BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: WESTERN UNION COMPANY, THE
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This incident has happened on XX/XX/XXXX. When I checked my XXXX account around XXXX XXXX, I see a bunch of emails from Western Union. Somebody was able to login to my account and change the profile and was able to transfer {$2300.00} dollars. This all happened between XXXX XXXX and XXXX XXXX  US CDT The hacker tried to do two transaction of {$2300.00} and one of them go through and other transaction went into review status. 

As soon as I discovered this around XX/XX/XXXX around XXXX XXXX, I called the Western Union and reported the fraudulent transactions. I also called my XXXX XXXX and gave a heads up on this fraudulent charge. After my office work time, I went to local police station and filed a police complaint. My police case number is XXXX and Western Union fraud case number is XXXX. 

There are many things that does not make sense. Western Union has been difficult to work with on this fraud. Each time I call to find the status, they give a standard reply of " we are working with local enforcement office on this case ''. The representative are difficult to  understand. The only thing that they were able to tell is that the location where money was picked up which is in XXXX XXXX which is a state in XXXX part of XXXX. The receiver that was used for this fraudulent transaction lives in XXXX XXXX which is central state of XXXX. How could someone be able to login from new device and new location without secondary authentication like XXXX. I have used Western Union in the past, but my transaction amount was newer above {$150.00}. How someone was able to make a 15 times higher transaction without some review or time lapse to occur? 
My bank XXXX XXXX was able to pull back the transaction from Western Union. Now, Western Union collections department has sent me an email asking to provide my credit card account information or bank routing number and checking account number asking to provide to pay for the fraudulent charges.

I have spent considerable time and energy on phone calls to Western Union, police station and XXXX XXXX and physically visiting the police stations twice. It is painful to be a victim of fraudulent transaction and also being asked for the money stolen from your account. 

I dont want anyone else to be in the same situation which I am going through. My research on internet has found that Western Union lax system has been target of hackers and numerous people have been victim of fraud on their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went XXXX Store XXXX Store located at XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, GA XXXX and phone number ( XXXX ) XXXX in XX/XX/2019 and applied for wireless phone for 5 phone numbers. I left XXXX store with no phones received and no account created. I began receiving XXXX bills for wireless service, although, I had no XXXX wireless or phone service. I called XXXX store locally and XXXX national headquarters numerous times, but to no avail. Now, they have collection account on my credit bureau. I need this remove and cease and desist collection order to XXXX and Sunrise Credit Services. I have contacted XXXX, XXXX, and my legal services. XXXX  suggested I contact CFPB. Thank you for the wonderful service you provide to American people as US Government public servants.

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 2020-06-30
Company: Experian Information Solutions 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX   Company Inquiries : 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 2022-11-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Credit XXXX and XXXX XXXX XXXX XXXX Credit XXXX XXXX XXXX ) and XXXX XXXX XXXX All of the proof of these accounts are provided in the attachments The following have violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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:
3rd notice, I file a complaint against Equifax, due to the fact they will not correct the information on file Last reported XX/XX/2020 {$110.00} Open balance XXXX XXXX XXXX  Original creditor XXXX  OpenedXX/XX/2020 ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksConsumer disputes this account information Collection account Original creditor nameXXXX XXXX XXXX This item showed that it has been paid, for several month the item set up before they took the payment- Our heath card paid it XXXX  Account XX/XX/2020 {$110.00} our HSA card paid this amount

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/2018, I had filed my initial XXXX complaint because, among other things, the Fedloan Service had incorrectly capitalized the interest on my account due to a processing error. After my complaint, I had received notice that on XX/XX/2018, a request was submitted to reverse the incorrect interest capitalizations. However, 15 months later, there has been NO progress on this. I have called approximately 5 times, each time a representative has confirmed that no progress has been made and that they will " make a note '' to reverse the incorrect capitalizations. I last spoke with a representative named XXXX ( ext XXXX ) though I believe there is no plan to actually correct the process error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Experian Information Solutions Inc.
State: IL
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 started writing this company on XX/XX/2019 asking this company to validate and show me some contractual obligation bearing my signature. This company has not showed me any proper validation since my first letter dated XX/XX/2019. I received a response from them on XXXX ( XX/XX/2019 they sent me a itemized bill stating that I owe them {$1100.00}. I never received any documentation bearing my signature or obligation to pay this debt. I informed them also that they are in violation of the HIPAA LAW. The furnishing of this account information to XXXX XXXX XXXX XXXX XXXX, is not in compliance with HIPAA, or WISCONSIN 's Privacy Act, and any subsequent reporting of this account on my credit reports to [ credit reporting bureaus ] is a clear violation of PUBLIC LAW 104-191 ( " HIPAA '' ) I am requesting you promptly rescind all such account information furnished to XXXX XXXX XXXX XXXX XXXX   and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports.

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 2020-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX I contact bank of America to request an updated card and transfer my monies. Also, I am having issues with previous deposits from XXXX. I do not have access to the online data I have attempted several times but still no response as of to date. 

I need my card shipped and monies transferred. Alos, I need my deposits from XXXX to be reconciled with EDD. It appears I am missing my deposits which should total XXXX instead it appears to be short 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 2021-04-16
Company: JPMORGAN CHASE & CO.
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:
XX/XX/XXXX - I disputed these accounts with the all 3 credit bureaus and the creditor XX/XX/XXXX - I disputed contacted all 3 credit bureaus and the creditor XX/XX/XXXX - I contacted the creditor to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: NC
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 have been trying to freeze my credit due to the Equifax breach and have been unable to do it online and over the phone. It 's frustrating that these companies have access to so much sensitive information, have placed so many at risk, and have made it so difficult for the public to actively protect their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
I paid off a Macy 's credit card in XXXX of 2014 and received a paid-in-full letter thereafter from Macy 's  attorney. It was a settlement that Macy 's agreed to and signed to in front of the judge when i fell on hard financial times. I have proof that I paid every red cent agreed to. Since then, 3 years later, Macy 's in conjunction with XXXX ( they merged ) have reported to all XXXX credit bureaus that I am late every month to this day. I am constantly disputing this fact with PROOF to the XXXX credit bureaus, Macy 's credit and XXXX, however I am told that internally, Macy 's and XXXX do not communicate with each other. When the credit bureaus try to question them, they claim I owe {$380.00} to this day. As a result, I have been denied credit, or charged on average, 4 % more interest rate to lease or purchase anything. I have written letters and made calls with escalations for 3 months now and Macy 's constantly denies THEIR OWN paid in full letter. I spoke to Macy 's attorney who claims, they must accept the proof I submitted to them. They do n't. Various people at XXXX as claim they had an internal problem with account numbers ; another told me the 2 company computers do not communicate ; yet another told me, this is happening frequently and yet another said, this amount of {$380.00} was supposed to be written off by Macy's/XXXX but was not ; an internal mistake that is costing me thousands and lots of heartache. Please help 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 monetary relief
Consumer complaint received 2017-12-21
Company: CAVALRY INVESTMENTS, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Back in XXXX, XXXX a judgement of {$6800.00} was added to my credit report by Cavalry SPV I , LLC. I had no idea that this case was going on. A year later the judgement was deleted from my credit report then in XXXX XXXX decided to start reporting the {$6800.00} and then added {$740.00}. I called the company and they gave me the run around about the account. I 'm in the process of trying to buy a home for my family due to my son needing special rails in the house. I 'm seeking to have this removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in response from complaint XXXX. The license was not my only complaint from this company. 

For complaint XXXX, I stated that I never received validation for the amounts they say I owe. In this complaint, CMRE stated I never requested validation, but I did so in writing several times. All I received was a bill showing charges they say I owe, but that is not validation. Validation is receiving a document that bears my signature that attests that I signed off or am responsible for those bills, anyone can send a bill. CMRE claims they received this bill from XXXX XXXX XXXX XXXX, but still has yet to produce validation with my signature. According to the Fair Credit Reporting Act, I am entitled to validation ... if not, the party must delete all collections and negative marks ( there are 3 ) from all reporting agencies. Is there a reason that I have yet to receive validation? Not an itemized printout showing charges ... that is not validation. If you do not provide validation, legally you must delete these collections or I will get my attorneys involved as that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Chrystler Capital is attempting to collect a debt not owed by me. I have never signed or applied for a loan with them. This is affecting my credit rating, and is defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: MRS BPO, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company place debt on my credit report in the amount of XXXX and I have NEVER received contact from this company and have no idea who they are. Company has not responded to requests for validation. Credit report does not state what alleged debt is for, there was no validation received, and no notification was sent in the form of a letter from agency hindering my right to dispute debt before it was placed on my report. there was no initial contact made by company before debt was placed on my credit report. The alleged debt ( not verified by company ) was placed on my report and could potentially hinder future job promotion, placement, and/or housing for myself and children.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
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: Information belongs to someone else

Complaint:
I have been receiving notices of dark web activity from my Experian Credit Monitoring Application since XXXX of XXXX, notifying me of Personal Identifiable Information being circulated. I initially didn't act as I was refinancing my home and didn't notice the fraudulent entries. Shortly after, I saw a significant drop in my credit score and multiple entries ( inquiries ) on my report. My wife and I hired XXXX XXXX to repair and prepare our accounts for the refinance ; they removed some entries, leaving others to carry-over ; Experian refused to remove any inquiries. Around XXXX of XXXX, I started receiving new Dark Web activity notices and further data breaches that directly affected my wife and me. I started seeing new inquiries and disputed all of these inquiries online immediately. This run resulted in all three bureaus refusing to remove any inquiries. I then noticed two " new bank account opened '' alerts for XXXX XXXX  and XXXX XXXX XXXX, I didn't open any new bank accounts, so I call XXXX XXXX  and XXXX XXXX XXXX to confirm. The banks confirmed that new accounts were opened in my name but provided no additional information. I called the Police non-emergency number for assistance, and an officer was dispatched to my home. He tried to gather more intel regarding identity theft, but the banks refused to provide additional information. After receiving no data from the banks and no help from the credit bureaus, I filed a report with the United States Postal Inspection Service, locked our XXXX  Reports, placed fraud alerts on all three bureaus, placed a freeze on XXXX, XXXX, and XXXX, and filed a report with the FDIC. Once we completed the preceding tasks, my wife and I drove down to the Police Station and filed a formal Police Report to document the 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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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}, {$0.00}, {$5400.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -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 2017-09-14
Company: Experian Information Solutions 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 have been trying to contact XXXX and the companies involved about these inquiries on my credit report but im not getting anywhere.When someone open an account in my name it was XXXX, XXXX or Experian job to see the red flags. I have XXXX inquires with XXXX and I 've called over and over to have them remove but lately because of their breach. I cant seem to get anyone on the line. Anyways I 'm writing again to let someone know that the following inquiries were not made by me ... 

XXXX XXXX from XXXX XXXX, XXXX XXXX Bank XXXX from XXXX XXXX, XXXX XXXX Bank XXXX from XXXX XXXX, XXXX CredcoInquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Bank XXXX from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Bank/limited Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Mrcus Inquiry from 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