BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
Company: WELLS FARGO & COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Hello, I have a purchase on my well Fargo credit card on XX/XX/2019, amount is {$47.00} this is fraud. I didn't make this purchase and don't know what is this. please tell them to fix it.

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 2023-11-27
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My wife transferred {$500.00} USD to my paypal account on Sunday XX/XX/2023 via an e-check. The ACH transaction cleared my wife 's bank account on Monday, XX/XX/XXXX deducting the full {$500.00} out. Today is XX/XX/2023 and paypal is still claiming the transaction hasn't clear even though I have proof it cleared on the XXXX. When I asked paypal to provide me with a disclaimer or terms and condition that stated it would take this long for my account to be credited on an e-check, they could not provide it. 

My concern is how many people is paypal doing this to ( holding funds after it's cleared the bank ) that benefits their interest ( interest revenue ) rather than processing these timely for the benefit of their customers? Why aren't they warning people about this in a disclaimer prior to accepting an e-check transfer?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Chrysler Capital is reporting my payments as late even though the lease was closed out and the balance is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
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:
I wanted to apply for credit and I was denied. They told me that there was some collections on my account so I went to check my credit and dowloaded my report. I saw some fraudulent accounts on my credit profile and found out that I was a victim of identity theft. I have been trying to contact these companies and the 3 bureaus XXXX, Transunion and XXXX and they have not removed the accounts. Today I have filed a identity theft report with the etc and I will be attaching the report to this online claim. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  need to be deleted 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 non-monetary relief
Consumer complaint received 2022-03-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took advantage of a deferment of my loan during Covid19 through my loan servicer, PHH. This was a very stressful time and I was happy to stop payments and start again later without it affecting my loan balance or credit. My loan balance was {$570000.00} when the deferment began. When I started paying again, it had risen to more than {$600000.00}! They assured me I had not been charged interest so I can not understand why my loan balance is now close to $ XXXX dollars higher! 

I wrote several times to get an explanation and also spoke to someone more than once. What I was told was they took the payments I had not made and put them at the end of my loan. The problem is that they also left those same payments at the beginning of my loan so I'm being charged twice. I asked for a detailed explanation and they just kept saying the same thing over and over which doesn't make sense to me. I can not imagine this is happening to a lot of people and no one is saying anything or concerned that what was supposed to be a lifeline is in truth an expensive anchor. 

This week, I tried to make an online payment for my mortgage as I always do and for some reason I have been blocked. There is no valid explanation why I am no longer able to make a normal payment as I do not have a pending payment. I have done it this way for years and this is the first time I've had this difficulty. At this point, I don't trust anything they say so I want things in writing. ( They told me in XXXX  XXXX XXXX owned my loan, but they do not ). Is this some sort of punishment for questioning their tactics? 

If I had known they would do this I would never have agreed to this deferment option. They did not disclose this is what was happening, they just let me know every month my payment had been deferred. When I looked up the word, deferment means you will pay later not that you will pay the same amount twice ; once now and once later. My expectation was that I would pick up with my loan balance of {$570000.00} where I left off in XX/XX/2020. 
I would continue paying and my timeframe to pay would be extended by the eighteen months that were deferred. 

I am uploading several copies of my mortgage statement at different times including before the deferment and after. I have also included the message I get when I try to make an online payment. 

So many horrible things happened to me during this pandemic. 

This must not be another tragedy on my pile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
This complaint is for Wells Fargo 401K Retirement Services. This company is the worst I have ever dealt with. A year ago they let me borrow against my 401K plan, they sent me the check and I did a mobile deposit to my XXXX  account. XXXX  gave me a provisional credit for the time being - the check was then stolen and XXXX  removed the credit from my account. I called Wells Fargo immediately and I filed a fraud case, I had to wait being that this had to escalate to a department where an investigation was done. After 90+ days the investigation was completed and came back that the check was in fact stolen and someone deposited into their Wells Fargo account. Mind you 2 different names and this bank decided to honor this check under someone else 's name. After this I called every other day I spoke with so many agent for an entire year! None which knew what to even tell me, " it seems like you are missing the affidavit. '' What a freaking joke i sent them 3 and over nighted them to Wells Fargo. This was on every XXXX call!!! we need another affidavit. 4 agents told me the refund was already on it's way, I spoke with so many Supervisors it's not even funny. Last they told me was that XXXX had to do a check reversal, I spoke with the Legal department in XXXX  they said " NO, '' since they never paid out the check and they were not the maker of the check. I NEED THIS ISSUE RESOLVED SOME ONE OUT THERE USED THIS MONEY AND IT WAS NOT ME. THIS IS {$2000.00} DOLLARS and to top it off they had the audacity to send me a 1099 form to claim it in my taxes. I have filed so many complaints with Wells Fargo and nothing has been done. 
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, NC XXXX ( 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 2023-11-20
Company: RIA FINANCIAL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Good Morning, on the XXXX of XXXX i transferred {$800.00} to a XXXX account in New York. THe account was provided to us by XXXX XXXX and a contract number XXXX was provided by XXXX XXXX. My XXXX XXXX account confirmed the transfer as well as XXXX confirming funds were received on the XXXX of XXXX. 
Despite this no money was transferred and I am continually receiving emails stating the funds have not been received despite confirmation from XXXX in an email that they have been received and that I should receive the wire transfer to my XXXX Account shortly. 
Multiple calls and conversations with XXXX XXXX can now no longer account for the funds. All conversations with them indicate that they will look into it however there has been no response other than that. 
Today on the XXXX of XXXX i contact XXXX to now be told that they dont have the funds despite confirmation that they have and that i have to take a screen shot of my bank details and send it to them as proof of payment. Obviously this is concerning as they have already confirmed they have received the funds. The funds have now not been paid as per their email and they can not locate them despite the contract number included on the referenced bank transaction. The money can not be accounted for so i am assuming there is fraud involved. Could you please help with this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Pacific Credit Exchange Corporation
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 reporting Credit act, this creditor has violated my rights. Under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604a Sec 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company 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 2022-11-03
Company: Experian Information Solutions Inc.
State: PA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USU 1681 Account Name : XXXX XXXX XXXX XXXXXXXX ; Account Name : XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Background : I currently have a credit card debt with Bank of America for a Business credit card call " Buisness Advantage '' Thru the Bank of America mobile application Ive tried to choose for payment plan options, once Ive answered a couple of questions the app provide me to talk to a credit counseling in order to get help to pay the credit card debt that I have with them, -My wife and my self are joint account holders for a Bank of America Checking account called Advantage Plus On XX/XX/XXXX of 2023, my wife went to a Bank of America ATM and using my debit card she deposit the amount of {$1100.00} dlls, this money was to pay some immigration procedures with USCIS and Dept of State . 

