BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-02
Company: WELLS FARGO & COMPANY
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I applied for and received a mortgage through XXXX XXXX, a company in Utah. After receiving my loan, they sold my mortgage off to XXXX with the stipulation that I paid my first months mortgage ( Due XX/XX/XXXX ) directly to XXXX. I wrote and sent my check on XX/XX/XXXX for the amount of XXXX. It was processed and went out of my account on XX/XX/XXXX. There was also another payment that went out on the same Check number for the amount of XXXX. I did not authorize this amount and never wrote a check for this amount, nor is it possible to write a check for a different amount using the same check number. After contacting my Bank and XXXX XXXX on XX/XX/XXXX, It was made known to me that Wells fargo, the lending company 's bank, was the one in error. It was said that they possibly paid someone else 's mortgage with my Check information. My bank said there is nothing they can do, such as a stop payment, because the check went through. I am not sure why this is possible that that same check number was used twice. I was told to be patient and that Wells Fargo would fix the matter. I contacted my bank and again was told that there is nothing that can be done on their end, meanwhile my account is overdrawn and I am missing XXXX $ from my account. I called XXXX on XX/XX/XXXX and am told that they can do nothing unless the mortgage company calls in. I am still without my money, that I did not authorize to be taken from my account, and I am unable to pay bills or even deposit money into my account since it is in the 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 2022-02-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian Information Solutions has willfully and illegally reinserted a deleted account from XXXX & XXXX onto my consumer report that doesn't even belong to me on XX/XX/2022. This is the THIRD time this derogatory account has been placed on my Experian consumer report. Experian is in violation of Fair Credit Reporting Act 611 5 ( B ) ( i ) which states the following : Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

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 2019-07-31
Company: EQUIFAX, 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 AM A VICTIM OF ID THEFT. I HAVE ENCLOSED ALL DOCUMENTS NECESSARY TO HAVE ALL ITEMS LISTED BE IMMEDIATELY BLOCKED PURSUANT THE FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
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: Problem with personal statement of dispute

Complaint:
Mortgage company HSBC/XXXX XXXX reported a late payment XXXX XXXX. The payment was not late and was submitted electronically via bill pay on XXXX XXXX ( I have bank proof ). I also received a letter/voicemail from XXXX XXXX that this would not be reported late, the late charges were even removed. The payment somehow was lost in their system and it took days and countless phone calls to retrieve it. 
After filing an investigation via Equifax, XXXX XXXX denied it, claiming it was late. I have evidence to the contrary. 
Also, Equifax has XXXX credibility anymore and should be dissolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: PAY-O-MATIC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
The customer sevice said that she was going to help me with XXXX and did not assist me. I am still waiting. I have a goverment licence for XXXX and I spoke to XXXX XXXX and told her that I have to register the XXXX XXXX funds for my compensation for my program. She said ok. I explained to her that the XXXX XXXX agent said that the computer device to register the XXXX XXXX funds was at payomatic and that the computer has been there for a long time. The agent told me this in 2015.  Please note that as a licensed contracter, please notify the payomatic director XXXX of my rights to register my XXXX XXXX shareholder funds. XXXX said that she would speak to anyone who can call her to let her know that I am ready for the funds to be released from XXXX XXXX. The XXXX XXXX  agent said that the computer device to register these funds is at payomatic and she told me that in 2015. I  already confirmed with the Federal Trades Commission with proof of funds and I already confirmed with the XXXX XXXX agent XXXX XXXX and she said that my funds are ready to be released as a grant XXXX licensed with the federal government. Please let the payomatic director XXXX know that I am ready to retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Checkr, Inc
State: IL
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: Public record information inaccurate

Complaint:
I am a XXXX XXXX and XXXX did a recheck on my background it was done by checkr I had a XXXX XXXX   XXXX in the past I don't like the life of being gone all the time XXXX   XXXX  so I decided to let my XXXX go so I didn't turn in a dot physical the last time it was due so on my mvr I has a disqualification on my XXXX part of my mvr for medical noncompliance and checkr keeps putting it under violations I have had 2 reinvestigations done and sent them stuff from the BMV and they are still putting it under violations when it is not a violation it's a disqualification on a class a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: WESTERN UNION COMPANY, THE
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I went to a local grocery store to wire transfer XXXX dollars to my personal banking account through Western Union on XX/XX/XXXX. The clerk informed me I would need to pay an extra XXXX dollars fee so the money will deposit into my account " instantly within minutes " total of XXXX dollars. The next dayXX/XX/XXXX I checked my account no XXXX dollars available. My bank said no money seen nor pending to my account. I called western union back on XX/XX/XXXX spoke with XXXX # XXXX. XXXX voiced I will receive a refund on XX/XX/XXXX available at any Western union. I checked and no funds were available. I called western union back XX/XX/XXXX and was told to wait 48 hours. After the 48 hours still no XXXX dollars. I called western union XX/XX/XXXX the representative voiced wait 48 hours. On XX/XX/XXXX spoke with XXXX # XXXX. I was told the same story. " The money is waiting on the bank to approve it, it should be in 48 hours " my bank was contacted again on XX/XX/XXXX. My bank voiced they do n't see anything pending and to contact western union again. XX/XX/XXXX I spoke with XXXX XXXX XXXX. Same story, " it will take 48 hours " " it 's in process " Noone was able to tell me where my money is. I had to explain what the tracking number was. They asked for the tracking number and tracking number given but no one can see nor tell me where my money is, even with the tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Regarding the recent Capital One data breach of over 100 million customer records : I am a customer, with two credit card accounts. I found out yesterday, XX/XX/XXXX, by reading the news that the breach had happened, and phoned to find out if I'm affected. I was horrified to be told that the company will not take immediate action, like phoning or emailing affected customers, because that would be a security risk. How ironic, not to mention ridiculous, is that? I get email notifications about security issues from other credit card companies, like XXXX XXXX. So that's a totally XXXX  excuse. 
Instead, we have to wait 7 to 10 business days!! for a snail mail letter to arrive. That's up to two weeks! This is outrageous -- up to two weeks before we will be offered any kind of protection or will know whether we have to take what might turn out to be unecessary drastic action such as freezing our credit records. 
Capital One is not moving fast enough or smartly enough. Nearly everything they've done regarding this breach, including how it happened in the first place, indicates their understanding of cybersecurity issues is abysmal. Please make them do a better job of contacting customers who were affected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This information reporting on my credit report attached to FTC report are not my accounts

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 2022-02-10
Company: Experian Information Solutions Inc.
State: DC
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:
According to 18 U.S Code 8 the term obligation or other security of the United States include all bonds, certificates, of indebtedness, national bank currency , federal Reserve notes, federal Reserve bank notes, gold certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United Stamps.

Ive been trying to resolve this issue for quite some time now. Im mentally stressed out and depressed because of this fraudulent bill thats affecting my credit report and my lifestyle that Im trying to provide for my children.

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 2017-07-14
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have several concerns with this preditoral company. the first thing is that this company adjusted my escrow amount and i was never notified concerning that. I had been paying my original amount for mortgage and didnt know that the escrow had increased which caused my payment to increase. Once receiving a copy of my credit report i saw i was being reported late by Ocwen. To find out what they were doing was taking what i was paying holding part and applying the rest to the escrow difference so it looks like that i am not paying my mortgage on time. I tried to do a VA re-finance last month and they had reported me late and i wasnt late so the finance company pulled out. I paid my mortgage on  XXXX / XXXX /   17  and they said I paid it  XXXX /17/ I have the receipt from when i paid this. This company is thief. I need help in this matter. I even asked them since i never knew that the escrow switched before hand wont you just apply the escrow difference to the end of the loan. They keep saying we need to talk with the loan investor. Never got and answer. All these items above have dinged my credit and it has hindered me in doing personal things in my life. if you check my payment history I always paid on time according to what i knew.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several inquiries on my report that are simply NOT mines. I have ask the credit bureau several times to no avail to investigate each and every inquiry that does not bare an applicable account related to the inquiry. There has been sever time where I get a alert from my credit monitoring service telling me someone is applying for credit. I immediately contacted the credit bureau to notify the of the situation with no remedy.. I have seen with my own eyes. My father who is XXXX and I'm XXXX apply for credit using his Social security number and the inquiry immediately shows on my report. For this reason I have asked the credit bureau to investigate each and every inquiry but to no avil I have ask in writing as well via telephone. I've also ask for proff of all inquiries showing they belong to me ie and application bearing my name social security number and signature and address to prove that their report is completely accurate as reported but as of this date no responce was given!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This agency failed to provide me with how they verified these alleged debt when requested. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a disputes to TransUnion and they lied and said they verified the 3 bankruptcies but they did not. I also provided them with court documents that prove the 3 bankruptcies were falsely filed in my name without my consent. The court documents prove I sued the individual and won. The court determined I did not ever file bankruptcy. I tis obvious that TransUnion did not review the documents I sent. I have proof they received my letter because I sent it certified mail. These illegal bankruptcies are preventing me from obtaining a place to live. I have been trying to get an aprtment. I have shown the court documents to apartment managers but they say there is nothing they can do because they base their decision of approval on my credit report. TransUnion has the responsibility to properly verify my disputes and they filled to do so. Below are the bankruptcy information XXXX is reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14
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: Account information incorrect

Complaint:
Dear Sir/Madam I had sign up with  XXXX  for electricity based on their marketing calls. They had promised me {$600.00} in gift cards for signing up. However, after several months they failed to provide the gift cards. I had called them numerous times and even filed a better business bureau complaint. Finally, I had enough and I cancelled the service after paying every penny for the electricity I had used.  XXXX  then reported my account as delinquent to the credit reporting companies. I had filed complaints with all the  XXXX  credit bureaus to no avail. Apparently  XXXX  is reporting a {$240.00} termination fee as outstanding balance. I was not aware of this bait and switch trick that  XXXX  is engaged in.   XXXX  I request that your good office help me remove this erroneous and fraudulent entry from my credit reports and take strict action against  XXXX  for their fraudulent business practice.   XXXX  Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir/Madam I had sign up with  XXXX  for electricity based on their marketing calls. They had promised me {$600.00} in gift cards for signing up. However, after several months they failed to provide the gift cards. I had called them numerous times and even filed a better business bureau complaint. Finally, I had enough and I cancelled the service after paying every penny for the electricity I had used.  XXXX  then reported my account as delinquent to the credit reporting companies. I had filed complaints with all the  XXXX  credit bureaus to no avail. Apparently  XXXX  is reporting a {$240.00} termination fee as outstanding balance. I was not aware of this bait and switch trick that  XXXX  is engaged in.   XXXX  I request that your good office help me remove this erroneous and fraudulent entry from my credit reports and take strict action against  XXXX  for their fraudulent business practice.   XXXX  Thanks for your help.

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 2017-09-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX  or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing an unacceptably lax job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Chime Financial Inc
State: MA
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, the bank Chime processed a transaction at XXXX for XXXX and XXXX dollars. At that time I already had reported my card lost and the transaction should have never gone through. But the card company never ended up blocking my card causing the payments to go through.i called the bank multiple times to make disputes. I made two disputes. The first time I added information about me having masshealth and how I also did not have a card at that time. That wasn't enough so they canceled the dispute. I added my police report the second time and that was still not enough. XXXX I called asking for the report of when my card was reported lost. They said they couldn't give it but would have someone call me back. They never did so I called back on XX/XX/XXXX. They stated they could not give me access to when my card was reported lost so I can submit it for a new dispute. I would like my {$800.00} back. My card got lost at XXXX and someone at XXXX must have used my pin to get access of stuff that's {$800.00} in XXXX. I also have masshealth and wouldn't be paying for any medication as I am in XXXX custody. They should have the police report as I sent it to them through email. 
XXXX XXXX

Company response to consumer: Closed with explanation