BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Good afternoon, Someone took money from my Wells Fargo checking account using two ATM machines. I filed a dispute and received a new debit card ( Claim # XXXX XXXX I assumed that, since Wells Fargo was sending me a new card they acknowledged there was a fraud, otherwise there would not be a reason to think the old card was not good to use. 

I called the bank on XX/XX/2020 and some specialist called XXXX answered with an arrogant and rude attitude. He kept raising his voice and interrupting me and told me that I was the one using the card to retrieve the money, practically calling me a liar and a thief. Since I insisted, he then kept me on hold for 30 minutes, just to come back to tell me what he and the previous guy I spoke to, had told me before : that the dispute was denied ( I have a screenshot of the phone call waiting time ) I also asked him to check the cameras to verify it was not me the one retrieving the money but he did not do that and instead he kept telling me that I was the one taking the money because I was the only one who had the ATM card. 

I've been a client of Wells Fargo for more than 20 years, I have a checking, a savings accounts and my business account was being processed but now I just want to close all my accounts and have Wells Fargo giving me back my money. 

Thank you for your attention, I really hope you can help me with this uncomfortable situation. 

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 2021-09-03
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent affidavit DEMANDING that they Verify the debt that I allegedly owe them. They CLAIMED they did but it wasn't done properly Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via an affidavit of fact under penalty of perjury ; I DO NOT CONSENT TO ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION METHOD. 

and if they can't, they must CLOSE the account and IMMEDIATE REMOVAL OF THE NEGATIVE REMARKS they've made against me on my credit report pursuant to THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i.

Unauthorized Use Pursuant to 15 U.S. CODE 1602 ( p )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reported to all 3 credit credit bureaus that I am a victim of identity theft. They refuse to remove fraudulent accounts from my credit profiles. I have never had a XXXX account, I have never lived at XXXX XXXX XXXX nor have I ever applied for a student loan. These accounts need to be removed immediately. 605B. Block of information resulting from identity theft 15 U.S.C. 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Investigation took more than 30 days

Complaint:
I've recently reached out to XXXX XXXX  and Transunion in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. I have been waiting since XXXX. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.

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 2020-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment for XX/XX/2020 for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements, and I will went through XXXX and some medical challenges during this covid-19. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25
Company: Paypal Holdings, Inc
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Last week XX/XX/2019 I received a payment of {$2000.00} from a buyer through my PayPal account of course they put a hold on it and sd I had to verify a bunch of stuff so I've done all that and now after another 6 CALLS they're trying to take my funds over another account that is not mine this was suppose to be handled on the 4th call well today XX/XX/19 I spent 6 hours on the phone with PayPal being transferred from person to person each time I'm told something different mind you all the stuff they needed has been verified I was hung up on called a liar told my funds was available email included and not until I received the {$2000.00} has PayPal ever mentioned this other account not once they themselves said they can't hold me responsible for another account especially one I'm no part of yet they keep refusing to release my money. The supervisors are dumb and act like their clueless yet their supervisors I can't get anyone one the phone, through XXXX, through XXXX to take care of this. I've waited they're 3 to 5 days I've verified everything but they insist I pay on someone else 's account I feel like I'm being screwed completely over and if my funds will just get released I'm closing that account no more PayPal for me, this is ridiculous I've wasted an entire day trying to fix this and I'm still no further than I was I really need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: FISERV INC.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I was using clover XXXX XXXX for both of my XXXX, note I have been using this service since XX/XX/2020. The week of XXXX XXXX, I XXXX  many vehicles due to tax refunds dropping and I used my clover flex machine to process these transactions, all approved! Immediately, the credit risk department raised red flags and held my funds. The total amount was {$22000.00}. They only gave me a partial of my funds in the amount of {$10000.00}, and continued taking fees out of my account. They rejected {$5500.00} without even notifying me to let me know. All of my XXXX  have their XXXX, and I have not even half the money. They asked me 100 questions, made me send XXXX XXXX XXXX ( XXXX ), 3 months of bank statements ( which made NO sense ) and told me my funds were to be released within 24-48 hours. I keep getting the runaround. They are now saying they refunded my XXXX of {$3500.00}, which has not even been processed, and NOW saying they are holding on to the rest of my funds and terminating my account. I have XXXX kids and trying to make an honest living out of what I have, how is this legal? I need to know my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: WELLS FARGO & COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan with Wells Fargo. Their online system does not allow you to set up payments that exceed three times the payment established in the loan ( my car payment ). They do not allow you to set additional automatic payments. I called Wells Fargo and explain I'm an XXXX XXXX service member and feel that they are putting an impediment on the customer by not allowing this feature. The means the customer has to call and make the additional monthly payments and makes it difficult for the customer to want to do the " right '' thing and pay off their debt. I spoke to a manager and they were not able to provide an explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: ERC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I DO NOT ACKNOWLEDGE OR OWE THIS DEBT. I AM A XXXX FORMERLY XXXX XXXX VERTERAN AND PERSON AND I DO NOT OWE THIS DEBT.THERE IS NO CONTARCT AND NO DEBT. THIS DEBT IS WRONG I DO NOT ACKNOWLEDGE IT OR ANY AMOUNT AND IT NEEDS TO BE TREMOVED!! this company is committing fraud AND ILLEGAL ACTIVITY BY RE-AGING A NON LEGITIMATE DEBT!! THIS COMPANY PLACED IT ON MY CREDIT REPORT AND I NEED IT REMOVED IMMEDIATELY. THIS IS NOT MINE AND THEY HAVE NO PROOF OF THIS DEBT IT NEEDS TO BE REMOVED IMMEDIATELY. I HAVE REPORTED THIS AWFUL EVIL COMAPNY TO THE CFPB, THE ATTROEMNY GENERAL, THE FTC, THE XXXX AND I WILL PURSUE LITIGATION IF NOT REMOVED.I DO NOT ACKNOWLEDGE THIS DEBT AND IT NEEDS TO BE REMOVED IMMEDIATELY. THIS COMAPNY DSICRIMNATES AGAINST AND HATES OUR NATIONS WOUNDED WARRIORS AND IS PREVENTING ME FROM GWTTING A ROOF OVER MY HEAD. I AM XXXX AND THIS COMPANY IS ASSAULTING XXXX PERSONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Innovis
State: GA
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:
checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After receiving 100 's refinance proposal by mail I decided in XX/XX/XXXX to contact 3 lenders to have different propositions. My mortgage is with Mr Cooper ( 3rd loan officer in 2 years ). 
I had a 1st hard inquiry with the 1st lender and a 2 weeks period to " shop '' for the best conditions without impact on my credit score. However after looking at my report I can see another hard inquiry from another lender ... 
They all have the best conditions until moving forward when new fees starts to appear on the closing disclosures.. Part of the refinance process an Appraiser came onsite ( {$540.00} fee ) and filled a report, this appraiser was sent by the lender I selected to move forward. 

However after seeing the final closing costs I decided to stop the process. I purchase my home in XX/XX/XXXX for {$420000.00}, I did some improvements and the value of homes in XXXX especially in my area exploded since last year. The appraisal report value the home {$600000.00} so I contacted Mr Cooper and asked them the process to remove the PMI. 
I was told that it's not possible because the appraisal wasn't done with the appraisal company they work with and that I need to pay for a new report and because my loan is less than 5 years I need to have 25 % equity ( XXXX XXXX requirements ). 

I paid {$540.00} for an appraisal done by an appraiser licensed by the State of Florida but I need to pay for a new appraiser!!!! with their partner ... 

If that's the same type of partner than what they use on their website/app that makes more sense. Mr Cooper 's App displays 2 estimates XXXX and XXXX. But they only use the XXXX value to calculate the PMI and equity! 
XXXX  value my home {$440000.00}!!! Really?? XXXX {$590000.00} that's a big difference! I did a pool with spa, the lot is XXXX sqft, the home is front sold for $ XXXX last month but my home is value $ XXXX with their partner XXXX  ... Obviously I just XXXX XXXX and they are owned by Mr Cooper !!! So convenient!!! 

On top of that : - {$25.00} expedited fees for each loan payoff document x 3 = {$75.00} - {$20.00} Third party reconveyance preparation fee - $ 10 county fee etc ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
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: Personal information incorrect

Complaint:
Multiple addresses where I don't live anymore are still being reported on my credit : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I would like these removed. 

My brother : XXXX XXXX is being reported on my personal credit report. Please remove him. 

My brother 's credit card he opened is being reported on my report, as well as hard inquiries. Please remove this account creditor : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date reported :XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: Square Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This issue concerns a Cash App transaction. My daughter and I use Cash App to send money to each other. My Cash App account is linked to my XXXX debit card for a checking account at XXXX XXXX XXXX in Connecticut. 

I initiated a transaction to send her {$100.00} on XX/XX/XXXX. I immediately decided to cancel the transaction, and canceled/ reversed it. Cash App labeled the transaction as Reversed. 

The {$100.00} was instantly taken out of my checking account at XXXX, and shows there on my bank statement. It was never put back in. Cash App customer service claimed that the money was sent back to XXXX on XXXX XXXX at XXXX XXXX and they should have it. I called XXXX, and they painstakingly went through ALL electronic fund transactions made on the XXXX, XXXX and XXXX. There was no return transaction. 

On XX/XX/XXXX, I went to XXXX and submitted an official written claim for the {$100.00} because Cash App still maintained that they had sent the funds. XXXX was kind enough to refund {$100.00} pending their investigation ( I have been a customer there since the XXXX ). 

On XX/XX/XXXX, I received a letter from XXXX saying that their investigation had determined that they were not liable for the claim. They took back the {$100.00} they had provisionally given me. In the course of their investigation, they were told by Cash App that the money had already been given to me and was sitting in my Cash App account as a stored balance. ( Again, Cash App had originally said the money went to XXXX )  There is no money stored in my Cash App account. There has never been any money refunded to me. The {$100.00} is in limbo somewhere. 

I have repeatedly contacted the Cash App customer support department, and have received the same response from 4 different people : " File a claim with your bank. '' I have told them many times that I already did that. I have asked for them to call me. I have asked for a supervisor to contact me. That has never happened. There is no published telephone number for them. 

My advice to others would be 1 ) never make {$100.00} transactions -- they are too common and too difficult to trace ( send {$100.00} instead ) ; 2 ) do not try to reverse a Cash App transaction -- instead, get the other person to initiate a new transaction and send your money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX XXXX, I began receiving numerous debt collection letters from XXXX XXXX XXXX for debt I did not recognize. The only debts that could possibly be related to me are from XXXX -- when I had a XXXX and was unable to pay my bills, and creditors would not work with me to set up a payment plan. I have not made any payments on these debts since XXXX, and I have been informed that these debts are now time-barred. I do not know why I suddenly began receiving collection letters in XXXX of this year. With the help of an advocate, I sent XXXX XXXX XXXX a certified letter to cease all communication with me and to record in my file that I did not want to receive any future communications about these debts from anyone. I am a senior and a XXXX veteran and receiving these letters makes me very stressed and anxious. Despite my letter telling XXXX XXXX XXXX to cease communication, the alleged owner of the debt XXXX XXXX has apparently now placed my account with another debt collector, XXXX XXXX, XXXX who is now sending me collection letters for the same debts.

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: 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: Old information reappears or never goes away

Complaint:
Im trying desperately to fix my credit score. Im a XXXX  veteran trying to finally buy a house of my own. 
When I was XXXX I took out some loans to go to school but made a mess of it. I got into debt, had no job and came from a low income family. 
So, back in 1997, these things were sent to a collection agency and reported on my credit report. 23 years later, they are still being reported. Whatever companies have my debt, they are illegally finding ways to continue to report these things all these years later. 
When I called the credit reporting companies, XXXX  and XXXX XXXX, the reps merely took the word of the collection agencies, didnt even look into my initial date of delinquency, and told me that the accounts were reported more recently. The reps clearly didnt understand the difference between when the account first opened and when it is reported. I understand that the ONLY thing that matters to credit age is the first delinquency and apparently the companies simply disregard that and are in step with the collectors. 
I am currently disputing these reports but have little faith in the representatives that I spoke to in the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I contacted RMP by phone to ask for any paperwork I needed to submit to them to show that this account is being reported inaccurately he refused to send any documentation to validate the legitimacy of this account and the guy hung up the phone in my face. As of XX/XX/2021 I will be sending a certified letter with a FTC report to have this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Bureau is reporting inaccurate information on COMENITYBANK/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation