BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I outgoing wire transferred {$3000.00} from my Kabbage account to my XXXX XXXX brokerage account. For reference, Kabbage is not a bank, but a fintech company that has an account with XXXX XXXX XXXXk. And XXXX XXXX has an account with XXXX and receives the customer 's deposit money through XXXX. I logged in to my Kabbage account and fill out wire transfer form, Of course, I correctly typed my name and XXXX XXXX account number as Further Credit to. However, unfortunately, the money was transferred to XXXX 's XXXX XXXX account with the further credit XXXX XXXX account number missing. On the XX/XX/XXXX phone call, the XXXX XXXX Money Movement team confirmed to me the situation below. They confirmed that {$3000.00} was deposited into the XXXX ' account, but XXXX XXXX could not deposit the {$3000.00} into our XXXX ' account because my XXXX account number accidently was missing, so XXXX XXXX confirmed that the {$3000.00} was returned and deposited to XXXX XXXX on XX/XX/XXXX. And they asked me to contact Kabbage and gave me a Federal Transaction Reference # ( XXXX XXXX XXXX XXXX XXXX XXXX ) or XXXX XXXX QMGF XXXX XXXX XXXX. For over a month now, I have inquired countless times with Kabbage wire team and XXXX XXXX, but Kabbage says there is no record or indication of returned {$3000.00} from XXXX XXXX XXXX XXXX, so Kabbage team they are no longer responsible and can no longer help me It has been over a month with both companies only evading responsibility. I sent money by filling out the wire transfer form correctly without any mistakes, but It's so upset and angry situation that I couldn't find the {$3000.00}, so I couldn't sleep and feel like died. My wife is crying every day because she feel so unfair, nobody trying to help us. Please please help me so I can find {$3000.00}. This is a big money that more than 2 Month rent for me. my email is : XXXX My phone # : XXXX XXXX XXXX XXXX XXXX resolution dept. XXXX ext : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX KABBAGE ACCOUNT NUMBER XXXX XXXX XXXX Account number XXXX This is the wire transfer Form I fill out from my Kabbage online account. 
Beneficiary Account Name : XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX XXXX Note : For Further Credit to XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 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 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 2023-02-10
Company: Experian Information Solutions Inc.
State: SC
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
Company: ID Analytics, Inc.
State: CA
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: Other problem getting your report or credit score

Complaint:
XXXX XXXX XXXX shows my report at XXXX almost 200 points bellow my other reports. they refuse to answer their phone or return a call no one ever answers their phone it's a total scam that someone will. online they request I send hard copies of my SSN and DL through the mail .. extremely unsafe. they have no validation for the score being so low and it's a scam company.

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 2023-12-09
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I have contacted Equifax about several innacuracies about my address on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX tx XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX I have never been associated with those addresses. 

Additionally, I request the update of late payments to accurately reflect my payment history. Specifically, US Department of Education Balance {$2700.00} opened XX/XX/XXXX  US Department of Education Balance {$3900.00} opened XX/XX/XXXX  US Department of education Balance {$3900.00} opened XX/XX/2XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please refer to complaint # complaint # XXXX and complaint # XXXX for the whole history! 
The loan service company BSI Financial Services has an extra charge even after the date they canceled the escrow account!!! Why did you close complaint # XXXX again without confirming with the customer?! 
The BSI company approved the escrow account on XX/XX/2021, after I filed the first complaint # XXXX. And I have immediately asked them to remove the escrow account and refund me. And they promised to do so!! 
But they cheated again, then I have to file another complaint # XXXX!! Now they have an extra charge of escrow amount of XXXX. Please let them refund the extra charge immediately, AND make compensation due to the late refund and extra charge!!! 
BSI, DON'T DO EVIL ANYMORE!! The whole process is a nightmare for almost one year. I was hurt deeply psychologically. Do something right!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
Settlement for Wells Fargo to account holders for unethical business practices brought to light by CFPB. 

I've just received a check for Remediation for a Credit account that was opened without my consent and discovered that all the treatment I've endured from Wells Fargo for checking accounts, mortgage, and auto loan were illegal and would also be entitled to separate Remediation checks. 

I'm assuming that I'll have to file separate claims for each of the accounts. 

Below documents show a fraction of the letters Wells Fargo sent every few weeks to reassigning a new Home Preservation Specialists that had me chasing my own tail for years trying to refinance an existing VA mortgage of XXXX opened in XXXX. I initially attempted to refinance in XXXX but was tortured with run around until XXXX when I received a notice of foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
Wells Fargo Credit Card Services ran my credit for a credit card on XX/XX/2023. I did not apply for any credit with them and when I requested an investigation they asked that I send a letter which I did on XX/XX/2023, they then sent a letter ( Dispute XXXX XXXXXXXX ) on XX/XX/2023, stating it was a valid inquiry. Because I did not apply for anything with Wells Fargo, I called their dispute line again on XX/XX/2023, to request proof that I applied for credit. At that time I was given a " dispute '' number XXXX and advised they would reach out within two days. Wells Fargo did not respond and has not provided the information I requested. 
It is clear to me that they did nothing to investigate this matter and have left the credit inquiry on my credit file. Please follow up on this sloppy and poorly handled investigation to ensure that consumers do not continue to suffer from these banks that have been allowed to become too big to operate.

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 2019-12-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting 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 2019-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting 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 explanation
Consumer complaint received 2021-12-14
Company: FISERV INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Unexpected or other fees

Complaint:
So I bought a product on my bank debit card money network in the amount of {$1200.00} the gentleman I bought it from stop responding after XX/XX/XXXX on a product I bought in XXXX. I put a dispute in to my bank account money net work. After waiting 90 days they refused to dispute the charge and told me it was a civil matter and when I ask to speak to a manager they left me on hold I called back and told be that its denied and there noting they can do. Horrible bank who will not help me on something I never received. My name XXXX XXXX phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
We requested for them to complete the modification, which theyve been dragging out and in lieu of they set a sale on my house. This loan was with XXXX XXXX then transferred to XXXX XXXX, then transferred to Shellpoint. And the date of the transfer to Shellpoint was XX/XX/2023, not even within a month of transfer to Shellpoint, they put a sale on my house, ALL THE WHILE I HAVE A MODIFICATION PENDING!! 
This is Dual Tracking and therefore highly illegel in the state of California and Federal. I have been trying to get a modification now for over 2 years and they keep switching servicer on me.

What should I do? Please, please help me immiedidately. This is urgen. I have a wife and XXXX children and an elderly mother in law who live at this home. We will be homeless if they don't do the right thing. 

PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
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:
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. 



has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an acct for my son in 2004. It had at least {$1200.00} in it. Citibank closed it with no notification to me and there is no history of the account ever existing. 
I have the paperwork from when I opened the acct and several deposit slips that are initialed and signed by the banker, that show deposits to the account. 
We never received any indication that the account was being closed. 
Citibank suggested that I file a missing funds report with the state but it doesnt seem that the funds are there. 
I dont know what to do. They have misplaced all of this money and have NO record of the account ever existing. 
We have contacted, via phone and in person, Citibank at least 5 times regarding this and they still have no record of this existing. 
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 2023-12-05
Company: Healthcare Management, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
For well over a month now after we filed XXXX XXXX  bankruptcy out of the blue we keep receiving calls & messages but when Ive called many times now they know Ive filed bankruptcy & it has been discharged!!! They keep calling all month of XX/XX/2023 & now XX/XX/XXXX tXXXX XXXX I want it to stop AR Services phone number XXXX when I ask what I owe they dont have a account for me???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: PA
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 previously disputed information through FTC and led a CFPB complaint for fraud with all three bureaus. I was successfully able to get responses from XXXX and XXXX When I spoke with Equifax, they initially told me they didn't receive my letter. This was the first part of the run around - this has been happening for months. This isn't the first complaint. After about 25 minutes on this last phone call, they stated they did receive it but it appeared that I didn't do it in their particular format. The information was in the incorrect spot. I'm reporting fraud on the inquiries of the accounts, but not that accounts have appeared on my report. I'm ling another report to include the correct information in the correct format as they requested. This complaint is because they refuse to properly report my information and have given my information without my written consent, with no proof of written/live signature from me. I have included the fraudulent account/inquiries, and will also include them in this statement. I stated that Per 15 U.S. Code 1681b - Permissible purposes of consumer reports, I have not given my written consent for my credit to be run or for these inquiries to have appeared on my credit. They are adversely impacting my ability to obtain credit and should be removed immediately. XXXX XXXX  ( XXXX ), XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX  ( XXXX ) and XXXX XXXX ( XXXX ). I'm tired of Equifax using my report however they want and holding my information hostage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo has improperly handled my escrow refund in an improper application of my payments. I have sold a property, and the amount of the refund check should have been $XXXX. Instead they sent me $XXXX. Wells Fargo removed $XXXX  from my escrow account on XX/XX/XXXX saying it was for tax payment, but then they did not send electronic payment to the tax authority until XX/XX/XXXX. By that time, the property had been sold (on XX/XX/XXXX), Wells Fargo had been paid in full for the mortgage, and the taxes had already been paid out of sales proceeds by the closing attorney as is required by law. So, when the XXXX  County tax office received the duplicate tax payment from Wells Fargo, they immediately processed a full refund to Wells Fargo which was sent to them within two weeks (please see attached documentation for address to which this refund was sent.) That refund was now sent to Wells Fargo more than 5 weeks ago, and I have talked to them multiple times about this, but they are claiming they "can't find it." Even if Wells Fargo lost these funds through their own negligence, they still owe me $XXXX  because it is not my fault that they have a systematic poor business practice regarding escrow accounts (a closing attorney has told me she has seen this happen multiple times with Wells Fargo, but that it doesn't happen with other banks.) I have made a good faith effort to resolve them with them, including speaking with at least 7 different Wells Fargo representatives in addition to calling the County of XXXX  Office of the Tax Administration twice. I have also sent written complaints to Wells Fargo two times, once through their online system, and a second time via a letter (attached). Receipt of the letter was acknowledge by the representative in a phone call they made to me on XX/XX/2019, but they still have not assured me that they will refund me the money that they owed me upon the closing of my mortgage account with them. Some documentation is attached to this complaint. I have more documentation if you need it (more phone notes, more statements, etc), so please feel welcome to contact me. Thank you for your consideration.

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: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I am writing to file a formal complaint against American Express regarding significant issues I have encountered with an American Express e-Gift card that I received from my employer on XX/XX/XXXX XXXX 

Upon receiving the {$250.00} American Express e-Gift card, I attempted to use it for online purchases at various shopping websites. To my dismay, the card was consistently declined. Perplexed by this issue, I contacted American Express customer support to seek assistance and resolution. 

The customer service representative informed me that the e-Gift card might not work at all merchants, despite American Express 's assertion on their website that it can be used virtually anywhere. Furthermore, I was advised to add the card to a digital wallet such as XXXX XXXX and attempt an in-store transaction. Unfortunately, even after following these instructions, the card continued to be declined, leaving me unable to utilize any funds from the {$250.00} balance.

This ordeal has been both frustrating and inconvenient, and it appears that there may be a systemic issue with the functionality of American Express e-Gift cards. To exacerbate matters, my research online indicates that others have faced similar challenges with American Express e-Gift cards. 

I believe that this situation goes beyond a mere technical glitch and raises concerns about the transparency and accuracy of information provided by American Express regarding the use of their e-Gift cards. The discrepancy between the advertised versatility of the card and its actual limitations is not only misleading but also a disservice to consumers who rely on accurate product information.

Company response to consumer: Closed with monetary relief