BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: DailyPay, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
The company I work for uses DailyPay to process employee pay. My pay is direct deposited to my bank account. This is a vital service DailyPay is contracted to perform for companies. Yet for several months, DailyPay has had notices on their website and app that processing is taking longer than usual and deposits could be late. I have experienced later than usual direct deposits on a few occasions, usually a few hours later than usual. However, my pay for this period is now more than XXXX hours late and I still have not received it. I called DailyPay and told them I need my pay to pay bills today, including a bill for {$1700.00}, and all they could offer was an apology and an offer to " escalate '' the problem, as if it is not well known to them. These delays are becoming more frequent and more serious. They have profound, real-world impacts on people. Yet DailyPay doesn't seem to be overly concerned. DailyPay needs to fix this problem or get out of this business so a more competent company can get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opening an account was easy but unfortunately my checking account was inactive for 3 months due to my job was slow, when my job I worked for started picking up, my paycheck wasnt able to be direct deposit into the bank due to inactivity so it automatically closed and it took a week for thrn to send me a paper check. Sure was a waste of time.

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 2023-11-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home 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:
-I reached out in XX/XX/XXXX to remove my escrow account, Chase responded on XX/XX/XXXX that it would be removed effective XX/XX/XXXX. 
XXXX I reached out as the escrow account was still visible. I stated I needed clarification as my next payment ( autodebit ) was due on XXXX and I needed to know what my payment would be. Chase responded saying it would be the mortgage including Escrow, but that the extra for escrow portion of my payment would be in my escrow refund check.

-I am then told in another message on the same date, that although the effective date of escrow removal is XX/XX/XXXX, it can take another 5 business days to take effect. This means it isn't really effective on XX/XX/XXXX, Chase is just pretending. 
-On XXXX, I reach out AGAIN to Chase, as they applied the escrow portion of that payment as extra principle. Chase decided on it's own, even after confirming with me it would be returned, that that the escrow closure did in fact process and that this was an extra payment. 
-Chase escalated this and then responded. They agreed to refund the extra principle payment. They then put it entirely on me, stating extra money first goes to principle. The problem is that this wasn't extra money, this was money that Chase 's own employees promised me would be refunded. Instead, I had to go through all of these extra hoops. Chase needs to be responsible for what their employees state and be truthful about how these processes work. Just because Chase is a multibillion dollar company doesn't mean that they can make up their own rules/change things at their leisure. As I have received this money back at this time, this complaint is to place this in the public record, and to ensure the CFPB has another instance of Chase just " doing whatever it wants '' in regards to consumers. Whether any laws were broken, I am not sure. However, Chase actively did not do what they said they would do in writing, and I had to spend lots of time and effort to get them to fix it. 

This is a part of the final response I received from Chase : " We apologize for any confusion and inconvenience caused by the prior communication regarding your automatic payment refund. Please be assured that we will address this matter internally. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
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:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is a report to the Consumer Finance Bureau against Wells Fargo for closing my accounts they also closed my accounts and are participating in illegal buisness activities by notating things thats not true to keep me from having other accounts at other banks. I would like to know why Wells Fargo is participating in illegal buisness activities by notating things that are not true to keep me from having other accounts. I would like to know what falsified things Wells Fargo is reporting to other banks and demand that it be removed. This is also a discrimination complaint against Wells Fargo for not allowing me to reopen my accounts and its employees that participated in harassment and discrimination against me. I would like to request that Wells Fargo allow me to reopen accounts for myself for personal reasonings. I would like to know what Wells Fargo is reporting to other banks and if I would be able to reopen my accounts.

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 2023-11-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported to Chase Bank on XX/XX/27 some unauthorized charges on my account. Among them there are XXXX transactions for the same amount. I received a temporarily credit which today was reversed. Upon calling the bank they said the transactions are valid because the merchant said they are! I was not provided with any documentation, i have XXXX the name of the merchant and also i asked to escalate the claim. I was told that Chase is not actually investigating but they direct everything to XXXX. I need an advise on where can i take this any further

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TrueAccord Corp.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Calls all day from blank named numbers, different company names, all from same company. I've told repeatedly to stop calling emailed company to stop but they just started calling more times per day 20 plus now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt collection letter from American Coradius International LLC stating I owe XXXX money, yet I have no XXXX balance and XXXX has never contacted me about owing money. I think my credit card company that I use would be contacting me about this since that's what gets charged when I buy something through XXXX. 

This is what they are trying to say As of XX/XX/XXXX, I owe {$98.00} Additional debts : {$510.00} no interest no fees Total amount owed {$610.00} I have not used XXXX since XXXX of XXXX. 
They say this is in reference to XXXX account number XXXX. XXXX does not use account numbers, they use your email address to identify your account. 

Here is the address and phone number they gave XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( how funny, my address numeric ) XXXX NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are multiple accounts that I didn't authorize or give consent to be opened in the first place. There are five different names,12 phone numbers, 6 addresses that are not mine. Anything that is not under my name, I want deleted immediately off my credit report. I need proof from all companies with misinformation, of my signature, & COLORED copy of my ID at the time as well. I have filed a FTC. I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( m281 sw 715, 719 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that XXXX didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 Acct # 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

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 2023-12-21
Company: SYNCHRONY FINANCIAL
State: CA
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/2023 I order pop on veneers order XXXX paid {$590.00} by PayPal and received the {$49.00} dollar kit but was never used. On XX/XX/2023 I asked pop on veneers for a refund and they refuse On XX/XX/2023 I open PayPal case XXXX to requested refund of {$540.00} because I deducted {$49.00} for the kit and PayPal declined to dispute refund. I email pop on veneers and they don't want to refund my money I never used their service

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 2023-08-14
Company: Experian Information Solutions 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$870.00}

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 explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am writing to formally lodge a complaint against Equifax, detailing a concerning experience I recently encountered while attempting to update my information. I followed their prescribed document request process, supplying a utility bill with my current service address and a Social Security Card with the complete 9-digit number. 

Despite my compliance with their documented requirements, I faced a discrepancy in the verification process. Initially on a phone call I was assured that my information had been updated, I encountered resistance when I sought further clarification from the representative from today XX/XX/2023. The agent insisted on the submission of my ID and his refusal to escalate the matter to a manager or higher authority exacerbated the situation. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly. It is my sincere hope that discriminatory practices are not at play, as such treatment contradicts the experiences of those within my network. No one I know has encountered similar obstacles, and I believe it is imperative for Equifax to address this discrepancy promptly. 

Your attention to this matter is greatly appreciated, and I trust the Consumer Financial Protection Bureau will ensure Equifax 's adherence to fair and consistent procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I accidentally submitted an incorrect account number through Navy Federal Credit Union ( NFCU ) to XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX number was off ). Both accounts that should have been involved in the transaction are in my name. After I realized this, I reached out to every party possible ( originating bank, receiving bank, XXXX, etc. ) and received no help. I requested contact information for the account owner so that I could reach out to see if they would voluntarily return the funds. Both financial institutions refused to submit disputes or provide me with resources, despite the fact that all transactions occurred on their websites. 

Transactions : XXXX XXXX XXXX} transferred via XXXX XX/XX/2023 : payment finalized to wrong account XX/XX/2023 : notified that transaction was finalized on XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: NJ
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation