BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-19
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX, 2016 I initiated a money transfer from my XXXX XXXX XXXX checking account through Western Union 's instructions using Bill Pay in the amount of {$200.00} ( {$190.00} to my receiver and {$5.00} Transaction Fee ). On XXXX XXXX, 2016 I called Western Union and was stated that the transfer was cleared for the receiver ( my cousin ) in XXXX, XXXX. I was told on XXXX XXXX through email from my cousin that Western Union has put a hold on the transaction due to my cousin 's name being similar to a sanctions list used by Western Union. I have complying with Western Union 's request on information regarding the receiver, however, Western Union has locked up the transaction and is unwilling to cancel the transaction. I have spent endless hours on the phone trying to resolve this issue, however, I keep getting channeled to different call centers and departments that span the XXXX, XXXX XXXX, and XXXX. I have requested many times to be transferred to a US based call center or receive a call from a Western Union representative but have yet to receive any call and/or phone number. I am quite frustrated and need assistance to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fact, CHRYSLER CAPITAL is willfully in violation of FAIR DEBT COLLECTIONS PRACTICES ACT VIOLATIONS pursuant to 15 U.S.C. 1692a.

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692b ( ( 2 ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692b ( ( 5 ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692c ( ( a ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692c ( ( b ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692d ( ( 2 ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692d ( ( 5 ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692e ( 2 ).

Fact, CHRYSLER CAPITAL is willfully in violation of 15 U.S.C. 1692e ( ( 12 ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692j ( ( a ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692j ( ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: PA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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 2016-10-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX transferred my mortgage to SPS ( Select Portfolio Servicing ). when the transferred what on process SPS sent a letter stating that they will honored all the payment, escrow account etc. However, the first thing they did they recalculated my escrow projection account increasing my payment in XXXX dollars even though the taxes this year in XXXX XXXX count went down XXXX dollars and my Insurance went down XXXX dollars. I contacted them requesting for me paying my taxes and insurance but I have n't received ant replied from them. Second that all the way they are reporting XXXX and XXXX made my score goes down XXXX points. 
I have sent letter and faxed as well but it seems like they are ignoring my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
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:
I have made several attempts to have accounts that were due to identity theft deleted with resistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have made several attempts to have accounts that were due to identity theft deleted with resistance.

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 2021-07-26
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Called in told them I wanted account closed the guy closed my savings but not the checking. It stayed open. They charged me XXXX dollars in overdraft fees over 3 months and then closed the account refused to refund the fees and I owe the bank XXXX dollars after all the fees are refunded. They rearranged transactiosm to charge more fees. Have proof. And want this fixed

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 2021-07-26
Company: Early Warning Services, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone called me on XX/XX/29 and pretended to be a XXXX customer service, who alleged that she could help me to fix my account. She asked me to install a software XXXX ( if I remember correctly ) to control my computer. And then she kept taking out money out of my bank accounts and saying this is for verification and would give the money back to me. She also helped fix my XXXX bank account. 

Luckily two days later I realized this was a scam. I called the two banks to stop my payments. The XXXX bank could stop the payment in time but it was too late for the XXXX account. I'm now in the process of disputing with the two banks and have got most of my money back. 

But for the {$500.00} through zelle in XXXX, I failed to get it back. The XXXX bank considered the money was authorized to pay but the fact is because my computer was totally controlled by the hacker.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: JPMORGAN CHASE & CO.
State: FL
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:
Early in the morning on Friday XXXX the XXXX I was a victim of identity theft. 
My last 2 transactions were at XXXX am for XXXX at XXXX XXXX and one for XXXX dollars at a local chase branch at XXXX am. 
When I woke up at XXXX I realized my debit cards were missing so I checked my app and realized there were XXXX unauthorized transactions on my account for a total of XXXX dollars. 
Chase initially gave me a temporary credit, but as off a week ago they revoked my funds and stated that there was a discrepancy on my behalf that there was a charge after the time of my cards gone missing that I didnt dispute which is false because that transaction was done before my cards were nissing the transaction of XXXX was at XXXX am. 
XXXX is bullying me and refusing to answer my questions and stated that there disission is final. 
Yet they did not even do a thorough investigation because they didn't even verify the cameras. 
Chase is bullying me and is using me as a scapegoat. 
Here is my Police Report # XXXX Please help solve this terrible. situation. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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: Personal information incorrect

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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Lien placed on my residence when debt is not mine. Person who the debt belongs to has same last name and same last XXXX of SSN, however different first name and middle initial than mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We sold our house in XXXX, 2021 and there was an escrow balance of {$3000.00} that we should receive, before we changed our address a check was sent to the address of the property that was sold. We talked to the mortgage company ( Guaranteed Rate ) and changed our address and then called back again to request a new check ( they would not take both the requests at the same time ) then they told us to wait 30days to call back to request a new check. We waited and called back on XX/XX/2021 and the representative we spoke with said they would issue a new check to the right address and it would take 10 business days. As we have not receive the check even after 20 days, we called back again in XX/XX/2021 and the representative is telling us that it can take 30 to 60 days to process this request and there is nothing they can do and would not provide any form of request ID or number. Especially during times like this ( Covid ) it is very hard to not have your own money to use for expenses and these big corporations are taking so long to return our money. Their estimated time of when we will get our money is XXXX - almost 4 months after the loan was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Money was transferred from our account using an unauthorized XXXX app, which we do not have, to person that we do not know. It is clearly a foreign name. Six transactions occurred in 39 minutes. One {$5.00} transaction and five {$99.00} transactions. I saw the transactions and reported them to Wells Fargo within 24 hours, stating that I did not make these transactions. They immediately shut down our account. They said they would investigate these transactions and let us know if they felt they were fraudulent or not. 

My husband and I are XXXX and XXXX years old. We basically use this Wells Fargo account for monthly drafts. We don't even know what a XXXX app is! We have our life insurance, long term care policy, and supplemental insurance drafted from this account. It is so evident to see that this is fraud. 

These transactions occurred on XX/XX/2021. On XX/XX/2021, we received a letter from Wells Fargo stating that they had completed their investigation, and that they found we made the transactions. We are in disbelief. Wells Fargo has done nothing to protect us.

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 2021-07-26
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission that was notarized. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with or their affiliates west the are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. Now they sent me another letter saying for me to send in and dispute it in 30 day when i have proof i already did. let this complain service as proof in court that i tired multiple times to resolve this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I bought something online threw XXXX they offered a store card threw Snychrony Bank. I never received the card or a statement. They reported me as late. And charged me a late fee. Not only am I trying to purchase a house it lower my score over 50 pts so I am unable to go threw buying the house. After speaking with them they removed the late fee but I need them to change that I was never late.

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 2021-07-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
.On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A man named XXXX from a company called National Credit Adjusters has called me to report a delinquent account on behalf of XXXX XXXX XXXX as an attempt to collect an alleged debt. I 've never applied for a payday loan, so I called XXXX and they have no record of me or an account in my name. I attempted to call XXXX back and continued to get voicemail. He later called me back from a different number in a different city than the previous call. I 'm sending a DN to the company. I highly suspect this is a fraudulent company. The original number he called from was XXXX and then XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: PLATINUM HOME MORTGAGE CORPORATION
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Several Employees at Platinum Home Mortgage XXXX XXXX for purposes of a competitive advantage have put up hundreds of horrible untrue links that disparage me and other people that I work with. I spoke with the attorney for platinum and he told me that he would not be able to help me. These are horribly false complaints by his company 's employees that have hurt me both personally and financially. 
The company and XXXX of their loan officers and management teams including their NMLS number are included in the links : XXXX XXXX XXXX The XXXX. 
XXXX XXXX NMLS XXXX is a disgruntled former employee who works for Platinum and runs a completely non-compliant website, XXXX for Platimun Home Mortgage XXXX. I ca n't prove that he 's behind this so I wo n't accuse him. However XXXX of his team XXXX XXXX is obviously involved based on the links I 'll provide to you on google. XXXX also a Platinum Home Mortgage NMLS XXXX employee does his programming also has a website, doctorsfundinggroup.com that directly links to all of the XXXX consumer sites. I do not want to file this but Platinum left me no choice. I ca n't take these things down. Only they or their employees can.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
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: Their investigation did not fix an error on your report

Complaint:
XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I find no titles here that address my problem with Equifax and XXXX credit reporting offices. I have no idea how they determined that by me using my credit card, that it should effect my credit score by a negative XXXX when usage should have absolutely NO bearing on my score. 
Credit scoring was to be on how well we pay our debts, NOT when and how much we spend and by using what method we used for a payment method. Our spending habits are NONE of those credit reporting offices business! 
My credit score was up in the XXXX area, plus or minus XXXX or XXXX points but since I used our credit card to make a couple of purchases, I am being punished for such activity! 
I find this Highly irritating as I have a percentage factor of 100 percent relating to On Time Payments and bill payoffs. 
What gives these credit reporting offices the legal right to punish consumers for using their Good Credit?? 
I wish to submit a formal complaint against these XXXX offices for Discrimination against such consumers as myself as they, in my opinion are violating my consumer Rights and creating an embarrassing situation for me when someone checks my credit score. 
These credit reporting offices are changing their policies on how and what they use to discredit honest, bill paying citizens and should be investigated based on their biased and discriminatory activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2020, Wells Fargo stole {$380.00} from my 401K 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 2020-03-28
Company: F.H. Cann & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
They took 3 years of Federal refund away from me. Would like my money back!! Even this year with all of Corono Virus going on. I have no job! They are crooks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
On a cruise to XXXX we went to Diamonds International and purchased some jewelry. To sweeten the deal we were offered a 12 month interest free credit line for about XXXX. I paid more than the monthly payment due and never late. I just got my bill and I only had a XXXX balance originally but it showed new balance of XXXX. It put a 28 % rate on and over XXXX in back interest. I called and was told too bad, the promotion expired and I was supposed to pay it off by the 12 months. I was not told I had to pay that balance by 12 months or I could be charged 28 % plus all the interest. Where their numbers came from does n't make sense

Company response to consumer: Closed with explanation