BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo had sent thru charges on today and back dated the charges. I had made a deposit into my business acct yesterday and later that day transferred most to my personal acct. this was on the XXXX. I went by my bank this morning and withdrew some of the funds and both the business and personal were in good standing this morning on the XXXX Sometime after I left the bank this morning after making a withdrawal, somehow Wells Fargo debited my acct and posted the debits for the XXXX which is the prior day and said I had bounced the acct. how can a bank on the XXXX during the day back date a charge and post to my acct the prior day and make the acct negative. The bank stated that it was the transfer of funds to my personal acct from the business is what bounced and I advised the bank rep that I did this transfer online and it will not allow me to transfer more money than is in my acct into another. It will only allow you to transfer the amount u have available when transfer online. This is the second time this has happened in the last 4 months. I have also had issue with Wells Fargo mailing me back an nsf check I ran thru the business acct from a customer. They refuse to provide or give me a negotiable copy of the check I deposited that they state is nsf so I can go back to my customer to obtain the money due to me the last several months that Wells Fargo has refused to send back that negotiable check that I gave them or a negotiable copy. The only thing Wells Fargo has been willing to do is make a xerox copy and give to me that is NOT negotiable. What use is a copy of a non negotiable check. As far as the issues today, they have stated the charges are correct and that I bounced the acct and not their problem. As a customer of the bank, I am very worried about what they are doing as this can not possibly be legal. If was then every bank could just randomly do the debits and back date to whenever to help with their bottom line and fees they would like.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  Account # XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2020 I was notified by Paypal that my account of 19 years was being permanently canceled due to my having used, fraudulent or stolen information when I opened my account. As I had had my account for nearly 20 years it seemed to me that there was an error that needed correcting. I contacted them by telephone that same day and was told that an appeal would be opened and that I could xpect to hear vrom them within three days. Having not heard back from them by Wednesday, XX/XX/XXXX I called again and was informed that the person with whom I first spoke was in error and that no appeal was possible. I have a cash balance of {$60.00} that they have impounded for a period of 180 days. I stated that I did not agree to that length as appropriate but the Paypal representative with whom I was speaking said it was in the user agreement. 

My position is that I have not violated the user agreement and they have not offered any proof that I have or even said specifically what the stolen or fraudulent information thay accused me of providing was. To accuse someone of providing stolen or fraudulent information is a serious charge. It needs to be backed up with facts and the person accused should have the opportunity to present any information that would be exculpatory. To make a blind accusation and use it as a predicate for impounding funds in their care is a dangerous prerogative they are assuming unto themselves. 

There is also the humiliation of being treated as a criminal after so long an association and to have scheduled payments suddenly not being met is deeply embarrassing. 
I believe I am entitled to a hearing to show that I have not acted in a manner as accused and that my account should be restored and their practice of arbitrary decision taking needs to provide for dialog in matters of disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: TX
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 am filing this complaint against XXXX XXXX XXXX XXXX as well as the consumer reporting agencies for incorrect reporting of my repossession balance. The balance is incorrect because on the Explanation of Deficiency dated XX/XX/2021 XXXX XXXX XXXX XXXX listed my loan balance at the time of repo as {$14000.00}. On the Transaction History Report that I also received from XXXX XXXX XXXX XXXX the balance at the time of repossession was {$14000.00}. The account adjustments don't total any adjustments that are listed on my transaction history. Also, the amount that the car was sold for is listed as {$11000.00} on the Explanation of Deficiency but on my transaction history it was listed only sold for {$10000.00}. Even after deducting the cost associated with repossessing and selling the vehicle it still does not amount to what is listed on the transaction history provided by XXXX XXXX XXXX XXXX. 

This has caused me significant harm and financial distress. I am therefore requesting a full deletion of this account from all credit reporting agencies due to their negligence in not conducting a proper investigation into the account, and to account for the negative impacts this incorrect reporting has had on my credit score. In order to do so, I cite section 623 of the Fair Credit Reporting Act, which protects consumers from inaccurate information reported by creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: CHECK INTO CASH INC.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX # XXXX, has been sending me letters about an old accoun that they're stating is past due. I have never did business with this company period. This old account was paid off by myself by a pay day loan company called CHECK INTO CASH of XXXX Alabama, over 5 years ago and it was fully paid off. But at some point my name and account was SOLD to XXXX XXXX XXXX XXXX, and It should not have been sold at all because my loan was paid in full to the manager at that time, XXXX. I remember the person so well because she called corporate she said, and asked if they would accept a settlement pay off since I had paid on the original {$300.00} loan for over a year and one half. XXXX advised me that corporate approved a certain amount for me to pay, and I paid it that day. I never applied again for another loan from CHECK INTO CASH. So, I do NOT OWE XXXX XXXX XXXX ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Chime Financial Inc
State: GA
Product: Credit 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:
On XX/XX/XXXX my Chime Credit Builder card was stolen and the criminal proceeded to charge a total of {$2100.00}, depleting the deposit provided to Chime as security for this account. I wasn't aware that the card was missing until I recieved an email at XXXX on the XXXX that a charge was declined at XXXX in the amount of {$150.00}. After verifying that my account did have insufficient funds I immediately contacted Chime support via their messenger platform in the app. At that time the customer support representative canceled the XXXX XXXX  and issued a new one. This representative also assured me that my funds will be replaced within 5 to 7 business days. Three days later I contacted Chime via phone to confirm that they were putting my funds back in my account. It was at that time that I was informed I needed to file a dispute on the track. I was also informed that it could take up to 90 days for my dispute to be resolved. Less than 24 hours, my dispute was denied. In an attempt to file a rebuttal, I uploaded my police report in hopes that this would be sufficient to support my dispute and return the funds to my account. I was then denied a second time. Upon receiving this denial, I asked the email what documents or information would be needed from me. I have yet to get a response from Chime

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05
Company: Western Portfolio Assets
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX @ XXXX XX/XX/XXXX I received a Text massage call via my phone ( Hi this is XXXX from XXXX XXXX (? ) Delivery Service calling with an urgent message regarding a delivery for both XXXX (? ) XXXX. Please give us a call to our toll free number well provide you with full detail about whats been deliver and help you reschedule. Also due to the COVID-19 is that were doing courtesy calls before sending anything out. Im. ) I received a voice mail also saying that the Reference number is XXXX and to call XXXX. 

I called the number and was informed that I had a Balance due on a Master Card through XXXX from XXXX to XXXX and Western Assets was handling this account and that I had made Payments, I have never had a Master Card nor have I ever Singed anything authorizing the use of a Master Card account and I made no such Payments.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-10
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2019 Midland Credit Management took me to court but we worked out an arrangement and now they trying to add more money because I was paying the {$100.00} a month. Now they are taking me back to court again and put it back on my credit report like I was not paying them. They have been calling me none stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Several inaccurate addresses are reporting on my credit report. I have provided Equifax and XXXX proof of my identity multiple times and proof of residency and they continue to falsely report this information! I have called multiple times to Equifax and XXXX and representatives have been rude. I've been hung up on a few times as well. I've tried escalating the call and waited for a Supervisor for over a hour. Reps have told me fraud happens to everyone and to deal with it.They have changed the dates several times showing current status for inaccurate addresses and put my current residency as former which is clearly inaccurate. They have added so many wrong addresses that Clearly they have mixed up my information with someone else! I have asked them to validate this information and they have not been able to do that! I have been denied credit because of inaccurate information reporting. I have sent both bureaus certified/notarized documents on multiple occasions and its hard to keep up with this extra expense. I disputed this information XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Inaccurate information still reporting as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error.

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 2023-03-29
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This loan did not represent the fees, charges tacted on. This is violating me as a consumer I have complained several times I am suppose to be provided proof of what was done to the repossessed vehicle, I am suppose to be shown how {$3000.00} have been added to my deficiency balance. This company was Sued in another state for the same behaviors. This loan was not honorable the vehicle was no good after driven from the lot I was forced in this car by the dealership, its not the first of the lending hearing of this I was not allowed to use my warranty when car broke down a week later. The company needs to pull all calls made to lender I was told nothing could be done. The car wasnt worth sell which is why it was dismantled. Ive attached the most recent lawsuit in which I am a victim of this company as well.

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 2021-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
My complaint is with Bank of America I am on unemployment and filed my weekly claim it takes two business days to receive your funds on the day to use the funds I did so and after purchasing a few items that morning of they froze my account and asked if I had valid verification of whom I am I repeatedly let them know due to Covid-19 all of the state of New Jersey Department of Motor Vehicles where close and that once they are due to open you have to make an appointment and appointment was months down the line due to COVID-19 I am very disappointed at the fact that they know it isnt possible to do so right now I am convinced that this is an fraudulent practice of there institute

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 2022-09-16
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage loan was paid off in XXXX of XXXX. On XX/XX/XXXX our mortgage statement indicated our escrow balance had been mailed to us. On XX/XX/XXXX we still had not received our check so we contacted Truist Bank. We were told a request would be put in to stop payment on the check and a new check would be issued and to call back on XX/XX/XXXX to check the status of the re-issued check. On XX/XX/XXXX we contacted Truist only to find out the request had not been made. A new request was made and we were told the check had been re-issued and would be mailed on XX/XX/XXXX. On XX/XX/XXXX we contacted Truist to check the status once again and were told yet again the check had not been mailed but would be reissued. We requested the check be wired to our bank and gave our bank name, routing # and account # and were advised a manager would return our call with an update. On XX/XX/XXXX, after no return call from a manager, we contacted Truist once again. We were told the same thing ... the check was being reissued. The check could not be wired to an " outside '' bank - only to another account with Truist. How a bank can not wire funds to another bank makes no sense at all to us. It's a bank. Banks wire funds all the time! On XX/XX/XXXX we contacted Truist once again only to be told the same thing - the check is being reissued. Once again, we requested our funds be wired or sent via overnight. We were advised the funds could not be wired or sent via overnight - only by mail. In addition, our loan was overpaid but because there was a shortage in our escrow account, Truist kept over {$700.00}. Who got that money if our loan and escrow account were closed? There was no money to be paid out of our escrow account. Taxes were not paid from the escrow as they were pro rated at our closing. Insurance had already been paid and premium was reimbursed to us when the policy was canceled. This money should not have been kept by Truist. It should have also been returned to us. This has been going on for several months and we still have not received our money from Truist.

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 2022-06-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Company- XXXX Called and was stated to file complaint with FTC XXXX 
Fraudulent Inquiries : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX ) Company- Equifax Called about inquiries was stated to file complaint with FTC Fraudulent Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Company- XXXX Called about inquiries was stated to file complaint with FTC Fraudulent Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation