BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I contacted Wells Fargo Bank to make a complaint about a scam that I got reeled into when I applied for a job online and it turned out to be a scammer behind it ( mind you, I am XXXX XXXX XXXX, on social security and was looking to find a part-time job to supplement my Social Security XXXXncome ). I asked for their assistance in investigating and refunding the money I lost which was approximately {$22000.00}. Wells Fargo summarily took my information on the XXXX and closed the investigation on the same day. It seems to me that they did not investigate anything but did proceed to tell me that I would not be refunded my money. Although I explained to them that I was a 40 year customer of the bank who had never had a negative balance or a returned check, they still maintained that it did not matter as I was responsible for the scam, therefore unwilling to refund my money ( why would I be responsible? I didn't do anything wrong except to believe the clown I was communicating with via text! ). I informed them that the bank has a fiduciary duty to refund monies to bank customers that have been scammed as well as an ethical one. Didn't make any difference as they refuse to refund my monies. I was transferred to different departments with the same results. ( Mind you none of Wells Fargo employees gave a XXXX  XXXX about my predicament with the exception of 2 that were kind enough to take down my complaint in detail ). I wound up writing 3 letters to Wells Fargo ( sent them via email and had the email address to the CEO blocked so I could not send him a follow up email. I was summarily referred to their other offices for their investigation. To date, I still have not received a dime of my money. I received a letter from XXXX indicating that they apprised me that a large wire of {$4900.00} seemed fraudulent, but they allowed the wire to go through. Had they NOT allowed the wire to go through, it would have arrested this whole situation before it got to the point that it had! They indicated they had a recording wherein I was apprised that the transaction looked fraudulent, but when I asked to hear the recording, was told that it was Wells Fargo property and that I would not be able to do so. Today is XX/XX/XXXX and I'm still wrangling with the bank to do what is the lawful thing to do. To them, Elder Abuse does not pertain to this matter and neither does the law! I have been referred to their executive office on the XXXX XXXX and will call them Monday, the XXXX. In the meantime, I am back to searching for a job praying to XXXX that the next opportunity does not put me in this predicament!

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: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am unaware of this debt, someone has been using my name to obtain credit and I'd like this removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: PA
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 declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/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 non-monetary relief
Consumer complaint received 2023-02-28
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I went to my bank Truist on XX/XX/ and asked that my business 's checking and savings account be closed. I was told it may not happen until the next day until a check cleared, which was written on the same bank. The next day came and the bank lady called me at an inopportune time to talk to me for some reason. 
I could not talk and told her to close the account again! 
The next week I see that the account had some drafts against it for overdraft fees and I went to the bank again and told them the account should have been closed and those drafts would have gone back to the vendor and they would have notified me but instead the bank paid them and charged me a fee for which they said would be reversed. 
The bank could not figure out how to reverse the {$36.00} overdraft fee. 
I sent my husband to the bank with the cash to pay the XXXX 's that were not supposed to be paid but alas, they were, and for getting the account closed. 
They still have not closed the account and other drafts have come through and the bank paid them instead of denying them as the account should be closed. 
I have since contacted all agencies that have that account and changed the XXXX 's. 
The practice of keeping an account open when told to close is should be illegal. 
Please advise.

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 2021-10-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2023-11-21
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The morning of XX/XX/XXXX I woke up to XXXX fraudulent transactions of {$1200.00}, {$1200.00}, {$1200.00} and someone sent themselves {$900.00}. I disputed the {$900.00} immediately and chime declined it the same day. I disputed it XXXX more times and they disputed them both. The second time I disputed I provided them with a police report. At this time the other transactions were pending so I couldnt dispute them. I disputed them XX/XX/XXXX those disputes are still pending but are not in the original amounts. The new amounts were split into XXXX transactions in the amounts of {$970.00}, {$970.00}, {$750.00} and {$470.00}. Including the {$900.00} this amounts to {$4000.00} that leaves {$500.00} of my money completely unaccounted for by chime. I have been a customer since XX/XX/XXXX almost XXXX years now and have never disputed a charge. Their customer service has been less than helpful and this is absolutely ridiculous. Someone was able to by pass the XXXX factor authentication and login to my account change my number to theirs and complete all these transactions. Chime put XXXX effort in blocking these suspicious transactions but blocked an almost {$30.00} transaction from XXXX XXXX a week prior. My email was spammed with XXXX of text messages and the spam hasnt stopped. I woke up to XXXX of calls and text messages as well that all occurred with the time frame of my money being stolen. Ive seen XXXX threads, XXXX videos and even news outlets that covered stories on the same fraud that happened to me and chime didnt help anyone of these people get their money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Payment of {$1000.00} made on using XXXX XXXX XX/XX/2020 was not posted timely to my account although Loancare received funds via a bulk payment # XXXX on XX/XX/2020. There mistake affected my account status and they refused to help me fix 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 2023-09-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter out XX/XX/XXXX to experian, XXXX, XXXX XXXX XXXX XXXX. However it has been more than 30 days and the credit bureaus failed to send my investigation back. This is not making sense. 
According to the law 15 U.S. Code 1681i- procedure in case of disputed accuracy. If the completeness or accuracy of any item of information conatined in a consumer & # 39 ; s file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: National Credit Systems,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: Account status incorrect

Complaint:
I am deciding to reach out to CFPB because I have made my payments owed to National Credit Systems in balance totaling {$3000.00}. This company has a record of collecting money from their customers and not reporting that it was paid for to credit agencies. In this case, they have still not reported a closed account to XXXX XXXX XXXX for me. This has not just happened to me but many people also seeking for account details to be updated properly ; some seeking lawsuits against National Credit Systems, I would like to report this agency for fraudulently advising me to pay this debt in full but with no intentions of actually removing it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: EQUIFAX, INC.
State: IL
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:
filed several reports ftc report police report XXXX  and XXXX  complied with the laws and removed all negative items that where requested equifax still show these requested items on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX accounts. I dont have the account numbers because I didnt get them. They arent mine and I dont know why they are on my credit.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and I am writing to file a complaint regarding the method of verification that was used in response to a dispute I submitted to your agency in XX/XX/2023. The dispute was regarding. 

I received a response from your agency on stating that the disputed item ( s ) had been verified as accurate. However, I do not believe that the method of verification used was appropriate or thorough. 

According to the Fair Credit Reporting Act ( FCRA ), the credit bureau must conduct a reasonable investigation into any disputed information on a consumer 's credit report. This investigation includes verifying the accuracy of the information with the entity that provided it. 

In this case, I do not believe that a proper investigation was conducted. The verification method used by your agency was not disclosed in the response I received. Additionally, I have reason to believe that the information provided by the furnisher may not be accurate. 

I am therefore requesting that your agency conduct a new investigation into this matter, using a reasonable method of verification as required by the FCRA. I am also requesting that you provide me with a detailed explanation of the method of verification that was used in the initial investigation, as well as any information obtained from the furnisher. 

I understand that the FCRA requires that you complete your investigation within 30 days of receiving my dispute. Therefore, I am giving your agency 15 days from the date of this complaint to respond with the results of your new investigation and a detailed explanation of the previous method of verification used. 

Thank you for your prompt attention to this matter.

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 2023-10-10
Company: Global Lending Services LLC
State: TX
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:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved will be filed if all derogatory remarks are not removed from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every day multiple time a day chase bank credit calls me. I've gotten to the point I don't answer unknown numbers because the calls came from different numbers. I've spoken to the rep. I've informed them of my situation and why I'm behind and verbally reinforced that when I have the money to repay them I will but until my pua appeal and non fraud overpayment gets approved I have no options right now because all my income was taken when pua document didn't get submitted in time. The verbal agreement to try to pay by the 1st didn't stop them from continuing to call multiple times a day wether I answer or not. It is causing me so much stress it's unreal. I know what the issue is and agreed to make it right when I can but they won't stop calling every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: COMMUNITY BANK SYSTEM, INC.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had payment taken weekly and I was under the assumption and was told the bank was applying that money towards the load principle weekly. Come to find out they were hold my money until enough money was there for a full payment. My payments should of went directly on the load. The bank owes me for all the extra interest charged me because it should of been going down weekly not monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: FL
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:
I am refinancing my house with XXXX XXXX  and apparently, I took too long to send the information they need. The first inquiry was made on XX/XX/XXXX which I did authorize but later talking with the loaner agent he mentioned that needs to run my credit score again, I said DONT DO IT, next day I got a notification from XXXX  XXXX about that inquiry. I have screenshots that can submit. The inquiry I don't authorize was made on XX/XX/XXXX. XXXX XXXX  record all their calls so you can ask them for the call on XX/XX/XXXX with XXXX XXXX.

Company response to consumer: Closed with explanation