BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-07
Company: WESTERN UNION COMPANY, THE
State: MI
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Western Union sent me XXXX letters dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX ( I did not act on this until this week because I was out of the country for 4 months ) saying that they made a mistake and wanted to refund my transfer fee on a specific transaction ( {$12.00}, {$15.00} & {$12.00} { for a total of {$39.00} }, corresponding to the above letter dates ). They did not enclose a check but said that " You may generally pick-up your refund at any Western Union agent location in your area ''. Monday XXXX XXXX I went to a 'full service ' agent ( XXXX, XXXX XXXX XXXX , XXXX XXXX, MI XXXX ). They took my letters, went to their computers and after much time said that they could not find any information about this matter. The only way they could help me is by calling Western Union. I said, " You are busy, I will stand here and call Western Union myself. '' I did so and spend a total of 26 minutes on the telephone. After a long initial hold period, I did speak to a customer service representative who knew nothing about the matter but went off-line twice for long periods of time. After the second time off-line she came back on and excitedly told me that she now knew which department I needed to talk to. She quickly transferred my call at which point I was on hold again. After 5 or 6 minutes more on hold and, as noted above, 26 minutes total elapsed time after Western Union first picked up my call, I gave up and disconnected the call. This whole process strikes me as a blatant attempt on the part of Western Union to avoid refunding monies that I am due. The {$39.00} is 'de minimis ' to my financial well being. But, how many other people and how much money is Western Union trying to avoid dealing with ; trying to avoid fulfilling their obligations?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for a Best Buy Credit Card ( XXXX ) a couple months ago and have gotten approved for it, after a while, I found out that it was closed. When I called they transferred me to the fraud security dept. They stated that they received information that this account was Identity theft, when I told them that I was not aware of this nor did I call about this, they further stated that they received the information from " XXXX '' via a dispute. I called XXXX and ask for an explanation and they stated they have no record of contacting CITI Best Buy Card regarding this. I then contacted back the CITI fraud dept. to let them know of XXXX 's Statement. They advised me that there is nothing they can do to reopen the account and that I need to apply for a new account if I want a Best Buy Card. 

I applied for Best Buy Card in the store and got approved for it ( XXXX ), when I got the card in the mail and tried to activate it, the call automaically connected to CITI Early Warning and they stated that the card is closed. 

This matter happened to me twice, there need to be accountability for this incident as no customer should go through this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian refuses to allow me to dispute inaccurate information on my credit report. This is violating my right to dispute inaccurate information according to the Fair Credit Report Act. Any information regarding my credit report claims I can not dispute this because I already have!! Yet the information is inaccurate. My name is XXXX XXXX not XXXX XXXX, a XXXX bank account has inaccurate information : XXXX BANKAddress : XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Account XXXX .... 


I have a right to dispute inaccurate information!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a loan with Bank of America. I 'm self employed so my income varies each month. Over the summer, I fell behind in my payments but was always in contact with the bank. I knew during the fall I would be able to catch the payments back up again and submitted for a loan modification. I could 've asked for a forbearance but I was never advised nor was I told I told a letter of intent was supposedly sent. I open and still have every piece of mail during this time never did I receive an intent to foreclose or notice that my property was in foreclosure. In XXXX I received a call from a Bank of America representative stating my property was in foreclosure. I know there is a process where I 'm allowed to be heard in court. I did not receive any notice from court or the bank. My modification was submitted in XXXX. I kept in close contact with my representative an even told him I could now send in a few payments. He told me the bank would n't receive them at this time. I can only pay the full amount plus interest and attorney fees. On XXXX XXXX the Bank of America representative called me and told me my loan was denied because they could n't find a program for me. I know that Bank of America just settled a law suit for doing this kind of thing to home owners. I am a single mother who 's divorced and really want to keep my kids in the only home they know. I asked the representative if I could do a forebearance or put the payments or some of them on the back of the loan he said no since I 'm in foreclosure and putting the payments towards the back is a loan modification which I do n't qualify for. I asked how can I not qualify now when I just qualified earlier this year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i recieved my XXXX report by mail dated XX/XX/XXXX and it was not updated to dispute status after i sent a letter that north american received on XX/XX/XXXX. I look at my updated report on XXXX from XXXX and its showing a back date of XX/XX/XXXX but my hard copy i recieved directly from XXXX says they did not update since XX/XX/XXXX. Im not sure how they fraudulently updated my report to show status of XX/XX/XXXX when a week XX/XX/XXXX on my XXXX hard copy says XX/XX/XXXX. i will be contacting a attorney because i have my prior complaints and my current credit report and also my report from XX/XX/XXXX. What north american is doing is against the fcra. I will attach a copy of my XXXX report hard copy dated XX/XX/XXXX. They did not update to disputed in the 30 days as required by law and are doing fraudulent things with my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account Name Account Type Account Marks Past Due Reported On ] XXXX Other Loan Late 120 Days {$0.00} XXXX XXXX, XXXX This debt was discharged in BK XX/XX/XXXX and also property went to short sale. Should not be on current 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 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
a derogatory payoff report for a debt owed to  XXXX   XXXX  reported by  XXXX   XXXX  is on my credit report but it is a debt incurred and paid off by my father for a service he signed up for at his address in Fla. I have nothing to do with this debt but because we share the same name it has somehow ended up on my report but the credit reporting agency listing it has refused to remove it from my 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 2015-11-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX is on my credit report 1 ) without an amount. I never had internet for 2014. XXXX billed for internet. I had XXXX for phone. I have history of records, payments, etc. I have paid in full but it is on my credit. I was late with small payment but should not have owed that anyway due to no internet for the year 2014.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: LEXISNEXIS
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX XXXX and XXXX XXXX is on my Credit report and i want her OFF, she even had a different social security number. I want her off now! She has really XXXX up my credit check and is invading my security. this has been since the year 2000. I tried getting her off before but know one has taken care of this ugg.. my home # is XXXX my email is XXXXXXXXXXXX my home # XXXX. Let me know what else I can do to get her off. she has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is my second complaint submitted on this property regarding Ocwen Loan Servicing. Please refer to XXXX attachments that provide a history of my experience. This is my second attempt having requested a Deed in Lieu on my property at XXXX XXXX XXXX XXXX in XXXX, NY. Despite weekly calls since XXXX 2015, this process is still not resolved. On my call today with Ocwen, I was informed by my relationship manager, XXXX XXXX, that my Deed in Lieu was denied due to the property evaluation being ordered but not completed because of lack of access to the property. I do not live in this property and have not had access to this property for almost four years. Ocwen 's Property Preservation Program is the only entity that has access and it was noted several times in my case file for the evaluator to contact them for access. The process has been stalled numerous times over the past several months due to things such as Ocwen not paying their attorneys fees and its relevant departments and contractors not communicating with each other. I was told that I was in the final stages of my Deed in Lieu process being complete until today. Now I am being told that I may have to start the process all over again through circumstances completely beyond my control. I need someone to review all case notes on this file through Ocwen and assist me with bringing this four year process to a close.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX. I have had issues with Shellpoint Mtg Services over the past 3 years. They were formerly Resurgent Mtg Services under New Penn Financial. On XXXX XXXX a Reconveyance/Release of Mortgage was recorded in my name by a XXXX XXXX company hired by Shellpoint. I was told it was true and no further action was required. In XXXX, 2016, Shellpoint called me and asked me where was my payment. I told them that I received the Reconveyance/ Release of Mortgage. They stated that they did not know anything about this. I contacted my reps at HUD locally and CA. Oversight Dept, and did receive any official support from them. I later received a notice from Shellpoint that it was an " Error '' on their part, and to reapply for a new loan modification because of the missed payments due to their error. Attached is my response due to their error of negligence, misrepresentation, breach of contract, breach of fiduciary relationship. At present, I do not have money for a lawyer. I am hoping that Shellpoint can be looked at for their bad financial practices. 
Thank you for your prompt attention on this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
my information was used in a data breach this account is not my account and needs to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX SUPERIOR COURT DOES NOT HELP RESOLVING THIS ISSUE. I 'VE TRIED SEVERAL TIMES IN THE PAST YEAR AND A JUDGEMENT REMAINS ON MY CREDIT REPORT ERRONEOUSLY. XXXX XXXX IS THE NAME OF INDIVIDUAL THAT PLACED THIS ON MY REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU The piece of information that is wrong that is showing is the name 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 2016-09-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Invalid notation of a XXXX account alleged debt on my Experian Credit Report. I have no accounts with XXXX XXXX XXXX now and did not in XXXX. 
The report notes a credit line. I never had a credit line with XXXX XXXX XXXX. The credit report notes that the delinquency was first reported in XXXX. All of the information contained in the credit report is FALSE.

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 2016-12-09
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
On XXXX XXXX, 2016 Discover Credit Card received and acknowledged receipt of {$1100.00} total balance payment for my credit card account which card 's identification number I changed after I complained about XXXX fraudulent charge made to my account which have since been credited to my account. However, my account balance payment of {$1100.00} has not been credited to my current account and past due charges have been levied on my account # XXXX : {$27.00} and XXXX. Here is a copy of my current account status and balance : XXXX. Take notice that my current balance does not account for my payment of {$1100.00} received by Discover Credit on XXXX XXXX, 2016. I have called Discover customer service on XXXX XXXX and again on XXXX XXXX, 2016 and was told that they would investigate but did not assure me I would be credited the payment I made to the same account which I had requested due to the XXXX fraudulent changes to my account which they acknowledge. 
All parties I spoke with including the fraud department were indifferent to my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are addresses that do n't belong to me and it is fraud. I never lived at these addresses and I want these addresses removed from my credit reports which are as follows. 
XXXX, XXXX XXXX XXXX, reported XX/XX/2016 XXXX, XXXX XXXX XXXX, reported XX/XX/2016 XXXX XXXX XXXX XXXX, XXXX, reported XX/XX/2016 I have previously requested for these address and old information of previous address to be removed from my credit report the following address below XXXX, XXXX XXXX XXXX I also request that all previous telephone numbers be removed the only telephone number that I want to be listed on my file is 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 2015-04-11
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an account XXXX a collection account. I 've never had an individual XXXX account. XXXX has never validated this debt. I 've never seen the original credit application. I have a XXXX account however it 's joint with my wife and its current.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX/XXXX/15, my credit report was pulled by a company called " XXXX XXXX '', this firm pulled my report both from XXXX and Experian. This company is listed under " Mortgage Reporters ''. I have not applied for any credit on or about this date and have not authorized any firm to retrieve my credit report on or around this date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed .Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible .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 2015-08-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an account with XXXX/XXXX. File # XXXX/ XXXX/XXXX. XXXX offered a settlement agreement for {$230.00} which I accepted. XXXX reported same as paid as agreed, XXXX balance per attached. XXXX and XXXX removed the item in it 's entirety from my credit reports. Experian refuses to show a XXXX balance or remove line item, although I have provided proof of same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My car was repossessed at XXXX on XXXX XXXX, 2015. I was explained that I had 21 days to redeem the vehicle. I paid the bank the past due amount today but they have shipped my car to auction in XXXX XXXX, XXXX hours from where I live. Now my husband and I have to miss an entire day of work to pick up the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Since XXXX/XXXX/2015 I have attempted to pull my Experian credit report to no avail. When I go to XXXX to pull a copy of my credit file, I recieve a message stating that I have already obtained my credit report within the allowed time and directs me to experian.com. The prompts direct me to buy my FICO score and credit report. I bought the seven day plan for {$1.00}. This is not the type of report I am looking for. I have a few problems here : 1. ) I do not want to buy my FICO score, I only want my credit file. 2. ) The format is not consumer friendly ( i.e. everything is in boxes and will not provide the payment history with dates e.g. date of last payment & date of first delinquency ). Without this information how am I to understand what needs improvement. 3. ) When I call their number ( XXXX ) and explain what it is that I need ... I am told that " I need to call Experian the credit reporting agency '' because I am speaking to Experian online Direct and they are not the same company. They have no way of providing me with my " credit file ''. According to the last rep I spoke to a regular credit report is called a " credit file ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief