BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo case number : XXXX and XXXX Account number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX Consumer Financial Protection Bureau , case number : XXXX The person ( XXXX XXXX, Escalations Representative Enterprise Complaints Management Office ) is not investigating the case as per the evidence. His responses ( same representative, BIASED ) is not looking at the facts when deciding the issue. The last response is based XXXX ( c ) of our Online Access Agreement. As per agreement, the bank should have REJECTED my deposit immediately, but they accepted the check, and then 9 months later a fraudulent reproduction of the check/endorsement was submitted at another bank, also without an endorsement as stipulated in section 9 ( c ), and Wells Fargo decided to return the money to the institution that issued the check instead of denying the return.

Wells Fargo has a FRAUD issue and it does not want to PUBLICLY acknowledge that someone had access to my online deposit and later used the front part of the check with a different endorsement on the back to redeposit at another institution. 

Wells Fargo is willing to spend thousands of dollars in personnel and time to dispute their error, instead of doing what is correct, and returning the {$200.00}.

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 monetary relief
Consumer complaint received 2020-03-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Today XX/XX/20 I noticed that there are 25 inquiries on my credit report that were not made by me. The reason I noticed these inquiries is because I went to XXXX  to apply for the XXXX XXXX XXXX and when they ran my credit, they told me I was not approved due to these inquiries lowering my overall credit score. I don't know who is responsible for making these inquiries but I did not allow anyone to do so using my personal information. I have already filed a police report and a complaint with the CFPB regarding this suspicious activity on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: CHECK INTO CASH 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:
on XX/XX/XXXX I was on XXXX XXXX and noticed an inquiry that I did not authorized, from XXXX XXXX XXXX. I immediately called the company and was told it would be 30 days to get a response. I filed a fraud alert with XXXX XXXX police department report number is XXXX. I kept calling the company, no response from fraud department. I emailed XXXX and have not heard back. It is now XX/XX/XXXX and the company has done nothing to help me. I did put a freeze on all my credit via fraud alert. 
Can you, thank you, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I would like to request you investigate my Discover bank account with account number XXXX. I am a victim of Identity Theft. I am writing to request that you block the following fraudulent information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: LEXISNEXIS
State: FL
Product: Credit reporting 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:
Received letters from home owners insurance company XXXX XXXX XXXX XXXX XXXX, that the credit rating was insufficient. 
They subscribe to Lexisnexis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Flexible Finance, Inc.
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
FLEX pay received a written request by email to cease and desist any authorizations to a business debit card regardless of how it was added on file and FLEX pay charged the payment anyways to the company debit checking account despite the cease and desist removal of the card. The company is now deciding whether or not to honor the dispute however the charge was sent to a business account and the company sent a cease and desist request of the removal the of the card on my behalf. It wasnt honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Certified Credit Reporting, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. 

XX/XX/XXXX - XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XX/XX/XXXX, XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. 

XX/XX/XXXX, XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XX/XX/XXXX - XXXX XXXX No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XX/XX/XXXX - XXXX Mortgage - XX/XX/XXXX - XXXX Mortgage - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XXXX XXXX- XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XXXX XXXX, XXXX, XXXX XXXX Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XXXX XXXX, XXXX, XXXX Mortgage - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XXXX XXXX XXXX - XXXX - XXXX XXXX, XXXX, XXXX XXXX Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: McCarthy & Holthus, LLP
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
it appears there is a respa violation re pmi mo kickback scheme of 40 % plus alleged late fees being allegedly paid when upon default the pmi reinsurer paid XXXX when the servicer instructed me to default which caused a XXXX XXXX and additional emotional duress they have alleged XXXX is in a escrow account yet i am paying my property taxes directly to the assessor and there would not be any pmi mo or pmi mo late fee ... allegedly every mo the date is XX/XX/XXXX amt XXXX and XXXX ... total XXXX after 12 years.. 

XXXX would have paid XXXX upon default and the servicer instructed me to default XX/XX/XXXX which caused a XXXX XXXX and emotional duress thereafter since they allege they are paying the pmi mo this would indicate the respa violation is renewed so the statute has not expired. 


it looks like they want to be compensated that XXXX amount if the judge should grant them a foreclosure which i am fighting and disputing since they forged all the docs see attached all their docs are forged and they have never verified their docs are legit ... which they aren't everything fabricated by XXXX XXXX and XXXX XXXX XXXX  XXXX a person that alleged to be XXXX was actually a XXXX XXXX  employee named XXXX XXXX ... passing himself off as XXXX the file shows who he is with and then after mediation he made a request for payment of fees ... i was forced to sign out under duress ... see attached file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Credit Corp Solutions Inc.
State: FL
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:
-They called me Tuesday XX/XX/XXXX on my work phone. I told them it was a work phone and to stop calling me. They told me they would remove the number. They called again on Monday XX/XX/XXXX on the same work phone. I repeated the information that it was a work phone and to stop calling me. They called me again on Wednesday XX/XX/XXXX on the same work phone number. 

-They block the number they are calling from and it is a fake number. When attempting to call the number back it simply reports it is not a working number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received from Synchrony Bank an email that my payment for an account I have with them for the purchase of a XXXX XXXX bed was not received on XX/XX/2023. The payment had been made through my XXXXXXXX XXXX account for {$200.00} on XX/XX/2023. The same way all of my previous payments were made. They claimed to not have received it. They wanted me to send copies from my bank statement as proof & to talk to XXXXXXXX XXXX  I visited XXXXXXXX XXXX  on XX/XX/2023 and they confirmed that the payment was made and received by Synchrony Bank. I mailed to Synchrony Bank copies from my XXXXXXXX XXXX  Checking account showing the payment was processed on XX/XX/2023, a portion on my XXXX XXXX Statement showing the {$200.00} payment and a copy of all payments going back to XXXXXXXX XXXX being made the same way through XXXXXXXX XXXX along with a letter outlining the issue including the name of the contact person at XXXXXXXX XXXX that I spoke to & their business card. I received no response. Last night I received another email from Synchrony Bank saying they have not received my XXXX payment which I made through XXXXXXXX XXXX  on XX/XX/2023 for {$200.00}. When I called them today, I was told they have no record of either payment. They dont know where my {$400.00} went, that they did receive my mailed in information but that it takes 90 days for them to look at 4 pieces of paper & if they cant find what they did with my {$400.00} that I am responsible to send them another {$400.00}. They claim the only way they can track payments is if I make them through their website which is utter nonsense because they have received all of the other payments I made. I believe there is some type of fraudulent activity within their system. Where did my {$400.00} go?

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 2022-02-09
Company: EQUIFAX, 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:
After reviewing my credit report, I discovered some items that were incorrectly reported. The XXXX has given me the authority to dispute and change information in my credit report that I believe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I told the Experian, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my 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 explanation
Consumer complaint received 2023-11-29
Company: Opportunity Financial, LLC
State: TN
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:
On or about XX/XX/2017 a lian was taken out in the name of XXXX XXXX. This was then tied to my social security number due to identity theft. This has been stated to opportunity financial. They are now suing me for a debt that was challenged as identity theft. Loan was applied for online in what appears to be Iowa. Loan is not in my legal name. Loan is past the statue of limitations in TN. I strongly urge opportunity financial to assist with marking this as identity theft as other items on my report have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: TX
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 recently checked my credit report and there I discovered a lot of inquiries from unknown sources. These was not authorized and should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The U.S. Department of Justice ( DOJ ) filed the actions on behalf of the FTC. In both of these cases, XXXX and XXXX violated consumers ' privacy by calling people who specifically had asked these companies not to call them again, said FTC Chairman XXXX XXXX. 

XXXX  XXXX  XXXX XXXX  bill

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 2023-11-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a PayPal Credit Card account from Synchrony Bank, and the card was stolen nearly 2 years ago in XXXX XXXX XXXX almost 2 months after I had opened the account. I had reported it immediately and customer service had stated that the card would be locked and that I would receive a replacement within a month. It was never replaced or locked, and PayPal Customer XXXXupport has continually refused to help me with this matter to this day, even to XXXX XXXX that they hang up on me when I try to call them every month. When the card was stolen, I had a {$0.00} balance. Recently, Synchrony Bank has sent me to collections for a {$4200.00} balance which I do not owe as the card was stolen when it had a {$0.00} balance and in the meantime my credit score has dropped from over XXXX points to around 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 2023-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The account was closed without notice. We were only informed that this was a thing because of an email on XX/XX/XXXX stating the account was under XXXX dollars. This triggered me to called as I had over XXXX in this account. 

They stated they mailed us but the letter was sent to an address that I do not live at. I was also not told via email to look out for a letter or any other method of contact. There are multiple ways of contact they could have used. 

I called and my mother called and asked what happened. We were informed that BOA closed it and was mailing a check out for the amount that was in the account at the time of closure. Which was in the range of a little over XXXX. On XX/XX/XXXX a check was sent via XXXX  but it never made it to me. XXXX  has since marked the package as damaged/missing and it was destroyed. On XXXX I called BOA to address this with them and they stated to contact XXXX  as it was their problem now but BOA wouldn't be able to run a new check until it is returned or a 120 days has passed. BOA did confirm with me that the check was never cashed and XXXX  as confirmed with me and sent an alert to BOA that it was damaged but yet BOA refuses to reissue a check. So now I am out XXXX for the next 120 days. I found BOA to be less than helpful as they could verify the check hasn't been cashed and could easily reissue a check for that is rightfully my own money. They should have never closed that account and it is frustrating that they did and now I am worried how i will be able to pay some upcoming bills that were put aside into this account. I was also told that only a paper check could be sent. In a world of digital transactions, it is very annoying that they couldn't do a ACH transfer into my account at XXXX XXXX if I am to verify my identity as an account holder on both my own XXXX Bank but also the BOA account that was 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 monetary relief
Consumer complaint received 2023-11-29
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit 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:
On XX/XX/XXXX  I received online offer from Amex to open Delta SkyMiles credit card, spend {$1000.00} within 6 month and receive XXXX miles. 

I opened the card and spent miles however Amex refused to provide promised XXXX XXXX miles. 

Amex charges {$99.00} yearly fee. 

If XXXX miles were not offered to me I would not open card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt company ceased the collection debt, but Experian is not fixing my credit score or taking off the collection debt, been going thru this for months.

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 2020-11-11
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Sequim Asset Collection attempting to collect a debt from XXXX XXXX  from XX/XX/XXXX. i have no debt with XXXX XXXX I sent them written notification to Sequim asking for verification of this debt per federal guidelines. they have sent no verification of this bill as of XX/XX/XXXX. they have posted it as collection against my credit reports from XXXX  and XXXX. They have been called and still refuse to get a verification of this debt to me as required by FDCPA and CFPB guidelines. They state I just need to pay this bill. It has already been over 30 days since they signed for my letter. Can you please help me in getting this removed from my credit and getting them to stop harassing me and trying to destroy my credit

Company response to consumer: Closed with explanation