BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  DEPT OF EDUCATIONXXXX Account # XXXX has 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 instructions

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 2022-08-03
Company: Mid-South Adjustment Co., Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello Sir/Ma'am I am writing as concern as a service-connected veteran of XXXX XXXX. For over 9 years the VA has deducted amounts owed to services rendered by the VA Outpatient clinic from my VA XXXX compensation. I am 10 % service-connected, and never once had paid out of pocket for medicine due to it the VA taking it out of VA XXXX compensation. The VA has showed me over the course of 9 years and more that is what they do. It is disturbing on many levels that I now have a debt collector and that my credit is now going to be affected due to someone not taking {$8.00} from my compensation, now I have a balance of {$33.00} dollars. The VA always had a way to access unpaid funds from me, since that is what they have been doing for over 9 years, with the exception of that 1 time. Veterans to include myself struggle with XXXX due to things that happened in the military and to have this happen to me. It makes think that this is happening to other veterans needlessly. Especially, when the VA has an avenue to get their money, and that my service-connected XXXX is paid by the VA. it does not make sense. This should not have gotten to this point due to having methods to deduct {$8.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022 I used MoneyGram International to transfer {$1400.00} USD to my husband 's XXXX XXXX XXXX XXXX  account in XXXX. MoneyGram promised delivery no later than XX/XX/2022. The money was not delivered and still is not delivered on XX/XX/2022. 

MoneyGram refuses to provide any information as to where the money might be. The only thing they propose is to initiate an investigation on XX/XX/2022, a process that take up to 90 days. Even if I request a cancellation, the funds will not be refunded before the investigation concludes. 

Therefore, I could be out of this money for more than 100 days which is an unreasonably long time. Both the receiver and I have had numerous telephone conversations with MoneyGram since XX/XX/XXXX, receiving conflicting information from the agents. At the same time, the automated tracking message states " funds are available ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I recently checked my credit report, then found out there is credit cards charged off from XXXX, XXXX XXXX and XXXX XXXX under my name. It looks like someone else used my informations to open these accounts. As I NEVER opened these accounts. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX DEPT OF EDUCATIONXXXX Account # XXXX has 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 instructions

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 2022-06-09
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: Credit inquiries on your report that you don't recognize

Complaint:
went to dealership was told in house financing but ran my credit with other companies without telling me 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Account information incorrect

Complaint:
Experian Dates Of CO ( Charge off ) are not matching card numbers and the CO is for XX/XX/XXXX and not XX/XX/XXXX ( Printscreen sent of Experian ) and also account closer of 1099-c provided screenshot. Please rectify the charge off to XX/XX/XXXX and not XX/XX/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 2022-08-24
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I applied for a credit card with Union Bank XX/XX/2021 ; never received a reply ; no card to activate. Little did I know, an identity theft had already occurred. Charges were allowed on the card for more than 2 months! I wound not know because no statements were mailed to me. I blame Union  Bank for letting its guard down maybe because I had a high credit rating XXXX. No verifying my identity, allowing the fraudulent user to steal my identity, proceed with anomalous multiple purchases and cash advances in just 2 days without any check or verification that it was indeed me ; no text no phone call, no alert, at all. 

Unknown to me, transactions amounted to almost {$18000.00} have been accumulating from XXXX XXXXXXXX XXXX, using up the credit limit of {$15000.00} and then some. This is obviously a red flag that Union Bank did not do anything about. I have copies of 2 monthly statements which by the way were not received in the mail - I had to request for them late in the game. Month after month, interest and late payment charges were leveled against the account with this high balance, which by then in XXXX came as a big shock when I finally got the statement mailed to me. All this time, I thought my application for the credit card in XXXX was denied and forgotten. 

I personally went to the bank in XXXX, to tellers, to account managers to have the whole thing rectified and in earnest time. Nothing happened immediately but eventually got a letter from Fraud Dept stating that the matter is under investigation, after so many calls and hours of waiting in the call answering system. 

I don't even know the full account number, just the last 4 digits that show on the statements. From my multiple calls with Union Banks representatives over the months, I was able to gather the first 6 digits of the account number and a phone number associated with the perpetuator. No follow up at all from Union Bank until now that I've sent letters to all three credit bureaus and CFPB. XXXX XXXX Bank now asks for a police report which I immediately mailed to them today, XX/XX/XXXX. I will be giving updates right after anything comes up.

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 2023-01-30
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello, LexisNexis ( ref : XXXX ) has recorded that I had an accident on XX/XX/XXXX. 
For the FOURTH time, I have requested an investigation because this accident is not related to me : * My driver license number is not ending by XXXX ( see attached XXXX ) * My car is a XXXX XXXX, not a XXXX  XXXX ( see attached " title property '' ) * My car VIN is not XXXX ( see attached " renewal '' ) * My name is not XXXX XXXX XXXX ( see attached XXXX ) * My address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( see attached XXXX ) * My car insurance is insured with XXXX ( see " letter of experience '' ). I am not insured with XXXX insurance. I contacted XXXX insurance on XX/XX/XXXX, and they reminded me TWICE that my name was ( not is ) not on their record. 

The car insurances " XXXX  '', and " XXXX insurance '' and myself are not aware of any vehicle accident under my name. 
LexisNexis has refused to correct the records. They contacted " XXXX insurance '' and were told the information is accurate, which is probably true. However, this accident is still not related to me, but affects my car history. 

Please advice. 


XXXX XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
Equifax is reporting inaccurate information on my credit Report Ive been notifying/disputing with Equifax for over a year and a half now multiple times and Exuifax is still reporting the 2 inaccurate accounts on my credit report : Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, has violated my rights. 

XXXX and XXXX has both done an investigation and Deleted the two inaccurate accounts above off of my credit report but Equifax is still the only Credit Bureau that is reporting the accounts inaccurate. Its is an violations under the FCRA to report inaccurate information on an person credit report and I demand that Equifax Delete the Two accounts immediately off of my credit report because they do not belong to me ( Name : XXXX XXXX XXXXXXXX Account number XXXX ), has violated my rights. 

Im fed up and Im on my last leg i will sue Equifax if they dont removed the two inaccurate accounts off of my account immediately.

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: OH
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On the day of XX/XX/22 between the hours of XXXX, I went to Chase Bank and used the ATM machine to withdraw {$1000.00} from my Business Checking Acct., The money never dispursed from the machine, but was instantly deducted from my account. I immediately went inside the bank to speak with a customer agent about the error that took place, the agent filed a claim with the Chase Corporate Claims department. A few days later my account was credited with {$1000.00} from Chase, then a week later my account was deducted {$1000.00} from Chase, bringing the issue back of me being ripped off {$1000.00} from Chase. I then called Corporate Claims and was told they found no errors with their ATM machine and the matter was closed, this left me irate and considered their actions on the matter unacceptable. I then went to Chase Bank in person and filed a formal complaint regarding the treatment to me by Chase Corporate Claims Dept. on an error created by Chase bank. The formal complaint was filed and i was told that the Chase Complaint Dept. would call me in 1-3 business days, I haven't heard from the Complaint Dept and its been 7 business days since the complaint was filed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30
Company: Navient Solutions, LLC.
State: NV
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:
BEFORE XXXX XXXX  I HAVE ALSO BEEN INFORMED THAT I AM A VICTIM OF IDENTITY THEFT IN WHICH XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX IS REPORTING A NEGATIVE BALANCE OF {$22000.00} AUTO LOAN THAT IS NOT ME AND THE XXXX XXXX XXXX ALSO CONFIRMED I WAS VICTIMIZED. AND TO FILE A CLAIM, US DEPT. OF EDUCATION HAS A SCHOOL LOAN THAT DOES NOT BELONG TO ME WITH A BALANCE OF {$12000.00} XXXX XXXX XXXX IS REPORTING A BALANCE OF {$460.00} THAT DOES NOT BELONG TO ME. 

PER TITLE 15 SUBSECTION 1628 A THROUGH Z FCRA I AM A VICTIM OF IDENTITY THEFT AND TO PLEASE REMOVE THESE NEGATIVE ITEMS AND INQUIRIES BECAUSE MY CREDIT REPUTATION HAS BEEN DAMAGED AND CAUSING ME GRIEF TO NOT BE ABLE TO OBTAIN ANY FORM OF CREDIT IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX account # XXXX is showing as a closed account on my credit report. This account is full of inaccurate information such as my correct legal name, address, as well as false signature. 15 U.S.C sec. 1681i ( a ) states that a thorough investigation must be conducted by the credit reporting agencies providing all accurate proof of the legitimacy of this account or it is to be deleted. I have no idea who did this. 15 U.S.C 1681 also states that credit reporting agencies have a obligation to report fair and accurate information as I also have a right to privacy and confidentiality protecting me from false, inaccurate or incomplete credit reporting that is damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX contacted me 4 times on Wednesday, XX/XX/XXXX. They left a voicemail. 
I called them back around XXXX. Representative wanted to verify my address and phone number and told me another company will be giving me a call. 

Yesterday, XX/XX/XXXX, they called me 4 times ( XXXX, XXXX, XXXX, XXXX ) and they left me 4 voicemails. Same voice, same representative I spoke to on Wednesday. 

Today, XX/XX/XXXX, I received 4 calls from them and voicemails ( XXXX, XXXX, XXXX, XXXX ) Every time I call back, its the same female representative with the horse voice asking to verify the same information. She seems to not know or remember that we already spoke on Wednesday the XXXX and she is very aware that i already have a payment plan scheduled for every XXXX of the month. 

They've called my job and threatened to garnish my pay. They also tried to get info from the HR representative like my ss # and date of birth. 

All these calls are unnecessary. I have not missed a scheduled payment.

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 2017-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi, I would like to file complaint concerning theft or loss of my money at Bank of America. Despite numerous attempts to resolve this problem with Bank of America, I am still not getting anywhere on this. In CFPB case XXXX, I have learned that Bank of America escheated my property to State of Wisconsin. So, I contacted State of Wisconsin, their response ( in writing from the DOR Unclaimed Property Division ) is the following : " I have looked under your name and I can not find anything under your name. You will need to contact Bank of America, we can not help you claim your unclaimed property if we can not find it. Its possible Bank of America misspelled your name or make a data entry error when the property was sent to us. You will need to go back to Bank of America and talk to them. They have more information about the property then us. '' I did as instructed by the State of Wisconsin. In my email sent to Bank of America on XXXX XXXX, 2017, and also in CFPB case XXXX, I provided Bank of America the response that I received from State of Wisconsin, and I asked Bank of America to find my money. Bank of America has not addressed this problem, neither via email nor in CFPB case XXXX. I STILL DO NOT KNOW WHERE MY MONEY IS. I do not want to call any phone number at Bank of America as XXXX XXXX from Bank of America suggests to listen to their excuses. THIS IS BANK OF AMERICA 'S PROBLEM ; BANK OF AMERICA LOST MY MONEY. I WANT BANK OF AMERICA TO CONTACT STATE OF WISCONSIN TO FIGURE THIS PROBLEM OUT, AND TO FIND MY MONEY, and tell me where it is IN WRITING! AND WHEN YOU FIND IT, SEND IT AS A CHECK TO MY HOME ADDRESS. I am so disappointed with Bank of America that I am almost ready to report my experience in national media!!!

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 2022-08-03
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have A 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 instructions.

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 2023-01-30
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I then called the foreclosure attorney XXXX with XXXX XXXX XXXX XXXX, she stated that after our conversation she received confirmation from her client to proceed with the foreclosure and that she made one attempt to alert me of the foreclosure still moving forward but was not able to reach me and there fore my home was auctioned off with out no other publication and after I received confirmation from both XXXX and the attorneys handling the foreclosure.

In addition I am attaching the foreclosure publication documents I received on XX/XX/XXXX showing Wells Fargo as the prior mortgage servicer named as the foreclosing mortgage servicer on record but as I stated and have attached the Serving transfer letter Wells Fargo was no longer involved with my home as of XX/XX/XXXX. I believe my home was illegally foreclosed on and that XXXX and its investors and Trustees did not have the proper authority to foreclose on my home.

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 2017-08-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Need a discharge confirmation and I went to Couty Cleark to get it done, but the old bank XXXX XXXX does not exist any more. I am working on getting an equity loan. The mortgage made a mistake with the number XXXX and it should be 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