BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
So I was scammed through someone posing to be my landlord. I had contacted them through a posting online in the beginning of XXXX. Then they later claimed they wanted the money through the post office money order. I met up with someone they claimed was a realtor who took my money and id. I was told I could pick up the keys then and I told to get new locks on the XXXX. I was there on the move in day. I found out that the building was owned by someone else. Also that someone else had moved in a week ago. I went to the police to file a report. They told me to check with the three major credit beaureus if there was any credit cards under my name or to inform them. They could only direct me to the FTC, and had me file a case for their detective. Then I went to the Post office but they made me pay a fee to investigate who the check went to. Also they said it would take two weeks to even get my money back. I have to move out soon so this makes it harder as I have to wait and see if theyll even be able to help or give me a not even full but they said a percentage of a refund. On top of this theres a whole secondary process for them to investigate it this further. Then I had to file a case at my bank Wells Fargo but they said because the money order wasnt with them I couldnt get my money back even though theyre the only one I bank with. Its honestly really sad and frustrating the way that the individual must make these leaps and we still have to pay to get our money back even though identity theft and scammers are so commonplace these days. Alongside this I was hoping to get a new numbers for my id, ssid, etc. Attached is the email of the scammer, proof the money was taken, also the contact name they pretended to be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
The bank is not sending information over to my  XXXX  app for me to use it properly. Please update my current information with  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 2022-08-30
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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that Iwant to dispute specific records in my credit file that do not belong to me, or that I have signed anyagreement. The items I'm challenging have nothing to do with any transactions I've done or authorizedto gain products, services, or money. Please remove the following items : XXXX XXXX : {$7100.00} ; XXXX  XXXX Balance : {$14000.00} ; XXXX  XXXX Balance : {$990.00} ; XXXX ; XXXX ; XXXX XXXX  XXXX ; XXXX on 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 2021-11-22
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have no legal liabilities to the collection company. The amount indicated in the report was already paid to the original creditor. The continuous reporting of this erroneous information on my credit report has been hurting my credit score massively and this is no longer acceptable. Documents and anything of its like should be presented for me to review the accuracy of your investigation. Failure to provide my request should result to the deletion of this account abruptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a certified letter asking to validate debt by providing the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-17
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX  I sent {$100.00} to my brother via  Western Union. Af ter receiving my copy of the paperwork I forwarded my brother the reference number and continued driving as I am a  XXXX   XXXX   XXXX    XXXX   XXXX  . The next day my brother contacted me seeking more digits of the reference number as  ten  digits are required. I reviewed my document and seen the printer somehow messed up and did n't print enough digits. I contacted western union on  XXXX  regarding this matter and have continuously been told to call back  24-48 hr s. Today after going thru a lengthy process to get a live person and explaining my issue I was placed on hold and the afte r 3 mi nutes I was hung up on. This is probably th e 6th  time I 've been hung up on. When I provide the case ref # I continue to be told to call back in  24-48 hrs. I jus t called  Western Union a s I am typing this and AGAIN was told '' I will escalate this matter and please call back in 24-48 hrs ''. My most current case ref # is  XXXX , the previous ones are  XXXX ,  XXXX ,  XXXX ,  XXXX  all which nobody seemed to have any data on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-07-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
i've all ways paid my account on time i spoke with someone at the bank in regards to this matter he said billing errors they fall off eventually and that it wouldn't affect my score, But it did. ones I checked my credit its effected my on time payment, its now 98 %

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or that I havesigned any agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; 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 XXXX XXXX XXXX ; VETERANS XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2022-08-30
Company: Source Receivables Management LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is coming after me repeatedly SOURCE RECEIVABLES MNGMN for XXXX for something I do not owe or have knowledge of this account on my correct just affected me moving as well. I disputed this account twice and was told this is accurate which in fact it is not!!!!! The amount is {$860.00}. I do not have XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Experian Information Solutions Inc.
State: LA
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:
REVIEW DOCUMENTS ATTACHED : XXXX  denied deferment from 2018 on the grounds that income exceeded the poverty-line guidelines. Income was clearly within the 150 % threshold and the deferment should have been granted. Due to the denial of the deferment XXXX reported negative history to Credit Bureaus. The deferment should have been granted due to income falling within the 150 % poverty-line guidelines ( See income paystub attached ). 

Also attached are the deferment documents that were submitted to XXXX to process a deferment. 

DELETE XXXX  ACCOUNTS FROM ALL 3 CREDIT BUREAU REPORTS AS THE REPORTING SHOULD HAVE BEEN POSITIVE AND THE ACCOUNTS SHOULD HAVE BEEN IN A DEFERRED STATUS.

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 2017-06-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX   XXXX ,    2017  CFPB :  JPMChase Fore closure Prosecutors for my ARM Loan  XXXX  threa tened to damage my Credit Score, while refusing to divulge my Credit Score to me, in Violation of the  Fair Credit Reporting Act ( FCRA ).   I want JPMChase to provide me, at no additional charge to me,  my Credit Score from every USA organization that provides Credit Scores o n me.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing today because my identity was stolen and used not once but twice. I received notice from a company called RECEIVABLES PERFORMANCE claiming I owe {$700.00} XXXX. I immediately reached out to RECEIVABLES PERFORMANCE in XXXX and XX/XX/2022 and explained that I did not open an account with them or their affiliates and that there was some mistake. XXXX XXXX requested I send a fraud dispute letter in writing and a XXXX would contact me regarding the unauthorized accounts. As of today RECEIVABLES PERFORMANCE has not responded to my fraud request or given me any helpful information to help me. This companies have ignored me and my rights and reported this account to the credit bureaus. I have reached Out to the credit bureaus and they are holding an investigation. I have also filed a police report with my local authorities regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I modified my preexisting ACH automatic enrollment on XX/XX/20 to increase my principle payment. When modifying, the disclosures stated it would take affect XX/XX/20 as it was within in 3 days of my scheduled payment. 

I received a message in my online account message box that the information was set up and would begin XX/XX/20. 

I received a letter in the mail stating it was set up for XX/XX/20. 

When I click on my payments online, it shows an effective date of XX/XX/20. 

What actually occurred, it didn't set up the XXXX payment, canceled my already scheduled with ABSOLUTELY no notification or disclosure. When signing up for the modification, nothing states it would cancel an already set up payment and that I must not go in and do another payment. 

We did this same process on XX/XX/20 with no issue. When I contacted both the chat and the XXXX #, I was told 15 days for set-up ( different from the 3 days stated on the website ).

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 2017-06-17
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My refinance was closed on  XXXX   XXXX ,    2017 and CitiMortgage got the ir money back that day. It is now  XXXX   XXXX ,  2017  and I still have not received my escrow impound balance, yet I have received th e Lien of Release. Sure, CitiMortgage wastes n o time to release themselves, but drag their feet in giving back my money! Banks always take their own sweet time in giving out money so as to keep as much money as possible in their own accounts to further their own interests. This is unacceptable! If they can get this  Lien of Release to me, they should also have attached my mone y to the same letter! Furthermore, the telephone number they provided,  XXXX , is some sort of scam as I called as got nothing but recordings to press  XXXX  to get deals on  XXXX ,  XXXX  and other non-CitiMortgage offers. What garbage is this?? I could n't get a hold of anyone to inquire where my refund check is!

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 2017-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hi my name is  XXXX   XXXX   XXXX  and I live at  XXXX   XXXX   XXXX   XXXX   XXXX  Del  XXXX  and I work at  XXXX  and my phone number is  XXXX . Everything else that is reporting on my credit reports are inaccurate/incorrect.

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 2018-11-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am always sent preapproved and preselected marketing information from Chase inviting me to apply for credit. When I respond to the solicitation, I always receive an unfavorable response with one excuse or another. I called the Chase Reconsideration Department on XX/XX/2018 at XXXX to discuss my application and the representative told me that people like me are a risk because I have opened too many credit cards in the past two years. I have explained to Chase that I am low risk as I am a current business banking customer and have an established credit profile with a credit score above 750. 

Chase is unscrupulous in their business dealings within the XXXX XXXX   community with a different set of standards on how to engage. Despite many years running a successful and profitable enterprise, Chase regularly discriminates against credit applicants such as me on the basis of race and color. The actions of Chase Bank are despicable but the reality of it is nothing is going to be done about it. Worse case scenario, Chase will admit no liability and pay a fine which is ultimately paid by the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There is a bankruptcy on my credit that I had initially started but I did n't finish going thru with it and it has shown on my credit for 3 years. I have disputed with all  XXXX  credit bureau with no change to my 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 2019-11-27
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
For the last three years, I have been trying to open up an account at PNC Bank but they have repeatedly refused and never told me why. They always tell me to call XXXX XXXX XXXX, which refuses to provide even a general reason for why I am unable to open accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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