BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-18
Company: WELLS FARGO & COMPANY
State: AZ
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:
In XX/XX/XXXX I authorized a business to debit my account for {$100.00} and in turn they were to provide services to me. The services were never provided me so I called the merchant to get the {$100.00} returned and he did not respond to me. 
I then called Wells Fargo Bank to dispute the charge. I was given provisionary credit and then I received a letter on XX/XX/XXXX that the credit was being taken back and no credit would be given, should I have any questions to call. I called Wells Fargo and was advised that " They lost the case against XXXX because they are a money transfer company and that the transaction was a money transfer. I once again advised that this was not a money transfer and that my debit card was processed by the business and XXXX must have been their Merchant Services company. They kept insisting that it was a money transfer. I asked to speak with a supervisor as I was not satisfied with the information that was being provided and they should also realize that this was not done as a money transfer, " as similar to XXXX XXXX '' as I was told but processed through a merchant services company, I was advised that this was a final decision and there was no where I could go to dispute this transaction.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 writing to address a matter of utmost concern regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that TRANSUNION conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.

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 2020-08-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received a letter from chase bank on XXXX that my account would be closed and Id receive a check with my funds. Its now XXXX and XXXX dont have my funds. We are in the middle of a pandemic this should illegal to hold my money for so long. Customer service is absolutely no help nobody can give me any information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: PA
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: Problem getting your free annual credit report

Complaint:
I Attempted to access my CONSUMER FILE but encountered some issues. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I demand a copy of my consumer FILE from YOU to be mailed to me at the address on my proper identification. I demand a response from you within 15 days of this complaint. Along with this complaint is a copy of my proper identification. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: RockLoans Holdings LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I received an email from Rocket Loans advising me that it was the last day to make my payment before my account would receive negative marks on my credit report. I rushed to log in and scheduled the payment which was not drafted until XX/XX/XXXX. Last week I received an alert from my credit monitoring service that my credit score dropped XXXX points due to the negative reporting from Rocket Loans. 

I've called and escalated this situation up to what they call their leadership team and have been unable to receive any kind of solution. They claim the email is automated, but that is very misleading to write an email that states if I don't make the payment on that date then I will receive negative credit reporting. I've spoken to over 3 people and they all refuse to assist me with this matter, it is not fair to me that I receive these negative markings due to their lack of communication. 

I would like someone to research this matter, as this is against Fair Credit Reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax is violating the law by not removing a fraudulent inquiry they are reporting in my credit files. 

Equifax m has had proper notice and proper documentation in this complaint that includes an identity theft account and police report even after several days of reporting this complaint to equifax. 

Equifax has record that I have provided an identity theft report and police report outlining this specific fraud inquiry issue and you will see required documentation to order this fraudulent and non consensual inquiry as listed as : XXXX. XXXX, XX/XX/2022 I could see where this was precariously overlooked, but this reporting by equifax is unlawful and they have had time to remove this inquiry that is also listed in the identity report I am sure they accidentally overlooked it and I agree not to sue, please remove the XXXX  inquiry, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
For some reason I am unable to use my Avant credit card. 
I called customer service and they said there is a problem with my account and they need to verify my identity. I was not notified that there were any problems with my account, I only learned about this after attempting to use my card and it was declined. 
Phone customer service said to send an email to the company via my personal email. There is no online messaging portal. I sent an email, was told to call, and this went back and forth for a while. I finally got an email from a representative who said that I need to EMAIL my documents with personal information in order to " unlock '', confirm, validate, etc. my account. There is no other way to submit this information other than email. I do not feel comfortable emailing the requested personal documents which include a valid ID, financial information, and utility bills. I am happy to provide these documents via a secure online portal but it does not appear that there is XXXX available. 
I remain unable to use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: VA
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:
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 this has violated my rights and I need it removed as soon as possible . 
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 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 explanation
Consumer complaint received 2022-12-27
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft I made a report with you over a month ago and it was closed. I received a letter in the mail from you about credit report I made a report why did your company close it? I see a collection account from Receivable Performance management I never had any account with them and the credit bureaus asking for a report to investigate 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 2022-12-27
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was not aware that I could opt out.

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 2023-10-05
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying for XXXX to contact Edfinacial in regards to my student loans. I cant access my statement documents on my portal. I have called and nobody ever picks up the phone. The email channel doesnt work to get in contact with them either.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I was a victim of fraud on Thursday, XX/XX/2023 where an individual asked if I authorized a transaction for a XXXX where I said no, in turn they pulled up my account and stated they needed to connect me elsewhere, so XXXX connected who claimed they were with the US Marshalls called me from a number XXXX claiming someone has been using my name to open accounts, and do illegal activity such as money laundering and drug trafficking. At this point Im scared out of my mind and unfortunately does what he says such as going to XXXX withdrawing {$500.00} of my money and placing it on a money card and giving them the card number after saying it would be used for authorization purposes for when I get a new social security number. I will be filing a police report this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
see ftc to proof most of my case with the prior cfpb see FCRA laws for all the major violations

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 2022-12-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They just closed my account and said its a banks decision I applied for the account in 2021 of 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 2023-06-16
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX I signed what I thought was Refinance paperwork, which ended up being a Modification. When I sold my House in XXXX XXXX HUD took {$31000.00}, now I was told that if I sold the Property I would owe {$5400.00}. HUD said I missed 25 payments on my House. I have never missed 25 payments, who can live somewhere for two years for free. I need someone to explain to me how this happened and who can help me. Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a complaint against Bank of America for not properly staffing on their fraud call centers and allowing the BOA staff to party and laugh instead of taking time sensitive calls. On XXXX XXXX, 2019 Bank of America sent me a fraud text message about to verify if a check I had written was valid. Bank of America in their notification just gave me a dollar amount not the party the check was made out to. I was at work and did not immediately remember the check though it was for a car loan pay-off. I responded " No '' but within an hour remembered the check and I called in to Bank of America to correct the error. I was on hold for over 20 minutes and through my lunch break so I could not wait on the phone any longer. After work I waiting on hold for Bank of America for over 30 minutes then when i finally spoke to a live person ALL I COULD HEAR WAS THE BACKGROUND OF PEOPLE LAUGHING AND HAVING A GOOD TIME NOT WORKING. I was told by the representative that BOA only gives a time limit to respond the BOA fraud text message or to correct a response to the BOA fraud text message of a few hours, I believe the service rep. said by 3 PM EST, before BOA denies paying a check. Not giving a customer at least one full business day to respond before BOA denies a check to clear is not right but then to intentionally under-staff their call centers and allow employee not to take a call is wrong when BOA puts a short time limit. BOA could easily give days for a proper response when BOA does not even give clear information on the check they are going to deny but I called in time but due to BOA under-staffing and partying my check was wrongfully not paid. BOA should have wired the proceeds to the business at their expense for the staffing and poor customer experience but their complaint area is also understaffed and does not take direct incoming calls. I had the entire day off on Thursday and was not contacted after I returned the BOA complaint area 's call till the next day.

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 2023-10-05
Company: W&A Intermediate Co., LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Wakefield and Associates has multiple times during phone calls, threatened myself with jail time. They were recently sued for exaggerating the amounts owed in office and charging more than then the actual debt. 

Most of the time when I speak with them they are very hostile and unwilling to listen. I was told I was nothing at a point and that is why they sued me for medical debts. 

They are all around unprofessional and have only recently been acting professional toward myself since the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX | XX/XX/2023 : Account number : N/A, Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

XXXX | XX/XX/2023 : Account number : N/A, Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

XXXX XXXX | XX/XX/2023 : Account number : N/A, Date open is showing the wrong dates. Can you delete this ASAP and send me and update. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

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 2023-11-04
Company: EdFinancial Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I have made several attempts to submit payments to EdFinancial in order to meet the deadline. However, each time I tried, the payments were inexplicably reversed by EdFinancial, resulting in additional fees imposed on me. Here is a record of the payment attempts : XXXX. {$100.00} payment to EdFinancial on XX/XX/XXXX ( Confirmation # : XXXX ) XXXX. {$100.00} payment to EdFinancial on XX/XX/XXXX ( Confirmation # : XXXX ) XXXX. {$100.00} payment to EdFinancial on XX/XX/XXXX ( Confirmation # : XXXX ) Despite my efforts, all of these payments were reversed, and I was notified by the company that I am liable for fees associated with these reversals. When I contacted EdFinancial on XX/XX/XXXX seeking assistance, the representative suggested that my bank might be responsible for restricting the transactions. However, beyond this observation, the representative offered no further solutions. They also requested that I verify my account number and routing number to ensure their accuracy. 

After confirming the details with the EdFinancial representative, I promptly contacted my bank to ascertain if any restrictions were placed on my account. As I suspected, the bank representative confirmed that EdFinancial made no attempts to collect the payments and that my account holds sufficient funds. In fact, my bank provided me with a written confirmation affirming the adequacy of funds in my account. 

The situation remains unresolved despite my repeated efforts, and it's causing unnecessary inconvenience and additional fees.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-17
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom this may concern, I recently opened up a bank account with PNC and deposited very large check, that was successfully deposited. In the middle of me trying to withdraw the funds to use, PNC bank froze the accounts and all my money because I feel they do not want me to remove my cash and funds from their institution. Their reasoning is that the security and investigations department thinks there is fraud going on. But clearly there is not because I am the only person who knows about the account And the only person who has access to the account. Ive tried calling PNC Bank several times over the last 2 1/2 weeks and I have not gotten a clear answer on when my funds will be available. I need these funds because they are my source for paying for my mortgage and all of my bills so that my family and I can stay in my home that I have worked so hard to build and make. The answer I get from PNC Bank is that there is no clear timeframe when my funds will be released in accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report and noticed a medical debt had been reported to the credit bureaus. I sent a letter requesting VALIDATION and in return they sent me a bill requesting payment in the amount of {$1200.00} I asked for validation of the account including the services rendered the amount of each service along with my signature releasing the authorization of my personal health information. This is a HIPAA violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: DISCOVER BANK
State: WA
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:
please refer to customer complaing # XXXX providing proof that this company admitted fault in illegally denied my credit application and promising to remove it as a hard inquiry on my credit report. 

then refer to customer complaint # XXXX of me trying to resolve the issue of them refusing to resolve the problem where they responded that they have resolved which I am providing proof that they are lying on their response and have not resolved the issue as they claim and causing even more finical harm to me because of the refusal to rectify the illegal discriminatory practices.

Company response to consumer: Closed with explanation