second XX/XX/20, and the last one on XX/XX/20, and it's all from the same address ( XXXX XXXX XXXX XXXX XXXX XXXX CA ) 1st ( XXXX ATM ID XXXX CARD XXXX ) 2nd ( XXXX ATM ID XXXX CARD XXXX ) 3rd ( XXXX ATM ID XXXX CARD XXXX ) The theft, according to my bank statement was a ATM withdrawal which somehow was authorized with an ATM access code. I reported this to my bank Wells Fargo as soon as I realized that someone is withdrawing money from me, after weeks of investigation from Wells Fargo on my claim, they decided to deny my claim. This is completely crazy because they didn't even tell me the reason why my claim got denied. I've provided them with all the information that I possibly could but still, they denied me. I've never lost my phone, debit card, OR given out my personal information on the internet bank to anyone. Please please help me..

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-08-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
On XX/XX/2018, I spent {$800.00} purchasing a Moneygram money order at a XXXX store when I was traveling in Rhode Island. The purchase fee is {$0.00}, and the amount on the money order is {$790.00}. I have the receipt from XXXX and the original money order in my possession. 

On XX/XX/2018, I used the mobile app of XXXX XXXX XXXX to mobile deposit the money order into my checking account. I thought there's no problem with this money order. However, on XX/XX/2018, I received a phone call from XXXX XXXX XXXX saying that my checking account has a negative balance because Moneygram only pays {$11.00} for the {$790.00} money order I deposited on XX/XX/2018. 

I called Moneygram to get clarification on this issue. The representatives I have talked to include XXXX, XXXX, and XXXX XXXX XXXX works for the paper product 2 department, escalation department for money order concern XXXX. They checked their system and insisted that the money order only has {$11.00} on it. How could that be possible?? I have the money order in my possession right now. It clearly has {$790.00} printed on it. I also have the receipt showing that I paid {$800.00} for the money order using debit cards. What's wrong with Moneygram 's system? Where did my money go? I purchased a {$790.00} money order but got paid {$11.00} by Moneygram. Where did the difference {$780.00} go? Moneygram representatives are not willing to help. I need the money to pay my rent!!! This issue has been making my life miserable. I can't focus on my job and I have to worry all the time about where my rent money comes from. 

Here 's some detailed information about the money order : serial number : XXXX Amount : {$790.00} purchase date : XX/XX/2018 purchase location : XXXX store, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX XXXX  store manager : XXXX XXXX XXXX  phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE STATED TO TRANSUNION MANY TIMES THAT I DID NOT OPEN THIS ACCOUNT AND IT NEEDS TO BE REMOVED FROM MY CREDIT PROFILE ASAP AS IT HAS HARM MY LIFESTYLE AND BUSINESS

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 2022-10-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Our mortgage was sold to PHH Mortgage Company last year. We were in the process of modification with the prior company Ocwen. They lost the modification information so we had to start all over again. They reported negatively to the credit bureau on multiple accounts. Now after we finally get things situated, they still don't have the payments updated correctly and it is still effecting my credit score negatively. I have spoken to them several times on behalf of this issue. They are outsourced and very hard to speak to so I also believe there might be something lost in translation at times or the lack of caring for customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX I transferred money ( {$200.00} ) to XXXX to my family using western union app as i have used it 3-4 time before same place same person. After the i got mail from the western union with all the correct information. The transfer was done using my bank account of sun trust to my sisters bank account in XXXX ( B2B ). the money has to appear to receiver bank account by XXXX XXXX but i waited, i thought it might take time. After a wait of 10 day on XXXX XXXX Saturday I called to the western union inquired about the money transferred and it happens to find out that money was transferred to wrong bank account in XXXX but the information i put and the mail from western union say correct details of everything.Then i called western union after hearing all my details XXXX  from western union make a case ID and gave me, tell me we will look upon it and will give you reply within 24 hour but no body responded so i decided to call them back and when i called on Monday they took all information and hung up on me. next day i tried again same thing happened. i tried today again and the again hung up. I am sending all information that i have please help me to resolve. 

Tracking number - XXXX case ID - XXXX My cellphone no. XXXX XXXX XXXX, Thank you. The payment for your money transfer has been received. 
It will be available in XXXX XXXX 's bank account by XX/XX/2018. 

If you have any questions, contact us anytime. 

Thanks for using Western Union. 

___________________________________________________________________________________________ This is your proof of payment for the money transfer below. 
______________________________________________________________________________________________ Your tracking number ( MTCN ) is : XXXX Transaction Date : XX/XX/2018 XXXX ET Payment Method : Bank Name : XXXX Account ending in : XXXX Routing Number : XXXX Delivery Method : Bank Name : XXXX Account ending in : XXXX Bank Code : XXXX Mobile Number : XXXX Street : XXXX XXXX XXXX XXXX : XXXX Sender : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX : VA Country : UNITED STATES ZIP : XXXX Phone Number : ( XXXX ) XXXX Receiver : Name : XXXX SHARMA City : XXXX State : XXXX Country : XXXX ZIP : XXXX Expected Payout Location : XXXX, XXXX, XXXX Payment Information : Bank Name : XXXX Account ending in : XXXX Routing Number : XXXX Account type : CHECKING Payout Information : Today 's Date : XX/XX/2018 Date available in receiver 's country : XX/XX/2018 Delivery Method : 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 Receiver : XXXX INR

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Experian Information Solutions Inc.
State: MI
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:
In XX/XX/XXXX I filed a dispute with Experian about an account on my credit report from XXXX XXXX  XXXX XXXX XXXX ( XXXX  ). 

In XX/XX/XXXX/XX/XX/XXXX I had ATVs on a loan through a Credit Union called XXXX XX/XX/XXXXXXXX XXXX XXXX ( XXXX ). These ATVs were repossessed in XX/XX/XXXX, creating a date of delinquency of XX/XX/XXXX. This was never pursued by XXXX. Sometime between XX/XX/XXXX and XX/XX/XXXX XXXX  was bought out by XXXX and they charged off these ATVs in XX/XX/XXXX. They also falsely claimed that I made a payment of some sort in XX/XX/XXXX, which illegally re-aged this account. This account should have fallen off my credit report in XX/XX/XXXX due to the Date of delinquency being XX/XX/XXXX.

Due to this I disputed this account with all three credit bureaus. As of today Experian completed their re-investigation and this account was still on my credit report.

I attempted to dispute these with Experian again they wouldn't allow another dispute. This account should be time barred from credit reports and Experian continues to report it as being negative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX  is a fraudster company -- they work for the banks so all they want is to help the banks capture your property. They do not provide a way to dispute credit iu=inquiries which can affect your credit score. The people there are abusive and frustrating. They say they will call you back and they DO NOT. These people should be exposed for the scam to consumers that they are.

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 2020-10-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : 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 US DEPARTMENT OF EDU XXXX XXXX - XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EOS Holdings, Inc.
State: IL
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 logged into XXXX today to check my credit report and saw this collections account. I have addressed this issue multiple times with the credit bureaus and it keeps showing back up. I have never had an account with XXXX XXXX. This account is either fraud or belongs to someone with a similar name as me. I was never contacted by the collections agency prior to this account showing up on my credit, in violation of FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: AFNI INC.
State: GA
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:
XX/XX/2020. This account was settled and closed. It was negotiated and promised from the collection agency that upon payment acceptance the debt would be totally removed from all 3 credit bureaus. It was only removed from XXXX  and not XXXX  or XXXX. I expect the collection agency to uphold their agreement and remove the listed debt from reporting. As well as the information that is being reported to XXXX and XXXX  is reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Synchrony Bank is a corporate XXXX! Within a year, they have closed both my XXXX and XXXX credit cards ... .both of which I have faithfully paid!! Ridiculous!! The reasons cited in the latest letter were issues on my credit report that existed BEFORE I was even approved to have them! Seems to me the employees are bored and have nothing better to do than nitpick consumers who have actually been paying their bills! I would NEVER recommend Synchrony!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting an inaccurate late on 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 non-monetary relief
Consumer complaint received 2017-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX reported {$190000.00} with a remark stating loan modifiedon XX/XX/XXXX. This account in question supposed to be a mortgage which I dont have. The property thats been referred to was taken back in XXXX by Bank of America ( principal balance was XXXX ) that was the last time I heard anything about the property. Until XXXX XXXX service appeared on my credit report this month. The company stated to me that the loan was transferred to them by a company named XXXX ( I do not know the company ) in XXXX and I modified the loan in XX/XX/XXXX. I do not live in the property nor do I own the property since XXXX. To my understanding XXXX XXXX XXXX has received and holding insurance proceeds on my behalf which I did not give them any consent to do so. I have requested for the alleged application that I sign to request loan modification which the company is unable to provide.

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 2023-01-27
Company: Experian Information Solutions Inc.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-02-11
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXXXXXX is still showing that I have 5 late payments and Ive never been late with my card payments. This is against the law and needs to be corrected immediately. Its hindering me from obtaining credit.

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 2021-09-01
Company: EQUIFAX, INC.
State: IA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: CIT BANK, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off the balance of the mortgage on XX/XX/XXXX. The company charged me a fee to reassign the mortgage to my new lender. It has been more than 90 days and the company still hasn't removed their lien from my property. Their incompetently slow processing is now causing me personal financial difficulties. When I call the bank they say that " they are waiting on signatures '' but take no action. The company charged me a fee related to this reassignment ... I believe that entitles me to reasonable execution of responsibilities. 

Additionally, but not related to this issue, the company took one additional monthly payment from my account after the loan was closed ... it took them several phone calls and more than 60 days to return those funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my credit report that I do not recognize and I did not authorize that I will like to be deleted from my credit report.. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Bread Financial Holdings, Inc.
State: GA
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:
I was shocked when I reviewed my credit report and found late payments below : COMENITY BANK/LNBRYANT # XXXX COMENITY BANK/XXXX  # XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief