BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX has sent a previous account into collections based on an amount that I do not owe. A portion of the bill owed was slotted for equipment that I 'd paid for previously when the company withdrew funds from my account. I do not owe for un-returned equipment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
A while back we were forced to open another checking account in order to obtain a savings. I never wanted XXXX checking accounts but was told that was how pnc bank had to do this to open the other savings. In total I had XXXX accounts, our regular checking. The account I did n't want and XXXX savings. We never tried to use the other checking but some how it got mixed in to our pay pal account which charged XXXX transactions to it. PNC never notified us of the over draft instead they kept charging the account penalties until reaching {$290.00} then they took that XXXX out of our checking with out notifying us and closed that account. I called talked to a very rude person in their REG team who said all these penalties are valid and it was n't their fault they did n't notify us cause we could of checked the account balance online or called them. After yelling he agreed to a XXXX refund but I still feel cheated out of my money that they stole from a veteran trying to feed his family of XXXX. The end I do accept some responsibility but notification from PNC should of been sent, not just XXXX the account with penalties and then take money out of the other account. Money that we had already used to pay a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
It has been a battle going through this and I am writing to delete the following fraudulent information inmy file. The items I need deleted are listed in the report. I am a victim of identity theft and did not makethe charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft ofmy identity to the Federal Trade Commission and I also have enclosed copies of the Federal TradeCommission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or givenanyone access to my private and confidential records and certainly not the alleged with the items listedbelow. ) showing on my credit report. I, therefore, request that you immediately remove this accountfrom my credit report with your firm, or provide me with the exact source where you received suchinformation, so I may take appropriate legal action. Please delete these items as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX BalanceOwed : {$9100.00} ; XXXX XX/XX/XXXX ; 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 2016-07-08
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
XXXX XXXX 2016 XXXX hours Multiple individuals attempted to assist me, completely failed and I was too outraged to get any names. Spoke via telephone to XXXX customer service agents, who were worthless and incompetent. Western Union is taking extremely horrendous care of a veteran. WU is using fraudulent advertising & claims. WU DOES NOT help people send money. WU is NOT fast, DEFINITELY NOT reliable and darn sure NOT convenient. I was actually told that I was NOT ALLOWED to file a complaint ticket due to WU XXXX up my transaction. I have documented proof that I submitted the transaction correctly. I will be contacting my state regulators, state legislators, federal regulators and federal legislators. And everyone else I can think of. I have been treated incredibly unprofessionally. This is a huge load XXXX I was on the phone, most of the time on hold, for 45 minutes. If it was truly my fault, then why did at least XXXX people need to get involved and why did it take 45 minutes!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi Team I am raising a concern to CFPB regarding a fund transfer of {$2000.00} initiated from my bank ( Wells Fargo ) to XXXX ( an online XXXX exchange account ). 

I planned to invest some funds in the market ( online trading ) and sometime in late XXXX I have registered and setup an account with XXXX by XX/XX/XXXX & completed all background check verification by XX/XX/XXXX and added my Wells Fargo bank account on the same day. Later, I have initiated a fund transfer of {$2000.00} by XX/XX/XXXX from XXXX and XXXX uses XXXX to perform direct debit the amount from my bank. 

Over the internet I read some news that XXXX is collapsed and filed bankruptcy, from then XXXX not letting me to access my XXXX account nor able to access my funds ( {$2000.00} ). I was helpless and even tried to report this issue to XXXX customer support team as well but unable to reach them at all. I have even sent an email regarding this to XXXX compliance team, legal team, etc., but no response from them. 

On seeing this issue in order to secure my funds, I immediately reported this to my bank ( Wells Fargo ) that the transaction made to XXXX seems fraudulent transaction to me and requested to file a case by XX/XX/XXXX. 

-No action was taken by Wells Fargo- XXXX case was generated ( Wells Fargo Fraud Case XXXX XXXX XXXX ) and said I will be receiving the temporary funds of {$2000.00} will be issued, but after that my bank not even sent any details regarding this for more than a week, no confirmation, no email communication or information about the steps taken regarding the issue. 

When I tried to reach them out by XX/XX/XXXX over the call, I was told that this case was denied, and they will not dispute the charges, also least bothered to address about the issue. They are not concerned about the customers, or the reason why a fraud claim was submitted. They just bluntly asked me to work with XXXX itself to retrieve my money and can not do anything by Wells Fargo to retrieve the money. 

I was helpless with XXXX and reached Wells Fargo & even my bank cornered me by not providing a right resolution to retrieve my funds back. 

Request to help me to get this issue resolved.

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 2021-12-21
Company: Self Financial 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:
ATTN : REGISTERED AGENT FOR SELF FINANCIAL , INC Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. 
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports Remove all remarks or comments off my consumer report. 
Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature. 





1. Name and address of the original creditor who created the debt.

2. Name on file of alleged debtor. 
3. Alleged account # 4. Address on file for alleged debtor. 
5. Amount of alleged debt.

6. Date this alleged debt became payable.

7. Date of original charge or delinquency.

8. Was this debt assigned to a debt collector or purchased? 
9. Amount paid if debt was purchased.

10. Commission for debt if collection efforts are successful.

11. Documentary evidence that this agency is in fact the holder in due course.

12. Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ). 
Please provide the name and address of the bonding agent for SELF FINANCIAL, in case legal action becomes necessary : Authorized Signature of Creditor : You must return this completed form along with copies of ALL requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within thirty days from the date of your receipt of this letter. Please be aware I understand falsifying and concealing documentary evidence of statements of entries is punishable under Title 18 U.S.Code 1001 for up to five years of imprisonment.

Without the information which is required by law for your offices to have on file there is no valid way that your office can validate any alleged debt. 
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

To acquiesce or failure to comply with the requirements of this notice would be admittance to stating there is no proof of claim for this alleged debt, you agreed to discharge the matter accordingly not sell or assign this matter to another agency, as well as remove the false allegation off of all of my consumer reports and will compensate me accordingly in the amount of the presented invoice in good faith and ordinary care for the financial damage caused by the reporting false allegation. 
Your prompt attention and response is both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I made a charge to my Suntrust debit card ending in XXXX in the amount of XXXX. The charge was for a ticket purchase for XXXX XXXX, and the payment was transacted through XXXX XXXX on the same day. I received a confirmation email on XX/XX/XXXX from XXXX XXXX that my order was placed and received my tickets via email on the same day. 

On XX/XX/XXXX, I was advised the show concert was cancelled, however, I should hold on to the tickets and I would be notiified when the concert was rescheduled. 

On XX/XX/XXXX, I received a email from XXXX  XXXX  advising the concert was cancelled and I would receive my refund through the original purchaser, Pay Pal or XXXX XXXX. 

On XX/XX/XXXX, I replied back to the XXXX XXXX email advising them that my debit card ending in XXXX had expired and to provide guidance around what would be the next steps. To date, I have not recieved a response. 

On XX/XX/XXXX, I received a email from XXXX XXXX that the concert was cancelled and " my refund was processed to the original method of payment used attime of purchase on XX/XX/XXXX. You should see this post to youraccount within the next XXXX business days. Refund details, includingwhich method of payment has been refunded, and the amount refundedcan be found by logging into your XXXX online account andclicking on your order. '' I have made attempts to remediate these issues with XXXX XXXX, XXXX XXXX and Suntrust ( now Truist ). Suntrust advised me that they were unable to locate the transaction, hence, I would not be able to dispute it.

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 2021-09-28
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have spent 3 months trying to contact Gemini, I'm sick of wasting my time. They have locked my account and have not sent a response to my many emails during this time. I have never experienced such poor support from any company before. 

Gemini 's website https : //www.gemini.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My credit has been run XXXXThis has caused my credit score to drop XXXX points on both Equifax & XXXX. 
I did not apply for credit nor are these cards open. They have been closed for years. I am in the process of selling my house and purchasing another. I am aware of the Group on Mortgage check as we are in the process of purchasing a new home. 
I am disputing XXXX. Again I have NOT requested credit from these companies. I recently had an issue with a XXXX gas card someone opened in my name. This was cleared up by both XXXX and XXXX. I want these removed and reported as possible identity theft. I would like Equifax & XXXX notified of this derogatory hard credit checks so my score can be returned to what it was prior to these credit inquiries. It should be illegal for companies to run credit reports on closed accounts. I am not at all interested in opening these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax wrongfully accepted an inaccurate claim submitted by a collection agency, XXXX XXXX XXXX, XX/XX/XXXX. The claim contains incorrect information which was reported to both Equifax and to XXXX. They ignore my repeated attempts to correct this matter. 
I contacted Equifax on : XX/XX/XXXX ( XXXX - supervisor ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX -hung up on me ) then ( XXXX-was abusive ) then XXXX in Nevada . He said my only option is to call XXXX to have them send a retraction on claim. He didnt care when I told him XXXX would not talk with me. 
Filed a verbal dispute with Equifax on XX/XX/XXXX against XXXX. The details I gave the person at Equifax regarding the dispute were not the same as what was listed in the dispute report. Instead of using my dispute claim of " incorrect information " on the claim, the Equifax person submitted dispute for 'verification only. ' Furthermore, this was incorrectly submitted to the wrong party ' XXXX XXXX ' who, no longer has any ownership in this matter. 
This was resulted in not addressing any of the factual information I had provided and gave a response that did not address the issue. 
All this was confirmed by a XXXX XXXX supervisor at Equifax on XX/XX/XXXX when I called in for an update on my dispute. I resubmitted the verbal dispute with XXXX XXXX to include all the factual information and, to be submitted to XXXX. 
XXXX did not address anything in the dispute and only gave the same meaningless reply of : " We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. 
Equifax is not making any effort to ensure the information reported on their reports is accurate. They admit they do n't care about their policy of allowing invalid negative information being used against account holders and, that they publicly post bogus inaccurate & damaging information to which its your burden to prove yourself innocent! 
This is a scam when they now ignore you and, refuse to even address the facts that were provided in the dispute. This is proven by their 'dispute results ' not mentioning anything about their claim : using incorrect XXXX codes and, my signed admission documents stating no charges can be made on procedures that are n't 'pre-approved ' by me and, no procedures were pre-approved. XXXX has these documents which were provided to them when taking ownership of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax refuses to update my credit file. XXXX XXXX forwarded an update on XXXX/XXXX/15 to Equifax but they refuse to update my file. Equifax does not respect the CFPB and each time I complain about Equifax to the CFPB, Equifax responds that they need 30 days to research. I am not sure why you would need 30 days when the creditor provided you with an update. THIS HAS TO STOP EQUIFAX SHOULD NOT BE ALLOWED TO OPERATE IN THIS MANNER. In the last two weeks I have been denied credit for home owners insurance, line of credit and new vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
On XX/XX/XXXX I rescinded a loan " modification '' that was done by XXXX XXXX that was really a cashout refinance, because XXXX paid off my former first mortgage that was with XXXX XXXX without my knowledge or consent, and included these funds in the modification without disclosing it in any way. The loan has since been transferred to Select Portfolio Services, and I have filed numerous complaints against SPS, as well as a complaint against XXXX, which has not been answered yet. The modification was done in XX/XX/XXXX, which is well within the 3 year recision time allowed since there was no documentation of the additional funds ( no XXXX Statement or anything ) and no right of rescision given to me since it was a cashout refinance and not a straight modification, and I sent notice of rescision on XX/XX/XXXX. 
SPS refused to rescind the loan claiming there was no record of XXXX being paid off. 
I have ordered a copy of the wire transfer from XXXX to XXXX, which I will forward to the CFPB as soon as I receive it, as well as the payoff letter with XXXX 's fax number on it. The payoff request was done by phone on XXXX 's automated system, or I would also get a copy of the payoff request. 
SPS has done no research into the payoff to XXXX, which they should have full access to as the servicer of the loan, but has only kept claiming that there were no funds to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been negotiating this short sale for years, and it goes in a vicious circle of needing documents, submitting docs, extending the law day, repeat, repeat, repeat. I submitted a complaint in XXXX 2016, # XXXX, but the short sale still has not been approved. I work with all lenders, negotiating short sales, and this lender is hands-down the worst.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation