BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, Current Bank decided to freeze my account due to a {$1200.00} deposit from my XXXX  bank account to my Current account. They informed me that a security team would review my account, and then I would be able to resume using the account. I've emailed them over five times asking for them to finish the review, and to look at my account. I only received a response twice, and they still have not completed their " security review. '' They have not contacted me, asked for any information, and do not respond to my emails. I have no way of contacting them since their phone line is down, and I can't use the chat in the app to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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 for two days to get in touch with Equifax to temporarily unfreeze my report. When I called they said they were having issues with the accounts/website and to call back later. I have been on hold for 2 hrs trying to call them back because I can not access my information by phone nor by the Equifax website to remove the freeze. 
I have a mortgage loan application pending and need this to be done ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
When I attempted to receive the free annual credit report of all three agencies, I was not able to get it from Experian. The page said I was required to download a report and send it in with a photocopy of my ID. I don't feel happy conveying that data by mail or by fax.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: EQUIFAX, 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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS THUS REFER TO ATTACHED IDENTITY THEFT POLICE REPORT. 
I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. PLEASE DELETE THE BELOW ACCOUNTS AND REFER TO THE IDENTITY THEFT POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Friday XX/XX/XXXX, I tried to XXXX a family member {$1000.00}. However, the XXXX did not successfully complete as it usually does. Simultaneously, I received a text that said it was from Citibank, and to click the link embedded in the SMS message. 

On Monday XX/XX/XXXX in the morning at approximately XXXX, I woke up to grab my cellular device to make a call out to my family member. However, the call kept failing. I thought it was due to poor connection in my house, as my neighborhood experienced a power outage the night prior that occurred due to bad weather at XXXX, and XXXX XXXX XXXX  still had not been able to get power back on by the morning I woke up. That was when I drove to XXXX  to inquire why my phone still had no connection, and learned my phone sim had actually been deactivated all morning ( not by myself ) thus I was issued a new one. Once I got home in the afternoon, I was able to obtain access to my phone again and immediately logged onto my Citibank mobile banking app. That was when I saw that my checking account was overdrawn over - {$700.00} at that time, and my savings account had been completely wiped out. There were two unauthorized fraudulent wires. One for the amount of {$19000.00} to an account in XXXX XXXX. The second unauthorized wire was for {$40000.00} to another account for XXXX  XXXX XXXX. Both were unauthorized by myself, yet occurred that Monday morning around XXXX XXXX E.T. while my phone had been " deactivated. '' The same day ( Monday XX/XX/XXXX ) I called my bank 's specialist from the Citibank Fraud department, who issued a hold/block on my banking accounts to prevent any further fraudulent activity. I also drove to the police station which was closed, so the police were contacted and arrived to my house, taking photographs of the evidence/proof of the fraud activity provided through my phone. A detective contacted me the following day ( Tuesday XX/XX/XXXX ) to let me know my local Police Department and detective were assigned to my case. On Tuesday, I went to my local Citibank branch to complete an affidavit which was notarized for the unauthorized wire transfer and fraud that occurred, as well as the identity theft of the criminals who impersonated myself when they made an outbound call on Monday the XXXX to Citibank to impersonate me to authorize their wire transfer under my identity. Citibank is currently investigating and reviewing this fraud case, and the Affidavit is still being sent but will process on Friday XX/XX/XXXX through Citibank 's Incident Report Unit. I have also filed a case with FBI 's Internet Crime Complaint Center ( IC3.gov ). {$59000.00} was wired from my savings and checking account with Citibank, unauthorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: HW Holding, Inc
State: NV
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 have reached out to the XXXX XXXX  and to the creditor Hunter Warfield this identity theft. I have submitted proof of residency in the last few years and they claim that I lived there in 2017 which is impossible because I had a lease agreement in XXXX  which is also where I worked as well. I have never lived in the state of Oregon. A few years ago I had my id and social stolen and its been used few times which is why I am trying to dispute this due to interest accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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: Information belongs to someone else

Complaint:
There are fraudulent accounts in my report, I have reported it to the bureaus, but I did not see receive any response. The accounts are damaging my credit and limiting my ability to obtain XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: OH
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:
I have several inaccurate addresses on my credit report. I have never received any documentation on several accounts that are listed wrong on a unverified Bankruptcy. I contacted the U.S. BANKRUPTCY COURT and I was told they didnt furnish that information about a bankruptcy. Who furnished the information on the case? 
My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
My Employer XXXX XXXX XXXX XXXX  The follwing addresses are not mine please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mine please delete ( 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 non-monetary relief
Consumer complaint received 2018-04-30
Company: Conn's, Inc.
State: TX
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:
On XX/XX/XXXX a letter I sent to Conns Credit Company requesting validation of an alleged account in my name was signed for via certified mail. It is required by federal law that a notice of dispute is to be placed on any account within 30 days of a dispute in which Conns Credit Company failed to do. I have retained a copy of signature and date of receipt as well as a time-stamped copy of my credit reports, showing that Conns has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. A follow up letter was sent and was signed for on XX/XX/XXXX stating that FCRA rule had been broken and a deletion of the trade line was required. I received the exact same letter from Conns Credit Company ignoring my request, and to this day a notice of dispute has not been placed on my credit reports nor has it been deleted. Due to the fact that Conns has violated the terms of the FCRA I am requesting a deletion of this trade line from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
XX/XX/XXXX 


Dear Ford Credit Motors, Based on your letter received, dated XX/XX/XXXX. I hereby agree to the resolution reached and request to utilize the requested opportunity. 

I hereby request and direct Ford Credit to remove all negative notification on my credit report including the word dispute and unverifiable late payments indication. 

This letter serves as a formal writing as indicated on the letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was mistakenly sent XXXX dollars. Paypal then tried to debt me XXXX, when I asked about why this was, they blamed me for the entire thing. I didnt know the sender, and when I asked immediately about the money sent by mistake, I was told I didnt do it fast enough ( I asked the same day ). I was told I should have refunded the XXXX, even though I was only sent XXXX. This makes no sense to me, and they have yet to explain this. They will not allow me to close my account, nor limit its income leaving me open to be scammed again. 
I have contacted Paypal several times and they insist there is nothing they can do to close their own account nor limit its ability to receive money. This has been in dispute since XXXX. Why is it my fault someone sent me money by apparently typing in the wrong email address, and then its my responsibility to pay the fee? I have a very unusual name / email address. There is no way this was just a mistake. I never wanted a paypal account, XXXX refunded money to my CLOSED paypal account and forced me to reopen/ connect it to my checking account to get my money back that I never had in paypal to begin with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed an inaccurate account with XXXX, XXXX and Transunion on Two ( 2 )  different occasions for a XXXX account being collected by XXXX XXXX ( XXXX and Transunion ) and XXXX XXXX ( XXXX ) for {$1100.00}. I do not owe any money to these collection agencies or to XXXX. This is inaccurate information and each bureau fails to properly investigate the inaccuarate reporting of this information. My disputes were XXXX and XXXX. I am entitled to a fair and accurate 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 2020-04-28
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
Mortgage was paid in full at close of escrow when property sold three years ago. Mortgage still shows as unpaid, delinquent and three years behind in payments. Title company paid off mortgage as part of closing process and provided wire transfer confirmation, as well as audited final settlement statement. Both document are available for upload to support my complaint. Currently trying to qualify for a new mortgage and learned that this incorrect reporting is impacting my credit score and ability to qualify.

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 2022-01-09
Company: John C. Heath, Attorney at Law, PLLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This is the information regarding the bankruptcy cases. This is the information. Of repose discrimination. To the regard of the Notebook and bluebooks. Filed on the cross examination. With the treason forgery and identity theft. Also is in the relationship to responsibility. On the disregard of the Ethics committee and the department of education. XX/XX/XXXX XXXX XXXX XXXX. Filed infomation and grievance to protect the consumer respondent of the application A-B. XXXX XXXX XXXX with the 44th president seal of the approval to the XXXX and XXXX regulation of hi-tech information and programs consumer. With fcra defense of the social security administration office and cross file. Breaching with the defendant coverage liability and equal opportunity rights of the administrative court and federal court inquiry commission breach discrimination with the public communication forms and document to XXXX XXXX XXXXXXXX XXXX  XXXX Georgia XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
Mortgage was paid in full at close of escrow when property sold three years ago. Mortgage still shows as unpaid, delinquent and three years behind in payments. Title company paid off mortgage as part of closing process and provided wire transfer confirmation, as well as audited final settlement statement. Both document are available for upload to support my complaint. Currently trying to qualify for a new mortgage and learned that this incorrect reporting is impacting my credit score and ability to qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Scam company saying a process server will be at my residence from 3to5 if I didnt not contact them right away. I called them they told legal action will be taken if I did take care of a debt that wasn't even mine. The company is ADR or alternative dispute resolution ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
Mortgage was paid in full at close of escrow when property sold three years ago. Mortgage still shows as unpaid, delinquent and three years behind in payments. Title company paid off mortgage as part of closing process and provided wire transfer confirmation, as well as audited final settlement statement. Both document are available for upload to support my complaint. Currently trying to qualify for a new mortgage and learned that this incorrect reporting is impacting my credit score and ability to qualify.

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 2021-10-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, Im writing to see if you can advocate on my behalf to Moneygram that I receive a refund for a transaction that they are holding funds for. They will not liberate the funds in the receiving country of XXXX and they are also refusing to refund that money to me as a sender until 90 days from now. This has to be illegal since they shouldnt have the right to hold funds for 90 days if the transaction can not be completed. 
I initiated a transaction with them on XX/XX/21 they withdrew the money from my XXXX  checking account the same day in the amount of {$2600.00}. 
They dated the transaction as processing on XX/XX/21 and sent an email saying funds were available to claim in the destination country of XXXX. 
They did not send any further communications and by the end of business on XX/XX/21 I called to ask where the money was. They proceeded to tell me that there was some sort of verification process I had to go through and that funds would be deposited within a couple of hours or up to 4 business days. 
I called yesterday, XX/XX/21, by the end of business to inquire about funds. They said there is an investigation pending and that it would take up to 90 days. 
I replied that it is unacceptable and to cancel the transaction to which they refused and said they would make a note of my preference and I had to wait and see. 
They also proceeded to blame the receiving bank in XXXX, who I contacted, and confirmed that they have absolutely nothing to do with Moneygram holding the money and that all they do is pay out the cash or deposit to account. They are not responsible for compliance nor liberating funds when they have been flagged. To this effect, Moneygram, is lying or ill-informing their employees on what to say. 
The money I sent is not money from illicit sources. I am a glass business owner and it is my salary. Moneygram should not be allowed to hold a customers money however long they want. These are funds that people send out of need not something to be played with. 
Please contact Moneygram on my behalf and demand that Transaction # XXXX be cancelled and refunded immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CBC Companies, 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 tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft. refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.

Company response to consumer: Closed with explanation