BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-05
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX Financial Aid, sent letters to XXXX Experian and XXXX XXXX on before XXXX XXXX, 2016 instructing the removal of the defaulted loan negative trade lines. So far, this has been ignored.

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 2017-03-21
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland Funding did not provide adequate verification for debt in question. No documents were provided showing a contract or signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-09
Company: M&T BANK CORPORATION
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
WE SEND ( XXXX ) ACCEPTANCE FOR VALUE AS A REMEDY FOR SET-OFF OR DISCHARGE OR PAYMENT AS ANINSTRUMENT TO PAY THE MORTGAGE. EXEMPT FROM LEVY AND CHARGE THE SAME TO OUR NAMES. XXXX ORDER / DATE/USING OUR EXEMPTION IDENTIFICATION NUMBER. I IT WAS MAILED VIA CERTIFIED MAIL WITH RETURN RECEIPTS. IT WAS DONE USING OUR CHARGING SHEET. WE HAVE RECEIVED THE RETURN RECEIPT SINGED. XX/XX/XXXX WE MAILED. THE BANK/OR MORTGAGE CO. RESPONDED WITH THEIR LETTER AND WE RESPONDED TOO ALONG WITH OUR LETTERS THE WE RETURNED THEIR LETTER USING THE WORDS ACROSS IN DIAGONAL WAY : XX/XX/XXXX HOUSE JOINT RESOLUTION XXXX NEXT LINE IS BANKRUPTCY COURT OBSTRUCTION PROCEDURES, BELOW IS ; OF ADMINISTRATION DEPARTMENT AGENCY OFFICIALS..ALONG WITH OUR PETITION CERTIFIED/REGISTERED FILED STAMP AT ATTY. GENERAL AND IN THE BUREAU OF CONVEYANCE ALONG WITH OUR AFFIDAVITS. THE BANK DID NOT REBUT THE AFFIDAVIT BUT CONTINUE TO SEND LETTERS WITH THEIR OWN OPINIONS..WE ARE FILING XXXXLIENS ON OUR PROPERTY ALONG WITH OUR PETITIONS..TO THIS DATE THEY REFER OUR LOANS TO HOMEOWNER 'S ASSISTANCE CENTER TO THEM WE ARE IN DEFAULT PAYMENT. THAT MEANS THE BANK DID NOT BALANCE THEIR BOOKS THE DEPOSIT ( XXXX ) THAT WAS OFFERED AS A GIFT TO SET-OFF MORTGAGE BALANCE.THE TEL.NO. IS XXXX -- XXXX THE LAST LETTER WE RECEIVED. SO WE WANT CFPB TO INVESTIGATE THIS MATTER .AND WE WANT TO DISPUTE ANY NEGATIVE REPORTS FOUND ON OUR CREDIT REPORTS BUREAU 'S : XXXX XXXX ; XXXX XXXX EQUIFAX XXXX OUR FICO SCORE WILL BE AFFECTED TOO.IF ANYTHING FOUND AND REPORTED. ( I AM STILL REQUESTING MY CREDIT REPORT AT THE BUREAU ). WE HAVE THE RIGHTS TO BE PROTECTED AS CONSUMER, WE HAD FOLLOW THE LAW XXXX- XXXX LIENS THAT A REMEDY IS AVAILABLE BY LAW. ALSO, IF ANY WHO VIOLATES THE LAW WILL BE PUNISHED UNDER TITLE XXXX SECTION XXXX IS A COPYRIGHT INFRINGEMENT FOR USING OUR NAMES TO PROMOTE BUSINESS WITHOUT OUR CONSENT/PERMISSION.UNDER ARTICLE XXXX XXXX XXXX XXXX A HUMAN RIGHTS VIOLATION/ XXXX XXXX AND WILL FACE LIFE IMPRISONMENT OR DEATH SENTENCE IF FOUND GUILTY. HOPE CAN FIND HELP HERE. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: WELLS FARGO & COMPANY
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:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

WFDS XXXXXXXX Date Opened : XX/XX/2012 Balance : {$0.00}.

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 2019-12-04
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:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

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 2022-08-31
Company: KEYCORP
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is in relation to a previous complaint regarding a payable upon death document on my fathers checking and savings accounts with Key Bank in XXXX Maine. As the personal representative of my dads estate I went into the bank on Friday XX/XX/XXXX to receive my portion of my dads account. I was told by the bank representative XXXX XXXX that I was not listed as a beneficiary, that my sister is the sole beneficiary. In a previous response to a complaint that I filed with you a representative from the banks presidents office acknowledged that my sister and I are both designated on the payable upon death document. See complaint # XXXX. The response went further and stated I would need to go into the bank to sign a form and I would be issued a check for half the money in each account. The bank has yet to produce the payable upon death document for me to see. And now the bank refuses to give me my half of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CCS Financial Services, Inc.
State: PA
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:
Credit bureaus fail to provide me with proper validation of a alleged account on my consumer report..CCS Collection violated my rights pursuant to 15 us 1692g by not providing me with the five requirements that is needed to validate a alleged debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, 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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX - XXXX Account Number : 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 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 2022-05-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, according to the Wells Fargo process to receive the Escrow funds, I would need to provide a copy of the Divorce Decree and any documents stating I have ownership of the property. I have provided all the documents including a signed statement notarized from the now ex-spouse stating he is not entitled to any money from the said property. I reached out to a local Wells Fargo bank and the branch manager XXXX sent the fax directly to the Mortgage Correspondence department. Less than two weeks, I discovered the check was sent to the ex-spouse due to him calling and changing the address of the documents. The check was stopped and reissued and mailed to my property address with both parties ' names. I understood the check would come in that manner since the documents sent would take time to process. I contacted WellsFargo customer service on XX/XX/2022, discovering the documents were not received although I had received a fax cover sheet with a successful receipt of the XXXX pages. Again I resubmitted the documents from the same branch with a second successful submission. I reached out to Wells Fargo on XX/XX/XXXX to discover again the document was not received although the fax cover page stated the transmission was a success. I figured out this time, but talking with XXXX who is a representative of WellsFargo, XXXX, and XXXX XXXX ( Supervisor of XXXX ) I can resubmit via email provided by XXXX. The email was not a correct email which I verified with XXXX XXXX prior to hanging up the phone on XX/XX/XXXX. On XX/XX/XXXX, I was informed that the documents I faxed via my cellphone were in fact received and it would take 45 days to process the XXXX check, which is not in compliance with the regulator laws. My closing took place with Wells Fargo on XX/XX/2022, and it is now XX/XX/2022. According to the regulation, Wells Fargo has 15 business days to process the refund. I am unable to get any responses if the bank will comply. I have been assigned a case number however, the number means nothing when the group responsible is unavailable..Wells Fargo does not take the regulatory process seriously and will need to be held accountable for the lack of processing within the timeline.

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 2015-06-01
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX/XXXX/2015 I transferred {$650.00} dollars via MoneyGram to a recipient in XXXX. The intended recipient 's name is XXXX XXXX XXXX. He 's my uncle. The Reference Number for the transaction as appeared on the transfer receipt is XXXX. MoneyGram charged me a fee of {$14.00} for the transaction. 

When the intended recipient went to the bank in XXXX to receive the fee he was initially told the Reference Number was incorrect. He called me from XXXX and I confirmed for him that the number was indeed correct. Due to the time difference he could n't go back to the bank. When he went to the bank the following morning, he was told the money had been paid out to somebody else. He called me and I immediately notified MoneyGram. MoneyGram claims to be investigating this fraud, but they rather seem to be facilitating the fraud. I have called MoneyGram XXXX times. Each time MoneyGram Reps put me on hold for at least XXXX minutes and then they disconnect the call. This morning MoneyGram put me on hold, XXXX for XXXX minutes, and then for XXXX minutes. MoneyGram has taken absolutely no steps to investigate this matter. XXXX days after this fraud happened, MoneyGram does not have proof of payment. If that is not facilitating fraud, I do n't know what is. I believe that MoneyGram is stalling, hoping that I 'll go away. 
My name is XXXX XXXX. My address is XXXX XXXX XXXX, # XXXX, XXXX, MA XXXX. My day time telephone number is XXXX. I need MoneyGram to refund to me without further delay the entire {$660.00} I paid to MoneyGram for the transaction. 
Thank you.. 
.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: NY
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.

Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: PNC Bank N.A.
State: NJ
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 # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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: Was not notified of investigation status or results

Complaint:
I have disputed this account and have reached out to the XXXXompany/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-10-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX XXXX A XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Between XXXX/XXXX/XXXX and XXXX XXXX, I had several conversations with AES reps. On at least XXXX occasions, I was told by the reps not to worry if I went over 30 days late on my payments, since they were n't reporting until 60 days late. 

I am requesting the voice recordings for the period mentioned above be reviewed by a consumer advocate to confirm what I 'm saying is truthful, and I am motioning the removal of the 30 day late payment adverse credit reporting of XXXX XXXX be removed from my credit report. 

AES needs to take accountability for their statements to their clients. 

I had another similar experience with another lender, and CFPB had their consumer advocate review the lenders recording confirming my statements to have been true, thus reversing the negative credit reporting. 

As an XXXX, I have the public stake their lives on my integrity and the quality of my work. My co-signer is my brother, who is a XXXX, who puts his life in harms way to save others. 

All I 'm asking is for the basic decency and integrity from the lender, as to stand behind what their reps tell their borrowers, and take responsibility when they make a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
This is an issue with MoneyGram online service. 
I made a transfer of money to XXXX from USA, {$50.00}. Moneygram webpage informed me of a fee {$4.00}. if I use my credit card. 
When I received my bill from credit card, there was an additional fee of {$10.00}. 
When I called the bank they told me that MoneyGram coded the transaction as cash advance, and as such there should be a fee of {$10.00}. When I called MoneyGram, they read me a disclosure of a recent change in agreement between MoneyGram and Credit cards Association stating that the transactions between them will be charged as cash advance not as credit card transactions. Nowhere on their website there was a mentioning of that. I believe it is a breach of law. Because each ATM has a legal disclosure of a fee when I used my credit card as a a cash advance. MoneyGram must inform a customer of the fact that a credit card transaction will be billed as a cash advance with an additional fee. When I called the MoneyGram escalation department, they refused to acknowledge the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: CITIBANK, N.A.
State: OH
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 opened 2 disputes with Citi Card on XX/XX/2020. A hotel reservation was made for 2 rooms on XX/XX/2020 for an arrival date of XX/XX/2020. On XX/XX/2020 I inquired about canceling the reservation with XXXX. XXXX reached out to the hotel directly and told me that they agreed to refund the money without conditions. I realize that this is odd wording, but the official policy was that the merchant would keep the first night 's charge. I asked clarifying questions and the XXXX agent told me that the merchant had already started processing the refund and I'd receive it back in 48-72 hours. On XXXX, after XXXX told me I should, I opened a dispute with Citi Card. When I opened my dispute with Citi Card, I conferenced in a supervisor from XXXX who told the agent that the hotel had agreed to refund the full amount without conditions. Citi Card has this recorded call and has refused to provide it to me ( after agreeing to on XX/XX/2020 ) for a small claims case against XXXX. On XX/XX/2020 I was notified on Citi 's app that they found in favor of the merchant without any supporting documentation. On XX/XX/2020 Citi agreed to request an audio copy of my recording when I opened the case and the agent told me that I'd receive a call back from the investigator in 7-10 business days. This did not happen. I provided ample evidence ; all that could reasonably be available considering the case. All calls from XX/XX/2020 forward have been done on our business line due to built in call recording. The call from Citi on XX/XX/2020 is attached. Relevant information begins at XXXX. The agent agreed that the recording from XXXX exists and that they agreed that I would be issued a refund and that I could be provided a copy of that recording. On XXXX I received 2 letters from Citi explaining why they found in favor of the merchant. It said we were a no-show. I provided proof that we cancelled 3 days prior to the date of the reservation ( proof attached ). On XX/XX/2020 I was first made aware that Citi found in the merchants favor for a second time. I called and spoke to a representative that would not tell me why the 2 disputes had different statuses. He told me investigators do not have access to recordings. I asked to speak to a supervisor and said none were available and disconnected the call. I am disgusted at Citi 's handling of the entire process. Citi did not make a good faith effort to accurately or fairly resolve my complaint.

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 2021-03-23
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I mailed dispute letters to each of the three credit bureaus. I still not received a response from any of them. If 30 days is the limit they have to respond, they have clearly gone over. There are accounts on my report that are older than seven years and they need to be removed from my report.

Company response to consumer: Closed with explanation