BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
Company: Midwest Recovery Systems
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Midwest Recovery Systems is fraudulently attempting to collect a debt in the amount of {$730.00} it purchased from XXXX XXXX, XXXX in XXXX. On several occasions, Midwest Recovery Systems has illegally placed this account ( ending in XXXX ) on my credit reports by using fraudulent, illegal and unfair debt collection practices such as negative re-aging of debt, breaking the statute of limitations in the State of Michigan, communicating false credit information and failing to disclose that I have disputed this debt on several occasions. 

XXXX XXXX, XXXX is not a licensed lender in the state of Michigan, according to the Michigan Department of Insurance and Financial Services. 

Between XXXX-XXXX, my attorney successfully worked with the three credit bureaus ( XXXX, XXXX, and XXXX  ) to get the Midwest Recovery Systems/XXXX XXXX account removed from my credit reports. 

Years later, in XX/XX/XXXX, Midwest Recovery Systems fraudulently placed this account on my credit reports again causing me further harm by damaging my credit during the COVID-19 pandemic, one of the most devastating times for Americans in the history of our country. 

Once again, I have filed disputes with the credit bureaus to have this account removed from my credit reports in an attempt to reverse the damage caused by Midwest Recovery Systems. Additionally, I will be seeking legal counsel and filing complaints with the XXXX  and FTC if this account is not removed from my credit reports promptly. 

I would like to settle this matter without litigation. However, if Midwest Recovery Systems continues to cause me and my family harm with their fraudulent, illegal, and unfair practices, I fully intend to invoke my rights as an American citizen and leverage the judicial system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Regarding Disputed Credit item XXXX XXXXXXXX XXXX Date Opened XX/XX/2021. 

Dear TransUnion LLC,. 
I do not recognize or acknowledge the following items listed on my credit file : XXXX XXXXXXXX XXXX LOAN TYPE CREDIT CARD I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding this item listed on my credit file : XXXX XXXXXXXX XXXX  Date Opened XX/XX/2021. 
As per Section 609 FCRA, I am entitled to see the source of the information, the original contract containing my ink Signature. 
If you can not verify this account with the original contract, I will expect a response of receipt of this letter to see the item in question DELETED OR REMOVED from my credit file. 
Sincerely,

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 2020-10-19
Company: EQUIFAX, INC.
State: FL
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 would like to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report and discovered an inquiries that I have no knowledge of. 
Because I did not apply for credits, I have also reached out asking that they remove the inquiry from my credit profile. 

Please start an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Carter-Young, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received no notification of debt from the collection agency. I received no phone calls from collection agency. I received no email from the collection agency. I received no statement, phone call or email from the original creditor with regard to sending to a collection agency for collection. Further, my credit monitoring services showed no unpaid or outstanding amounts owed to anyone in the past year. 

In short, until the collection agency notified the credit bureaus of a collection, there was no prior communication or prior indication of a debt owed. How can you be responsible for not responding to a debt owed when no debt has been filed or claimed, nor notification by letter, email or phone has been received?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: OK
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I dispute the XXXX XXXX XXXX payment history. I am requesting that Transunion deleted this account. There no payment history with this company.

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 2017-12-15
Company: BB&T CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchased my mortgage in XXXX XXXX. I XXXX my husband applied to get a mortgage in his name. The same property and the same d the mortgage company, BB & T. Everything was going good until a few days before closing and the mortgage company called sayig that they could not do the loan because our home was not attached to the piece of property. I called and the loan officer did not think that the company already carried the mortgage. I gave him my account number and he quickly got off of the phone. Later that week I received an email asking if I could provide the vin number because the bank could not pull the correct title. I did not give the vin number. I went to the Dept of Motor Vehicles and found out that my home had never been titled in my state of SC. I proved the squatter law and had a title issued in my name to me. The mortgage company put us in default for not attaching the home to the land. We recieved the first XXXX XXXX in XXXX XXXX and then we didnt recieve anything until XXXX XXXX for a final decision hearing. We went and proved the bank wrong but no one would listen to us. The Special referee ruled in favor of the bank and we went to forclosure auction on XXXX XXXX, XXXX. I was the highest bidder but now I have to pay my bid to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: DISCOVER BANK
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2021 someone applied for a student loan under my name. I called Discover Financial immediately and they cancelled the application and I was told they would contact the credit bureaus. I spoke with XXXX and they removed it. XXXX  and XXXX are requesting I complete this form before they remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: EQUIFAX, 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:
Credit Bureau has failed to respond in a timely manner to my dispute letter. I have sent letters 3 times. No result. 

1. The wrong amount is being reported XXXX Account XXXX : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Contacted Trans Union information is incorrect on a debt collection which is and has been placed under chapter XXXX Ref. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
This debt was included as a charge off and listed in chapter XXXX XXXX with XXXX XXXX out XXXX XXXX XXXX XXXX WI. 
Note : The State of Wisconsin Reached out to this Debt collection service, the business is no longer in service. Please remove the incorrect data. 

Request an investigation into why this information is not being corrected.

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 2023-02-16
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime closed my checking account on XX/XX/2023 with no warning and no explanation. They sent an email directing me to their deposit agreement terms for me to " look up '' a possible reason for the account closure but there was nothing I did to violate their deposit agreement. The day they closed my account was the same day I received my deposit from my employer, the UNITED STATES POSTAL SERVICE. Despite my attempts to get an answer, chime has refused to explain why my account was closed and its caused me to have NO ACCESS to my entire paycheck!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: BBVA FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I opened a 1 year CD with BBVA and received my notice that my account was expiring. The notice gave me two options : 1 ) Do nothing and the account would auto renew. 2 ) check the box and have the account renew. There was no option to receive my money. I called the bank and they said I had to send a letter. I followed their directions exactly and never received my money. The account rolled over to a new CD. I checked on line and this bank receives very bad ratings for this exact issue. I have never experienced such a runaround with any bank I have dealt with. I left my money in the account for 1 year as we agreed. I should be able to get my money as I requested via phone and via the letter I sent via US mail. The amount of my initial deposit was {$26000.00}. My account value is now {$26000.00}. My CD expired on XX/XX/2020. I called and sent the letter approximately 3 weeks before expiration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is my second complaint against Bank of America, after receiving another unexpected interest charge posted on my account this billing cycle. My last unexpected interest fee charged was just last billing cycle. 

This time, I was actually carrying a negative balance, hence there was no accounting justification for it whatsoever. 

I called customer service on XX/XX/XXXX at XXXX and spoke with XXXX, who said that this was due to a system error, and that they will 'waive ' the fee ( indicating that the fee in itself is justified. I do not recollect any apology offered. 

I was only able to pick it due to increased vigilance after receiving interest charged just last billing cycle. This proves that they are unjustifiably posting interests which consumers are left to pay if they do not pay attention.

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 monetary relief
Consumer complaint received 2023-01-29
Company: CITIBANK, N.A.
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:
Information is not correct and is being reported wrongly.

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 2023-06-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had noticed several suspicious transactions on my account, Wells Fargo had caught them and didn't let them go through. on XXXX and XXXX I received 2 notifications of XXXX transfers on my account for {$3500.00} and {$7500.00} and I denied the requests sent through text from Wells Fargo. After this had happened, I called and reported the fraudulent activity to Wells Fargo. Instead of changing my account number and login information, they just put in for a new debit card request. Within a few minutes I received a phone call from Wells Fargo Fraud claims. This person had to have been a Wells Fargo employee either current or ex employee. The Phone number they had called me from was the verified Wells Fargo phone number and they literally asked for all the same things Wells Fargo asks for on every phone call. I honestly feel as if this was an inside job from Wells Fargo. At this time my account should have been locked in order to prevent fraudulent activity but it was not, due to neglect from the employee I reported the fraud to. Instead the person I was on the phone with cleaned out my account with 2 wire transfers, one for {$6500.00} and the other for {$7500.00} totaling {$14000.00}. which was basically all of my money in my checking account. they left me {$35.00} in my account. After checking and seeing my account was cleared out, I immediately contacted Wells Fargo and they setup a new account number and login information which should have been done on the first call I made to report the fraud before it was committed. I just received a letter from Wells Fargo stating that they are not liable and I'm now out {$14000.00} I called to dispute and I got absolutely nowhere with them.

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 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 contacted Transunion Credit Report and requested them to remove these collection. that is inaccurate information on my credit rreport listed per FCRA Section 609. and they still have not removed them I have requested these collections to be removed multiple time.. creditors do not list contact number or address. 
Collections listed : XXXX for amount of {$160.00} XXXX amount of {$940.00} XXXX XXXX XXXX in the amount off {$770.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I agreed to forfeit my Wells Fargo XXXX XXXX 'exit draw ' of XXXX. 
At this point I was about 3 months behind on my mortgage. 

After two failed attempts at requesting a Loan Modification directly through WellsFargo I proceeded ( XX/XX/XXXX ) to use XXXX to submit a request for Loan Modification. 

On XX/XX/XXXX, WellsFargo applied my XXXX exit draw check directly to Principal Balance. Yet my past due ( now at 7 months ) kept my home in Foreclosure status. 

On XX/XX/XXXX, Wells Fargo accessed XXXX in additional Attorney fees to my Mortgage. That is 1 week after accepting my XXXX. 

I am unable to get a Justified Recast, for Wells Fargo states I have a past due. Without acknowledging the recent payment of XXXX ( applied to principle only ). 

Wells Fargo is denying a Recast/Loan Modification of my Primary Residence.

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 2018-12-13
Company: Experian Information Solutions Inc.
State: WA
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'm filing this complaint for you to reverse the late payments reporting on XXXX  XXXX XXXX  XXXX the account is also reported duplicate. The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due

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 2020-11-30
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
This company is reporting negative items on my credit report that are either inaccurate or not even mine! I contacted them for a solution over 60 days ago and I still havent gotten a response. I have attached my letters and my identity documents for confirmation.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/ I received a copy of my consumer report ; to ensure all information is reporting accurately. According to the FCRA the information furnished and reporting is out dated information; please remove and delete these accounts. 
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 2018-03-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, I would like to complain about PayPal Holdings , Inc. for a ) incorrectly conducting financial transactions resulting in charges to a wrong account, and b ) refusing to fix the issue after I reported it to the company. 

Specifically, I bought some services from a third party and used PayPal transaction system to pay for those services. I specifically selected my credit card ( a regular credit card issues by a major U.S. based bank ) as my payment sources. However, later I discovered that instead of charging my credit card PayPal used a different account to pay for those services. Specifically, the company used my PayPal balance. 

After I called the company on XX/XX/2018 at XXXX PST and talked to two support reps, XXXX and XXXX , and their supervisor XXXX , I was told that there is nothing PayPal can do to fix the incorrectly conducted transaction. 

I believe that any financial organization after being notified by a client about an incorrectly conducted financial transaction should remedy any mistakes made by cancelling incorrect transactions and conducting a new and correct transactions. Unfortunately, this is not the case with PayPal. 

I would appreciate if you can investigate this manner as PayPal is forcing consumers to use PayPal balance instead of external payment sources and doesn't notify about this before conducting transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
Hi, this is in regards to my auto loan application that was denied on XX/XX/XXXX because the credit score was XXXX, and there were too many inquiries. However, when I look at my transunion credit score, it says it is XXXX. This score is based off XX/XX/XXXX. I have been monitoring my credit score and it ranged from 620-655. For the last 12 months, there has been only 4 inquiries. It does not exceed the maximum of 6 stipulated by the law. 
Currently, I have paid off all of my credit card debts except for two with a total of {$800.00} ( XXXX XXXX and XXXX XXXX XXXX XXXX The credit report and score they have is not up to date. I would be very grateful if you could review my application again based of the most recent credit score and the fact that i have made just four inquiries in the last 12 months not " too many as stated in the letter ''. I believe it is inaccurate. I would appreciate if they can correct this and send the information back to the bank to reconsider my application. Thank you.

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