BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XXXX XXXX deposits were made buy the ODJFS un employment of Ohio un the amount of {$4800.00} and {$900.00}, I was made aware of this by correspondence. I called the relia card number with the correct card number and it indeed said that there was two deposits made to the card. I go to the us bank to make sure and the balance said XXXX, I call several times and the deposit amount did not change the balance still said XXXX I contact a tier2 relia card rep and was told I had no other cards out there that this would have posted to and she had no record of this deposits even after I told her the transactions number abd that I had contacted a rep at unemployment. I called 6 times on XXXX XXXX. Everyone of of the reps had a different answer. I called the entire week and on XXXX a relia tier 2 rep tells me that the money was on an inactive card. I said how could this be that it was inactive? Plus it was on the active card 3 days ago that someone had to transfer it from their system. So she said the only say i would receive this money is if a new card would be sent. This is after a prior supervisor told me she would transfer the funds and that did not happen. So once i got the tracking number i look on XXXX which I was told i would have the card in 2 business days it was send to another address by that tracking number. The ups driver validated identity. So the same tracking number was given go 10 people. The tracking number did not match what was logged onto the relia card system. i called XXXX at XXXX am spoke to a supervisor. He promised me that i would have my card today XXXX, I received the tracking. number and the same has taken place. Card are being mailed out to residence with other peoples tracking number. My address and name was correct package at XXXX not the tracking number. I could not use that card as the supervisor made it inactive when he ordered another card. THERE IS FRAUD GOING ON WITH THIS COMPANY. I STILL DONT HAVE MY CARD OR THE FUNDS I WAS AWARDED.

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 2021-01-28
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: Personal information incorrect

Complaint:
After reviewing a copy of my credit report i noticed fraudulent inquiries on my credit file and also an address i have never lived at or been associated with is listed on there. Please remove this fraudulent information from my file.

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 2017-09-25
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
ocwen is attempting to foreclosure on my home with an assignment that clearly fraudulent. the assignment was created showing ocwen as the lender. the company that i originated the loan with is out of business and XXXX conveyed. i dispute the validity of this debt with ocwen. i sent a qwr and they have not responded to. the assignment to gmac is also fraudulent. XXXX XXXX, Va XXXX are well known robo signers both are the assignments filed in XXXX CO are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: WELLS FARGO & COMPANY
State: CO
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 paid my bill every month on time. Maybe a day or so late a few times but i just had my credit pulled and i see where they have shown me late every month since XX/XX/19. I did lose my job due to Corona and then i actually contracted Corona myself. When this happened i called the company in question to get relief and close the account. they said that if i paid XXXX initially and made the minimum payments due then I wouldn't have to worry about late pays on my report so i paid them the XXXX initially and then i continued to get enough money to make the minimum payments on a closed account but the late pays continued to be put on my report. I have tried to get them removed because this is not what i was told on the phone and i made the payments. The account was also closed. Please help me. Its effecting my ability to get a home loan.

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 2018-02-07
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2020-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In summary, I filed a dispute for {$300.00} of a {$750.00} transaction that I thought was used on this card. However, when Bank of America set me the evidence of the charge, it is immediately obvious that this is fraud. After receiving the evidence provided, my claim is for the full {$750.00}, which was supposed to be only {$7.00}. 
I called the XXXX XXXX and was told to fax in my statement, which I did on XX/XX/2020. The delay was due to the Postal Service not handling the letter properly resulting in it's delivery on XX/XX/2020. The postmark on the envelope was XX/XX/2020 for a letter generated on XX/XX/2020. 
Despite statements by Bank of America, the letter was never uploaded to my claim center, which would have allowed me to respond quicker ; but they never uploaded the letter from XX/XX/2020. Bank of America sat on the claim for 2 weeks before forwarding to the merchant and never contacted me, instead relying on the Postal Service in a time that the country is going through a pandemic of epic proportions. 
In 4 subsequent calls, I have been advised that I basically was out of time due to Federal Regulations ; however Federal Regulations I was referred to showed that the process must be completed by or before 90 days, which would have been XX/XX/2020. They denied my review on XX/XX/2020. 
This is clear fraud and Bank of America is choosing to be a part of perpetuating the fraud and not protect my resources. 
I have demanded to speak to a person they refer to as " they '' to discuss, as the people answering the phone are merely data entry clerks. I have been denied the opportunity to speak to " they. '' The merchant has failed to prove it was me that signed that receipt and does not provide the evidence sufficient to correlate their defense in the letter. I have contacted the merchant again since XX/XX/2020, they referred me back to Bank of America also indicating that Bank of America should have never sent me their response and just denied the claim. Bank of America 's refusal to adequately review the claim, my letter and support a customer shows their willingness to participate in this 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 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
this is not my debt, not sure if someone used my name but I've been disputing this account and they are not removing. inaccurate information XXXX XXXXXXXX XXXX Open Date : XX/XX/2018

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 2021-01-28
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: Information belongs to someone else

Complaint:
On XX/XX/2020, after pulling my credit report, I discovered multiple accounts on it that I did not recognize. Few days went by and I went file Police Report on the XXXX of XXXX, 2020. With the Police Report in my hands, On XX/XX/2020, I submitted my first dispute package to the CREDIT BUREAUS, with a list of all the accounts that were not mine. As of today 's date, I still have a few accounts that I need out of my credit report so I decided to take an extra step, contacting the CFPB for some help. Below is a list of accounts names remaining on my credit report that are not mine and they are badly affecting my credit score : XXXX and two accounts with XXXX  XXXX XXXX  XXXX XXXX Unfortunately, I am not able to upload my last complete package that I mailed out to the credit Bureaus, but attached are the most I was able to upload.

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 2018-02-07
Company: Account Control Technology, Inc.
State: NC
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:
Account sold. Nomaccounting information being provised on this account after repeated inquiries. Master promissary notes are not original contracts. Accounts have multiple servicers and can not obtain accurate information on none of these accounts. All i get is threats of wage garnishments. The amount on the account is grossly well above the cost to attend the institution. Amount on credit reporting agency is XXXX but letters sent to me is XXXX. School doesnt cost nowhere near that to attend. Accounting information needed to verify this account. Amounts on promissary notes sent to me are thousands of dollars less than being reported and letter sent to my address of garnishment. There is over 23000 difference.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal - negative {$4100.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$4100.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4100.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Diversified Consultants, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX added a collection in XX/XX/2019. I contacted them directly in XXXX of this year and again in XXXX of this year. The representative I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted XXXX again and the representative said the only way to appropriately file the fraud case was to contact the collection company directly. I called the number to Diversified Consultants provided by the representative and the representative for the collection agency said that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had XXXX service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
While none of the other bureaus are reporting this information, TransUnion is reporting inaccurate information with regard to the Tax liens, which remain in my credit report. In accordance to the National Consumer Assistance Plan, inaccurate or incorrect tax lien information should not be reported.

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 2020-02-18
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not my account.

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 2020-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
This is fraud I never set this account up. Once I reached out to the company they were texting with a settlement offer which isn't the right way to get any information. I have never done business with this company and now they are reporting very inaccurate information. With no clear method of verification. No signature loan documents or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This account is already TRANSFERRED/SOLD however this account still reports repetitive late payments which is severely affecting my scores.

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 2018-02-07
Company: LendingPoint Holdings LLC
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
OmXX/XX/XXXX, I was online getting coupins, and several popups were being advertised in order to get the coupons. I anserred several questions, and closed the coupon app realizing it may lead to spam. XX/XX/, I received a deniel letter for an application I never applied for, so I sent an email to the XXXX, and explained the situation, and now I am receiving harrassing calls. I requested an investigation, and the removal of credit inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Experian Information Solutions Inc.
State: NV
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:
All of these accounts are showing late and it's in no fault of my own. Please reverse these late charges on all of these accounts. I have great credit. Also due to CARES ACT, in no way should any of my accounts show any negative remarks. Please reverse them as none of these creditors care. 

100 Claims account deferred, 105 Disputes Dates of Last Payment/Opened/ of First Delinquency/Billing. 

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 explanation
Consumer complaint received 2021-01-22
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I used MoneyGram to transfer funds to my cousin 's son as a wedding gift. On XX/XX/2020 I sent {$1300.00} to my cousin 's bank account through MoneyGram. I can provide bank info if needed. I went to the MoneyGram kiosk at the XXXX in XXXX XXXX, California. They told me the transfer would go through the next day. To date, the recipient has not received the funds. He has been checking on a weekly basis. I have also called MoneyGram customer service 8-10 times since XX/XX/XXXX. My last communication was XX/XX/XXXX. When I call MoneyGram, they tell me that they have received confirmation that the bank received the funds but will provide no further details so that my cousin can go to the bank and say it has been confirmed by your employee so and so. The reps tell me they will have to file an inquiry and nothing is ever done. These funds were sent XX/XX/2020 and I still have no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these items. I need this removed asap.

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 2019-11-13
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: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
My Credit Score from XXXX submitted to a mortgage company is at 'XXXX  ' ( TransUnion ) which was based on XX/XX/2019. It was reported that I have -'serious delinquency ' -'too many delinquent accounts ' -delinquent account appears too recent ' These are not true and I refute all of these. We pay off our credit cards in full every month. 

Thanks, 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