BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
Company: EQUIFAX, INC.
State: NY
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 has filed inquires that were not made by me and sent to Equifax on the following dates -- - > XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have reached out to XXXX plenty of times and have even did all there instructions on writing a letter back to them to resolve this matter. Months have gone by and these items have still have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
I checked my credit report today XX/XX/2022 and found a lot of inaccuracies across all three bureaus.. by law my credit report must be 100 percent accurate. Please check the attached credit report I pulled today. Date last reported, Date last active, High credit limit, and Date of last payment is not the same across all three bureaus This is account for XXXX XXXX XXXX account number XXXX with the balance of {$3300.00}. Please remove this account for violation for reporting inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Navient Solutions, LLC.
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CITIBANK, N.A.
State: SC
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:
under civil litigation for unauthorized and fraudulent 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 2021-04-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase bank after being informed that my mother died, Denied that there were funds in my mothers bank account after I presented them with a small estate affidavit. Two weeks later XXXX XXXX sent my mother a thank you note for a car that was supposed to have been repossessed. Chase refuses to answer the question, " If there was no money in the account how did XXXX XXXX receive an XXXX payment. I am tired of Chase Bank they have continually committed fraud on my mothers accounts. My mother made XXXX per year and was never granted a credit card or a line of credit. She had 6 accounts with Chase, I'll have to find all of the account numbers. 
Walker

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
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:
Early last month I sent Experian a certified letter informing them of the inaccuracy on my report, namely inquiries, to date Experian has done nothing to correct this non sense that shows on my report. 
They could n't be doing an honest investigation because if they were they would see that I have not given anyone listed on those hard inquiries permission to check into my credit report for any reason. Further, they have no proof, no contact info, no contract, no signature proving anything, yet they continue in their inaccurate reporting. 
If they do not remove these inaccuracies from my report I will have to ask you ( CFPB ) to fine them for their non compliance of the FCRA, I will further file a complaint with the FTC, the attorney general 's office as well as the BBB.

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 2019-07-17
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXs send me a bill for lab services XX/XX/2017 for $XXXX. I disputed the debt in writing (certified mail) and asked for proof of the claim. Instead of providing any details, XXXX referred me to the referring physician. I demanded proof (certified mail) of the claim from the referring physician. I received no response. I filed an Insurance Fraud Complaint with the State of Nevada, Office of the Attorney General. I assumed the matter was dropped as it has been more then a year. BUTTwo weeks I received a demand letter from Credit Collection Services, XXXX XXXX XXXX XXXX, MA XXXX for the exact same XXXX XXXX debt claim of $XXXX. Verbal discussions with the physicians front desk indicate this may be a fraudulent "insurance" claim between the physician, XXXX and the Insurance. They also claim to have no written authorization from me to order any laboratory services. I am not sure Credit Collection Services are aware that they may be involved with a fraudulent money scheme.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: PNC Bank N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a PPP loan from the SBA in early XX/XX/. I had it deposited in the BBVA account ( which was originally an account I had with an online bank called Simple which was acquired by BBVA- which is now acquired by PNC or something ). The original amount was {$12000.00}. I started to make withdrawals according to the forgiveness rules of the PPP loan of $ XXXX as my " paychecks ''. After going through an arduous process of verifying myself each time I decided after the 3rd time to just get my money out of BBVA and move it to my credit union account. BBVA then claimed I had a $ XXXX  monthly withdrawal limit ( keep in mind, I didn't open this account with them, they acquired my account and applied their rules to it ). They originally told me my Simple ATM card would work but it never did and they wouldn't send me a BBVA ATM card. 

At some point in late XXXX they claimed there was suspicious activity and shut my account access down completely. After several calls to the " Fraud '' dept. I was told they had up to 45 days to " investigate '' and they couldn't give me any details. 

I waited until mid XXXX to follow up again and was told ( after sitting on hold for at least an hour 3 separate times ) that they decided to close my account and would be sending me a check for the remaining balance of $ XXXX. It's been almost a month and I still haven't seen any check and still can't get any answers from them. In the end they've held my remaining balance for 2.5 months and counting without ever telling me why. 

This was money given to me by the SBA as a loan but forgivable if I withdrew it in the proper manner which BBVA has completely interfered with and which may cost me the ability to get the loan forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Global Credit & Collection Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The company is XXXX  XXXX, and my family has been receiving calls from XXXX XXXX at ( XXXX ) XXXX. They have been harrassing my parents consistently over the last few weeks. She states in her messages that she is from XXXX XXXX, in Texas. And that I will find my self in legal trouble if I do not call back. She has also stated that they will have me located and arrested, even in my place of employment. Not once have they called me personally. They are attempting to impersonate the law and it needs to stop, it is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Name and address is not correct if sent in a dispute letters XX/XX/2021 and haven't received a response. This is causing great stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Depot XXXX LLC. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX We tried to make a substantial loan payment. We were sent wire instructions, went to our XXXXXXXX XXXX, wired funds per Loan Depot wire instructions to their XXXXXXXX XXXX XXXX Account. Funds were received on XX/XX/2021. Loan Depot , LLC refusing to accept funds, tasking us with undue hardship and further financial burdens. We have refused multiple ways to send a substantial payment on our recently acquired mortgage. This is a criminal act and against any and all documentation received during loan process. There is no early pre-payment penalties. We have no way to make a substantial payment against our mortgage. Loan Depot is unjustly charging interest on a payment we have made, that they refuse to accept, per their own process and instruction. 
We seek damages for any and all interest, serious undue hardship and our funds have been in limbo for now 5 days. Loan Depot , LLC loan practices are now illegal, and we seek any and all remedies from this Bureau and the multiple Attorney General Offices of the United States of America, Florida and Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Santander Consumer USA Holdings Inc.
State: NC
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:
So in XX/XX/XXXX my car was total in a hit and run accident. After notifying my insurance company, they notified my lender Santander Consumer USA. In which the total loss payout process started. XXXX paid over {$9000.00} and then gap was suppose to cover the difference. Fast Forward to XXXX XXXX Gap finally send out the payment to lender. At this point we have been getting called about missed payment and how where 60day past due on a car that was total. Before the accident my wife and I never missed a payment even paid early even after covid shut us down and I lost my job. I reach out to my lender to learn what going with our account, I found out that there was a remaining balance and I paid it even without having a job. I was told that they would back date everything but the only thing they backdate was the gap payment and still reported the late payment even after I paid. I called the lender first to try to resolve the issue being that we had amazing payment history with them and they told me it nothing they can do even in a state of emergency with Covid and thing being truly out of my hand but I made it my business to fulfill my end of my agreement with my lender by seeing the loan to completion. I have called my lender over 40 time from XX/XX/XXXX to XX/XX/XXXX and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of 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 explanation
Consumer complaint received 2021-02-17
Company: Rocket Mortgage, LLC
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX - applied for forbearance program covid related reduced income 2020 - approved - lender, Quicken Loans ( Rocket Mortgage ) still took payment ( automated ). They refused to refund the money - said it would make me delinquent and subject to negative credit reporting. I took the hit and borrowed at high interest loan to cover debt balance on checking and over draft fees in XXXX. They did this again in XXXX with a one time payment they claimed I setup - but when talking to them they said all payments were canceled. I said I could start back in XXXX but now this is looking to have caused 10 over drafts this month too.. I am back working and earning - but less than before - but still want to get back on track but they are not willing to reverse and are threatening to file negative remarks if I ask bank to stop pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Fifth Third Bank has reported me to XXXX for check fraud back in XX/XX/2017 and they are saying information is accurate. Ive sent over documents showing them that Ive made multiple identity theft reports because some use fraudulently used my information and opened this account online. I have made disputes with XXXX as well and i still got nothing. My current financial institution has placed a restriction on my account due to this matter. I have never had this bank and never opened an account with these guys and because of this i have no access to my funds in my current bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-12-08
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ameris Bank Mortgage had my loan for my home. I sold the home on XX/XX/2021 and contacted Ameris Bank the second week of XXXX regarding my escrow refund. I was told the check had been issued and mailed to the old address. I checked with the new homeowner and it had not been received there. I changed my address online and by phone with the escrow department. They told me they would wait 30 days from XXXX ( original date of issue ) and reissue but it could take 30-60 days before I got it. 
I called every XXXX weeks during that time with no update. Finally XXXX person told me they wouldn't tell me anything until the full 60 days was done. So I contacted them XX/XX/2021 ( more than 60 days after second attempt ) and they told me there " was no update '' on my issue. They couldn't tell me if the check had been cut or not. XXXX said she escalated to her supervisor and asked for expedited handling but that it could take another 30 days before it was cut. When I asked what I could do she said I could wait 30 days. I have now been waiting XXXX months for over {$3000.00} in escrow that belongs to me to be sent to me. And they are telling me I have no recourse but continue to wait. 
There has to be something I can do to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Wed, XXXX XXXX, I was notified by Wells Fargo Bank that my checking account balance was zero. I went on-line and saw that there was an error with Wells Fargo online Bill Pay system. Wells Fargo had paid one of my bills TWICE -- and the amount in question happened to be huge -- over {$6000.00}. Wells Fargo pulled money from my savings account to cover this " overdraft. '' I called Wells Fargo Customer service and was placed on hold for OVER ONE HOUR due to " high call volume. '' I hung up and tried customer service in Spanish ( 7-minute wait ) .. I was informed that there was a systemic computer glitch and many customers had the same problem. Wells Fargo had no idea when the money would be returned -- hopefully in the next few days. I was advised to monitor my account, not use my ATM card, and not write checks. Thankfully, I have no pending automatic payments. But what happens to customers whose checks will bounce, whose mortgage payments will not be made due to lack of funds? I would like Wells Fargo to return the money that it wrongfully removed from my account. But I also want Wells Fargo to contact affected customers, explain the problem, and offer an apology. This is a systemic problem. It calls for a systemic solution. Instead of putting the onus on individual customers to contact the bank ( and to wait for an hour to talk to a live customer service representative ), Wells Fargo should take the initiative and explain the problem to customers. I am filing this complaint to alert regulators to this problem because it is a systemic problem that requires regulatory oversight. I hope that the immediate problem will be resolved in the next day or two, but someone needs to figure out what happened ( what caused the computer glitch ) and help Wells Fargo develop a protocol for contacting customers ASAP when problems arise. This is the kind of incident that shakes consumer confidence in the banking industry.

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 2022-03-29
Company: OneMain Finance Corporation
State: FL
Product: Credit card or prepaid 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:
OneMain Financial placed a block on my credit card 2 months ago and refuses to tell me why or how to get the block removed. I've called the company for the past 60 days asking for guidance on what needs to be done. In my first call in XXXX I was told I needed to call my financial institution to have the block removed; meaning call my personal financial institution that I make payments from to OneMain to have the block removed. On my second call at the beginning of XXXX I was told that my name would go on a list and they are slowly working down the list to remove blocks. On my third call in XXXX I was told that a letter was mailed out to me to tell me how to lift the block but that they couldn't tell me what was in the letter or when exactly it was sent. On my call today I was told the same, a letter will be mailed to me but they don't know when. Each time I request a supervisor no one is available and I will have to wait XXXX to 5 days for a callback for which I have never received. OneMain charged me an annual fee to use a card for which they have restricted the use of and refuse to tell me what I need to do to have the restriction lifted! I would like the annual fee refunded and the block removed from my card!

Company response to consumer: Closed with explanation