BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Today, XX/XX/2019 we used a service on our Wells Fargo app called XXXX. We used it to attempt to buy concert tickets for {$150.00}. We foolishly believed it to be safe because it was offered through our own bank and was offered on the app as a safe and secure way to send money. Immediately after sending the money the person offering the tickets dissappeared. At this point we looked in to XXXX online and discovered the multitude of scams. We called Wells Fargo and filed a claim but they said there really isnt anything they can do because we authorized the transaction. We tried to talk to XXXX and they said there is nothing they can do. I understand if we cant get our money back, but I find it shocking that they say there is nothing that they can do. I would think that they would want to try to track down the scammers and shut down their accounts. They didnt even bother to take down any information. If the scammers are allowed to continue to do this with impunity, it will just keep happening to unsuspecting victims. I dont understand why they wouldnt want to try to put a stop to this type of activity. Additionally, as a service that is provided through my financial institution and is touted as safe and secure I would think that my bank would want to make every possible effort to try to put an end to scams. They should definitely make it more clear that there is absolutely no protection, but additionally, they should actively try to peruse action against the perpetrators of these crimes.

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 2020-07-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today I was called by the fraud department at fifth third by a woman named XXXX. She said that if I didnt show that I had a small business within 15 days, theyd close my account in 35 days. I told her that I got the deposit to the same account I got my taxes and that my small business was not a banking concern. We ended the call and then, when I went to look at my account I saw that my balance was - $ XXXX dollars. I called the same number that called me and I was told there was a freeze on my account that XXXX NEVER told me about. I went to the branch and I had to wait for a banker and two women lectured me about the sba grants and how I would be in trouble. Neither of these women know me personally or have access to my tax records. This is not the first time Ive had an issue so I decided to leave this bank. I had an incident at XXXX time where my grandpa wrote me a check and I tried to deposit it at an atm. I was sent a letter an email stating that their vendor said the check could not be deposited. I had to wait almost 2 weeks and I was told by numerous people that was a normal wait time for a check deposit at an atm. Im so over fifth third, they are terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Account was frozen around XX/XX/2023. I was called by fraudulent dept. telling me that my debit card was used in Georgia. I never been to Georgia in my life. I needed to pay rent with the money in my checking account and I couldnt because Wells Fargo froze my account. Which caused a financial hardship because I was charged late fees for my rent and Wells Fargo refused to release my funds until the XXXX of XXXX Wells Fargo didnt care about the late fees accruing from my rent and told me that I am responsible for the late fees that were accumulated. This is not good customer service or good business practice. I should be compensated for my hardship that was caused by XXXX XXXX negligence to release my funds and still investigate what happened.

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 2021-06-02
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX bill collection from XXXX continues to be changed to other collection accounts such as XXXX XXXX XXXX who has changed the date multiple times. This debt was originally disputed and removed by Equifax and XXXX but still reappears as another collection. The newest date shows XXXX which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I started the loan assumption process in XXXX of 2023. I filled out all the paperwork that they required and mailed it. I followed up a couple weeks later because I had not heard anything. They told me that they had lost the paperwork. I then found out I could email the paperwork instead of mailing it so I did that XX/XX/XXXX. Neither I nor the assumer has gotten any communication from Mr Cooper. I have called every single week and all they say is that it is in the funding stage and they should be reaching out to the assumer. The assumer has not been contacted by Mr Cooper by mail or phone or email. I tried to get a manager to call my XXXX and they said the latest I would get a call back is XX/XX/2023. I have not received any callback on this. I have tried everything I can do but they wont give me any real updates and they wont give me a point of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
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 ( FCRA ) -- > XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2020-07-30
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The months of XXXX and XXXX ; I continuously found myself in the negative with several overdraft fees after checking my bank statements at the end of the day, only to wake up the next morning to the forementioned occurences. On XX/XX/2020 I ended my daily transactions with a balance of {$170.00}. I went to the PNC Bank on XXXX XXXX XXXX  at approximately XXXX and withdrew {$70.00} leaving my balance at XXXX. The next day I had a negative balance of {$79.00}. I called the bank to complain and received the same spiel as always with no logical explanation as to how my money disappeared. I then told the rep. to check my ATM transaction. She confirmed my available balance, withdrawal and decided she wanted to escalate a claim because it didn't make sense. Until this day no one has called me regarding the matter. I have several attachments of screenshots of my transactions in real time because the dates and balances change as transaction are posted. I also noticed they are processing the transaction out of order and shuffling them around making it look like I am making transaction when I don't have money in my account to cover them, resulting in negatives and overdraft fees by the time I wake up the next day. Please view attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: TX
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 the following Accounts : has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments Current, was past due 90 days XXXX XXXX 4 late payments Current, was past due 120 days XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments XXXX XXXX XXXX XXXXXXXX 2 late payments XXXX XXXX XXXX XXXXXXXX 2 late payments XXXX XXXX  XXXX 1 late payment XXXX XXXX XXXXXXXX XXXX 4 late payments XXXX XXXXXXXX 1 late payment XXXX  XXXX 2 late payments XXXX5 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 Section 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
I got a deposit from VA lottery on XX/XX/2021 for {$170.00} to my XXXX XXXX card and it settled on XX/XX/2021 but the money never posted to my account. For the past month and more I have been trying to get my money. I called XXXX today and was hung up on several times. One time I talked to a girl and she said where she see the money came but never posted and she would reach out to VA lottery to get some info from them. She told me she would call me back within and hour, several hours passed so I called back and a manager told me no one would tell me they would call me back and that the VA lottery tried to deposit the money from an ATM before he hung up on me. I continuously called back and never got anyone with XXXX to find my money so now its come to this because its sounding like fraud. I called VA lottery ( XXXX, opt. 1 ) and talked to the supervisor XXXX XXXX because he now knows me because Ive called him continuously for over a month because I thought they never sent it. Comes out to be XXXX fault all the way around and they had me thinking it was VA lottery. VA lottery provide screenshots of the money they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCY DISCHARDED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
This is my third 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXXXXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2016 was sold to a collection company from XXXX XXXX XXXX, it was with XXXX XXXX XXXX for 3-4 years prior to that, I ditched cellular service to XXXX and XXXX   was paid in full by XXXX to move my device, and they where repaid by me the full amount about 7 years ago ... disputed credit report with XXXX   and removed after investigation, XXXX refuses to remove the negetive mark from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: DE
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:
Information on fraudulent accounts coming acknowledge verified. With no proper proof of person they spoke to during the initial investigation. They never sent me the response on the accounts put in dispute. They also disregarded my right to this information, pursuant 15 usc 168b I never gave them consent to furnish information to my report. Furthermore the information is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: Merchants Financial Guardian, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a fraudulent debt collection letter from XXXX XXXX, owner of Merchants Financial Guardian , Inc. ( XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX / XXXX XXXX XXXX, XXXX, CA XXXX / ( XXXX ) XXXX. XXXX XXXX apparently found my address online and assumed I was the " XXXX XXXX '' who used to work for the debtor 's company : XXXX XXXX XXXX XXXX ( There are approx. XXXX " XXXX XXXX '' in XXXX California and I believe this collector has send all of them the same letter- which is illegal ). This is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits a debt collector from informing third parties of a consumers debt. I have worked for the XXXX XXXX XXXX XXXX as a XXXX XXXX for the past XXXX XXXX and have never worked for XXXX XXXX XXXX XXXX. I researched the debtors corporation and there is an agent for service in XXXX XXXX. The creditor is XXXX XXXX XXXX XXXX XXXX, and I have never heard of this corporation either. The collections letter is demanding I pay {$55000.00}. I am sending a letter to XXXX XXXX, the debt collector, informing him of his mistake - by certified mail to both his physical address and his post office box. I discovered by my research that the owner of the debtors corporation ( XXXX XXXX XXXX XXXX ), XXXX XXXX, is deceased and his widow received the same collections letter. I spoke to XXXX XXXX XXXX and she confirmed that a " XXXX XXXX '' used to work for her deceased husband but that HE doesn't owe this debt. In fact, the XXXX XXXX didn't believe SHE owes this debt either. I have checked with XXXX, XXXX, and XXXX and XXXX XXXX has not taken any action against my credit report... yet. I want XXXX XXXX to be aware of his violations and that he be held to account for his actions. He clearly doesn't understand how to LEGALLY collect debts. 

XXXX XXXX of Merchants Financial Guardian , Inc. has violated the following sections of the Fair Debt Collection Practices Act : 15 USC 1692b 804 ( 2 ) ; 15 USC 1692c 805 ( a ) ( b ) ; 15 USC 1692e 807 ( 5 )

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: NPS GROUP
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company named NPS has constantly called my resident reference to a collection for someone else, that we do not know or has had this phone number in the last 10 years. We have repeatedly asked to have our phone number removed from their data base without success. They just keep calling.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We were supposed to get an escrow refund check in XXXX or XXXX. At first I thought I might have thrown it away as we appeared to never have gotten it. We requested it another we were very cautious to make sure we didnt throw any mail carelessly but never received the second. I then asked if it could be sent electronically. They gave me instructions on how to enroll however it didnt work. According to them there is a known website issue. So then I requested it be sent via a service that could be tracked. They said it would be here Friday XX/XX/2021. I asked for the tracking info and they indicated on XXXX it has not been sent yet. I believe PennyMac is acting in bad faith and trying not to provide me our escrow refund.

Company response to consumer: Closed with explanation