BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-26
Company: Navient Solutions, LLC.
State: MS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navient withdrew 3 payments XX/XX/2022 from my checking account. I called spoke to XXXX who promised it would be corrected. They made an unauthorized loan request to consolidate loans that are not proven to belong to me. I have disputed, filed XXXX, tried to reason with discrepancy without being successful. Started paying on their website which takes money from my check account without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 {$4900.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

-- INSTALLMENT LOAN -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2022-03-15
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX of this year my XXXX was acting funny. Slow, freezing skipping screens, etc. I called XXXX XXXX to find out if they could help or perhaps do an update to my phone. There were no updates available and suggested my phone possibly has been hacked. They recommended changing my XXXX ID password, which I did so promptly. 
I then looked at my online banking app and discovered all my money was now missing except for XXXX cents. I then called my bank ( Wells Fargo ) and notified them that there has been a possible hack on my XXXX and my banking app shows my account emptied. I asked if this could be a banking error. Wells Fargo informed me that they will close my account and will be checking into the issue. I never heard back from Wells Fargo at all. Within the next day I discovered my XXXX XXXX card had also been hacked. Multiple gift cards were purchased fraudulently. Unlike Wells Fargo, XXXX XXXX was a great help in this matter and successfully removed all fraudulent charges I. 
Approximately four days later I called Wells Fargo because I still had not heard back from them. They informed me nothing has been done about this and my account still remains with only XXXX cents in it. Approximately two days later I still has not heard back from Wells Fargo so again I called to find out what, if anything had been done. After being transferred 8 times that day I was finally informed still nothing had been done to my account. I explained I have been patiently waiting on my funds to be refunded to my account and to receive my new debit card in the mail. I was informed me there was not even an order for a new debit card to be sent to me. This made me very upset to say the least. A week later I finally received my new debit card. But still no returned funds in my account. To do this day Wells Fargo is doing nothing to protect my account or refund monies that they permitted someone to steal from my banking account 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 monetary relief
Consumer complaint received 2021-03-11
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:
XXXX XXXX XXXX  and Transunion should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.

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 2017-03-17
Company: M&T BANK CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My wife and I have a mortgage with M & T Bank. We are repeatedly being told we must go to our local branch to verify our personal information. We went over there in XX/XX/2016 and now we are being told we have to do it again. In close to 10 years with Hudson City Savings Bank, which they recently purchased, we have never missed a payment or been late. Our credit rating is exceptional and we have considerable amounts in our savings accounts. I believe that this is a thinly veiled attempt to get us into the branch to sell us additional products, which we are not interested in.

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 2016-08-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I completed a money transfer today XXXX/XXXX/2016 to XXXX and had been notified by the recipient that there is no record of the transfer. After tracking on the website it states that there is no record of the transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing statement

Complaint:
I made a {$20000.00} payment on my Citi XXXX AAvantage card. It was a direct transfer from my checking account. WITHOUT TELLING ME they placed a 15 day hold on this payment and then denied charges because I was over my credit line. I had to talk to XXXX people and the bank to prove that they had the money ON THE DAY I PAID IT. Basically they collected interest on this money for 9 days. I was able to force them to acknowledge that, and to correct their error. But the the first person tried to tell me I had to wait 15 days, which is ridiculous because those transfers are relatively instantaneous.

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 2020-10-02
Company: Experian Information Solutions Inc.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE NEVER BEEN UPDATED THAT THESE ACCOUNTS WAS REMOVED

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have notified Transunion that someone stole my identity and has been trying to open accounts in my name. A few months ago, I sent a police report explaining what happened. Again, I have fraud information on my report. Please review the attached documents and delete this fraud information from my report. 


ELOAN/BPPR/AVANT 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 non-monetary relief
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed the record reflecting a chapter XXXX bankruptcy that is over 5 years old last month with Experian and XXXX  XXXX Docket # XXXX ) however XXXX XXXX states that according to federal law they can report Voluntary Dismissed Bankruptcys. My case was not a voluntary dismissal, the Court that deemed my bankruptcy " ineligible '' due to me not having enough debt and my purpose for the bankruptcy was to deal with fraud and identity theft issues that I was a victim of. I was young and did not know any better so the courts signed an order to dismiss the case because they deemed me ineligible for the chapter XXXX. Therefore according to XXXX  previous statement in response to my previous dispute, " it is XXXX policy to report discharged or voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. '' My case was not a voluntary dismissal. Please see attached court order. 
Please remove this from my record it has caused me to be held back long enough and I did not know to even fight for myself. 
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 2022-03-15
Company: EQUIFAX, INC.
State: SC
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, the following accounts have violated my rights : -XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX -US DEPT ED Account # XXXX XXXX -US DEPT ED Account # : XXXX -USDOEXXXX Account # : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE NEVER BEEN UPDATED THAT THESE ACCOUNTS WAS REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: CA
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened XX/XX/ 2017 Balance {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have two credit cards for Capital One. The first one was opened XX/XX/XXXX and the second one was XX/XX/XXXX. My account was restricted so I called the credit card company today XX/XX/XXXX. They said that " I entered the wrong social security on an account ( they can not elaborate as to when or what account ) '' so now they are requiring me to submit a copy of my social security number and government-issued ID. My question is this, after almost 8 years of having credit with them, is it safe or even lawful to demand a copy of my social security or a government-issued ID for one incident? I do not even know when or when this happened? If the credit card company is concerned about identity theft, I had to check myself on my XXXX account and there is no such incident. So why are they harassing me for this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
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: Account information incorrect

Complaint:
XXXX ; Experian and XXXX should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.

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 2022-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One gave me a settlement offer in the amount of XXXX that was paid on XXXX/XXXX/22. This account is reporting negatively from all 3 bureaus. I want this removed from all 3 credit bureaus. XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX, I applied to Ocwen Loan Servicing for a loan modification in order to lower my 6 % mortgage rate. They refused to give me a lower interest rate, but did reduce my {$85.00} a month mortgage payment because my income went down after going on Social Security. 
Beginning with the " XXXX month trial period '' in XXXX, Ocwen started bombarding me with delinquency notices and threatening letters. I have made all payments and have been assured that these delinquency letters are " automatically generated '' during a loan modification and will stop once the modification is finalized. The modification was finalized XX/XX/XXXX, but the delinquency notices have ramped-up to an alarming rate. For example, during the month of XXXX I received XXXX DELINQUENCY NOTICES. See attached. 
Every time I call their customer service number to sort this out I get a different answer .... During my last conversation with customer rep XXXX XXXX on XXXX XXXX, she admitted that Ocwen made a mistake on the modification and it has to be redone. I do n't know how much longer I can take the harassment from this company. I feel like I am being systematically tortured and nobody in the company is able to fix the problem. Did I mention that during the month of XXXX I received XXXX delinquency notices? See attachments. 
Here 's what rankles me the most because it is so unequitable. They screwed up my loan modification and have put me through XXXX and they get off scot free. I was late making XXXX payment XX/XX/XXXX XXXX the XXXX and only time I have ever been late ) and my credit score dropped from XXXX to XXXX. I would be forever grateful if you could put some pressure on the company to ( 1 ) FIX THE PROBLEM, and ( 2 ) Restore my credit ratingas a good-faith gesture to re-pay me for the numerous mistakes they have made and the untold number of delinquency notices they have sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
information unverifable

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 2020-10-02
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX 2019 I went to pnc Bank located in XXXX XXXX mo on XXXX  XXXX XXXX  XXXX. To dispute unauthorized transactions totalling approx 60,000 dollars and instead was wrongfully accused and arrested charged with terrorist threat and then bank closed my account without ever concerning themselves with why I was at bank such day..and my issue is the bank will not resolve these unauthorized charges and wire transferred totally 60 something thousand dollars.. and i need help. Please help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Other financial service
Sub-product: Money order
Issue: Customer service/Customer relations

Complaint:
I purchased a MoneyGram money order # XXXX for {$450.00} at Walmart in XXXX NJ and gave to my landlord who lost the money order and requested a replacement money. I paid {$15.00} to MoneyGram and requested a " replacement '' money order and they sent me check XXXX for {$450.00}. i tried to cash this money order at XXXX different check cashing businesses in New Jersey and none of them can cash. I went XXXX to a Walmart store who provides check cashing services and was advised the industry standard check cashing scanner can not read the check, the numbers are up too high on the check. I reported to Moneygram and they sent me another replacement check # XXXX on XXXX/XXXX/2015, another check that can not be read ny industry standard check scanning equipment. I have filed a complaint XXXX. I have asked MoneyGram to send my refund via money transfer to my local Walmart store via where they can provide me with a reference number and i can go into the store and pick up my {$450.00}, they are stating they only process refunds via check. That would be fine if I could cash the check and obtain my money which I am not able to do with their document. This process has been going back and forth for 30 days now and this is ridiculous. Moneygram is not trying to assist me with obtaining my money by sending me refund checks I can not cash. The numbers are way too high on the document and can not be read. Not even moneygram distributing retailers wo n't touch this check

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My name is on a debt with a collection that is not mine. I never signed anything to be responsible for this medical bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-14
Company: TMX Finance LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
One of the employees from debt collection company has contacted me four-time from his personal cell phone to make a payment the first two times i have asked for him not to contact me from his cell phone. He lied and told me it was his company landline I called it back and receive a cell phone voicemail. also looked the number up in the white pages.

Company response to consumer: Closed with explanation