BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
NO COPY OF WHO ENDORESED THE MONEY ORDER HAS EVER BEEN RECEIVED from Western Union. 

DEFINITION OF ENDORESED - Sign ( a check or bill of exchange ) on the back to make it payable to someone other than the stated payee or to accept responsibility for paying it ) I am not asking for payee information.  Western Union please send a copy of facts : a copy showing bank account tracking information such as the XXXX XXXX routing number and account number that the money order was cashed from that also shows that XXXX stamped or signed the money order. A blank money order shows nothing and just saying that Western Union sent three copies and to call XXXX XXXX means nothing. Fraud and Scam. Money was paid to Western Union to provide this information to me.

Western Union has been deceptive in providing me with proof/factual information on who cashed the {$130.00} money order that I paid for and has refused to provide me with a copy on who endorsed the money order. I have requested for months that that Western Union ( Western Union Reference Number : XXXX ) give me traceable information on who cashed the money order and as of today, XXXX, they have refused to provide facts and keep providing useless responses. A copy of the money order is attached. The problem occurred in XX/XX/2020 after my bill was not paid. I contacted the XXXX XXXX XXXX ( complaint ID # XXXX XXXX to resolve this with no conclusion after Western Union refused to send me a copy on who endorsed the money order. Western Union also closed the case since they  sent me a copy of the front of the money order and a blank copy of the back of the money order. I also contacted FTC with a complaint and never received a response. I need the following facts on who endorsed the money order who cashed it and where did the money go since XXXX never received it. Western Union refuses to send me the following after they told me to pay them {$15.00} to receive a copy of the front and back of the endorsed money order. I have never received the following from them : company name or person who endorsed the money order a copy of the back of the endorsed money order ( not a blank copy of the back of a money order ) the bank account number that the money order was deposited to the banks name or routing number. I am requesting that Western Union send me a full refund of {$150.00} - {$130.00} for the money order and {$15.00} for the requested copy of the endorsed information from the money order to resolve this complaint. Western Union please contact our Corporate Headquarters at XXXX, and provide the Western Union Reference # : XXXX. You may also email us at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried repeatedly to get my credit report and have Equifax change my name. They have my name as XXXX XXXX XXXX and my correct name is XXXX XXXX, XXXX. I tried to contact them today and the person I spoke to asked for my bank information, credit card information and balances on accounts. I couldn't understand the person I was talking to but proceeded to give him all the information. He said he couldn't verify my identity with all the information I gave him. I asked if I could please speak to a supervisor and he said he would not connect me because he has a certain amount of information that he can collect which I gave him and he wouldn't verify my name. I also asked for my credit report which I get free once a year and he declined to send it. The other credit agencies are more than willing to send my information and also have my name correctly. Also, the other credit companies have my credit score considerably higher than Equifax. They have been the source of many problems when I am dealing with credit. I can't seem to get my concerns addressed and find this as my only recourse. I hope you will take the appropriate actions to get my name corrected. I have several proofs of identification listing my name as XXXX XXXX, XXXX ( No middle name ) Not XXXX XXXX XXXX. Thanks for your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: CA
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 Fair Credit Reporting Act this creditor has violated my rights under the 15 USC 1681 section 602 states that i have the right to privacy, 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions, under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Experian Information Solutions Inc.
State: FL
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 have closed accounts on my credit report that should not be there, they are showing incorrect balances and information unrelated to 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 2020-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made a {$600.00} principal payment against my outstanding loan balance. Bank of America posted it, reduced my outstanding balance and then immediately posted " Misapplication reversal '' for an amount of {$600.00}, and adding {$600.00} to my outstanding balance. In essence they accepted my payment, reduced the outstanding balance and then immediately reversed the payment adding to my outstanding balance. My payment was with good funds and from a B of A checking account. 

I contacted B of A 4 times about this : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was told it would be resolved within 3-5 business days. It was not. That call was with XXXX in XXXX XXXX, ID # XXXX at approximately XXXX PDT. Claim # XXXX On XX/XX/XXXX at XXXX PDT XXXX, ID # XXXX issued a complaint on my behalf # XXXX and said someone would contact me the next day. No one did. 

I was told by B of A personnel during these 4 calls that the problem was systemic as B of A implemented a new loan software program.

Typical hold times for each of these calls was 1 hour minimum.

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 2020-09-14
Company: Coinbase, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have got some issue here related funds withdraw from coinbase. 
I have started total 2 withdraws on XX/XX/XXXX, which is amount {$3100.00} reference number : XXXX, and amount {$5400.00} reference number : XXXX to my XXXX XXXX bank account.i can see the money did hit my account, and have been posted.BUT the exactly same amount of money been DEDUCTED from my account by coinbase at same time.which means I didnt receive the money I mean to withdraw either in my bank account nor coinbase wallet. 
I have try to contact coinbase for this matter in past few days and havent got satisfied answer, the problems remain unresolved! i DEMAND coinbase to take it serious as this is quite big money for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 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 explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

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 2020-09-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I traveled out of the country on XX/XX/XXXX and returned on XX/XX/XXXX, XXXX when I returned I noticed some unauthorized transactions on my TD Bank credit card. I called immediately to report and inform them of the unauthorized transaction on my credit card. Even though my credit card was still in my possession. There were six different transactions that occurred on the card, which summed up to {$760.00}. I spoke with someone on the phone and it was made clear from the conservation that, once the card was in my possession and the transactions proved that the card was physically present for those transactions, there was nothing they could do. She then proceeded to ask to file a police report if I wanted to consider the case legitimate and increasing my chances. I did file the police report and faxed it over. 
Going back and forth on the phone, I was told to go see a local representative at any local Td bank to try and resolve the issue. but when I got there. they informed me that there was " nothing they could do ''. They don't usually handle fraud and dispute. The only thing that was resolved my them canceling my credit card and issuing me another one. 

I received a letter saying my case close and I was responsible for the unauthorized transactions. After reaching out several times, most representatives could not give me a solid reason as to why my case was closed and I was responsible for the {$760.00}. A representative told me to fax the police report over so the can open the case again. Which I did again. Another representative told me they never got my fax. I fax it again. Different representatives gave me different stories as to why my complaint has not being resolved. The recent conversation on the phone with a representative stated my claim was on the system and will be reviewed by top management. 

I was vetting out on social media and my informantion was taken. I lady by the name of XXXX reach out to me. explaining to me the process but nothing was resolved either. She was supposedly in top-level management While this dispute was going on. I was made aware that I am not responsible for any payment until the issue was fully resolved. I was very dismayed when I received a letter on XX/XX/2020, stating that, my monthly payment of {$7100.00} is past due. And before that my monthly payment was {$35.00}. 

This whole process was quite frustrating and not my fault. I don't see any reason why I should be footing a bill I am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Wells Fargo open an account unauthorized in my name a checking account I had no idea until I got an email stating that I had an account open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I made payment today of XXXX to get out of the rear. But my school lied to me on how much I would be making with a bachelor 's. Called a nd talked with some representative and she told me I don't qualify for any repayment plans other then just making that payment on my federal loans service by Sallie may or Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: NC
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 inquired on my credit that could have been avoid due to Equifax computer coding error my credit information has been compromised. I made several attempts by mailing letters to these companies and all three credit bureaus informing them that they were reporting inaccurate information on my credit report and to please remove the inquires. I have attached to send letters to Equifax, XXXX, and XXXX to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
In reviewing a recent summary of my checking account at Wells Fargo, I found that I had been charged a {$35.00} NSF fee for a purchase made with my debit card for an amount that exceeded available funds. I DID NOT opt into the service that would allow this, thus the NSF fee was illegally charged to my account. 
I contacted Wells Fargo customer service after I 'd reviewed the most recent 18 months of transactions and found several such unwarranted NSF fees, and while they stalled in their reply and would only communicate with me via telephone, they finally and without resistance, refunded the fees. I then reviewed the entire history of the checking account going back to 2009, and found approximately XXXX such violations. These violations appear to be systematic and systemic, and there is certainly no way they were accidents. While I did receive a refund for all the charges, I am contacting you to report the illegal behavior. I believe it is likely intentional, institutional and ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my loan with Ally Financial on my XXXX XXXX. I had an extended warranty on this vehicle. The warranty company sent a check to Ally Financial in XXXX and again in XXXX. The check is for {$5800.00}. This is an overpayment!! I have yet to receive my check. I have called Ally several times and each time they are telling me that it takes 1-2 days for the check to approved. They are holding my money and have been for months.

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 2018-10-02
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I was sent a letter from FBCS , Inc stating I had an outstanding balance of {$240.00} to XXXX XXXX XXXX XXXX and FBCS , Inc was requesting payment from me. 

I replied to them with my own letter disputing this charge on XX/XX/2018 because I've never had any account with XXXX XXXX XXXX XXXX, ever. I don't have a XXXX cable box. I've never signed up for their service. The debt is not mine. 

Then today ( XX/XX/2018 ) I received another letter stating I needed to provide additional information detailing my dispute and send documentation supporting my dispute. I've never had an account with this company! How can I provide documentation? What paper work do they want me to provide? 

These guys use language in their letter to try and intimidate and scare people into paying them. This is super unprofessional and insane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 been working tirelessly to fix my credit. There have been several collection accounts that were not and are not mine and I have found misinformation as much as accounts on my report that are different socials but my same name reporting inaccuracies. TransUnion has deleted 3 major COLLECTION accounts from my. Report that werent mine and Im grateful But they are DROPPING my credit score rather than rising it WTH? I had a collection drop off they gave me one point, today XX/XX/2020 I got alert 2 bad collections were removed and the DROPPED my score from XXXX to XXXX something is wrong and I want explanation and fixed!

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 2020-09-14
Company: TRANSUNION INTERMEDIATE 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 located some negative accounts reported on my credit report, and decided to request an investigation process pursuant to section XXXX of the FCRA. After I sent my first set of disputes dated XX/XX/2020, I received a 1 document only from XXXX stating that, the letters were ineligibles, so on XX/XX/2020 I re-submitted all of the initial letters, and it is now XX/XX/XXXX, and I have yet to receive anything from either 1 of  the Credit Bureaus. Please note that I am in the process of buying a home, and the investigation, and response of these are extremely important. At this point, the credit reporting agencies are in violation of section 611, and 623 of the FCRA.

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 2020-09-14
Company: FlexShopper, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received numerous phone calls from telephone number : XXXX XXXX XXXX to my Father 's personal and private cell phone number which is XXXX from a person named " XXXX '' who would not disclose the company he was representing, I later found out he was a third party delivery person working with a Debt Collection Agency but he failed to explain to my father and to myself the nature of his call. he would aggressively argue with me that he WORKED FOR HIMSELF, he called me slow on multiple occasions, threatened me, and made me feel unsafe.The only bit of information I was able to obtain from him was the phone number of the debt collection agency which is XXXX The man named XXXX at the Agency was Kind, Helpful, Emphatic and Understanding and quickly resolved this matter with me in a way that made me feel safe and understood.

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 2021-02-18
Company: Navient Solutions, LLC.
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:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Navient. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Number is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation