BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Many many Overdraft fees even on pending charges

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon checking my most recent credit report, I noticed that you are continuously reporting an account with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed TransUnion with regards to this issue and I have not received any response from them until this date. Listed Below is the account in question : XXXX XXXX XXXX {$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 non-monetary relief
Consumer complaint received 2017-12-20
Company: EQUIFAX, INC.
State: MO
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 have several inquiries on my credit report with Equifax that i did not authorize. I have sent letters to them and faxes disputing these inquiries and was told to contact the companies. When I called the companies they told me that it was up to the credit bureause to remove the unauthorized inquiries. I then contacted the credit bureaus again and then was sent a letter from them stating ( Please note your specific consent to the release of your credit information is not necessary for a permissable purpose to exist. ) These are hard inquiries which lower my credit score. And if I dont have to give my permission then why are inquiries even a contribution to any part of a credit score. I did not authorize any of the inquiries listed below. Equifax : 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. I did not authorize these inquiries with any of the above listed companies on or around these dates. Thank You for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX  Advertised a 5 % cash back on everything offer until XXXX. After I made purchases, they cancelled the account, and stole all of the rewards I had earned and refuse to pay the 5 % they advertised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
With zero notice, Chase Bank closed my account. I called them, but they refused to tell me why my account was closed. Further, they couldn't tell me when my money would be returned to me. Very shady. 

I feel like they are very discriminatory perhaps because of my ethnicity, my age or my gender. 

They didn't even attempt to reach me before closing the account. They didn't want to discuss it. They made an arbitrary decision based on some unknown factors. 

There was nothing strange going on with my account. I had just funded it a week earlier. It was in good standing. In fact, I had set up a transfer of money to give them even more money. 

Chase Bank 's actions clearly caused me to not have access to my money. And not having access to my money is currently causing extreme financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our house burned down on XX/XX/23. The insurance company sent the check for {$610000.00} with my wife, I and SPS Mortgage company. We signed the check and sent it SPS Mtg on the XXXX. I called every day for 9 days, SPS stated that they didnt receive it up until the XXXX. The same day I was told by the Loss department of SPS that the check came.I revealed that the check was stopped and another endorsed check was sent on the XXXX. The check was cashed on the XXXX and I was told that it would take up to 30 days to receive my approximately {$470000.00}. I have called over XXXX times and never can get any definitive answer to what the actual procedure was and the last 4 times Ive called have received 4 different answers. SPS Mortgage has refused to give me my {$470000.00} dollars. How do I get my $?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Penn Credit Corporation
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It was reported on XX/XX/2019 and its def inaccurate because I have spoken to XXXX XXXX and they verified that this info is not accurate at all because the accounts that I have with them is up to date and def not that much money please if something is not done in removing this account from credit I will most def take further action and if i have to it will not be good thanks again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: W&A Intermediate Co., LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX and Wakefield associates keep selling the debt back and forth. This debt is from identity theft someone in another state XXXX miles away used my name and personal information to obtain XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX az. I live in New York and have never traveled or lived in az in my whole life. These people need to do a better job verify who they are seeing. If they would have asked for Identification or my health insurance card. They would have easily seen the person they where seeing was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: MI
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:
As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. I was never late on these account. I've already sent a request to Equifax to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items : XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
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:
XXXX XXXX XXXX XXXX # XXXX has lates that I should not have. I started bill pay with XXXX XXXX  to pay my mortgage and I did not know that they were taking 7 days to send it. On the XXXX late I went into the bank and paid it XXXX XXXX processed it like a cashier 's check which charged my bank an extra {$50.00}. All my efforts to get these lates removed have done nothing.

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 2023-08-24
Company: EQUIFAX, INC.
State: PA
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 reputation is being damaged which is affecting my credit worthiness making it difficult for me to operate in commerce. XXXX XXXX states that you must have a permissible purpose for which I have never provided " written instructions '' for you or any other furnisher to furnish anything on my consumer report. This is a violation of the FCRA and I'm demanding you to remove these accounts from my credit file. You have an obligation to ensure that I have a fair and equitable consumer report, please fulfill it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2020-01-31
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I notified Shellpoint Mortgage that the borrower XXXX XXXX had passed away and that I was a Successor in Interest in the property. Despite being notified the lender, Shellpoint Mortgage sold the property at foreclosure auction. The property was reverted back to the lender on XX/XX/20. This is a violation of the Basic Rights Under California 's Successor in Interest Law as well as CFPB Rules and the Garn-St. Germain Depository Institutions Act of 1982. This is a violation of all the law and according to the title company who informed me that they can not issue title insurance on the property this also provides grounds for a case of Elder Abuse against the lender which is actionable on behalf of the borrower/victim on behalf of her estate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: LendingPoint Holdings LLC
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:
I have no knowledge or affiliation with and would like to have these accounts DELETED from my credit IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I noticed a fee of {$2.00} on XX/XX/20 for anATM balance inquiry using card # XXXX, which I had reported stolen, and presumed cancelled, on XX/XX/20. Not only did I not make the transaction resulting in the {$2.00} fee, it also should have been impossible given that the card was not in my possession and inactive, according to XXXX phone customer service but apparently not the case.

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 2019-06-09
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 status incorrect

Complaint:
Upon checking my credit report for updates, I found 6 accounts that were listed as in dispute by consumer. The previous report weeks before did not show this. The accounts listed in dispute were NEVER disputed. The accounts are also duplicate accounts. 
I have disputed other errors on other accounts but NEVER these listed accounts. The accounts in error are XXXX XXXX/XXXX duplicate reporting XXXXxxx Never disputed and always in " Good Standing ''. XXXX XXXX XXXX  XXXX Same as above. XXXX XXXX XXXXxxx- Never disputed Always in good standing. These accounts are also beyond the legal statute for reporting. 

Last month these accounts reported positive! 
I have started the legal process seeking damages.

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 2019-06-09
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was looking for tickets to a sold out show to see XXXX XXXX and I posted in the event 's page that I was looking for tickets. I got approached by this " girl '' named XXXX XXXX, which I dont even know if thats her/his real name, telling me that she got 5 tickets, seats 6,7,8,9,10 and she was selling them for {$70.00} a piece and I told her I needed 2 tickets and I asked her if she had proof of purchase which she provided, but i don't think it was real, however, I gave her the benefit of the doubt and proceeded to send her the {$140.00}, then she made up an excuse that she needed to drive and she was going to do it as soon as she got home but nothing ever happened and she got away with my {$140.00}. She told me to make the payment via family and friends, which I didnt seem to know the difference and that It wasnt covered by the paypal protection. 

I immediately notified paypal that I the transaction was a scam but they denied my case and that's what they said : Hello ____________, We received the case ( s )  you filed on XX/XX/2019. 

We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized.

If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: EQUIFAX, INC.
State: IA
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 the following inquiries listed on my credit file, are not mine, they are to be removed as fraudulent applications have been submitted in my name, hence why there is a fraud alert on my file. Should you have a better system I would have placed a security freeze but Equifax cant figure that out, nor do you have a website that works half the time. 



XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit was supposed to be frozen and no one should be able to access my credit report without my consent. But on XXXX XXXX XXXX they allowed ( XXXX XXXX  ) to pull my report and for what reason I do not know. On XX/XX/XXXX and XXXX they allowed ( XXXX XXXX ) to pull report also without my request. Then they allowed XXXX XXXXXXXXXXXX XXXX  to pull my report on XX/XX/XXXX and a credit union by the name of XXXX to access my credit that allowed me to end up with 9 inquiries I have sent in countless letters but they will not remove the inquiries even though its their fault.

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 2019-01-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
This morning when I arrived to work there was a phone call from Navient. They did not leave a message. Later in the morning, Human Resources provided me with a fax regarding a request for employment information. It was assumed that I was looking for work. This could put my current job in jeopardy. I have not contacted Navient to discuss this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a account on my credit report with Synchony Bank /Pay Pal which I have no knowledge about. I have never had an account with PayPal Credit. I have called and spoke to many people and no one can give me any information about this account except to say it looks like fraud. I have disputed this with the credit reporting companies and from what I understand that's all they do is verify account name address and personal information, they don't ask or verify whether or not the charges are legitimate or not. 
I have no knowledge of this account and it's difficult to obtain any information on the charges for this account. Also, if I may state this company has two accounts on my credit report with the same information.Thanks

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
When I told Wells Fargo I wanted to close my account, a few weeks ago, they told me I had to have a XXXX balance. Thats not easy to do without over drafting. I ended up over drafting and they say I owe over {$1000.00} because I over drafted. I kept getting charged overdraft fees especially in the last few months for every single bill, especially my payday loans and other creditors I owe, and that didnt help me get in good standing with any of them. To this day, I struggle to pay back what I owe because of Wells Fargo refusing to close my account and constantly charging overdraft fees for every 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 2022-03-09
Company: Experian Information Solutions Inc.
State: PA
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 am writing to delete the following information on my credit report. These items i need deleted have been enclosed within the report. My identity was stolen an I'm a victim of identity theft, an did not authorize these charges. Please delete these charges as soon as possible.

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 2023-11-22
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$1000.00} American Express gift card from my work. I was thrilled for this, because it seemed like it would be convenient, but I am now realizing that Amex gift cards barely work online. I can not make purchases online. I have been trying to spend {$130.00} of my {$1000.00} balance on XXXX since yesterday and I keep getting declined. I tried on XXXX and had a similar problem. Attaching a photo of my emails saying my payment keeps getting declined. I have checked the card numbers, I have removed the card and readded it, I have verified it through Amex, etc. To no avail. I dont know how Im going to buy my gifts for the holidays since my plan was to use this card for all purchases online because I dont have a physical card to use in person. Upon doing my research, this seems to be a common problem people have. I cant believe it hasnt been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-17
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting 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:
There are inquiries that I do not have accounts to or apply to. I would like them removed. 

Barclays Bank Delaware XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card I only have a bank account with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclays XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Possible Financial Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleg debt, nor therefore any such debt, in fact therefore exists

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