BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-05
Company: WELLS FARGO & COMPANY
State: TX
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 was notified by XXXX  that an account I had with Wells Fargo/XXXX XXXX had been closed. In the notations it said " Account closed at consumer 's request ... ''. I disputed this for a few reasons. First, I had never been contacted by Wells Fargo about this account nor had I in any way requested the account be closed. I then disputed Wells Fargo 's claim via XXXX  and have recently been told the exact same thing ; in effect, my dispute was worthless. Another reason I disputed this issue is that it's well known that Wells Fargo has had issues with ethics in recent years and this seemed to be another ( albeit small ) example ; misstating the facts. If Wells Fargo can actually prove that the consumer ( me ) asked for the account to be closed I will retract. However, I can not, no person can, prove a negative ; I can't prove something I didn't do other than simply stating I did not request for the account to be closed.

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 2020-12-17
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We are XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX we were one of the exhibitors of music show XXXX XXXX in XXXX, California. 
On XXXX XX/XX/XXXX we wired XXXX USD from our XXXX XXXX account ( XXXX XXXX XXXX, acount no : XXXX, route XXXX ) to Wells Fargo Bank account ( ACCOUNT NUMBER : XXXX, XXXX : XXXX ) as a payment for booth construction at XXXX show. And only after doing it we found out that the beneficiary of funds was a fraudulent supplier, who never had intention to build our stand. We declared the crime to FBI and claimed our bank to cancel the transaction at same time. But the only thing we received from Wells Fargo was an answer that we should deal directly with a company who cheated us, knowing perfectly that we got a victim of internet crime and would not obtain any answer back from the company which cheated us, once they got funds. 
i enclose invoice we received from the fraudulent company, our payment confirmation

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 2018-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got scammed through XXXX XXXX and cashapp out of $ XXXX.I was trying to call XXXX  costumer service about a reoccurring amount taking out of my account. Went online searching for XXXX  support billing. Got a number and called them and from there I started getting scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern, On XX/XX/XXXX, JP Morgan Chase failed to pay the homeowners insurance through XXXX XXXX XXXX XXXX even though there were funds in escrow available. I had informed Chase of this on XX/XX/XXXX when I received a notice. I was assured this would be taken care of and it was not. 
When Hurricane Florence was forecasted to hit the NC coast, I called XXXX XXXX in early XXXX of XXXX to see what I needed to do and was told Chase had yet to pay the premium and the only coverage I had was my wind and hail policy. A few days later Chase, XXXX XXXX and I were on a three-way call to determine what if anything could be done. XXXX XXXX notified Chase that no policy would be reinstated until Florence was no longer a named storm. Chase told me on the phone call that they would not leave me hanging. 
The damages exceeded XXXX and I was paid XXXX through my wind and hail policy. I decided to tear off the roof myself at XXXX XXXX XXXX. Two-thirds of the way of the roof repair in XXXX of XXXX, I XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXr. I had XXXX in XXXX of XXXX. Prior to the XXXX date, I consulted a mold remediation service in XXXX, NC because I found mold. There is no final estimate of the cost since I will have to move out of the residence while the extent of the damage is determined. 
I called Chase to see what they were going to do to help. I filed some paperwork and was denied any assistance. When I followed up and told Chase I was considering legal action, a week later I was informed our mortgage was sold to XXXX XXXX XXXX in Indiana. 
I want JP Morgan Chase to compensate me for the loss of the insurance coverage, the uncovered repairs, the remaining balance of my medical bills and for the mold damage yet to be determined. They did not live up to the responsibility of keeping the homeowners insurance in force. Their actions of selling the mortgage after I informed them I was seeking legal counsel just illustrates their underhandedness and the level they would go to in order to avoid doing what is legally and ethically right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
All the money was taken from my middle class tax refund card before I even gotten it and the company says it will take XXXX days to investigate if I will get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We ( XXXXXXXX XXXX XXXX XXXXXXXX ) opened a small business checking account with XXXX XXXX  in the year XXXX. Account Number XXXX and XXXX. 

We have held this account for almost 20 years including the transformation of XXXX XXXX to TD Bank. 

We have never had a problem with our account until XX/XX/XXXX. 

In XXXX of XXXX we experienced our monthly checks to our creditors for mortgage, utilities etc were not being paid even though we had deposited the funds into our account. 

After hearing from our mortgage holder and several utility companies that they had not received our monthly payments we contacted TD Bank. 

A representative from the bank informed us that a partial hold was placed our our account. Meaning that we were able to make deposits but not withdrawals and none of our checks would be able to clear. 

After repeated calls ( over 20 ) to the risk management officer, who never returned our calls we spoke with another representative form TD Bank who informed us she had never seen anything like this before. 

She stated that a walk in hold was placed on our account. The bank never contacted us by phone, email or regular mail. 

This incident caused much harm to our payment history for our creditors and much anguish anguish for our financial team. 

Ultimately several people from the ministry went into a branch office and met with a representative who removed the hold from our account and instructed them to close out th account. We were offered the opportunity to open another account with TD Bank. 

We closed the account and decided to move to another bank. 

We believe that the conduct of TD Bank was a violation of our consumer rights, the right to due process and our civil rights as a XXXX organization. 

We received no notification concerning this hold and no documentation. To this day no one has taken responsibility for these events. 

We are asking for acknowledgment from the bank for their actions and that the bank be sanctioned and or penalized accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
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 obtained my Equifax Credit Report and there was a Bankruptcy reporting from U. S. Bankruptcy Court listed on my credit report. I never gave Equifax any written consent to report or furnish my Bankruptcy public records. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy.

I wrote Equifax and notified them of the law they were breaking under the FCRA in addition asked them to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They responded with a letter saying the public record item Equifax  obtained through the federal courts and third-party vendor XXXX and kept the Bankruptcy on my credit report. 

Attached is a letter from a letter from the bankrupt courts in which they mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor t

he U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Also attached is section page 8 fr
om my XXXX  Consumer report in which under section 6 they have no Bankruptcy listed under my consumer file. Equifax is violating my rights Under the FCRA [ 15 U.S.C. 1681 ( B ) ] Also attached is Equifax response to there Reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: National Credit Systems,Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My rent was {$570.00} a month. I paid the rent on time and in full. I gave proper 30 day written notice that I would vacate. I did n't damage the unit. They took my entire security deposit. Their workers who many did n't speak English kept entering my unit without notice so I moved out. I let management know but the workers kept doing it. I do not owe this. I 've never been given written notice of the debt. I asked for it just about 2 months ago, again, and habe still received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Levy & Associates, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
1. A debt vaildation letter was sent out initially to verify the debt on XX/XX/XXXX to Levy Law Firm from XXXX XXXX the consumer to prove debt owed to this party. 

2. The final debt validation was sent out XXXX XXXX, XXXX to Levy Law Firm. No response to prove that XXXX XXXX is the owner of this debt. 

3. Judgement dismissed case without prejudice rewarded to defendant XXXX XXXX for XXXX in debt on XXXX, XXXX XXXX XXXX. Affidavit sent out to Levy Law Firm the owner and operator ( XXXX XXXX ) ( XX/XX/XXXX ) for violations and improper debt validations practices. XXXX Notice, Register mail number XXXX  XXXX XXXX XXXX XXXX XXXX. Contacted the " original creditor '' via phone XXXX XXXX Fraud Department and was told that this negative impact would be removed within 10 days. Spoken with XXXX ID # XXXX. Nothing was removed and outside the days of removal. 

6. Credit is still been damaged by " creditors '' Levy Law Firm on XX/XX/XXXX, affecting credit and FICO score reported by XXXX  , XXXX  and XXXX  . 

7. Letter sent out to the Secretary of State and Attorney General for violation of FDCPA 15 USC -1692. Waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Ive been a victim identity theft

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 2018-03-07
Company: USI Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
U S I SOLUTIONS. They also say they are representing a XXXX XXXX debt.That I owe the 3 XXXX XXXX debts. I looked up the website and it  says XXXX as well. I recently filed a complaint due to continual calls. i got a letter through this website saying they would stop. They are continuing. I got a call today saying to call right away. I called and got no answer twice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: EQUIFAX, INC.
State: MO
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:
I received financing from XXXX XXXX to purchase a mattress in XXXX XXXX. Unfortunately, I had to file for bankruptcy in XXXX XXXX. XXXX XXXX violated the stay when their Regional Manager, XXXX, wanted payment on the account in XXXX XXXX and then belittled me for not being able to pay " such a small amount. '' I also filed a dispute regarding the account being listed with a balance and the account was updated to accurately reflect that it had been included in the bankruptcy. The bankruptcy was discharged on XXXX XXXX. I have scheduled 3 attempts with XXXX XXXX for them to pick up the mattress. The first time was XXXX XXXX after the branch manager XXXX, called my work wanting payment for the discharged debt and I declined. He then called me again later that evening wanting payment for the discharged debts and when I continued to decline, we agreed to have the items picked up after 4 on  XXXX XXXX. No one came. XXXX XXXX, XXXX from XXXX XXXX called stating that the person who was to have picked up the items on the XXXX had XXXX XXXX XXXX and was unable to do so and we set up another time, XXXX XXXX after XXXX. Again, no one showed. XXXX XXXX they called my bankruptcy attorney making false claims that I was attempting to hide the property and that they had never set up any previous dates with me to obtain the recliner and mattress. I explained to my attorney these calls between XXXX XXXX and myself were recorded, therefor, I had proof these days and times were previously arranged with them and who then told them they had one last attempt  to pick up the items and that was set up to be XXXX XXXX at XXXX. XXXX XXXX XXXX arrived on time on the XXXX and got the recliner that was purchased on another account included in the bankruptcy, but when I informed them they also needed to get the mattress stated that XXXX XXXX had not advised them to get it and they would not be taking it. They had me sign that they had picked up the recliner and I made a copy for myself which clearly stated 1 # to be picked up and returned to XXXX XXXX and listed the recliner and it 's serial number. Today, not only did XXXX XXXX call to harass me again over an item I have made 3 attempts for them to pick up, but they also placed the account back on my credit report showing a balance, that it 's past due, which it was n't when the bankruptcy was filed and that it is open. This violates Federal Bankruptcy Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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: Information belongs to someone else

Complaint:
XXXX XXXX  / XXXX is a fraud account. this is not my account

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 2021-09-05
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
Wells Fargo made a big error there are 15 lates in a Mortage for wells fargo,,,, I already made a disputed directly to wells fargo they never fix the problem I also did a Direct dispute to XXXX  also didnt fix the problem they made a big mistake I am having Big Financial difficulties getting a loan to buy a Truck I need to work in my Company job position I end up making a complaint to you since is my last resource for getting Good results in my favor ... .They did report 15 lates in 2020 under the CARES ACT protection no leders or SERVICERS have to reports any lates under this protection .see attached proof of 15 lates and disputes made

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 2020-12-17
Company: Experian Information Solutions Inc.
State: OH
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 previously submitted a Police Report and FTC report because of identity theft. I am trying to purchase a home and there are still items on my report that do not belong to me : 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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I tried to have fraudulent data removed from my credit report and customer message service wouldnt help me and Im not able to submit a dispute through Transunions website and Im not able to view my report, updates, or prior disputed information on my Transunion account. The only way I know anything about my Transunion credit file is through the email I received from other credit monitoring services.

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 2020-05-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I joined Equifax just so I would get better service, and the service is still awful. I disputed one account last year and it was supposed to be removed, however recently I saw that Equifax is still reporting it incorrectly. I also have tried with all three of the reporting agencies about the removal of late payment, they can't be investigating it correctly because I contacted the company and was told that they could not find a late payment. Additionally, all of these companies report better scores when you become a member. This has to be fraudulent behavior. I would like to have all three companies to be investigated about having to be a member in order to get your score reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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