BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-13
Company: M&T BANK CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Around XX/XX/19 I attempted a bank to bank wire transfer from my M & T bank account to my credit union. Via the online process, M & T requested my user name and password for my credit union account , M & T accessed my account and then asked a couple of unique questions regarding my  credit union bank account. I answered the questions and was told everything was successful and I could complete the wire transfer. I then attempted to transfer the funds, but was then denied as I was told one of their fraud detectors were triggered. I've been the same back over 20 years and since M & T took it over via an acquisition. I called M & T to see what triggered the fraud alert, but was told they could tell me anything, nor did they know why it was triggered. The transfer was very important as I was closing on a mortgage and urgently needed closing costs money transferred to my CU. I was told I needed to email my CU statement to lift the wire suspension. I emailed the statement around XXXX but was never notified by M & T that the suspension was lifted. I never completed the transfer. 

On XX/XX/19 I attempted to use XXXX, a service offered on my M & T account to transfer {$250.00} to a relative. After successfully registering and attempting to transfer the funds, M & T denied my transaction, advising I triggered one of their fraud alerts/detectors. Again tremendously inconvenienced and know feeling targeted, I called M & T to determine what happened but was told they could not tell me nor did they know. I advised I felt weird and somewhat discriminated against. Why do I constantly trigger a fraud alert but no one can tell my why or even provide a high-level rationale. 

Similarly to when someone is provided or denied credit a company must advise why, M & T 's current practice will cause additional regulation because banks can't do what's right unless forced to. I understand specifics may not be able to be provided to keep the integrity of the process, but you have to tell long term, honest customers something. The treatment is just wrong, and falls on deaf ears. 

Nevertheless, I was unable to complete the transfer and was not provided a reason, nor timeframe as to when I would be able too. I ended up using XXXX XXXX to complete the transaction ( I also used XXXX XXXX to facilitate the movement of funds from M & T to my Credit Union - back in XX/XX/2019 ). 

I have had NSFs in the past, and have paid all fees. A review of my account history will never show any fraudulent activity.

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 2019-05-13
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
I recently obtained my credit report & learned my Macys credit card was charged off. 15+ years ago I added my daughter as an Authorized Signer. She subsequently charged on this account and stopped paying, resulting in charge-off. As the owner of the credit card, had I been informed account was delinquent, I could have prevented balance from escalating, & could have removed authorized signer status, & prevented charge-off, & negative credit r. When I contacted Macys to inquire they stated my daughter was a joint account holder. I at no point added her as joint account holder, and she did not sign application for credit. Macys is unable to provide me copies of documentation confirming joint versus authorized signer status. I no longer have this documentation due to a house flood. If Macys can not provide documentation, I would like the account removed from my credit report, and am willing to pay the balance owed when the account became 30-days past due. Had I been aware of delinquency at 30-days, future charges could have been avoided, and I would have removed my daughter from the account. I feel I have been harmed because Macy 's inappropriately changed type of ownership on my account, and can not provide documentation to support the change. 

Thank you for your consideration. 

Kind regards, 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 2021-12-02
Company: WELLS FARGO & COMPANY
State: GA
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:
On XX/XX/XXXX t mobile debit my wellsfargo checking account XXXX. I contact both bank and merchant to find out how and why this happened. After XXXX days of investigation tmobile ultimately was responsible for the mishap. The matter was resolved on XX/XX/XXXX a final credit of XXXX was posted to my account. On XX/XX/XXXX tmobile authorized XXXX. I was contacted by a representative of tmobile explaining it was a mistake if the bank had already given me the credit. I told the rep the money is there and she stated it's to late to reverse can I go in to a XXXX  store to return. I went to a XXXX  branch paid the amount using my wellsfargo account. I check my account on XXXX and find that XXXX has been withdrawn from my account and the culprit was wellsfargo stating I was credited twice. I called customer service and the call was escalated to resolution rep as well as went to local branch that said they don't handle fraud cases. I asked why did it take XXXX months XXXX pay checks several deposits later for them to notice this and why was I not given a letter or an alert to resolve this matter before my account was debit and currently overdrawn. My answer from the resolution rep was that I could speak to an XXXX, which would contact me. And as yet to happen. I ask when I file a fraud case are you not communicating with the merchant. To ensure that the consumer will be made whole and was told that's not how it works. I feel totally violated and unappreciated as a customer of wellsfargo because of there lack of assurance when it comes to transactions and poor customer service skills.

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 2019-01-31
Company: North American Credit Services
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I think the payments started XX/XX/2018. The amount was around {$800.00}. I was set up on a payment plan to pay medical bills. There was an option for a settlement, but I didn't have the money for it at the time. The second time i inquired about the settlement i was told that because i either inquired or was offered a settlement twice, i would no longer have that option. I think it is unfair that the option is off the table because of something i could not control.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX  XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX  XXXX ) XXXXInaccurate XXXX XXXX ( Original Creditor : XXXX  XXXX   XXXX XXXX  XXXX ) XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX  XXXX   XXXX | XXXXN/AInaccurate XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Inquiries : XXXX  XXXX XXXX   | XX/XX/XXXXN/AInaccurate XXXX  XXXX XXXX   | XX/XX/XXXXN/AInaccurate XXXX  XXXX XXXX | XXXXN/AInaccurate XXXX   | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX   XXXX XXXX XXXX  | XX/XX/XXXXN/AInaccurate XXXX  | XX/XX/XXXXN/AInaccurate XXXX XXXX  | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX  | XX/XX/XXXXN/AInaccurate XXXX-XXXX  | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate XXXX  | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.

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 2019-05-13
Company: WELLS FARGO & COMPANY
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: Personal information incorrect

Complaint:
My identification was stolen due to an clerical error by the Texas dmv & XXXX data breach. 

Wells fargo, for the past year refused to use common sense, approve my personal loan so I can move back to XXXX XXXX, where my identification is valid. 

I was born in Texas, had to change my name os my social security card, I have an statement from XXXX from XX/XX/XXXX : I can use my statement to get my personal loan approved. 

I'm an XXXX XXXX XXXX employee since XX/XX/XXXX. 

I open my account with Wells fargo XX/XX/XXXX less than 2 weeks later I filled an police report with the XXXX XXXX, Tx police department XX/XX/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 2019-05-13
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian had my permanent address listed in various formats as well as different spellings of my name. Probably to facilitate fraud with illegal immigrants as they were very adamant about not making a correction on the report that should have just required me uploading my id to show the true spelling of my name and correct formatting and unit number for my address. 

Experian has readded the address without a unit number. I feel this is to facilitate fraud so they can get Federal Grant money to increase their security controls and some side money by helping illegal immigrants facilitate fraud and obtain services that legal US Citizens can barely obtain even though they work and pay taxes. 

I want incorrect and fraudulent information permanently removed from my report and not readded. 

Additionally the whole credit reporting system is a violation of UN Declaration of Human Rights Article 12. 

Please have them remove this incorrect information. I never applied for credit with this address nor have I used the address without a unit number.

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 2019-05-13
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: Account status incorrect

Complaint:
Experian and XXXX both lead off the characterization with " seriously delinquent '' when I have never made a late payment, been charged a financial penalty or incurred a cent of interest on a potential interest-earning monthly balance or statement. That is completely true of credit cards and 2/3 rd true of car and home loans. Moreover, a possible smirch on my otherwise pristine record may have arisen from a collection issue with XXXX - a non interest-bearing situation - over timely cancellation charge resolution.Including utility service disputes in credit ratings may be an overreach in some credit activities.

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 2019-05-13
Company: GreenSky, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
GreenSky LLC. and XXXX XXXX XXXX  of XXXX, IL. 

GreenSky at XXXX  XXXX, XXXX, GA XXXX at the time of my application of the loan clearly states in the flyer and on the phone that this loan is no interest loan for one year. This loan is in conjunction with XXXX XXXX college counseling. 
However, when the first bill came, i was charged {$240.00} interests in and {$440.00} interests in the second bill. They even sent me a letter in attempt to collect the interests. 

It is an intentional misrepresentation of the contract and an attempt to illegally change the terms of the contract. This kind of consumer lending is NOT Acceptable. 

My account number is : XXXX XXXX XXXX XXXX. I will attach the flyer and the statement and the collection letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13
Company: Experian Information Solutions Inc.
State: SD
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 have experienced various forms of harassment by the California Government including XXXXl XXXX as a child. I am trying to remove the addresses that do not belong to me from my credit report. The address listed was initially removed and then added back by Experian. This address does not belong to me and never did. The address is associated with fraud by XXXX XXXX and members of the California Government. 

I want this address removed from my credit report. 

There is a XXXX XXXX who lives in this apartment complex as well as a family member who belongs to a weird XXXX. 

This address does not belong to me and never did under any legislative statutes.

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 2021-12-02
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: Personal information incorrect

Complaint:
On XX/XX/XXXX I wrote to EQUIFAX requesting to correct my personal information. I sent them : my Current Driver 's License, 3 Utility Bills, and 3 paystubs and social security card to correct my information to fix/update my name CORRECTLY, my address and employment. I also requested that XXXX XXXX AND XXXX XXXX XXXX be verified. EQUIFAX NEVER RESPONDED AND NO UPDATES HAVE BEEN MADE TO MY CREDIT REPORTS SINCE XXXX. 

As I stated that : Credit account # 1 ( XXXX XXXX or as it may have re-appeared as XXXX XXXX 1 ) you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : XXXX - This account keeps being allowed to modify their name and re-appearing on reports. 
Credit account # 2 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial is trying to collect a debt that doesn't belong to me I talked to one of their representatives they have my name however the date of birth doesn't belong to me, belongs to my son still they '' don't want to remove the account under my name and my ss # and is affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: EQUIFAX, 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:
adding debt that is not known to me XXXX and XXXX XXXX sent the ftc violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: SN SERVICING CORPORATION
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with SN Servicing for quite some time to reach some sort of settlement or loss prevention option. I have been assigned to a XXXX XXXX there who has been a nightmare to work with. Not only is she rude, but, she never returns any messages/emails etc. She has been difficult to communicate with and when we do, she seems to be really rude and impatient. I submitted my file over to her XXXX weeks ago on XX/XX/18 and she still has failed to call back. When i do call into their company they advise that they will have the file escalated to her Manager but nothing happens. Since the XXXX weeks, I have now received foreclosure notices on my door. I don't know what to do at this point as this have been increasingly frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was put in collection in error in 2017, I had contact the XXXX   office numerous of time advising them that there were a check issue for XXXX XXXX for amount of {$2100.00} and for XXXX XXXX {$6500.00} which was made out to my Ex-husband which he admitted taking the checks for his personal use, I contacted the XXXX XXXX spoke with XXXX regarding this matter fax over all documentation from the court hearing and still no luck. I checked my Credit report with XXXX, Transunion, XXXX   and all three creditor has me in the report giving a BAD score. This has affected me personally I'm in distress can't buy a house because this is in my credit report for all three bureau. The responsible for this monies own to any/and all XXXX  is my ex-husband which can be verified by the attached divorce decree holding myself harmless for any monies owned to this XXXX   XXXX XXXX {$69000.00} and XXXX XXXX {$2100.00}. Please help me I have already attempted with all three credit bureau send all court order plus hired a lawyer to go back to court I'm out of resource of how to flight this error with the credit bureau I need my name to be clear in order for me to purchase a House. Thank you for your time. Have a blessed day.

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 2021-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have reported that I sent a money amounting {$520.00} thru XXXX which most of the bank right now offer as money transfer, I already filed a claim since it was thru that money transfer it was not insured under that form of payment, They can not able to give me back the money that i sent, I tried to contact the Person whom i accidentaly sent the money he was telling me that his bank could handle it.now we were trying to reach out to the bank of that person and i think my bank already reach out to them, hopefully it work well.. 
My bank is Bank of America the transaction i dispute was sent last 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 2020-02-25
Company: EQUIFAX, 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 would like Equifax and XXXX to remove the remaining fraudulent accounts from my consumer reports.

Company response to consumer: Closed with explanation