BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Upon reviewing our bank accounts with Wells Fargo, we realized that there was a debit to our joint account for {$7400.00}. Upon further investigation, we saw a fraudulent check written to a fake name and cashed at a check-cashing shop on XX/XX/XXXX. 

This account, in particular, has never had checks assigned to it, and this was the first check drafted from the account over the entire XXXX history. 

We immediately called the customer support number upon discovery ( XX/XX/XXXX ) and were reassured that the funds would be replaced within ten days ( this was stated on a recorded line ) and proceeded through the process of changing bank account numbers and new debit cards. 

We did everything the Wells Fargo website said to do when a fraudulent item was discovered. Imagine our surprise a month later to find out that not only had the money not been reimbursed, but because more than 30 days had lapsed from the closing bank statement, they were not obliged to return any of it. 

We have always believed in the banking system and have never had any issues with fraud in over 50 combined years with Wells Fargo. I am opening this claim in the hopes that the CFPB can assist us in getting our stolen funds returned to our account. The fact that any bank can get away with this has shaken both of our beliefs in the entire banking system. 

Wells Fargo 's 24/7 Security Protection that they flaunt on their website did not notify me of a suspicious transaction, nor did it protect me when they allowed somebody to access funds from our account without our permission. 

Credit cards have no statute of limitations regarding fraud ; why are banks held to much lower standards? Fraud is fraud. I never gave anybody access to my account. I never fell prey to a phishing scam. I went to work like most of us, thinking my funds were being protected, only to discover that the reality is that our funds are not protected from one of the oldest and easiest forms of banking fraud : fake checks. 

For the past 10 months, every employee we have spoken to has agreed that we should be reimbursed ( These calls were recorded ). From branch managers who helped us submit our initial dispute claims to the XXXX dispute department reps, yet despite police reports and everything else that was requested, Wells Fargo spent less than a day to reply with the same answer " More than 30 days have passed from the statement so there is nothing we can do at this time. '' I am hoping that my attached documents find themselves in the hands of somebody who can step up and help make this right. We have exhausted all means of recourse with Wells Fargo and hope that the CFPB can ensure that we are treated fair and just. 

Thank you for your time, 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 2023-06-13
Company: Tower Loan of Mississippi, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023, XXXX ( manager of XXXX, TX branch ) came to my home/PLACE OF BUSINESS ( on the loan records my income is listed as sole proprietor income with the address listed, she visited on file ). Her visit was not only DANGEROUS FOR HER especially with her bad and aggressive attitude but unwarranted, embarrassing for my business, and ILLEGAL. She was asked to leave, numerous times, as I was not there and out with a client, and she kept discussing my account via my ring camera in the public where I conduct business ( video can be sent if necessary ). Then left a notice on my door that was ALREADY mailed to me. 

After speaking with me numerous times via phone from their company lines and personal ( I assume ) numbers ( phone log can provided ), she showed up to my place of business unwarranted and looking for a fight ( she was aggressive, again I have the ring footage ) attempting to collect a debt, that she/Towerloan has been in full contact with me about since BEFORE my first missed payment as I contacted them to make arrangements/notify them of my situation. Since my initial contact to notify them of my situation, Towerloan has contacted me literally 2 to 3 times a week for the past month, the phone harassment got so bad I asked them to stop contacting me and notified them AGAIN I would pay when settlement is received, and I would no longer be answering calls due to their consistent harassing phones calls. Her visiting my place of business is pure harassment ( on camera she stated she was there because I told them to stop calling harassing me ) and intimidation, especially saying they have been in consistent contact with me! I reached out to them BEFORE the account went into late status, the harassment is unnecessary and again ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hunter warfield inc has a collection on my credit report on behalf of The XXXX at XXXX XXXX for the amount of {$3100.00}. All of my balance owed had been paid years ago and I do not owe any money, to the XXXX at XXXX XXXX. I have attatched an email from the XXXX XXXX XXXX XXXX stating my account with them was settled and that they did contact Hunter Warfield to clear the account. Additionally in the documentation from Hunter Warfield it specifically says " ok by corporate to waive termination fee and removed from collections record ''. The final statement date provided by Hunter Warfield is from XX/XX/2017, XX/XX/2017 is when the XXXX reached to rectify this issue so it is clear Hunter Warfield has not updated the account on their end and has made NO effort to make an update. No money is owed and I request that Hunter Warfield due their job and obtain an updated record from the preserve and have this be removed from my credit report with tXXXX XXXX XXXX XXXX immediately. 

-- -- -Original Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX XXXX Sent : Mon, XX/XX/2017 XXXX XXXX Subject : Collection acct.  correction Good morning XXXX XXXX, As per our conversation this morning this mail is to confirm that we have addressed Hunter Warfield about your account clearance, and today again I emailed the client service at Hunter Warfield to get a confirmation letter releasing the account from collection as per approval from our Regional XXXX. We have corrected your account and waived the termination fee. Respectfully, XXXX XXXX Assistant XXXX The XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice for {$590.00} from I.C. System for services rendered from XXXX XXXX XXXX XXXX XXXX to an address in the state of California. I have never lived in the state of California. Nor do I know anyone in the state of California. I have never given anyone permission to use my information to open an account. For some reason this collection account keeps getting passed along to a new company at least once a year. I have spoken with I.C. System directly and informed them that this is not my bill. I have also filed an Identity Theft Affidavit with XXXX various times in the past to no avail. It appears to get cleared up with the present collection agency, then resurfaces with another collection agency. Im not sure why XXXX XXXX XXXX XXXX XXXX would keep passing this information on to other collection agencies when I have conveyed to them that this is not my bill and I have never lived in the state of California. I just want this to get cleared up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: CITIBANK, N.A.
State: NC
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:
Citibank Home Depot is reporting a late for XX/XX/20 and XX/XX/20 and I ask that they be removed. Due to Covid and the unforeseen events surrounding what would happen to my workplace I have been severely financially impacted. I have been a loyal customer and ask that they please remove these late notations from my credit file. I have done my best to try and stay current and be a good customer, but I have necessities that I had to pay. I ask that Citibank makes a goodwill adjustment for these lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a personal loan at XXXX today XX/XX/20 but I was not approved. They told me the reason they were not able to approve me for a loan was because there are accounts reflecting negatively on my credit. I looked through my credit report and I saw accounts from these companies that do not belong to me. XXXX, XXXX  XXXX, XXXX  XXXX  and XXXX XXXX XXXX. I have never opened an account with those companies nor do I have any written or verbal contract with them. I have never given anyone permission to open any account on my behalf and I did not gain anything as a result of those accounts that were opened in my name such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized 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 2023-10-16
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received letter saying I owed {$7700.00}. from CBE Group. When I called them they said it was XXXX XXXX. I called XXXX and they could not locate the account number on the letter from the collection agency. After speaking with them on chat I have downloaded a fraud claim form off their website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
SP Servicing, I am starting to get threats from you again about foreclosure on my home. I can not see why I should be still paying for a loan of {$25000.00} since XXXX. My home was paid for. But I decided to borrow this money to start my own business.This loan was not suppose to be a mortgage on my home, but a personal signature loan.As of I have been chasing this loan for 20 years. Each time this loan changes banks the amount stays the same. I never got a balance of the account because it never moved from the original amount on the statement of {$34000.00}. Now it still sits at {$35000.00}. This is unfair to me as a consumer. It has messed up my credit and I have this hanging over my head daily. Stressed. I am now XXXX years old living on a fixed income of {$700.00} a month, XXXX with a severe XXXX XXXX XXXX in my back. You accepted this loan from XXXX XXXX  and they got it from XXXX XXXX, who got it from XXXX XXXX and others. All total before you got this mortgage I have paid ( including bankruptcy in XXXX house only ) XXXX for this loan and it is still on going. I need the original deed to my property from the start of this loan. Can you provide me with the original loan contract where the transaction occurred? I feel that I have paid enough money on this house and on that loan.Now, you have people coming by my house taking pictures I should have finished paying this loan years ago before you got it. This loan was originally meant for 7 years repayment, and went from there to 20 years long.I do not owe any more money on this property. I am seeking legal assistance to battle this issue for me in my defense. When the bank crashed in XXXX I was put in a 30 year repayment plan to XXXX without my knowledge. When I asked why I was paying for this mortgage for so long XXXX said that I was repaying a {$120000.00} mortgage on my property. XXXX sold it to you and now I suppose to be paying you {$35.00}, XXXX.to this day. I know that I have been a victim of a predatory loan situation because of the multiple moving of the bank mortgage. I am aware that mortgages are transferred or sold to different banks during the length of the loan until it is paid off However, I have never reached the end of this loan yet. It is a shame for poor people to be treated this way by banks and other financial businesses. I need for this to be resolved and be allowed to stay in my home free from harassment. I don not owe any more money for this house. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: FL
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:
Upon reviewing my report I noticed fraudulent inquiries and wrong addresses I contacted creditors and the crediting reporting agencies. I also filed an FTC report and asked the credit reporting agencies to put an active fraud alert. The unauthorized and fraudulent items will be listed below Inquires XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Wrong address XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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 fraud alerts or security freezes

Complaint:
I dont want my file handled by the specialized fraud team anymore!!!! Its takes to long to get to That department and it stops be from managing my report online!!! 

All I need to do is change the phone number on my consumer statement from XXXX to my new phone number XXXX. 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 explanation
Consumer complaint received 2021-12-24
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: Was not notified of investigation status or results

Complaint:
I mailed letters out certified over 30 days ago and have not been notified. as a consumer I feel like this unacceptable, these companies are is blatantly ignoring and taking advantage of normal people

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
In XXXX XXXX, my Zelle account was suspended and I was no longer able to use it to send or receive funds. In XXXX, I attempted to find out why the account was suspended and what I needed to do to recover it. I called Zelle on three separate occasions from XXXX XXXX XXXX and durning each phone call, I was told was that the account was suspended in XXXX and I am no longer able to use the service. They were unable to inform me exactly why my account was suspended and they further stated there was no recourse or escalation process, just that I was no longer able to use the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This debt was handled by an attorney the agreement was that XXXX XXXX would remove information from my credit reports and they have not done so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I switched phones carriers from XXXX to XXXX. XXXX required that I return the two cell phones that were on my contract. I took the phones to the sprint store and handed them over to an employee there. More than XXXX months later, I received a bill from XXXX for the two phones. XXXX claimed I never returned the merchandise. Because so much time had passed, I no longer had the receipts and the store which I returned the equipment to had closed down. I know of two other people who had similar issues with equipment returned to that particular store. It appears the XXXX employees there were taking returned cell phones and never reporting them to XXXX. I believe that this is the reason that particular store closed down. I have spoken to XXXX several times and can not resolve this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX there was a fraudulent charge made using my Chase credit card in the amount of {$470.00} from a XXXX  XXXX in XXXX XXXX TX. I noticed the charge a day or so later. I called Chase to advise of this. They closed out my current card number and advised would send out a new card number and also put this amount in dispute. 

When I looked at my credit card statement for XXXX, I saw that the XXXX XXXX charge had been posted to my account again. I called Chase on XX/XX/XXXX and spoke to someone in their fraud department. She said wasn't sure why this happened and would reopen investigation. Didn't hear anything so called back on XX/XX/XXXX ( was told investigation would take 7-10 business days ), then called back XX/XX/XXXX ( still no resolution ). 

Finally received a call from Chase fraud/recovery department ( yesterday XXXX ). She said it was not fraud and that charge would stand. She suggested I call XXXX XXXX in XXXX XXXX myself. So I called and spoke to a store manager. She said that was totally wrong. It's up to the credit card company to open a case and deal with the store and/or XXXX XXXX headquarters. She did suggest I make a police report, so I will try to do that next. 

I already had my credit frozen with all 3 credit bureaus, but now have added a fraud alert. Don't know what else to do. I am shocked and disappointed that Chase is being so unhelpful. Help! 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-24
Company: EQUIFAX, INC.
State: CA
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, and US DEPARTMENT OF EDUCATION are violating my consumer rights. They keep transferring an alleged debt and reporting it to third parties without my consent. I didn't receive proper disclosures in regards to an unauthorized consumer credit transaction and they never provided me with original document evidence bearing my signature in wet ink.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$9100.00} XXXXXXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXXXXXX Balance : {$9100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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