BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am having several issues with both TransUnion and XXXX. I 'll detail my concerns for both in XXXX separate complaints. My biggest concern is with TransUnion. First, and most importantly, TransUnion has inaccurate information on my credit report. I have a creditor that was discharged under chapter XXXX bankruptcy that still shows repeatedly under " open collections ''. Not only is this creditor listed under open collections when it should n't be, but the same debt from them shows multiple times, under multiple lines, insinuating there was more debt owed to them than there actually was. These appear as derogatory marks on my credit report. My second concern is that my attempts to resolve this with them has been unsuccessful. For four years now I have been unable to login, create an account, view my annual free report, file a dispute, etc. I am totally and completely unable to do absolutely anything with TransUnion. I have attempted to file a dispute both online through their secure website, and over the phone with a representative, and have been unable to do either. Every year when I login through the annual credit report website, I 'm only ever able to view and save my Equifax report. I receive varying error messages from TransUnion, ranging from " we ca n't process your request at this time '', to " the information provided does n't match our records '' to " We are experiencing technical difficulties and can not process your request at this time '', etc. This happens every single year and it 's been atleast 4 years since I 've been able to access this information from TransUnion. Last year their site said I had already accessed my free report, and that was n't true. I attempted to resolve that issue last year and they absolutely refused to help me, despite my repeated attempts. It got to the point where I gave up. I want to have this creditor removed from the open collections section of my credit report. I also want my rights to my free report restored, and I want them to have their IT department figure out why I ca n't create an account. I also want the XXXX XXXX XXXX hard inquiry removed from my report as I did not authorize this inquiry. If I were able to actually complete a dispute with them I would notate this on the dispute myself. I feel my rights are being taken away by this company and I 've been trying for years to resolve it to no avail. I need to be able to dispute any inaccurate information that is negativity effecting my credit score. This company seems to have no sympathy for my situation, and TransUnion has been downright combative in resolving it. I 've already disputed this particular creditor with XXXX, as they actually make it easy and I 've never had any issues with them. Please help!

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 2016-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are XXXX negative reports on my Transunion credit report, name of the collection agency is XXXX XXXX. There are XXXX accounts in collections, XXXX for {$1100.00} and XXXX for {$520.00}. I disputed both reports and the final result dated XXXX XXXX 2016 was that both accounts have been verified and will stay on my credit report. That ca n't possibly be true because I received a letter from the original creditor, XXXX XXXX XXXX XXXX indicating my account has been satisfied dated XXXX XXXX 2016. I attached a copy of the letter for your review, kindly update my credit 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 2022-05-13
Company: Paypal Holdings, Inc
State: MD
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:
I made on-line purchase of TV on XXXX XXXXXXXX XXXX Since the vendorXXXX XXXX, is not well-known, I choose pay it through the Paypal ( Transaction ID : XXXX ). Once the payment was made, I had bad feeling because no confirmation or schedule delivery email was received. I contacted Paypal to cancel the payment but was told the transaction is not ineligible purchase protection. 

There is no warming or option of selecting such protection when I made purchase. I made purchase based on assumption of big company like Paypal would block fraud. 

As of today, no any response from XXXX and contact email. The seller didn't make any attempt to deliver the goods. It is a fraud and swindler. I tried to alert the Paypal. Its response is that the case is closed. 

I would like bring your attention to Paypal covered swindlers and am wondering how many victims out there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2009 I had an IRS tax lien. Tax lien now paid in full.

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 2015-08-07
Company: ALLY FINANCIAL INC.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I tried to open a online savings bank account with Ally Bank with my Individual Taxpayer identification Number and after a phone call follow up i was asked for a image of my social security card. I informed the customer representative that I did not have a social security card, that all i had was my Individual Taxpayer Identification number and she proceeded to inform me that it was not possible to to open my savings bank account with only my Individual Taxpayer Identification number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: VA
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 15 U.S code 1692 C. Communication in connection with debt collection with the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, debt collector may not communicate with a consumer in connection with the collection of any debt. At any unusual time or place known or which should be known to be inconvenient to the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
This complaint is a follow up to Complaint Number XXXX that I previously filed against American Express Serve. Immediately after filing the first complaint with the CFPB I received an email by Amex Serve that my dispute was declined. The email states : Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was autfhorized. Therefore the transaction ( s ) is not eligible for credit to your Account.

No explanation was provided. I believe the decision to decline my dispute was to retaliate against me for filing a complaint with the CFPB, and was not made based on any evidence.

I took all the necessary step associated with disputing fraudulent charges : I immediately reported my Serve card as stolen and informed Customer Service the XXXX XXXX transaction for {$79.00} was unauthorized and was made by the suspects who stole my card. 
I filed a police report with XXXXPD. 
I filed a dispute with Serve, and submitted the declaration of fraud in a timely manner. 
I informed Serve that XXXX had video surveillance footage of the suspects making the unauthorized purchase that their investigators could request. 
Yet my dispute was declined without an explanation and no credit was issued for the unauthorized charge to my account, which strongly suggests that Serves decision was retaliatory in its nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo sold my mortgage without me and my wife knowing it, I never received a servicing transfer notice, I began receiving letters from lawyers stating my home was up for foreclosure with XXXX XXXX XXXX, this is how we found out that our loan was transfered, I began seeking counsel, my home until today is up for foreclosure, My lawyer have petitioned sheriff sales and now found out that XXXX sold my home in a sheriff sale back to Wells Fargo, after it was petitioned but still was sending me foreclosure notices after the suppose to be sale date after I have been making several attempts to petition the sheriff sale, we spent several thousands of dollars paying lawyers. Wells fargo have not given us a chance to do a modification they are not out to help the lender, it has been 5 years and now they are telling me it is to late to save my home when I did not even know they sold it..unbelievable

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Phoenix Asset Group LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XX/XX/2022 - I have disputed this " debt '' in writing, and over the phone with XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX ( XXXX ). I have repeatedly asked him not to contact anyone other than myself, and he calls other family members leaving harassing voicemails on their phones. This is for a fraudulent payday loan company that I have never had any contact with, yet this person continues to harass me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$6300.00}, {$4900.00}, {$7800.00}, {$0.00}, {$1400.00}, {$0.00}, {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- PERSONAL ACCOUNT 7. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.

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 2021-11-16
Company: Global Lending Services LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I noticed an unauthorized inquiry on my consumer report and according to FCRA legally these unverified and unauthorized items must be removed. I never gave you permissible permission to report without my consent and I never consent anything 15USC1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
To whom it may concern : I complained to Wells Fargo Bank that I did not receive the service, amenities and destinations that I purchased from XXXX. For this reason, I was disputing the transaction. 

I have received a letter from Wells Fargo bank that my claim # XXXX has been closed. 
On XXXX XXXX, 2016 I emailed Wells Fargo as well as mailed them a letter that the letter they mailed to me stating they closed my claim must be a mistake because they are addressing different concerns in that letter, that do not pertain to my case. 
On XXXX XXXX, 2016 I called to find out if Wells Fargo received my response / concern. Also, I requested the copies of merchants response to the inquiry / my claim. Instead I received the general contract from XXXX that could be printed out from their website or if you call XXXX and ask for the general contract. I received copies from my emails that I sent to Wells Fargo and my charges. In XXXX word, nothing of what I requested. 
On XXXX XXXX, 2016 I called and asked to speak with the manager and was told that XXXX XXXX will be calling me back within 48 hours, however no one called me back. 

I believe Wells Fargo should have a protocol they follow and it was not followed in my case. I have a dispute where I am looking to get my money back and instead Wells Fargo addressing some other issues and not what I am disputing. 
Please look into my situation and address my concerns. 

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 2022-07-21
Company: WELLS FARGO & COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I experienced wire fraud ( in the form of a spoofed email appearing to be from my real estate attorney ) during the closing of our new home. A wire ( for approximately {$280000.00} ) was sent from our bank account at XXXX to Wells Fargo where it was flagged as potential fraud ( wire beneficiary name did not match the receiving account name ). Without confirmation or verification from me, both banks released the funds and WF then allowed those funds to be withdrawn. Investigations at both banks claimed that they were not at fault and each blamed each other for the wrongdoing. I feel that both banks have failed in their responsibilities, not only in protecting their clients assets but in following the law. XXXX claims to have investigated and found they weren't at fault. Wells Fargo claims that they can rely on XXXX Article XXXX to absolve them of their responsibility because it governs automated wires. Unfortunately because Wells Fargo flagged the potential fraud to XXXX, this wire was not fully automated and human intervention was required, negating their shield of the XXXX. 

I believe that Wells Fargo is culpable for opening a fraudulent account to receive these funds. So either they didn't follow bank protocols to regulate ( employing XXXX, XXXX and proper due diligence requirements ) or it was an inside job. I'd like a full investigation as to what happened. 

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 2019-12-12
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Today I was called 7 times starting at XXXX the most recent call being at XXXX from 3 different numbers claiming to be Navient. The phone numbers being used are XXXX & XXXX. 7 times a day from different numbers seems excessive. Especially since Navient gets auto payments from me twice weekly. There are no messages left.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: CITIBANK, N.A.
State: NV
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:
I have been a Citi XXXX client since XXXX. I hired XXXX XXXX XXXX to install the flooring in my house. After paying the full amount of credit card payment of {$2400.00}, at the same day I received an email with an increase of almost double prices. I was so upset to cancel the work and called the credit card company right away to stop the payment going through but the staff told me that it had to wait for the payment going through to be disputed. During the disputed process, payment credit back to my account shortly but one month later on XX/XX/XXXX REVERSED..I also filed a complaint on Nevada State  Contractors Board .The .investigation officer helped me to call the Citi credit card company told them thats the fraud money with people taking someone money without work run away. The Citi credit card company never returned back the money even I had been calling many many times and left the voicemail nothing returned to call .. That reason the case had been keeping delay by now still never 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 2017-05-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Wells fargo p romoted a {$250.00} cash bonus for opening a new account. I heard of scams about new accounts with them before, but this blatant  one  was alarming. After repeated calls as to why my bonus hasnt posted, I was told it was because they are waiting for a  XXXX  from me. They sent it to me in beginning of  XXXX . I sent it right back. I was also promised over the phone alternate information : All i needed to do is make  10  purchase with check card by  XXXX   XXXX  ( no mention of  XXXX  form needed at all! ). For good measure, I decided to mail them back the  XXXX  regardlless. It was not until the    XXXX   XXXX   XXXX   th at they confirmed they received the  XXXX . After writing to them about where the cash bonus is, I received a reply on the    XXXX   XXXX   XXXX   fr om "  XXXX  '' that they finally " received '' the  XXXX  form and the bonus should post in  3-5 bu siness days! I followed up on the    XXXX   XXXX   XXXX   a s to the whereabouts of the bonus, in which I was told that, sorry, I will not be getting it and I was lied to by their reps!! I am outraged. I feel I was lured into opening a new account and the {$250.00} requirements were purposely miscommunicated as part of their scheme. A bank as big as big  as Wells Fargo can  not mislead their customers repeatedly ( over messages and over the phone ) as part of their game to have people open accounts with them. I demand the {$250.00} bonus at once.

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 monetary relief
Consumer complaint received 2023-01-19
Company: HOME BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
HI Starting this as new complaint but I believe it ties in with my initial complaint still in progress. 
I have reason to believe my bank is trolling my account based on XXXX XXXX  and having just turned XXXX XXXX XXXX XXXX and I must not have the abilities to handle my transactions. 
XXXX XXXX sent me an email about a counter deposit ( s ) now turned debit. Though transpired days apart.

Can they be brought upon criminal charges as we are not acquaintances, nor did I leave anyone in charge of personal banking issue and I am sure the bank itself has more than 3 employees to settle the daily transactions, as this branch holds only three employees when I go in. ( please read attached email ) I made some deposits as I was monitoring my debtors habits myself so I would make my cash deposits to make sure daily activities would post as paid. Hopefully you understand that. Also because of the unknown debits by XXXX, and protect web as cited in my previous complaint. They both have the same non working contact number, et having reported it to my bank for investigation, I receive an email an debit to my recent deposits. 
I just seems extra attention and criminal to my account. Debit a deposit?? I've never caught that ... plus an email? 
Thanks for your help. 
XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief