BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX we were having trouble keeping up on top of our bills and called Wells Fargo to see about applying for the Affordable Housing Mortgage. Because we were not behind on our payments at that time Wells Fargo instructed us to stop paying our mortgage and call back in 3 months to get the process started as we needed to be behind 3 months before they would help. We stopped paying our mortgage for 3 months and called again. They sent paperwork for me to complete and fax to them. I had faxed this information several times, in which they said the paperwork was old and that I needed to send this information again. This went on for months. In XXXX of XXXX Wells Fargo stated that we were not denied the modification and because we did not send in the paperwork they foreclosed on us. I saw in XXXX that Wells Fargo had been found to have illegally foreclosed on home owners and they had sent out money to those that had been impacted. Because I had not been contacted by them, I reached out to them and asked Wells Fargo for documentation. They have sent me documentation with very conflicting information. They say I was not in contact with them, but they have call records that state I was. They said they made several attempts to reach me regarding documents needed without success, however they have records again of me being contacted and receiving the information they needed on time. They state they have done nothing wrong, even though the paperwork says otherwise. I then saw that Wells Fargo again was made to pay people for wrong doing and again I have not been contacted by them. Please see attached documentation.

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 2020-09-11
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX - XXXX - Is reporting inaccurate information on my credit report. they are reporting a 30 day late XX/XX/2020 and I have never been late on any account ever in my life. I actually had set up auto draft with XXXX, as I have many accounts with them. I set up the auto draft and payments with a representative who actually made a mistake & put the payment toward one of my other accounts in error. I have never been late & I have & have had multiple accounts with you guys for as long as I can remember. I am a long time customer and this was not my fault. 
I would like this late removed due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been charged twice now by automatic payments for a car loan on a XXXX XXXX XXXX. XXXX XXXX XXXX found no error but I just received my 2nd returned check fee for another unauthorized payment dated XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX I called Titlemax after seeing their commercial stating " Get a title loan with Titlemax. '' I wanted to know how it worked and I was told that my car would be used as collateral so I scheduled a time to come in. I brought in the title to my car and explained I needed a small loan. After they inspected my car and took pictures and sent to the corporate office for approval I was told I was approved for approximately {$3000.00}. I only needed {$500.00} so that was what I borrowed. I was told the due date and amount I would need to pay the following month. So I made the monthly payments and as time went on I was enticed to borrow more and since I'm on Social Security Disability ( SSDI ) I often needed it. The problems began when I actually had to borrow money to pay the current payment. I had no idea or understanding that my payments were actually interest only payments and none of it was going to the principal balance. Once I called and told them my payment would be late because I only get my SSDI once a month they charged me a daily late fee plus additional interest. I once asked if I could change my payment date so it would be close to the time of my SSDI payment so I wouldn't be late on my payments again but I was informed that they could not change the due date. For someone on a fixed income/low income I was drowning in this title loan debt. There were so many fees, interest charges that always got higher and daily late fees that I could no longer understand or keep up with. Rolling over the title loan from month to month and never being able to bring down the balance I actually owed forced me to file chapter XXXX bankruptcy on XX/XX/XXXX as I needed some help with a more manageable payment plan that I could afford to pay based on my income. I would later find out that Titlemax didn't have to participate in bankruptcy proceedings due to a ruling by the US Court of Appeals for the XXXX Circuit Court. I find it appalling that they refuse to negotiate a more reasonable payment plan and would rather repossess my car than get paid even through a Bankruptcy payment plan. I am not trying to get out of paying what I owe but I think a more feasible plan is needed under the circumstances. It would be more cost effective to settle this outside of a bankruptcy court but if Titlemax  is not willing to lower my payments so I can reasonably pay off my loan then I will have no recourse but to fight them in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2020-09-23
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX- I sent XXXX via XXXX through BBT to XXXX for purchase of a personal computer and I did not receive the item. I saw this item on XXXX. I contacted my bank and they said the money had been delivered to the party and there is nothing they can do to reverse the transaction.

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 2019-06-05
Company: EQUIFAX, INC.
State: WA
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:
I bought a car on the XX/XX/XXXX from a dealer. The dealer sent off requesting credit from multiple creditors. All of the creditors received a response of a " XXXX '' that is XXXX credit score or it read N/A. I was forced to buy a car as my only transportation broke down. I am disabled and need transportation to doctors. I am paying 28 percent interest and should be paying 7. The company is Equifax and I have contacted them by phone three times and they ask questions that I would only know if I had a credit report, the one they refuse to give me. The latest attempt was today XX/XX/2019 and same results. This has and will cause me financial hardship. This company is holding my life XXXX and I want to file charges if I can. I have read a lot of complaints about this company on the internet and can not believe I am the first to complain. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I became unemployed and applied for unemployment benefits. On XX/XX/XXXX I receive an email from unemployment telling me that I had funds on the card already. I never received the card, so I was surprised that funds were put in it. I waited a few days and when I didn't get the card, I called the bank. It's Bank of America. She told me the card " had left on XX/XX/XXXX '' and that I would receive it, first she said XX/XX/XXXX, then corrected herself to XX/XX/XXXX, when I answered surprised at the delay. She then proceeded to tell me that for a {$10.00} fee, she could expedite it. 

First of all, how do you " expedite '' something that is allegedly already in the mail? Second, why were funds placed on the card before I even received it? Does the bank retain the card purposely so they can charge desperate unemployed people {$10.00}? I didn't need the money urgently but was inquiring as to the status of the card, but some people do. As a matter of fact, I got the card the following day, XX/XX/XXXX, so had I been desperate enough to pay the {$10.00}, it would have been in vain. 

Some people can not wait, and will pay {$10.00}. I find it abusive business practice to prey on unemployed people when it's THEIR card and THEIR money, and they need it to survive. If unemployment had already put funds in it, that means the bank delayed it purposely to charge this fee, and also knew I would get it anyway soon, but tried to charge me for this. Plus, what kind of mail takes 10 days to receive? Again, the clue is that unemployment thought I had the card, which is why they put funds in it. 

Please investigate this predatory business practice on a vulnerable population. They shouldn't be doing this, and I hope they don't have access to the funds and they're not racking up interests on unemployed people 's money because that would be a whole different and larger scam. 

I got my job back. I want to report this for others who fall victim of this practice. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had a previous Capital One Secured MasterCard credit card account. The previous account balance and debt I owed to Capital One Bank, was discharged under Chapter XXXX Bankruptcy in the United States District Court-District of XXXX  Bankruptcy Court on XX/XX/XXXX. I applied for a Capital One Bank Secured MasterCard and both of my applications was denied for approval and credit. Capital One Bank keeps denying my online applications for a Capital One Bank Secured MasterCard credit card account due to me for filing bankruptcy and getting the previous account I had with Capital One Bank discharged in bankruptcy court. Capital One Bank is discriminating against me by denying me credit and an opportunity to rebuild my credit, discriminating against me based on me filing for bankruptcy and based on my race, me being XXXX XXXX. Capital One Bank is in complete violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. I am sending a copy of this complaint to Minnesota U.S. Senator XXXX XXXX, Minnesota U.S. Senator XXXX XXXX, the Federal Trade Committee ( FTC ), the U.S. Department of Justice and Joe Biden, President of the United States to have this matter throughly investigated and amicably resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: WELLS FARGO & COMPANY
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 belongs to someone else

Complaint:
Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : WELLS FARGO XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

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 2020-08-13
Company: BCA Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BCA Financial Services for a medical debt of XXXX and XXXX has not shown me receipts or itemized bill or what doctor I saw. The bill has been paid. I have no record of this bill or what it was for. I have no idea what was billed to my insurance company. I have reached out several times in the past years and have not gotten a sufficient response or what the bill was for. They are in violation of the Fair Credit Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Already placed an complaint by phone with your office. However a repeat of what is going on is : Transunion do not have my credit score or credit history for me to view in order to place disputes. Upon calling Transunion Dispute Dept. I was redirected to what they call the special fraud dept unit. Upon speaking with them I could not verify my own information for them to release my credit score or history of my credit, because they say they can not verify my information to open my account. Transunion acknowledge that there has been some identity fraud as to why they can not verify the the right information. Bottom line they can not give me my score or my credit history and that was that. Now I should not be block from my own credit and the final deal is Transunion is selling me this : I can not verify then its nothing they can do. 

Besides filing a complaint with Consumer Financial Protection Bureau, I will wait the process from which you will receive from contacting them, and if Transunion have not fixed this violation of blocking me from my own credit I will be filing sue with my lawyer. 

I am in the process of straightening up my credit with the other 2 Bureaus with no problem, because I am attempting to buy a house and Transunion is holding me up with their unprofessionalism of how to handle identity theft. Surly is not to block me from my own credit and can not disputes items if I can not view the items to dispute and can not get in from the questions they use to verify who I am. 

This need to fixed ASAP.

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 2019-06-05
Company: FIFTH THIRD FINANCIAL CORPORATION
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 transferred XXXX from my Fifth Third Early Access Account into my personal checking account. The funds were credited immediately. I went to my local branch on XXXX XXXX in XXXX, Fl and withdrew {$550.00}. I wrote out a check to myself for the amount.The teller, XXXX verified the funds were in the account before handing me {$550.00} cash. I returned on XX/XX/XXXX and made a cash deposit into the ATM at the same branch. I paid several bills when the account was liquid. However, on XX/XX/19 XXXX withdrew {$1300.00} which created an overdraft, Instead of returning the check for insufficient funds, XXXX XXXX paid it by mistake. To cover their error they changed all the dates for all the deposits I made. Next, they reversed all the check payments that were made when the account was liquid and charged me overdraft fees. They also added a fake check # XXXX for another {$550.00}, and they claimed that check was never debited either. XXXX is the real guilty party by creating a document with fake deposit dates. My deposits were made with cash. XXXX XXXX is alleging I owe them {$1100.00}. I spoke with two bank representatives who analyzed the transaction record and admitted the mistake. She told me {$550.00} would be returned to my account within two working days. The funds have never been returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-26
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX did a wire transfer from XXXX bank to XXXX XXXX, XXXX Recipient Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX Routing Number : XXXX Account Number : XXXX Bank Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX : I was wire transferring money into my Binance wallet. Binance has accepted the money but not process the transaction in my account The amounts are {$12000.00} and {$1000.00}. After three days I see they still did not process the money. I sent in a complaint ticket. they asked for a video with me holding an ID to prove account I did. ( day 4 ) Then they asked my husband to verify account on XX/XX/19. He did. Then they asked for copy of the wire transfer on the XXXX we sent it. On Friday the XXXX we got email They keep sending the same email over and over but no resolution. Also sent a complaint to XXXX XXXX as they are the bank holding the money. 

XXXX XXXX USD XXXX Processing from : Wire Transfer XXXX XXXX USD XXXX Processing from : Wire Transfer This is the email that we keep getting hank you for contacting our team! We've received your request # XXXX. 

Please note that XXXX XXXX, will only process Wire Deposits during business days, Monday through Friday, prior to 12:00 PM Pacific Time. Wires Deposits submitted after this time will be processed on the next available business day. 

Failure to provide a reference code in the Message to Recipient or Beneficiary will result in a rejected deposit. If your Wire Deposit has been rejected, it will return the funds back to the sending bank institution under the condition they are able to accept in-coming wires. Please contact your bank for more information. 

However, if you have completed all of the necessary steps but have not received your deposit, please provide us with a copy of the wire transfer receipt provided by your bank, as well as the reference code provided to you by Binance.XXXX. For more information regarding Wire Transfers, please visit our support page : XXXX : XXXX Respectfully, BinanceXXXX Support Team Here are some great articles that may help :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
my complaint since XXXX of XXXX was why XX/XX/XXXX was returned? 

My bank has record of fund received for 24 hrs then returned. I received no alerts of return payment.

Citi bank personal account records show. 
{$31.00} beginning balance * XX/XX/XXXX Mobile Purchase Sign Based XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX Restaurant/Bar {$23.00} remaining balance * XX/XX/XXXX ACH Electronic Debit XXXX XXXX XXXX  XXXX {$6.00} end balance * XX/XX/XXXX Returned Insufficient Funds - ACH Txn By returning the payment Macys then charged additional fees. 
{$24.00} ytd fees XX/XX/XXXX statement on {$10.00} alleged balance. By XX/XX/XXXX statement a {$110.00} charges on the {$10.00} balance. 
This was disputed in XX/XX/XXXX and Macys should have of investigated and stopped collections but continued to add fees until I finally paid {$16.00} in XX/XX/XXXX. My account say in dispute on Macys.com.

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 2020-07-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company response to consumer: Closed with explanation