BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off 2 of my accts with XXXX  XXXX. I was told if i do so i can get an auto loan because i wont owe them anything. I paid on 2 closed accts XXXX and was declined auto. When asked why it was because i owed them money. But i was told it wouldnt be held against me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-01-15
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 an 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 explanation
Consumer complaint received 2023-08-01
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open an account and was denied. When I asked why I was denied I was told by someone in the fraud department that I they could not help me and they couldn't tell me why. See attached email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I 've sold an item on XXXX and funds were sent to paypaI. I 've tried withdrawing my funds and my account was restricted. I called paypal and they stated they will not release my money until 180 days. My case ID # XXXX. Email address : XXXX I have {$290.00} in my paypal account.They were suppose to release funds after tracking and proof of delivery. I have provided them with all and they still holding my funds till 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: BROKER SOLUTIONS, INC.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage through New American Funding in XXXX. At that time, my payment was set up for monthly autopay with funds being withdrawn on the XXXX of each month. 

This past XXXX, the payment was generated two days early - on the XXXX, which then put my account into overdraft. 

I called New American Funding on the XXXX to find out why the funds were pulled two days early. The customer service representative told me I would need to submit my question online and to include proof of the withdrawal. I sent an email to " XXXX '' and included a screen print of my checking account showing the early date the funds were pulled, and my account with a negative balance. That amount would have been higher had I not transferred funds from another account. 

New American Funding 's response : Thank you for your inquiry. Normally the transaction would not take place until the scheduled time and we are not sure why they tried to take it on the XXXX of XXXX. We have you set up for the XXXX every month. 

We have received your bank information and forwarded it to our Cash department for review. Please allow them until the XXXX of XXXX to complete their review and provide us with an update. 

I received no reply, so I sent another email on XX/XX/XXXX asking them to provide me with the findings from their cash departments review. I had hoped to have an answer by now. 

New American Funding 's response : Thank you for your attention to this matter. 

We have submitted a follow-up request to our Cashiering Department to research why the XX/XX/XXXX ACH debit was processed and cashed prior to the scheduled debit date. An update on this research will be available by XX/XX/XXXX. 

Once again, no reply. 

This has me very concerned. I authorized my payment to be set up for autopay to make it simpler for both New American Funding and for me. But pulling the funds prior to the date we had agreed upon is not right. Is it even legal? Will it happen again?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Since I've been with Wells Fargo I have had XXXX new debit cards issued to me due to charges that were not made by me. 
It's a hassle to let the merchants of Bill pay know of the new cards each time.

And 1 time I overlooked to let one know and was charged late fees.

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 2021-07-25
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This is a complaint regarding Zellepay.com. Someone closed my account without my knowledge. I contacted Zelle to determine what transactions may have been done without my permission prior to the account being closed. Zelle stated that since my account was closed they were unable to provide any recent transaction information. As a result, I am unable to determine the extent to which my account may have been accessed or used without my authorization. 

I opened an account with Zelle a year or so ago. The last authorized payment I received through Zelle was XX/XX/2021. 

On XX/XX/2021 my XXXX  cell phone number was ported without my authorization. 
On XX/XX/2021 someone attempted to access by binance e-wallet without my authorization. 
On XX/XX/2021 someone attempted to use my credit card without my authorization. 
On XX/XX/2021 I decided to close my Zelle, XXXX and XXXX accounts due to security concerns. 

On XX/XX/2021 I was unable to login to my Zelle account in order to close the account. When I contacted Zelle via their customer service phone number I was told that the account had been closed. I never received an email notice from Zelle that the account had been closed. 

I asked Zelle to provide information about the most recent transactions ( basically, any transactions that may have been attempted or took place on XX/XX/2021 to XX/XX/2021 ). The customer service rep stated that since the account was closed they were unable to provide any information regarding recent transactions. Without knowing what transactions may have been attempted I am unable to determine whether someone attempted, or gained access, to my Zelle account without my authorization. I do believe the account was accessed without my authorization because the account had been closed without my authorization sometime after XX/XX/2021. 

I am contacting CFPB in an effort to receive information from Zelle regarding any access to my Zelle account on or after XX/XX/2021 and any transactions that may have taken place or been attempted on or after XX/XX/2021 to XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reported multiple accounts on my credit report that didn't belong to me. I wasn't updated about investigation.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ive called many times asking why theres an online account when Ive never opened an account with Wells Fargo online and the money deposited was used without any authorization

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 2023-01-10
Company: KEYCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX XXXX XXXX key bank decided to closed my account with XXXX XXXX of XXXX they say they will issued a check, they did issued a. Official check on XX/XX/2022 and I made a deposit into my XXXX account, XXXX  took 7 bussiness days to clear that check. On XX/XX/2022 XXXX sent me a letter that they decided to close my account because they detected fraudulent activity they were not able To verify the official check key bank sent to me, that check was issued through XXXX XXXX pay to the order of key bank. Unfortunately key bank has not being able to solve my issue I do not have a response from them I do not have money since theyve took it and i need it please assist me on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I've been charged XXXX every month since I've opened the account, and when I asked the representative on the phone call when I opened up the account last year, she stated I wasn't suppose to be charged. But I kept being charged.

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 2020-11-02
Company: BARCLAYS BANK DELAWARE
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:
I opened this Barclays credit card, used it and paid it in full with a XXXX balance owed. When I moved overseas in 2015, there were fraudulent charges made on this account that caused the account to go into collection and report adversely on my credit report. The FTC Identity theft report, police report and letters were forwarded to the fraud department and the executive president 's office. Additionally this account was sold to XXXX XXXX who also received the fraud information ; they investigated and deleted their reporting but explained that they did not have the authority to delete Barclay 's erroneous reporting.

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 2018-03-02
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have requested that this company Optimum Outcomes Inc, send me proper validation that this account is mine and is correctly reporting to the credit bureaus, but they have failed to do so. I have been requesting information about this debt for the past 6 months and have not received any information. According to FDCPA : The collection agency has 30 days to respond to your request. If they dont, they are not allowed to make any more collection attempts on the debt. If they do, theyre in violation of the FDCPA. 
I have requested that Optimum Outcomes Inc. send me the below information : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? 
Amount paid if debt was purchased : Commission for debt collector if collection efforts are successful : A copy of the agreement with your client that grants ( Collection Agency Name ) the authority to collect this alleged debt. 
A copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. 
A copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. 
Copies of all statements while this account was open. 
Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one )  Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : Authorized Signature For Creditor But since it has been more than 6 months I am requiring that Optimum Outcomes remove all information from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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 noticed several credit card accounts on my credit report that does not belong to me. 
XXXXXXXX XXXX Account Number XXXX... Date the Account was opened XX/XX/XXXX XXXX XXXX... Account Number XXXX... Dated the Account was opened XX/XX/XXXX XXXX XXXX ... Account Number XXXX... Date the Account was opened 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 2020-11-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Over charged for pay day loans

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 2020-11-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Fraudulent Unauthorized XXXX  transfers from Chase checking account On XX/XX/2020, 3 XXXX payments were initated and 2 were successfully completed. These were all made in the very early hours of the morning, outside of the account holder 's current pattern of use for the past 5+ years. The transfers were made in short succession. The 3rd one ( {$800.00} ) was correctly marked as fraud by the bank 's system, but the first two ( {$840.00} and {$800.00} ) were allowed to go through. 
A claim was filed for fraud charges with the bank, but it was deemed that they were no fraudulent. A 2nd, 3rd, and 4th fraud charge was filed my the account holder ( or reinstated the first depending on terminology ) for the same issue. 
Screenshots detailing a new device accessing the checking account in the days that the transfers were made as well as an added phone number and email to the account were provided. The bank felt these were not enough to prove the transfers were fraudulent but refuse to offer what information would be helpful. XXXX was never used on the account previous to this and has since been denied further access to the account as far as the account holder can tell. 
4+ calls to the Online Fraud Department as well as visiting the bank branch proper have yelded no resolutions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-03
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 * {$85000.00} was transferred by wire to my mortgage company and listed as unapplied funds XX/XX/2021 *i contacted mr. cooper and was told the funds would be applied in 2-3 days and posted as of the XXXX XX/XX/2021 *i contacted mr. cooper again about the unapplied funds and was told it was not enough to pay off my mortgage. i explained again i was not trying to pay off my mortgage, it was to be applied to the principle. i was informed it would post in 3 days and be applied as of the XXXX of XXXX XX/XX/2021 *i called mr. cooper and spoke with an agent who told me the funds would go through within 24 hours. i informed her i was already told twice that this would happen and did not want to end the call until i knew it was resolved. 
*i was transferred to escalations who informed me they wired my money back to my bank account because it was not enough to pay off the loan. i explained yet again it was not a payoff and that it was to be applied to principle. then i was told they wouldn't accept it because it was more than 90 % of the payoff amount. there is nothing in my mortgage, nothing on their website, nothing on my monthly statement indicating this 'policy '. no one that i communicated with before or after the wire transfer stated this policy. i asked about the wire transfer fees, the interest accruing since the XXXX, and was told these were all my responsibility and there was nothing they could do. 
*i called my bank and they have no record of the wire and let me know it should be there by the XXXX of XXXX. at that point my money will have been tied up for 3 weeks. it will take another 4 days for it to be sent back to the mtg. company. in the mean time, i am incurring interest on {$85000.00} of my loan that i should not be accruing at $ XXXX a day. 
*i called mr. cooper back and filed a complaint and was told i should speak with a manager *i called mr. cooper again and asked for a manager. i was sent to escalations for the 3rd time. i reiterated that i wanted to speak to a manager. i was on hold multiple times throughout this over 30 minute call. still no manager. still unresolved. 

all i want are the wire fees to be refunded and balance to be applied to the principle as of XX/XX/2021 when they were originally received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/XXXX, I spoke to a representative from XXXX XXXX who was the reporting company over a collection from XXXX XXXX XXXX. I discuss this account with her and she said this account been closed since XXXX XXXX XXXX  and was reported to all agencies for removal. Nevertheless all reporting agencies have report this account as a derogatory on my credit report. I am not aware of why it is still being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Nelnet, Inc.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Student loan was placed into administrative forbearance and is accruing interest. Previously was on the repaye plan and now on save. Both of which have reduced interests payments. Called to be placed on save and to start payments, but they are unable to process the plan. 

This is very frustrating and is accumulating over {$1000.00} of extra interest every month.

Company response to consumer: In progress