BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX credit card, XXXX XXXX XXXX ) XXXX XXXX XXXX, Well 's Fargo Bank and XXXX XXXX XXXX XXXX have all neglected to follow the correct step 's and procedure 's to prevent and stop fraud. I have a security freeze and fraud alert on my credit report and not 1 bank take 's the necessary step 's to confirm my identity or to report suspicious activity that I spot.

My checking account at Well 's Fargo Bank should be reported for fradulent activity. Every department has lied to me about procedure 's that should be taken after a report/error is made and also about how transacation 's are posted and deducted from my account balance. My negative balane is incorrect as well as my entire account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I I got a hard inquiry from JPMorgan Chase that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am a co-signer on a student loan for my ex-wife. Navient is the student loan processing company. When my ex-wife exceeds the payment due date ( always paid within the same month as required submittal ),  Navient starts robocalling my home phone. I can get up to 5 or 6 calls a day on my home phone until payment has been processed. I've heard horror stories about Navient. Not only do they harass the XXXX out of account holders ; when payment is received, it can take up to 10 days for them to process and post. During this time, they will continue to robocall. I've requested in the past to deal with me via USPS and quit calling. My next step is to pursue this matter legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made a purchase of a smartphone which I never received. I had used PayPal to make that purchase just in case things went wrong because they have a buyer protection program. The merchant used USPS to have the package delivered. They supposedly delivered the package to my freight forwarding service on a day that they were not open, XX/XX/. That was the information reflected on the USPS tracking website, but the freight forwarding company could not have possibly received this package if they were closed. At first, I had attempted to get a resolution from the seller themselves, however they simply cast blame on the freight forwarding service. Then I created a dispute on PayPal. I even went as far as having verifiable representatives of USPS send me written notice that the package was mishandled and misdelivered. PayPal was attached to the email for visibility into everything. However, PayPal called the customer service number for USPS which is simply reps from other countries contracted to provide customer service, to verify the authenticity of the letter. I would know having been one of these reps myself. We usually do not have access to information about delivery scans so we will always tell you exactly what is shown on the website. Since the PayPal escalations handler, XXXX, was attached to the email thread that included the letter, they could have simply collected the direct number and extension of the USPS Manager of the XXXX XXXX, XXXX XXXX, to verify the letter. And now I am left with no satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This company has failed to respond to my numerous request as to the fraudulent account that is reporting to my credit report. I have been contacting the company asking for an investigation as described in the Federal Fair Credit Reporting Act!! I dont want any favors I dont want anyone to go out of their way I want them to do their jobs the ones they voluntarily applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
1. USAA is attempting to enforce a lien on a debt that they accelerated and cancelled. They are actively foreclosing on my home on the cancelled debt. I submitted a complaint to the CFPB, and they asked for 60 days to investigate. My home would be foreclosed by the end of that 60 days, so they are dual tracking which is not in compliance with the DOJ. 

2. They transferred the servicing of this loan to XXXX, giving the impression that they are the primary lien holder and giving the impression that the debt is valid. I submitted another complaint on both XXXX and USAA for this action for trying to collect a cancelled debt. My court date for the foreclosure is still set for XX/XX/XXXX, while both servicers still contend to the CFPB that they need time to investigate my complaints. Once again, I am in jeopardy of losing my home before that time expires. 

3. XXXX has just attempted a practice that you just recently imposed a $ XXXX for. They have threatened to impose forced place insurance on my home, add that expense to the canceled debt which is not valid, and I have an active and current policy. 

I have uploaded XXXX letter, a copy of my policy, and a statement showing that my policy is current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received letter from XXXX XXXX informing that the my mortgage new loan servicer is Rushmore Loan Management, XXXX, California. Letter from Rushmore states that XXXX XXXX XXXX is the new loaner creditor, and Rushmore is the servicer. A second letter from Rushmore states that XXXX XXXX is the loan creditor. Red flag on Rushmore for not knowing who is loan creditor. Also, amounts of loan on Rushmore letter were incorrect. This is a second red flag with Rushmore. I reached out to call XXXX XXXX over the phone and at a location. XXXX XXXX said loan balance shows XXXX and could not view any amounts of loan. Why is the second letter from Rushmore stating XXXX XXXX is the loan creditor if XXXX XXXX is showing XXXX  balance? Rushmore is showing too many inconsistencies. I have no choice I have to send my payment to Rushmore as XXXX XXXX could not accept payment with loan showing XXXX  balance. My complaint is with both companies, Rushmore for too many inconsistencies with loan amount and not knowing loan creditor, and XXXX XXXX for not reaching out to me with other options than having Rushmore service the loan. XXXX XXXX gave me 2 weeks notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: IN
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 personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 non-monetary relief
Consumer complaint received 2023-05-08
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
Unable to access my account online ( mobile phone ) since XX/XX/2023. Had a XXXX card with XXXX. Apparently XXXX was taken over by Wells Fargo. 
I had no choice in this. 
I was told by Wells Fargo that I can activate my Wells Fargo Master Card on XX/XX/2023 which I did and the credit is working However, I put the Wells Fargo app on my phone but cant access my account. After SEVERAL phone calls and speaking to Several different people and getting different responses why I cant access my online account ( like my phone number didnt transfer ) Im extremely frustrated and anxious about not being able to see my account. I need to be able to access my account. I havent been able to see it since XX/XX/2023. Please help me get this sorted out. Thank you. 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 explanation
Consumer complaint received 2022-05-21
Company: JPMORGAN CHASE & CO.
State: PA
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 disputed a credit card charge on my account over a month ago. They have told me more than three times now that this would have been taken care of by this point in time. The charge is for XXXX XXXX and XXXX XXXX for {$190.00} on XX/XX/XXXX. I called my credit card company ( Chase ) about this dispute four days later, after I had already tried reaching out to the merchant to resolve the issue. It is now XX/XX/XXXX and they keep telling me it is being taken care of. This should have been finished three times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Experian Information Solutions 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:
The credit file belongs to the consumer not the credit bureaus, and all the information therein. They do not have the right to decide whether or not to dispute it. I have tried sever times over the course of a couple years to dispute the wrong information that is contained in my report and they just flat out refuse, and say its erroneous. This is not right.!! plus all three companies should be uniform and held to the same standard so there is n't misinformation and so many different scores out there. I am tired of fighting with theses people about my credit 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 2023-09-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting 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 XXXX XXXX, has violating 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 consumer reporting agency can not furnished 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX Wells Fargo Bank charged off my account due to the negative balance status. I have been XXXX and experiencing hardships since XX/XX/XXXX due to the Covid-19 pandemic. 

On XX/XX/XXXX Wells Fargo Bank submitted information to XXXX XXXX and XXXX XXXX claiming that my account was closed due to Account Abuse. I never abused my Wells Fargo Bank account - I was experiencing long term XXXX, XXXX and a total loss of my income as a result. I filed a claims related to a {$400.00} charge that appeared on my account. I followed Wells Fargo policies and procedures for filing a claim and they refused to investigate it as they stated their policies did not allow them to investigate claims related to peer to peer financial transactions. 

On XX/XX/XXXX, I attempted to open two checking accounts - XXXX Bank, and XXXX Bank and was denied a checking account based on the information reported by Wells Fargo Bank to XXXX XXXX and XXXX XXXX. 

Wells Fargo Bank 's errors has caused adverse actions to be taken against me ; I was denied two checking account opportunities and the opportunity to establish a new relationship with another financial institution. Wells Fargo Banks ' actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

Finally, I believe Wells Fargo Bank 's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law. Wells Fargo 's action against me violated my rights under the Fair Credit and Reporting Act because they willfully and intentionally reported erroneous information that has caused other financial institutions to make adverse decisions against me. This matter has prevented me from moving forward with securing a checking account with a major bank.

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 2023-03-01
Company: EQUIFAX, INC.
State: AR
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:
My husband and I have files several disputes with XXXX, Equifax, XXXX, and XXXX, about inaccurate information on my credit report. The first time XXXX was reporting all the negative payment history and refused to include the positive payment history. After trying to dispute that, XXXX started placing IN REPOSSESSION for each month for 3 years after the car was repossessed. We sent in another dispute, XXXX, Equifax and XXXX reported the same inaccurate information. We tried to fix the problem by calling XXXX to report the inaccurate information. XXXX told us, they wasn't fixing anything, because everything they sent to the credit bureaus is correct until 2026. We explained that the account cant be still open, if we don't have the car. We also let him know, reporting IN REPOSSESSION for years on our account is not fair. He replied, it is what it is and that is what they will continue to report every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-05-08
Company: BTH Management
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: Information belongs to someone else

Complaint:
Received a statement in mail indicating XXXX XXXX XXXX XXXX XXXX is trying to collect a debt that is not mine. In checking my credit file I found that they have reported it as a collection and has caused my credit score to go down drastically. The statement is dated XX/XX/2023 and states the original creditor is XXXX XXXX. The current creditor is Plaza Services LLC Client Account Number is XXXX Reference # is XXXX Pin # XXXX Balance Due is {$220.00} Discount offer is {$160.00}. When I phoned XXXX XXXX XXXX XXXX on XX/XX/2023 I spoke to XXXX XXXX at XXXXXXXX XXXX for 7 minutes. He indicated that he was unable to send me the documents that pertain to this collection since I was not willing to give him my Social Security Number and Date of Birth. I gave him all the information on the statement received and told he should be be able to pull up the information from that and send me the information for me to turn over to the proper authorities for prosecution. I asked for the contract for the pay advance loan, the payroll check used for this, the place the transaction took place and the account the funds went into. I informed him this is a fraudulent account and I at no time had obtained a pay advance loan and did not receive any money. When I asked to speak to supervisor, he stated there was not a supervisor there and I would have to call back the next day. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report account number XXXX in the amount of {$220.00}. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If they are unable to verify the account with the original contract, the information should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I entered into a settlement agreement with XXXX XXXX XXXXXXXX regarding Account # XXXX for a balance they claimed I owed them. This settlement agreement resolved all claims against me and any claims I had against XXXX XXXX XXXXXXXX. 

On XX/XX/XXXX XXXX XXXX XXXXXXXX submitted information to XXXX XXXX  and Chex Systems claiming that my account was closed due to Checking Account Fraud. They also reported that the account as of XX/XX/XXXX was unpaid. 

On XX/XX/XXXX, I attempted to open two checking accounts - XXXX XXXX, and XXXX Bank and was denied a checking account based on the information reported by XXXX XXXX XXXXXXXX to XXXX XXXX and Chex Systems. 

XXXX XXXX XXXXXXXX is no longer acting in good faith or under the terms and conditions of the Settlement Agreement we finalized on XX/XX/XXXX. 

XXXX XXXX XXXXXXXX 's errors has caused me adverse actions ; I was denied two checking account opportunities and the opportunity to establish a new relationship with another financial institution. XXXX XXXX XXXXXXXX 's actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

XXXX XXXX XXXXXXXX never provided me the opportunity to engage their claims that my account was considered checking account fraud. I never committed checking account fraud. I used the account for personal purchases. 

Finally, I believe XXXX XXXX XXXXXXXX 's actions toward me are malicious, deliberate, and well defined against XXXX XXXX  consumers who seek to pursue justice in a court of law and their actions violates my rights under the Fair Credit Reporting Act

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 2023-01-16
Company: Experian Information Solutions 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 was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to XXXX XXXX XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX  also said they can't find anything on this account. Please 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 explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Late payments are being reported on my consumer reports, although I was never late. According to the Cares/Heroes Act effective XXXX preventative measures were supposed to be taken to keep my credit scores from being ruined by preventing adverse information from being added to my consumer reports, and preventing credit score furnishers from creating and/or implementing new credit scoring models that would lower my existing consumer credit scores during the Covid-19 pandemic. This information has defamed my character, because it is derogatory and causing me mental anguish, sleepless nights, and preventing me from obtaining credit. please see attachments

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