BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
EXPERIAN : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting AcXXXX XXXX Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction

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 2021-03-26
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, I took out a mortgage in the amount of {$360000.00} at 4 % with my father in law. My father in law unexpectedly passed away in XXXX of XXXX. I only make around {$49000.00} annually and have struggled to pay the {$2100.00} per month mortgage because my take home pay varies but is always no more than {$3100.00} per month. After I pay the mortgage I am left with less than {$1000.00} per month for all of my other living expenses. 

I submitted a request for a loan modification to Wells Fargo. I am hoping for a lower interest rate so that my payments are more affordable. Wells Fargo 's answer is to extend my mortgage to add an additional 40 years onto the loan!!! So rather than helping me solve my issue, they are acting in a predatory manner. Accepting a new loan for an additional 40 years after I have already paid on the loan for 4 years is XXXX  Wells Fargo stands to make an additional $ XXXX in interest on my loan if I accept the terms of their " help. '' This is ridiculous. They refuse to help me except to offer terms which are conducive to them XXXX me and making over {$100000.00} off of a 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 2021-09-13
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX Someone broke into my husband 's work truck and stole his wallet. We called right away and got our cards turned off and new ones sent out. I went to the ATM XX/XX/XXXX to get money out. I realized that somebody had withdrawn {$3500.00} from my account my account. And there was a XXXX deposit not made but myself or husband. I called Wells Fargo right away and told them there was fraudulent activity. They basically told me that it was impossible for someone to withdraw that kind of money that wasn't a cardholder or account owner without ID. I told them about my husband 's wallet. He was treating me like I was lying and some sort of criminal trying to claim Fraudulent actions. He submitted a claim and froze my account and supposedly put a hard lock on it so nothing was able to act or 2 access. Over the next 3 days from branch to branch the thief was depositing bad checks and withdrawing anywhere from a {$1000.00} to {$3500.00} A-day. The XXXX and XXXX of XXXX there was withdrawing of XXXX, XXXX, XXXX, another XXXX with a more bad checks. They closed my account and transferred all of what I had left for money into a new one for it to continue to happen. I kept calling Wells Fargo and telling them this and and it continued to happen.. When I was told this this was taken care of they drained my account down to XXXX. All I could do is cry. Then all of these bounced Checks started coming through and made my account negitive and then they dipped into my Wells Fargo credit card for the overdraft which went over my {$1500.00} credit limit which Now its going to affect my credit negatively. This is any persons worse nightmare. I had to borrow money for the XXXX time in my life from my father because I had no gas in my car or food in my fridge for my children..Wells Fargo refused to give me A-line of credit until this was taking care of. I have never been treated so badly being called a liar and basically a criminal. Every time I was under the impression that this had stopped and been taken care of on their behalf it continued to happen. They literally drained Everything I had to my name. I haven't received a phone call, feedback or an update as far as to what is going on on. I have try to call them and they just keep telling me that I need to be patient for a 10 day investigation. I have filed 3 different police reports in 3 different cities for these all happened in. I am defeated, anxious and scared. Wells Fargo has been zero help. I have been a customer of theirs since 2003 and I'm absolutely disgusted with how they have handled this. I am looking into hiring a lawyer in dealing with this otherways.

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 2021-04-07
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or around XX/XX/2021 we received a notification from the XXXX XXXX XXXX Tax Assessor that the school taxes due on XX/XX/XXXX were not paid by our mortgage company, Loan Depot. We emailed and called Loan Depot immediately to notify them, and attached the notice from the XXXX XXXX  XXXX as well to our email correspondence. Three weeks later, on XX/XX/XXXX, we checked our escrow account online with Loan Depot again and the taxes had not been paid. We then emailed again and received a response that Loan Depot would be paying the taxes. We again checked today, XX/XX/XXXX, and the taxes have still not been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Capital Credit and Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAPITAL CREDIT & COLL Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion continues to report an inaccurate and unverifiable bankruptcy even after I sent them a FTC identity theft report and official letter from the US Bankruptcy Court stating that they did not report the record to the credit bureau which means it cant be legally verified

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 2022-01-06
Company: Chime Financial Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime ( who operates with The XXXX Bank ) closed my account with no prior notice and no warning. They gave ABSOLUTELY ZERO explanation for why and never tried to reason with me. They said in an e-mail they would " send out a check within a month '' to my address, but I simply can not wait that long to pay bills as I am a full time college student. The initial email was received on XX/XX/2021. 

I have reached out to Chime no less than *4 times* to try to get a response from them to see what is going on, but every time I have been responded with " Our team will get back to you shortly. '' I still have not received ANY response from them at all. I am not a wealthy college student, not by a long shot. The {$3000.00} that was in that checking account is something I need to have on hand to buy things like food. 

Trying to call Chime on the phone, you are met with " We see that we have closed your account. Please e-mail us and we can assist you if you need. Goodbye. '' ( Paraphrasing slightly there ). Chime is making it absolutely impossible for me to make any contact with them, despite there being NO FRAUD IN MY BANK ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2021-07-01
Company: Experian Information Solutions Inc.
State: SC
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 have disputed an XXXX XXXX account on my credit report several times with Experian. The XXXX XXXX account shows inaccuracies between the bureaus. I have requested Experian to delete the account and provided proof of the inaccuracies showing between Experian and XXXX and they still did not delete. I filed a CFPB complaint 2 weeks ago and they responded stating they could not verify my information. At this point Experian is avoiding me and violating my rights by reporting an inaccurate account. FCRA protects me from inaccurate information reflecting on my credit report but yet Experian is disregarding my request after I sent proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
contacted Ccs collections about a debt that they have that's on my credit report and they said that they do not have any debt with my name or anything so I asked that if that info could be sent to my email and they refused. So debt they say they have for me but couldn't prove it needs to updated with all credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: WA
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit collection services has an account that is not mine, that i did not owe and that i did not have a signed contract with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Other fee

Complaint:
Consumer serviceMy problem is that this Synchrony Bank XXXX XXXX did not apply my payment to the higher interest account instead it was a applied to thelower interest account ( Balance before payment {$1500.00} after the payment {$590.00} ) The higher interest account did not go down remains the same {$4700.00} I have continued making the payments on this account never having any late payment. 
I had talked to the customer service dept before I made the payment they she assured me that the payment would beapplied to the higher interest account since I had already paid the payment due on the lower interest account. Needless to say they applied thefull {$1000.00} to the lower interest account. I have called them regarding this issue they explained that they had applied the payment to thehigher interest account which they did not. I sent a letter showing them prove they did not do what was promised. Hope you can helpwith this dishonest practice they want to charge the customers the higher interest of 23.99 % on the account. The lower interest of 4.99 % wasa promotion they offered for the life of the loan. 
Thank you for your time, XXXX XXXXXXXXXXXX XXXX, FL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I got paid {$2000.00} usd from my VA benefits on XXXX, XXXX 2019. After receiving my money on Venmo services via XXXX transfer I paid my car note, got a hotel ( currently XXXX  ), and got gas and a couple other things. Upon my arrival at the hotel I booked on XXXX   with my Venmo card i tried to pay the {$10.00} early check in fee my card was declined. I go to the gas station next door to get money off of my Venmo debit, its declined twice. I call Venmo and the gentleman told me there were red flags in the internal system so they couldn't see why my car was getting declined or what the flags were, due to the fact they were system generated. He also told me my account was in good standings so he didn't understand why it was being declined. I got od the phone an at some point sent my fiancee {$1600.00}. After a full day of emails and calls still getting the same result I get an email late that night stating that my account has raised a red flag and had been frozen. After calling an emails the women informs me that I was in violation of the User Agreement, which they still haven't told me what violation accured, but also told me my account was permanently closed and funds were refunded back to my account. The {$150.00} that they froze an i tried to send via instant transfer, which wasn't available then sent standard transfer had been refunded back to my account. Now Monday XX/XX/2019 the XXXX transferred to my account along with the {$40.00} my wife sent me. 

My wife just received a email stating that the {$1400.00} i sent her has been flagged an under investigation. They have given no reason for the flag or no resolution. The email stated that it will take 180 days to reach a resolution. We are currently XXXX  because of this incident with no sign of it being resolved. I have screenshots as well as times and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to dispute the charge off in the amount of {$360.00} of XXXX account # XXXX. It shows a last payment on XX/XX/XXXX in the amount of {$35.00} dollars. This is inaccurate. I have copies of my credit report ( attached with this letter ) from XXXX and all three bureaus show reported payments received from XX/XX/XXXX up until XX/XX/XXXX. The payments listed on the credit report come to a total of {$380.00} ; however, there is an in-store payment that is not showing on the reports, that shows as not reported by you, that is around {$260.00} which means that you have received a total of {$640.00} ; {$270.00} more than the amount shown as charged off.Further, the account was sold to Midland Credit Management ( account # XXXX ), who is seeking to collect on the account as well. 
Payments were made through the online payment system. Prior to making payments, I spoke with a customer service representative to explain my financial hardship and my plan to resume payments along with the amounts that I was able to pay in XX/XX/XXXX. The customer service agent assured me that payments would be accepted and that my account would remain open so long as I remain current with my payments. I was never notified that my account would be and had been charged off during that time. 
I resumed payments after my hardship, using the online payment system, in the amount of {$35.00} dollars each month starting XX/XX/XXXX and noticed that the balance would never change ; however, I was too busy to follow-up. I also noticed that I no longer had an available balance on the card. In XX/XX/XXXX, I went into a store to make a payment on my card in the estimated amount of {$260.00}. The store accepted my payment and I assumed it was applied to my balance. I made a final payment in the amount of {$35.00} in XX/XX/XXXX assuming surely this should settle my balance, but your records never reflected as such. If my account was charged off, all payments made should have been directed towards the balance. 
I also noticed there is a change in the original balance shown for the original charge off. My credit report from XXXX shows an original charge off in the amount of {$150.00} ; however, my XXXX report shows an original charge off in the amount of {$360.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I tried to buy concert tickets via cash app with my wells fargo bank account. I sent the month and never received my tickets. 

Date : XX/XX/2019 Amount : {$400.00} I emailed support at XXXX XXXX and they told me to contact Wells Fargo. Wells Fargo told me to contact 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 2020-07-15
Company: NRA Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked them twice not to call me at work. 

They, " National Recovery Agency '' want me to blindly pay them {$100.00} on an invoice they will not validate. Using the Post Office,  mailings and telephones in a bullying fashion. 

Their company : National Recovery Agency XXXX XXXX XXXX XXXX PA XXXX Phone # 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