The next day ( XX/XX/XXXX of 2023 ) we found out thru the app that Bank of America was Offseting the amount of {$620.00} and transfer this amount to the credit card debt previously mentioned without any previously notice, nor contact and even when Ive try to get payment option plans help. 

By reading some publications my understanding is that banks can have the right to offset when there is a car loan and/or mortgage debt, but not for revolving accounts like credit card debt, and not from joint account since my wife is not a joint debtor in this circumstances, Tried to contact Bank of America Customer service and the only way to get an answer was thru the Bank of America XXXX XXXX by chatting with an agent and the only this she told me is that they offset the money in our checking account because I owe them money on the business credit card, and that was it.

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 2021-04-15
Company: MoneyLion Inc.
State: WA
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:
Hi, I logged into my XXXX checking account today and noticed some pending charges that I didn't recognize. 

The first was listed as a pending debit card purchase to 'moneylionloanrepayme ' for an amount of {$1000.00}. 

There are three other pending debit card purchases to 'XXXX  repayment ' each for an amount of {$320.00}. 

I do not recognize these charges, these charges were not authorized, and I do not recognize or have I conducted business in any form with any of these companies that are relating to these charges. Any information, or charges that were accrued were not to my knowledge, and I did not authorize these charges, or consent to any personal information these companies may have obtained. 

I've filed a fraudulent charges complaint with XXXX and is currently under investigation. Additionally, I've deactivated the debit card that was used in these charges ( on XX/XX/2021 ) and have requested a new one. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid off In XX/XX/2017. Since then I have been contacted by Three different collection agencies regarding this bill. I do not owe this, I've been asked to provide proof, but in the last 3 years I have had someone stolen my identity and no longer keep personal information on hand. Since then I have had them contact me and then they started calling my mother who had nothing to do with this account. I felt violated and embarrassed that my family was now involved in a matter that is wrong. They have contacted her more then once and I finally called them back to stop calling her, when I spoke to her she started getting rude and telling me to pay up. I do not owe this amount and I wish they would correct this. Since my identity has been compromised in the past I feel that is is going to reoccur since my information is being bounce from company to company on a debt that I do not owe. I've been contacted by the following companies over a bill I do not owe. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2023-11-11
Company: EQUIFAX, INC.
State: TX
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 am A natural Person, I am a living human being, I have the rights under 15 USC 1681.

Equifax is govern by the 15 USC 1681. And they have violated my rights numerous times.

I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did give equifax written permission to furnish these accounts. 
Accounts XXXXXXXX XXXX XXXXXXXX- {$1300.00} XXXX XXXX - {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 complaint is my follow-up to my earlier complaint dated XX/XX/XXXX, to remove the erroneous information in my credit report. the items still linger in my account despite my request. 

Please block or remove these items because the address is not my current address, the account is inaccurate and fraudulent. Im seeking Litigation. the inquiry is unauthorized and fraudulent. Please delete them at once. 


XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XX/XX/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 2020-04-08
Company: WINN LAW GROUP, APC
State: CA
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 have been attempting to ask The Winn Law Group for help due to my health complications and financial hardships I have been experiencing. In my last communication to them I explained in detail my financial and labor problems that are causing me to be unable to pay my accounts. 

My representative contacted The Winn Law Group for help and offered on my behalf {$800.00} dollars to settle in full, but they simply demanded I hand over {$1100.00} to settle this account. Unfortunately, I dont have {$1100.00} since my monthly income is around {$900.00} per month, just last month was {$860.00} ( please find the attachment ) and I must pay my basic living expenses ( please find attachment ). It's quite the peculiar assistance they are claiming to provide. I am filing this complaint in hope my offer be deliver to the owner of the debt XXXX XXXX XXXX and that the regulators see what The Winn Law Group is doing to consumers, even low-income student. 

Because my work is not an essential industry, I was impacted to Covid-19, and at this point I dont have any source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: NY
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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXXXXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX ) - ( XXXX ) XX/XX/202XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/202XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/2022 XXXX ( XXXX XXXX - ( XXXX ) XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/202XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/2022 XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX ( XXXX ) - ( XXXX ) XX/XX/20XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-23
Company: Tate and Kirlin Assoc
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have had the same phone number since 2007, and have been " Removed From Lists '' over a dozen times for the debt of someone named " XXXX XXXX '' who I've never met. I have made every reasonable attempt to get off these lists and requested proof that there ever was someone by that name who EVER had the phone number. I have received nothing in reply to these requests. Spam text messages from multiple phone numbers and regular calls from similarly various phone numbers continue to this day. 

The firm is Tate & Kirlin Associates , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation