BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: WELLS FARGO & COMPANY
State: SC
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:
On XX/XX/2023. An unauthorized transaction was made at XXXX for {$520.00}. I opened the claim at wells fargo and I said my card was used and it was authorized since I lost my card that day when I was in Maryland. Immediately after I freeze my card before it was used anymore. On XX/XX/XXXX, they closed the claim and said it was made by me or someone I know so they cant dispute the transaction. Then I contacted them again on XX/XX/XXXX to ask why it was not approved, they said the same reason as last time it was an insert purchased and was made by me or someone I know but I told them many times that it wasnt and they cant do anything about it so they made a suggestion to contact XXXX to see what they can do and they sent me a copy of receipt that was purchased that day to use as the evidence. Again I tried contacting Wells Fargo, and they couldnt open the claim again so they had me transfer to another call which was an 1 hour 30 minutes and no one picked up after 2 hours of wait and they said they cant do anything about 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 monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 


Inquiries XXXX BXXXX XXXX XXXX  ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 2021

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: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My Mortgage payments were suspended during the covid crisis. I was told my payments missed would be made up at the end of my mortgage term. When I began making payments again those payments were returned to me, and I was placed in to foreclosure and I had to file bancutcy to protect my home. I'm currently paying my mortgage under the terms of the bancruptcy. But I want to dismiss my bankruptcy and have Wells fargo honor the agrreement under the CARE act. The only offfer Wells fargo Made to me was to do a short sale on the house which forced my into bankruptcy protection.

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 2023-11-27
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sent my sister {$280.00} after I purchased a tv last week. On the XXXX XXXX  her card number was listed as primary so when I bought it payment was taken from her credit card and not my bank card. To pay her back I sent a check through Chime 's mobile app. When they send a check, unlike every other bank I have dealt with they go ahead and deduct the amount of the check from your account. What they do with that money during the time it was sent until it is cashed, who knows. I've long suspected they are making money from investments from the funds they hold from the debit card refunds. Before the tv was even shipped to me I decided that I didn't really needed and I had the order cancelled. I called my sister that she would be receiving a refund from XXXX on her credit card and went onto the Chime mobile app to stop payment for the check. The representative said he canceled the check and I would have my money in XXXX business days. I don't understand if the check was never cashed then it shouldn't have gone anywhere and it should go back immediately. I'm not sure, but if every other bank does not deduct the funds until it is cashed then it's got to be illegal. They are stealing peoples money to make profits. Profits that should be given back to the people that earned it in the first place and was stolen from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Uprova Credit, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello! I took out an online loan because I was having financial difficulties. I did a XXXX search and came across an XXXX XXXX website called Uprova.com the interest rate is over 500 % on a {$1000.00} loan. The payments are {$450.00} a month for 9 months. Upon research this XXXX XXXX has been involved in numerous lawsuits about illegal loans given. The website wont even work properly and I havent been able to see my balance owed or anything since the day I received the loan. They continue to try to withdrawal my payment and they wont respond to my emails about their website being under maintenance for over a month. Im afraid after research this is an illegal loan and they are going to come after me for 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 2023-06-25
Company: EQUIFAX, INC.
State: NM
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 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a 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 of the following items of information Any other adverse item 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: CITIBANK, N.A.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank NA Fraud Department placed a hard hold on my account for no reason. They refuse to service my account over the phone. I have escalated my concerns to the Citibank Executive Response Team and they also refused to assist. 

Since I was abroad Citibank refused to allow me access to funds. I have received several XXXX transfers from family for expenses thus not being able to access funds ( last XXXX transfer ). Citibank deliberately blocked my acces to my account. 

They discriminated against me because of national origin, XXXX XXXX  and gender. My debit card was blocked by the fraud department over XXXX times since Ive been abroad. Ive been abroad for over 5 months. They claim they need to speak with the account holder thus being myself. I am the only authorized signer on the 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 2021-12-19
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company by the name of Hunter Warfield continues has a collection entry on my credit report that does not belong to me. My report shows this collection is for an apartment complex, XXXX XXXX, from debt owed in 2018. It is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have been receiving unemployment benefits but unable to aces my money due to u.s. reliacard bank licking my account. They locked it the first time in early XXXX and asked me to fax documents with proof of address in which I sent 6 pages of verification by fax and they unlocked my account so I asked for a card to be expedited because I had never received the first one and they let me pay the {$15.00} fee only to expedite the card in 2 days to be locked again. I immediately called again when I was unable to activate and they said another lock due to address was put on so I faxed again all of the verification pages for the second time and now I have been waiting almost a month and have also scanned my if and sent via online to them also with my address on it. I really am hoping someone can help me just get my account unlocked so I can use my funds to pay my bills. Thank you so much!

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 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I submitted a multi-item dispute via mail thru the USPS. The credit reporting agency replied to my correspondence stating that the disputed items were verified. On XX/XX/XXXX I wrote to the credit reporting agency ( see attached letter ), again, citing the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states, a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The credit reporting agency failed to reply within 14 days after receiving the request and they also failed to provide the information requested as outlined by the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 14 days after receiving a request from the consumer for that description.

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 2023-10-19
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hello Im reaching out because Im having an issue with my student loans.

As of recently Ive been having some health issues that kept me from making my timely payments on time as I normally do. Its been reported that Ive been XXXX past due to the credit bureau, which caused a dramatic hit to my credit score. Ive had perfect credit for years now.. I pay all my bills on time and sometimes more than what is asked of me. Im asking for a Goodwill Deletion, seeing this is the first time that Ive ever been late. Im a single mother doing the best I can. Im currently starting my house buying process and this has set me back hugely!!

Im not disputing that I was late, however I would greatly appreciate it if I wasnt punished to such magnitude over my very first mishap. My credit score dropped XXXX points. Once I caught wind of the situation I went ahead and made the account current, even offering to immediately pay it the entire balance. If there is anything you can help me with Id greatly appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XXXX XXXX XXXX purchase 's and Back of America ) Multiple charges from XXXX XXXX XXXX  occured that had not reflection on me. I spoke with XXXX from XXXX XXXX and the following occurred 1. I made a few purchases but my card on file was being used by an internal employee. 
2. XXXX XXXX XXXX  created fake receipts for real purchases made. This was discover months later,. I had a product that was defective that I went to the manufacturer for replacement which they informed me that the receipt isn't valid. 

Bank of America rejected to even file a claim with out the consideration of the information. From what I was reading that they were required to file the claim. Below you will find a list of some of the purchase. 

Main Points : 1. The Online Order manager was created false invoices to prevent the order from showing on the closing allowing the monies to go in this pocket. How did this effect me? I was unable to get XXXX XXXX replaced,. A monitor, etc 2. If one purchase was made they would manually charge unknown amounts Issue :. The transactions that have been charged without authorization is a fraud claim but bank of America would not accept to for a fraud claim not even a dispute. I have emails from frys that verifies the information I'm providing. Below are only the items Date Friday XX/XX/2020 Store Location XXXX, CA ( Store XXXX ) Invoice Number XXXX Order Number XXXX Invoice Amount {$150.00} Date Thursday XX/XX/2020 Store Location XXXX, CA ( Store XXXX ) Invoice Number XXXX Order Number XXXX Invoice Amount {$130.00} Date Tuesday XX/XX/2020 Store Location XXXX, CA ( Store XXXX ) Invoice Number XXXX Order Number XXXX Invoice Amount {$110.00} Date Friday XX/XX/2020 Store Location XXXX XXXX, CA ( Store XXXX ) Invoice Number XXXX Order Number XXXX Invoice Amount {$87.00}

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 monetary relief
Consumer complaint received 2018-04-26
Company: Experian Information Solutions Inc.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am currently trying to purchase a house, the lender company ( XXXX ) pulled a hard pull on my credit report but they stated they could not pull my XXXX or experian score. I called both on XXXX XXXX and they stated there was no lock or freeze on them. I am in the military XXXX and XXXX said they had to put NY as my state address because they can not use XXXX XXXX such as XXXX. This is becoming so frustrating because we are stuck and I need them to see my scores for all three.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: NATIONSTAR MORTGAGE LLC
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was foreclosed in 2014. Nationstar mortgage company has continued to want payment on XXXX Mortgage though the XXXX mortgage no longer exists. I have written them 2 times, and emailed them as well to resolve the issue and offer a payoff amount. They finally sent a letter back that I received on XX/XX/XXXX stating that they are looking into my request for a negotiated payoff. In addition to the first issue of paying off the XXXX mortgage, I also have a company named XXXX and XXXX that is stating that they took over the portion of the foreclosed loan from the XXXX mortgage that was left over after the foreclosure sale took place ( approximately {$170000.00} ). I need Nationstar to verify that Nationstar mortgage has authorized XXXX XXXX XXXX to act as debt collector and that I owe a balance of $ over XXXX on the first mortgage that went into foreclosure at my home located in XXXX. The letter sent back to me from Nationstar made no mention of nor did it answer to my request to get verification of this other debt collectors authorization to collect this debt since from what I know, once a foreclosure has taken place, I am no longer responsible for the foreclosed loan. I have also called Nationstar numerous times about settling the second debt and getting clarification on what if any, amount I owe on the XXXX mortgage after foreclosure. Whenever I call, the customer rep attempts to get me to make a payment on the XXXX loan and tells me to call another department regarding my questions. It has been a nightmare trying to communicate with Nationstar since we had initially agreed to do a deed in lieu to avoid foreclosure and without direct notice to me, Nationstar decided to put the home in foreclosure when it would have been very easy for me to do a short sale if the deed in lieu process was no longer an option. I spoke to a housing agency that helps consumers try to avoid foreclosure and they mentioned that they have never heard of another company like XXXX XXXX XXXX take over as a debt collector on a home that has already gone into foreclosure and continue to attempt to collect on and claim that I owe a balance of {$170000.00} on the first mortgage that went into foreclosure at my home. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: EQUIFAX, INC.
State: PA
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:
To whom it may concern, Under 15 U.S Code 1618B - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX XXXX never gave XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XX/XX/XXXX, Informative XX/XX/XXXX, Informative XX/XX/XXXX, Informative XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted Synchrony bank and notified and disputed the validity of a debt. It has been approximately 2 years the original dispute has not been resolved. I faxed and sent Synchrony Bank regarding an error that was made. My records showed that I was on active military duty. I was not and asked that the issue be resolved. To this day it has not been resolved instead a decision was not made and the account was charged off.

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