BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: NC
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:
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 explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Told credit bureau companies to remove additional names on credit report. In addition to addresses and employment.

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 2019-03-08
Company: JPMORGAN CHASE & CO.
State: NY
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 received an alert that there was a transfer in the amount of {$1600.00} out of my checking account. I did not authorize a transaction for that amount, so I logged into my bank account and found that someone has transferred {$1500.00} from my 1 year old son 's custodial savings account to our checking account and made a XXXX Payment in the amount of {$1600.00}. The thing was the name was familiar, so I contacted the person because we are good friends and of course it was not them, even the number attached to XXXX   Payment did not match. I contacted the fraud department at Chase Bank right away and froze all accounts and reported the fraud. They said it was done through my login and device, however, I did not complete these transactions, obviously I was hacked. Next day went to the bank and closed all accounts and credit cards and opened new ones. I had noticed also there were small XXXX amounts being deducted the whole month of XXXX from his Savings until they transferred the large amount out. I put in a second claim and that one was refunded. However, they are now saying after a month of telling me one story after another. Chase has said they will not refund the money for it is not a fraudulent charge. It was not done under my account and usual device no flags came up. Even though I am disputing the payment and I did not make the payment. They told me there is nothing they will do. So now my son lost {$1500.00} through XXXX Payment to someone and they got away with it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a account from XXXX  on my credit report that was removed and now reaped on my report with a incorrect date and should be removed as it was removed by the company before

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 2023-05-11
Company: EQUIFAX, 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When my mortgage payments started my loan was sold XXXX and set up for payments with servicing company Wells Fargo. On setup of my payments I chose to have weekly payments for my mortgage for the benefit of paying off the loan earlier..as much as 7 years early ( knowing this from before ) based on a 30 year fixed loan. 

Soon I found out that I am not receiving full benefits of paying off weekly as servicing company is not applying my weekly payments against the principal immediately, instead they hold on to funds and wait until XXXX of every month and then apply it or waits for the 4th payment ( XXXX of the XXXX mentioned ). Therefore, hundreds of dollars every month in interest I pay extra. In this scenario of weekly payments I only receive XXXX of the XXXX benefits that weekly payments should give. 

Knowing how exactly mortgage works and that mortgage interested is compounded daily basis, this " inconvenience how servicer deals with my payments " is costing me NOT paying off my mortgage extra 2 years earlier and close to $ 50k in extra payments during the life the loan. 

I complained about this to Wells Fargo, but their response was simple as " That 's how we operate '' with no further explanation which leads me to initiate this complaint with CFPB.

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 2020-07-09
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX Credit collection services has been harassing at work to pay a debt in the amount of {$530.00} ; a debt I do not owe. I did not given any written consent for this company to have my personal or private information. I did not sign any contracts with this company. This company has contacted me many times via mail and on my cel phone to collect a debt I do not owe and they have no legal right to collect from me if I did. They have violated many of my federally protected rights as a consumer and caused me major stress while calling e at work interrupting my work.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had an impending fairly large purchase so on XX/XX/XXXX I went online to Chase Visa and made a payment of {$5700.00}. ( Attachment A ) That payment was drawn from my bank on XX/XX/XXXX ( attachment B ) I actually did not get credit from Chase until XX/XX/XXXX and a charge of over {$3000.00} was declined by XXXX on XX/XX/XXXX ( because my account was not credited with the payment ) ( attachment C ) I was quite upset as I had been on a waiting list for over 5 weeks for the declined charge and by declining it Chase put me back on another waiting list. I contacted Chase and was told that they had not drafted the money but put a hold on it until XX/XX/XXXX. Obviously this is not true per attachment B. The day after I called Chase credited the account I have also included a copy of my Visa statement from chase

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This collection appears on my credit report, I have never been in business with Credit Collection Services, Ive asked for proof for them to furnish my debt and liability and they havent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Synovus Bank
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Synovus Bank has locked my online checking account access and is not allowing me access to funds transferred to the bank to fund the account by ACH. I was notified of these actions through emails on XXXX/XXXX/21. I have since contacted the bank 3 times now and nobody can/will tell me what is going on and refuse to let me talk to the department in charge of locking my account. Also, I am being told that my account may remain in this status up to 60 days, which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My issue is in regard to my loan modification. Please see the attached pages as it clearly shows I met the obligation to provide the form to my current loan servicer to receive my last incentive payment of {$5000.00} My loan transferred from Seterus in XXXX of XXXX. As the attached documents show I met the dead line of XX/XX/2019 stated on the letter to submit the Real Estate Fraud Certification by the XX/XX/2019 deadline as stated in letter and am entitled to the last {$5000.00} incentive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
Since 2017 Wells Fargo Health Advantage has failed to update my  credit report for my account ending in XXXX. They show I owe over XXXX. The account has been paid on time since XX/XX/XXXXand should show a balance of {$2400.00} of the initial loan amount.

They have been contacted and given authorization to discuss this with my spouse, and they refuse to.

They are in violation of the FCRA and negatively affecting my creditworthiness for years.

The reference # they gave me Ref # XXXX. 

I am trying to refinance and their bad reporting is make it difficult for me to complete this.

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 2017-12-10
Company: ISIS SECURITY INFORMATION SYSTEMS INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XX/X/2017 {$230.00} XXXX XXXX withdrew this amount from my bank account without permission and without any legal rights. I have called the company and stated my complaint but nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. Not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 



Sincerely, 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 2018-08-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Credit bureau is in direct violation of GRAMM- LEACH BLILEY ACT, 49 CFR 801.56, FCRA, FDCPA and numerous consumer protection laws.

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 2020-10-18
Company: ALLY FINANCIAL INC.
State: MA
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:
This company ran my credit and I dont even know who they are, they put an inquiry on my credit report, what services do they offer, I would like to know who they are and why? If not I would like for them to fix this issue by deleting this inquiry from my credit report.

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 2020-11-25
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I used a referral link https : XXXX to download the XXXX  app, but I saw no confirmation upon sign up nor did I see anywhere within the app to add my referral. I requested by email that XXXX confirm the referral is on my account and that I will get the {$50.00} bonus if I receive a qualifying direct deposit of {$500.00} or more. XXXX email and phone support agents refused to acknowledge my promotion eligibility despite it being publicly offered here XXXX XXXX XXXX and me fulfilling the signup terms. 

I used the referral link https : XXXX. It goes to the XXXX website. The website then links to the XXXX and XXXX app store, with no personalized referral link, where I downloaded the app. I signed up assuming I was a referee. Nowhere in downloading the app nor in the signup process did it allow me to enter the referral code, or " order a card using the link provided '', or display the referral code in the original URL link. I asked XXXX by email and phone to please confirm the referral code XXXX  : XXXX is on my account as a referee. XXXX said it was unable to provide any confirmation and admitted by email that its system does not even allow the bank to confirm which codes are on which account : " Please be informed that we do not have visibility of your referral code and usually referral code will be included to the referral link email that you received. '' XXXX advertises the referral program but provides no way for referees to confirm the referral promotion is applied to their account nor eligibility for the {$50.00} promotion upon completion of the {$500.00} direct deposit. None of my account creation emails or materials provide any confirmation nor terms of the bonus despite this being advertised to the general public and the referral links successfully linking to the website. 

This is unfair and misleading as it tricks consumers into thinking they are a referee eligible for a {$50.00} promotion, thereby eliciting a direct deposit of {$500.00} with a promotion that is promised to the consumer but without confirmation of the terms provided before depositing the money. This also harms referer 's and robs them of their {$50.00} for the time they spent in acquiring referrals. XXXX is unfairly and deceptively tricking customer-referrers into advertising the product, promoting its website, and new referees depositing money with no confirmation of the terms nor way to track the earning of the promotional value offered. 

To date, I have received no automatic confirmation nor will XXXX provide a manual confirmation of the promotion being applied nor that it will be honored manually.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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 2017-03-13
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I deposited what turned out to be a fraudulent check drawn on Wells Fargo Bank by mobile deposit to my savings account at Wells Fargo on XX/XX/2017 at XXXX Pacific time for {$2400.00}. They gave me full availability of the {$2400.00} on XX/XX/2017 at which time I withdrew {$2200.00} and Wells Fargo then charged back the deposited check on XX/XX/2017 creating an overdraft in my account of over {$2000.00}. A Wells Fargo representative explained that they do not process mobile deposits until late the night one banking day after the deposit is made due to a Federal Reserve Bank regulation. This means they honored the withdrawal request before they processed the transaction. That gave me the false assurance that the deposited check was good. The cash is gone to the perpetrator and now the bank wants me to cover the overdraft. I am a XXXX and do not have the money. The fact they wait a whole banking day before processing these deposits is for their convenience and the consumer should not be held accountable for the consequences of this self-imposed delay. Also, the Uniform Commercial Code ( UCC ) 4-301 ( b ) addresses the final payment of on-us checks deposited and states that the payor bank has until midnight of the next banking day to decide whether to honor the check. If they do n't act by the midnight deadline, they lose the right to dishonor the check UCC 4-214 ( c ), 4-301 ( b ). The mobile deposit confirmation states " The following mobile deposit was made on XX/XX/2017 at XXXX Pacific Time '' and my account statement shows the deposit under the posting date of XX/XX/2017 so they obviously processed some part of the transaction on XX/XX/2017 in conflict with their stated practice of waiting one banking day. Therefore, under UCC 4-301 ( b ), the deposited check drawn on Wells Fargo Bank should have been returned and charged back under the posting date of XX/XX/2017. It was not. The charge back is posted under the banking date of XX/XX/2017.

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 2021-11-04
Company: Nickel City Group LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX " employees '' XXXX?? contacted me about a debt that I owe. After trying to ask numerous questions about the Debt and your company she got rude, ugly, nasty, belligerent, screaming and using ugly language to me and talking to me like I am just XXXX. She also gave all my personal information out to someone who called on my behalf without any consent on file. Please contact me please and thank you. I have filed a formal complaint with them but what if this lady is in the chain of commands and gets ahold of my report. I do not want her treating anyone else like she treated me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation