BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: ALLY FINANCIAL INC.
State: GA
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:
On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company 'XXXX XXXX '. I was willing and ready to use my XXXX XXXX auto loan without hesitation. 

My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a 'Fraud Alert ' on my XXXX which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions. 

I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders. 

I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan. 

*I tried to upload my XXXX XXXX Auto Navigator approved loan but since I purchased the car, I no longer have access to such document*

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 2021-12-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Also see CFPB Complaint ID XXXX I, XXXX XXXX XXXX issued a check # XXXX ( from my XXXX XXXX XXXX account ) in the amount of {$60000.00} payable to XXXX XXXX ( Wells Fargo customer ). On XX/XX/XXXX, XXXX XXXX Wells Fargo account was credited {$60000.00}. On XX/XX/XXXX, my XXXX XXXX  account was debited {$60000.00}, as my check had cleared. Straightforward transaction, end of story, so I thought. 
Over two weeks later, XXXX XXXX informed me that check # XXXX was returned unpaid, and {$60000.00} was deducted from her account, causing a {$59000.00} overdraft on her account. Wells Fargo also informed her that her accounts will be closed if she does not deposit money to replace the funds. She has been in contact with Wells Fargo customer service on multiple occasions and each representative has provided a different explanation and remedy. Per Wells Fargos request, both XXXX XXXX and I have faxed over a notarized Proof of Issuance, and confirmation that check # XXXX was paid and debited from the issuing bank account. 
After all of this, on XX/XX/XXXX, XXXX XXXX received a legal copy of check # XXXX in the mail as returned unpaid item from Wells Fargo. As of today, XX/XX/XXXX, {$60000.00} has not been returned to the issuing bank ( XXXX XXXX ), and XXXX XXXX account is still overdrawn. These puzzling Wells Fargo actions have caused unnecessary complication and wasted time/effort for all parties involved. XXXX XXXX has been gracious enough to further investigate to help resolve the issue.

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 2019-09-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I started the mortgage process with Chase bank. I supplied all the documents they asked for and was told that they had all the documents they needed to close on XX/XX/XXXX. The closing date was scheduled for XX/XX/XXXX. On Friday XX/XX/XXXX at XXXX XXXX I was told that they needed additional documents and they would be pushing back the closing to Wednesday XX/XX/XXXX. I immediate supplied the documents. I was in contact with the loan officer all day Monday XX/XX/XXXX. I was told at XXXX on Monday XX/XX/XXXX that I was not getting the loan. The reason was that I have a ira account and they want verification that I have access to 100 % of the money in order to give us the loan. I am XXXX and my husband is XXXX, we are living off of our 401k money until we are eligible to take our IRA with no penalty. I have substantial savings more than enough to pay for this loan without the IRA money. I asked them to apply the 20 % penalty and amortize the money and they said they could not. We would have to have access to 100 % of the money. 

We were very upfront with our finances. We should have not been able to proceed if they knew this was the case. It was very unscrupulous to wait until the closing date to tell us we could not get the loan. 

I am making a case for age discrimination, since I am not old enough to take my IRA without penalty and I was denied a home loan because of this. 
They had no problem taking XXXX from me to process a loan they had no intention of giving. 

I am losing this house, my earnest money and all of my expenses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried continuously to resolve the following errors and misinformation on my report with these agencies, but they have ignored my requests and have caused me a great deal of XXXX I have missed out on employment, housing, and loan opportunities due to their neglect. 
I submitted all the necessary information for them to block the fraudulent XXXX  XXXX account that is showing. I have sent in the FTC report, Affidavit, cover letter and everything else they needed and they still wont block this fraudulent account even after it clearly shows that an account was opened in my name, but my XXXX  misspelled my name.

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 2022-01-19
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mid 2021, 3.5 years into our loan, our mortgage company was sold from " XXXX '' to " Mr.Cooper. '' We pay our homeowner 's insurance via our mortgage payments and they sit in escrow until years end and the lender then pays my insurance premium. 

After exactly 4 years of owning the home they said they didn't know what company to pay the homeowners policy to since the previous company XXXX did not provide that info to them. They say they called my insurance company to get consent from me to pay the insurance. My insurance company says they would have called me in 3rd party to give my verbal consent and that they never attempted to contact them. 

My new lender, Mr.Cooper, then went ahead and signed me up with a new homeowners policy from what I believe to be one of their affiliates or entities. My previous policy premium was set to renew with a new amount of {$1100.00} per year. The new company called XXXX XXXX XXXX XXXX whos premium is costing me {$2100.00} per year. 

I did not consent to start this new policy and never received any attempts from Mr.Cooper to call me to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: LEXISNEXIS
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 have new and updated information concerning Lexis Nexis. I previously complained of Lexis Nexis ' illegal conduct under ID # XXXX, but received no resolution to my complaint. Lexis Nexis has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Lexis Nexis is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
USAA reporting late payment and upon review of documents submitted previously I still maintain the following which this company has yet to address : " USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. OnXX/XX/XXXXUSAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired in XX/XX/XXXX '' SEE ATTACHED EXH A. Sure they called XXXX XXXX several times but we all know the amount of nusiance calls received, however, that does n't get USAA off the hook for failure to contact me. I checked my credit report and it lists my employer and phone number. They could have easily contacted me to resolve the missed payment. I also have the absolute right to know I signed for a loan and review for proper contact information. If this turned out to be fraud what would USAA do exactly. They fail to address my issue or return my phone calls. Look I am still in college and this has tanked my credit score. I have attempted to contact USAA and left numerous voice mails and NO ONE returns my call. Who do I complain because this company does n't return phone calls and I 've returned calls multiple times with no response. I do work and attend school and they make no attempt to return my calls. My most recent filing was closed as no further information provided. I want to know that if I allow someone to use me as co signer and the loan is done electronically and I do n't have an opportuntity to correct wrong information provided by a third party it is not my fault. How does a lending institution make a loan, advise consumer you are a co applicant and the very first document sent to advise is RETURNED. That should have been a RED FLAG to either put the funds on hold or figure out a way to contact me with any numbers/address listed on all major credit reports. I need this issue resolved and USAA is unreasonable in attempting to resolve the issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2021 by certified mail I sent in a written dispute to Experian regarding an account with XXXX XXXX ( Collection ), that was being incorrectly reported on my file. After more than the 30 Days provided to the Agency to conduct a proper investigation on XX/XX/2021, I reached out to an Agent by the name of XXXX XXXX, who is an assigned case manager to my file. I explained that I was concerned as to why the invalid account was still being reported after the 30 Day period. The agent then stated that he would resend the dispute a second time, although the original time granted was expired and three days later I received a notification that the furnisher 's information would remain. I then recontacted the agent as to how was this second investigation completed after two days, as well as, questioned the lack of thoroughness and he stated that the company could simply reply yes or no to the information remaining on the account. Experian has failed to thoroughly investigate my dispute and remains reluctant to take accountability for their lack of efforts. This reporting has lowered my score by XXXX points when it first occurred and is havoc causing on my credit 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 2017-07-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX and Experian about a account showing on my credit report which do n't belong to me called XXXX XXXX. I asked them both to provide documents proving the account belongs to me on several occasions and they did not.

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 2022-01-19
Company: Experian Information Solutions 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-19
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: BAM Management US Holdings Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I transferred funds in the form of XXXX from my XXXX XXXX account to my Binance.US account. 
The transaction status says complete and funds have been removed from my XXXX XXXX but have not been deposited into my Binance.US account. 
I have made several attempts to contact Binance.US but receive the same automated message. 
They have not/ will not get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed a CFPB Case XXXX | Capital One Case : XXXX. 

Capital One one is playing a game, they are still charging me for the fraudulent charges on my account. They also have left a number to call which I have called over 27 times now with no response. 

XXXX-XXXX  is the agent handling my case. I have been calling from ( XXXX ) XXXX and she never picks up the phone or responds to any of my messages. 

Capital One is refusing to help me with these fraudulent charges and their billing department calls me everyday to tell me to pay for these fraudulent charges!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
To whom it may concern all of the following I never ever applied for. I have no knowledge of. Was never authored by me, Today 's date is XX/XX/XXXX. Over the past few months I have tried to get these this inaccurate on my credit report off my file. XXXX  - Card Service Inquiry from XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX  XXXX XXXX Inquiry from XX/XX/XXXX, XXXX - XXXX XXXX  Inquiry from XX/XX/XXXX, XXXX/XXXX  XXXX Inquiry from XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX Inquiry from 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 2019-03-04
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I recently lost my job and my mother was diagnosed with XXXX XXXX XXXX   XXXX with a few weeks to live. I notified the agent, asked to not receive calls at this time. The calls have not stopped but increased and on XX/XX/2019 XXXX XXXX I received a collections call to my cell phone. Yes at XXXX which caused us to wake up with panic thinking something has happened to my mom as she is currently under home XXXX XXXX in our care. 

I continue to receive the calls at all times and hours. I have screenshot my call records for that XXXX call a swell.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I sent {$730.00} to the wrong person on XXXX and I contacted chase bank to advise them of that. I was told that they would try to get the funds back and if they couldn't I would just be out of luck. On Saturday XX/XX/XXXX I received a credit to my account for the funds and it has been spent. Today on XX/XX/XXXX the bank took these funds back. I contacted to inquire why and they said it was a provisional credit. It was not explained to me that it was provisional, I explained that to the representative and she could care less. I asked to pull the call because it was not explained to me that way and she provided no solution except that chase could do nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe {$300.00} to this company and right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature along with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as XXXX XXXX. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. 
The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an FDCPA lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 public records data must include Ssn or dob in order for it to appear in your credit file the credit bureau has not updated the information and per the new law bankruptcy listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Advanced Resolution Services Inc.
State: GA
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:
On XX/XX/2022, I consumer XXXX XXXX sent ARS a request to obtain my consumer report. ARS have not sent me a copy of my consumer report.

Company response to consumer: Closed with explanation