BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX I Made a transfer from savings in the amount of {$1000.00} to my checking on my mobile. 
I went to the bank at XXXX XXXX XXXX to retrieve the funds to pay bills and run errands. I attempted to withdraw the funds from the ATM -3 times. Each time I got a marigold box that popped up declining the ability to withdraw funds. I also got three emails /receipts information that the ATM transaction was declined and I couldn't process the transaction. On my mobile app, the monies were still in checking and so I figured since it was a holiday that maybe the ATM was out of money and would just try tomorrow. 

So, went home and logged back into my mobile app because I try and keep my ATM card locked as a standard until I go to use it. So, I logged in and the XXXX I transferred into checking was gone and it didn't go back into my savings either. I immediately called Wells Fargo in a panic to ask for help. They took a claim and said they had a department that handles these malfunctions and would pull the footage and audit the machine etc. and in 10 business days or sooner I would have it resolved. I felt somewhat upset and angered but my hands were tied and they said it happens. As I learned when they said it happens more than you know. As I learned when I XXXX it. So, I felt it would not be easy to wait 10 business days but I did. Today only be provided with answers if they won't give my money nor provide me with why or determination reasons. I know they didn't look at the footage or my emails their system auto-generates with receipts verifying I was not given any money. 
Today I called the branch manager direct and he opened a case with escalation. 
In the meantime, I now have no bills paid, XXXX to live on ..... 

This is cruel and nobody wants to look at the evidence which will prove my case. 

ATM FRAUD CASE FILED : XXXX Escalation XXXX ( Filed with branch manager based on that decision ) My monies should be protected from their inferior technology ... ... and accept they stole my money and refuse to provide any details. 

Attached are the receipts generated by WELLS FARGO declining my monies. Yet, the took the funds out of my account. ATM WITHDRAWAL AUTHORIZED ON XX/XX/29 XXXX XXXX XXXX XXXX XXXX AZ XXXX ATM ID XXXX XXXX  XXXX So, their own paperwork doesnt hold up to its accounting of my funds. Their system is defective and they wont assist or look at the evidence provided. Nor did they view the camera footage that will show the same as the paper trail of documents.

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 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX XXXX XXXX am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( 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 explanation
Consumer complaint received 2018-08-07
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently had my mortgage transferred from XXXX XXXX ( who I was completely happy with ) to XXXX XXXX XXXX, and this new company makes just charges endless fees. They charge a {$2.00} fee to pay online, which is absurd. I am trying to save the environment by reducing waste, AND I would be saving the company the expense of manually processing my payments. The fee that really pissed me off was an NSA fee which was incurred because I accidentally entered in my wrong account number for my first payment after the mortgage was transferred, entirely my fault and I have no problem paying that fee. My problem is the fact that they do not allow you to pay that fee online so you have to call their customer service line where you have no choice but to pay an additional {$5.00} fee so that I can pay off the original {$15.00} fee. I feel that my mortgage was transferred through no fault of my own, and now I am incurring all these new fees and inconveniences, that I never experienced with the almost ten years I was  with XXXX XXXXXXXX. I'm just pissed off and frustrated that there is nothing I can do about it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: IL
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 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
An inquiry was made to address the unauthorized creation and migration of accounts by bank staff. When it was asked about how this happened it snow balled from there. When inquiry was made of a CD opened XX/XX/XXXX no record could be found as stated by Wells Fargo 's staff whether opened or closed? This follow up was in accordance to a claim for faulty opening and creation of alternate accounts. This included a bank checking & savings account and a credit card both bareing the names of each of us. We had been customers for over 40 yrs as my wife was once the XXXX XXXX to the banks V.P. a position she left in XXXX. In XX/XX/XXXX my wife passed away, I then closed the checking & savings accounts along with submitting a claim to collect the last of cash deposits followed by paying off the credit card we held together. I soon received a letter from the bank informing me that that had closed my credit card after the last payment and where discontinuing my access, thanking me for their business. They clearly sought to divorce themselves of any involvement with me and my wife. I still retain proof of all accounts with Wells Fargo and am also a claimant in the lawsuit. I have yet to receive any answer to the savings CD we established. The document is signed by the bank representative with instructions noted that at maturity it is to be reinvested. To access the funds, both parties are required to sign for the money to be cashed out. This never happened!

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 2019-03-14
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Good Evening, I just got off the phone with the representatives with XXXX XXXX card services. I'm not sure where the breakdown is but I never had any account or relationship with your company, XXXX XXXX. This account does not belong to me it was actually for XXXX XXXX XXXX and I had no responsibility and never applied for giving consent for my ss card to be used. I need this removed out of my credit report once it for all. 

Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2022-11-18
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2022 I was notified that Experian is reporting XXXX credit cards as being closed when they aren't. They referred me to call the credit card companies and both cards are active. I want them to correct their incorrect information

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 2023-06-09
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Caliber Home Loans did not credit my XXXX payment correctly, applying it to the Principal rather than as a monthly payment. Each month Caliber is charging me a late fee, saying all my monthly payments since XXXX are late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Chime Financial Inc
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
On XX/XX/2022 I transferred {$100.00} from my chime checking account into my chime credit builder account. I then placed an online order with XXXX 's XXXX XXXX  in the total of {$73.00}. The attendant couldn't access the cage that had my item. So on Monday XX/XX/2022 I returned to XXXX XXXX XXXX XXXX  and the manager cancelled the online authorization on my card. But chime had closed my accounts upon speaking to the first representative and supervisor. I was told I'd have the funds sent to me in the form of a check. I waited a few weeks and was told by another supervisor that I'd receive the check by XX/XX/2022. I never received the check so I called chime customer service again. I spoke to another supervisor who told me he couldn't provide the tracking number and that he was emailing the department that could. He told me I'd receive an email within 2 hours of the call. I placed that call at XXXX and never received an email. So I called again Saturday and was told I should've gotten the check by the XXXX of XXXX. That supervisor told me he was going to have chime support contact me which I was never contacted. I then called again Monday morning which I also recorded the conversation with the supervisor Monday. She informed me the check hasn't even been printed. She also told me to contact chime support via email because they don't accept phone calls in that department. I emailed them and received a confirmation email. The confirmation email stated I'd be contacted about the situation within 2 hours. I never received any contact from chime. So I called again this morning and was told again the check wasn't processed and that a supervisor wasn't available. I contacted an attorney who advised me to file this complaint this afternoon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/ 2019 Specialized Loan Servicing modified my mortgage loan. 

While I was doing research I found Monthly Distribution Reports which are provided by XXXX XXXX, the Master Servicer of the trust that my mortgage loan is said to be a part of. These Distribution Reports are reports report on all aspects of these loans so that the IRS and the Trust can see what is going on. 

Surprisingly to me the information I found has a lot of discrepancies. Either XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and Specialized Loan Servicing are defrauding the IRS and the Trust or they are defrauding me. Either way I suspect some fraud on their part like I have always suspected. 

I have attached the Loan Modification Agreement, copies of the pages of the Distribution Report that is pertaining to my mortgage loan ( note that mortgage identifier is my originating mortgage loan number which is XXXX which you can verify on my Note which is also attached here to XXXX. 

You will note that the Principal Balance also called Actual Balance has a discrepancy of {$52000.00} The Balloon Amount listed on the Modification Agreement vs. the amount listed on the Distribution Report has a discrepancy of {$500000.00}. 

The Deferred amount on the Modification Agreement vs. the amount listed on the Distribution Report has a discrepancy of {$140.00}.

It is clear that there is some type of fraud that is involved in these documents. My Modification Agreement should be reflecting the amounts that are listed on the Distribution Report which is suppose to be the documentation everything is based from.

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 2018-11-25
Company: Experian Information Solutions Inc.
State: KY
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 reached out to each bureau six times including my most recent letter XX/XX/18 and before that XX/XX/18. I am a victim of identity theft. I have reached out to each company in question and t hey are unable to validate me by any information I provide them. Not even my social. I have asked them to remove and block these accounts six times and they respond by asking me to verify my identity by sending in proof I am me. I have sent in proof four of six times with no response or them saying its valid with no investigation or proof its valid. When I reached out to companies they said they have no record, notes, etc. they were contacted by anyone to validate outside of myself.

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 2019-11-27
Company: LEXISNEXIS
State: OH
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:
My name is XXXX XXXX XXXX XXXX am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Innovis
State: OH
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:
My name is XXXX XXXX XXXX XXXX am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns has called me a total of 9 times so far today XXXX XXXX XXXX between the hours of XXXX today. I answered the call on my lunch at XXXX XXXX and spoke with a person named XXXX. I let her know that I am at work and their repeated calls are causing a disruption and that the could have left a message and I would have called back when I was free. I let her know that do to the overwhelming about of calls in a short time span that I feel harassed and want my phone number removed. I also have received a text message as well as an email from Conns today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 reached out to each bureau six times including my most recent letter XX/XX/18 and before that XX/XX/18. I am a victim of identity theft. I have reached out to each company in question and t hey are unable to validate me by any information I provide them. Not even my social. I have asked them to remove and block these accounts six times and they respond by asking me to verify my identity by sending in proof I am me. I have sent in proof four of six times with no response or them saying its valid with no investigation or proof its valid. When I reached out to companies they said they have no record, notes, etc. they were contacted by anyone to validate outside of myself.

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 2021-06-08
Company: EQUIFAX, INC.
State: IL
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 submitted a report and it was resolved but I am not able to see the results of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Creditor has continuing to report a private loan that has exceeded 7-year period on my credit report. While checking my credit report, I notice an account from NAVIENT that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent certified letter, to all three credit bureaus ( See attached ) letting them know that NAVIENT was reporting obsolete information on my credit report and so far, I have not gotten a respond from them. I am asking you to please help me to have this information removed from my credit report.

Company response to consumer: Closed with explanation