BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
ON XXXX AT XXXX, I SENT MONEY THROUGH XXXX XXXX XXXX MONEYGRAM LOCATION XXXX XXXX XXXX XXXX AND DURING THE PROCESS, THE AGENT CLEARLY SAID TO ME MONEYGRAM HAS A NEW POLICY TO REQUEST PHOTOCOPY OF ID AND ALSO I MUST WRITE MY SOCIAL SECURITY NUMBER ON THE PAPER HAVING MY ID PHOTOCOPY. I SAID IT WAS NOT FAIR TO REQUEST ID PHOTOCOPIED PLUS SSN .HE SAID IF I DOUBT, I CAN GO TO XXXX XXXX .I WAS IN AN URGENT SITUATION SO I SENT THE MONEY .BUT BETWEEN XXXX AND XXXX I CALLED MONEYGRAM HEADQUARTER TO ASK IF THEY HAVE A NEW RULE TO REQUEST ID AND SSN? MOREOVER, I ASK MONEYGRAM TO SEND ME A WRITTEN COPY STATING CLIENTS MUST PROVIDE ID+ SSN ; XXXX SAID IN SOME CASES WHEN THE AMOUNT OF MONEY BEING SENT IS HIGH, AN ID IS REQUIRED BUT NO SSN. SHE ALSO SAID IN MY CASE MY AMOUNT SENT WAS LOW AND I WAS WRONGED BY AGENT. THEN I FILE A COMPLAINT ( CASE XXXX ) BECAUSE SHE SAID I WAS WRONGED BY AGENT .WHY WILL AGENT TREAT ME DIFFERENTLY BY REQUESTING EXCESSIVE INFORMATION THAT ARE VERY SENSITIVE? NOW, I AM VERY SCARED MY INFORMATION MAY BE USED WITHOUT MY CONSENT OR FOR OTHER PURPOSES WITHOUT MY KNOWLEDGE. IF AGENT IS WRONG, WHAT CAN MONEYGRAM DO TO ENSURE ME THAT I WILL NOT BE AN IDENTITY THEFT VICTIM BECAUSE AGENT HAD ACCESS TO MY SENSITIVE INFORMATION? 
BEST REGARDSXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
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: Account information incorrect

Complaint:
Transunion is reporting an account inaccurately which is a violation of XXXX XXXX standard. Transunion claims to have investigated and verified this account however that is a lie. I have attached a sceeen shot of my most recent credit report. The account for XXXX XXXX XXXX is reporting a date closed as XX/XX/XXXX. XXXX is reporting the date closed as XX/XX/XXXX and XXXX is reporting this account as closed on XX/XX/XXXX. All of these can not be correct. The ending balance could not have changed since there was no activity on the account since it closed. The closed date must be the same for all 3 credit reporting agencies. Also if you previously investigated and updated this account for accuracy why is the high balance reported ( XXXX ) lower than the original balance? ( XXXX ) That would be impossible. This proves no investigation was actually done.

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 2022-08-15
Company: EQUIFAX, INC.
State: SC
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 have been trying to get my credit report properly investigated because their are accounts that have been open fraudulentlyXXXX 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 XXXX I have no knowledge of any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions 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 was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-03-21
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2022 I Paid my friend via Chime bank transfer via XXXX XXXX. My friends name was listed as a username and so I sent him {$100.00}. He never received it. I inquired about his payment with calling Chime customer service. They said it had gone through. I asked them if I could three way ( conference call ) with XXXX ( the intended recipient of the monies- {$100.00} ). They said okay. They took his personal information and acknowledged on the phone that it wasnt his account, despite it being his number listed. I requested my money back and the transaction cancelled, but they declined and wrote to me stating this instead. 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : XXXX XXXX  - Transfer to Incorrect Recipient Date Error Reported : XXXX Claim Amount : {$100.00} Hello XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed.

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. 

Sincerely, Chime Disputes Team I at first only wanted my money back. But then realized, what if Chime has opened all these accounts with peoples numbers that arent them. I cant be the only one who sent to a username that was populated in the Chime app by Chime accessing my contacts in my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In  XXXX    XXXX  , a {$200.00} charge was made on my account, however, a return of {$110.00} on the same  day (     XXXX   XXXX   XXXX   ). No statement or account information was sent to us for the remaining balance of {$93.00}.  The first time we were informed of the account having a past due amount was with a collection notice we received in the mail on or around    XXXX   XXXX   XXXX  . At that time, I logged on, not knowing that there were any charges on this account an d paid the {$93.00}. We also sent in an email to Target that we had not been receiving any statements, and that we would like them to reverse th e three excessive lat e fees that totaled {$100.00}, on the account. They reversed the interest charges but sent another collection notice via  US m ail on    XXXX   XXXX   XXXX  , wh ich we only received on    XXXX   XXXX   XXXX  .  I spent ov er 2 hours on the phone with different departments to close this account and asked to   speak to someone about resolving the {$100.00} in charges on the account. They told me that unless I paid the amount of {$48.00}, they would continue to fine me for not paying their fines and interest on the fines. I believe that {$100.00} on a {$93.00} balance is excessive whe n Target made no attempt to contact us to let us know about this balance. They have our phone numbers and could have easily had this resolved in 30 days ( as we have a history of paying our account in full ). Despite all of my attempts, I am being forced to continue to incur late fees and their interest indefinitely for non-payment of late fees, which I think is just unconscionable. They do their own collections, so while I would like to resolve this matter, they are not interested in settling it and I do n't want to continue to p ay fees when my account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: WELLS FARGO & COMPANY
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The ACH Transfer is made for XXXX XXXX a total amount of {$1700.00}. At first we helped him with {$1500.00} and then give him additional {$250.00}. We are trying to help him and being generous but at end it was a scam. They are doing fraud and scam so they can get money. Is it possible to get the money back because I tried to reverse the ACH before because they told us before we can reverse it unfortunately they informed as in the branch we cant reverse it. He never respond to my text or call. XXXX XX/XX/XXXX, XXXX {$1500.00} XX/XX/XXXX, XXXX {$250.00}

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 2022-03-21
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented a home in XXXX Michigan and Landlord had XXXX XXXX already and had put this in my name without me knowing. I had paid the bill monthly with no issues. Equipment needed to be taken back and I was unaware of the bill being in my name it was included in my rent per my landlord. He told me that he would take care of everything when my lease was up and now I see this bill on my credit and in my name.

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 2022-07-15
Company: EQUIFAX, INC.
State: NJ
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 complaint is to follow up on any response from Equifax after days of investigation. As I reviewed my Credit Report I noticed that there is still an account that is reporting erroneous and incorrect information. Right now, I am not satisfied that Equifax has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining account needs proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation of the account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
By letter dated XX/XX/XXXX that is enclosed hereto as Exhibit " A '', XXXX XXXX ( " XXXX '' ) and PHH Mortgage Services ( " PHH '' ) responded to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) as complaint number XXXX with false statements as it pertains to an already time-barred debt and mortgage identified with account number XXXX, by : falsely addressing the Estate of XXXX XXXX XXXX as the Customer ( s ) for the above referenced account number when no such estate is connected to my property, and my husbands name was not XXXX XXXX XXXX ; and falsely declaring that I defaulted on my mortgage loan as of XX/XX/XXXX and mentioning the active illegal foreclosure under Docket No. XXXX wherein XXXX and PHH are falsely declaring XX/XX/XXXX as the date of default, when at all relevant times : ( 1 ) the false date of default as of XX/XX/XXXX contradicts the XX/XX/XXXX date declared for the same transaction under Docket No. : XXXX and a true copy of foreclosure complaint filed therein on XX/XX/XXXX ( the same day of my husbands death ) is attached hereto as Exhibit B ; ( 2 ) the false date of default as of XX/XX/XXXX misrepresents and falsely implies that payments were made towards the subject account number from XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) the false date of default as of XX/XX/XXXX unlawfully conceals approximately $ XXXX in payments that I tendered for the months due XX/XX/XXXX through XX/XX/XXXX during an extreme time of grief upon my husbands death, with approximately $ XXXX being cashed by predecessors and affiliates of XXXX and PHH as displayed within the checks enclosed hereto as Exhibit C. 

Furthermore, the foregoing parties along with their co-conspirator XXXX XXXX XXXX ( " XXXX XXXX  '' ) are willfully refusing to answer and provide the information demanded by communications dating back to the end of XXXX to present date, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

In closing, the conduct set forth above constitutes false statements to the CFPB by XXXX and PHH in response to complaint number XXXX in violation of 18 U.S.C. 1001, mail fraud in violation of 18 U.S.C. 1341 and continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the U.S. District Court for  the District of Columbia on XX/XX/XXXX in Case No. XXXX and Case No. XXXX on 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 explanation
Consumer complaint received 2020-10-26
Company: TD BANK US HOLDING COMPANY
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: Information is missing that should be on the report

Complaint:
I have never missed payments with TD AUTO FINANCE YET THEY NEVER REPORT ON TIME PAYMENTS LIKE THEY SHOULD. THIS IS RIDICULOUS CONSIDERING THE AMOUNT OF INTEREST THEY CHARGE. I WILL BE TAKING MY BUSINESS ELSEWHERE AND DOING A REFI

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
The LATE PAYMENTS reporting by this company is inaccurate and lack any certificated proof by physical evidence to include, account audits, balances, dates, and any other data formatted reporting standards. Under the FCRA and FDCPA and my state laws these inaccurate LATE PAYMENTS reporting have not been lawfully validated with verifiable physical proof therefore are not in compliance with federal laws. I demand any and all LATE PAYMENTS reporting on the following accounts be immediately updated to PAYS/PAID AS AGREED, NEVER LATE! Account # : XXXX and Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit reports shows I owe a debt of {$5000.00} and XXXX ( Account Number # XXXX and XXXX ) I repeatedly disputed this claim with Navy FCU several times via mail over the past 5 years, this is not my debt and someone opened a fraud account in my name. I have never signed a contract. Never received any paperwork from Navy FCU debt is belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX  XXXX Balance : {$6300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My house was in foreclosure then my garage burned down in XXXX 2016, I communicated to bank M & T that I wanted to pay mortgage off instead of rebuilding garage. For several months I have been trying to pay off. First a wire was sent they held for four days then sent back. Then I overnighted a bank check as per instructions and they sent that back. I re-overnighted the check and they have had it since XXXX XXXX and told me they would email attorney and cancel sherrif sale. Thank god I went to court because they disd not. As of today they cant locate check and payoff still not completed. How many other consumers are dealing with this at M & T.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling my work phone from a debt that was charged off in XXXX. It is now XXXX. Repeatedly calling my cell phone and work phone from several local area codes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: Paypal Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX XXXX someone open a PayPal account In my name which doesnt belong to me Ive called and explained to this come over the last XXXX this is not my account and it was never opened by my they stated that because it has my address its my account when I spoke with a representative they stated that the email were not the same but the house address matches so they trying make me responsable for paying the account of {$670.00} in which I have no problem paying if this were my account so Im reach out to have someone help me clear my name of the identity theft that has been created by someone else thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: NY
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 appears that my credit file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. I research, and I found that under section 605b of the FCRA Credit bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX Balance- ; XXXX XXXXXXXX Balance ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$130.00} If Experian, XXXX, and XXXX feel there is a possibility these itemsbelong to me I will require all documentation that bears my signature ( another research item I found that requires to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-03-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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