BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I bank with Wells Fargo. They have been negligent in a false claim of fraud involving a gentleman who paid me {$1500.00} using XXXX over 6-7 transactions. Two months later he filed a claim saying it was fraud and he didnt authorize them or know me. XXXX the XXXX they debited my account for {$1500.00}. For over a month I was given run arounds. Wells Fargo said it was XXXX, XXXX said Wells Fargo. I asked what type of investigation was done? A thorough one wasnt because I was never contacted when he file the claim and got his money back. It wasnt until after I called when I saw the debit that they asked questions like were you expecting these payments and do you know this person. Questions I feel should have been apart of the investigation they did to determine his claim was valid. I informed Wells Fargo I had proof he was filing a false claim. I have emails, texts and XXXX messages between us identifying himself in the text and acknowledging he was sending me payments. His last message was can I get a refund. So how was it unauthorized if he wanted a refund? To use XXXX you receive a code when you send money to someone for the first time. He had to have received the code to send the first payment in order for the other 6 to be made. In spite of me saying I have the proof no one has even asked to see it and they are standing by their decision that this person didnt authorize this even though I have all of his messages to me saying otherwise. Even XXXX which he used initially then I refunded it and he says in one message he will send the XXXX once the XXXX refund is credited to his bank. I have been robbed WITH the banks help. My money was not safe. Now my account has been negative since XX/XX/19 and I have had problems paying bills through auto pay from this account because I refuse to be liable for the money they took. They didnt investigate throughly. I was never contacted during or after. I had to call them. They are saying file a legal claim or contact the person to work or out. The person lied so why would They help? He didnt go in and pull the money out. The police didnt assist him either. Wells Fargo signed off on him getting XXXX back without once reaching out to me and finding out I had proof he authorized these zelle payments. His word which was a lie was enough. I have all the proof and all he had to do was lie and say he didnt know me or authorize 6 payments. Nobody at Wells Fargo is trying to help me. They dropped the ball. Im eating the bill on their negligence and my Bills are falling behind now that I used that account on. My credit has dropped now from a late payment on my car due to auto pay from a negative {$1500.00} account., please Help me. The bank did not have my back.

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 2020-04-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Once again I find myself in with nowhere else to turn but CFPB due to credit agencies not acting on requests that they by law they're own policies are NOT doing. This is truly become a never ending nightmare in a time when the world is in crises and financial institutions, credit agencies, lenders and EVERYONE should be trying to help each other and NOT continuously make things for difficult than they need to be. This has become a near daily occurrence and the damage that is causing to my ability to survive financially is more difficult which like millions of others, causes more people to take more risks, life and death risks that even in the predatory lending and " bought and paid for '' credit reporting agencies are literally putting peoples lives at risk, and is beyond comprehension why these companies are not trying to help people survive instead of, by blatant disregard for the statutes, doing the exact opposite. What is it going to take for these companies to actually help people? So, anyway I sent written requests to all credit agencies to remove my fraud alert since all the fraudulent activity had been cleared, and the continuation of the alert was being cited as reason for denial of credit. Not only did this cause me the inability to get financial assistance to survive, but actually did more damage to report making things even more difficult. I received a notice from XXXX  XXXX XXXX  that my application was denied do to the alert on my EXPERIAN account witch I had sent all the documentation forms etc to have the alert removed. The documents etc were confirmed delivered by the USPS, but the alert remains and I have not even received a notice from EXPERIAN that they're own policies state, upon receipt of forms, identity verification etc, the alert will be removed immediately. THIS IS NOT WHAT IS HAPPENING! We are all on the same team here, team humanity, please help and not hurt for XXXX 's sake! AND I am begging you to please NOT send the standard " still working on it '' response. This is your way of delaying the action for 60 days and who knows where the world will be in 60 days. Please help us!

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 2015-04-29
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've been working with American Medical Collections company to facilitate the resolution of some laboratory charges. In this I have asked on XXXX separate occassions to be called after XXXX pacific time during which I 've worked with them on several tactics to resolve this. They continue to call me during working hours despite this communication and have been push XXXX. 
The billing problem originally occured because the lab I was scene at did n't validate my address or my insurance info. I went to collections without ever receiving a bill or phone call. Once in collections, I requested the original biller 's address and my account number and sent a photocopy of my insurance card so they could bill the correct insurance. 
AMC left me alone for several months while we waited for this to resolve the issue. Apparently my letter was ignored because I received more calls recently ( again, during my working hours despite the notes I asked put on my account ). 
The last polite call I received said they would mail me a form so I could forward it to the insurance company myself. After XXXX I have not received the form and got more pushy calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against TransUnion for using deceptive and unfair practices. Fraudulent information was furnished to my consumer report without my authorization or written instructions pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports. The fraudulent information that's been furnished to my consumer report is not information relating to the consumer. I demand that the alleged tradeline account from ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' ) be deleted immediately. TransUnion has failed to implement Reasonable policies and procedures concerning the integrity of furnished information pursuant to 12 Code of Federal Regulations 1022.42. TransUnion is fraudulently using unfair practices to furnish item ( s ) that has not been certified or verified by law. TransUnion and it's subsidiaries are marketing and selling consumer information which is a violation of a 2017 enforcement order requiring it to stop deceptive practices. Upon receipt of this notice, you are hereby notified pursuant to UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-04-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
This the XXXX report filed since XXXX. I mailed a certified letter asking experian to not include addresses with the exception of what's on my driver 's license. I also asked them to remove names that i do not go by in real life because my personal information has been stolen. The updated report below shows that it hasn't been removed. The information contained within my report is inaccurate. FCRA states that i have a right to privacy and experian is in violation for refusal to remove.

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 2016-04-07
Company: ACCESS GROUP INC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I received a summons today XX/XX/XXXX for a lawsuit filed XX/XX/XXXX by Access Group, a lender for a private loan from XX/XX/XXXX that my credit report shows I have n't made a payment on since XX/XX/XXXX. They can not even report this time-barred debt and suing on it is illegal. I am in the process of trying to buy a house and I can not afford to have this issue come up on a search.

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 2015-07-16
Company: 21ST MORTGAGE CORP.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Inaccurate closing documentation was signed at closing. They set our loan up knowing we could n't afford the payments. We were told to just make the payments for 2 years and then refinance the loan to where we could afford it. After many complaints to them they have yet to resolve setup and delivery issues. We had to hire an attorney to help get this fixed. We tried to get them to modify our loan to make it more affordable and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I opened a business checking account at Wells Fargo in XXXX, Florida and two months later I received a credit card with a limit of {$10000.00} which I did not request nor authorize. My business started to fail so I started to use the card and ran the {$10000.00} credit limit to max. Today I owe {$8500.00} and feel trapped and paying for something I did not sign for.

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 2015-04-05
Company: 21ST MORTGAGE CORP.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a Notice of Intent to Cancel from my Homeowners Insurance Company, XXXX XXXX XXXX XXXX of Florida, dated XXXX/XXXX/15. It stated that the premium in the amount of {$730.00} is due by XXXX/XXXX/15. My original mortgage was with XXXX, XXXX, XXXX, XXXX, AL XXXX. My loan was transferred to 21st Mortgage Corp., XXXX, TN XXXX, effective XXXX/XXXX/15. I have continuously made my mortgage payment which included my escrow payment. Obviously, 21 Mortgage have not been making the escrow payments. I have not received an Escrow Statement either. Also my fixed rate Mortgage was increased by 21 Mortgage from {$810.00} to {$810.00} with no explanation, effective XXXX 2015. I do not understand what this company is doing or why. Could you please advise me how to handle this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This credit card was open in my fraudulent and I summited the police report and information to creditor and it was remove from my report expect XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
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:
These companies are furnishing information that they should not and they do not have consent to do for these alleged debts. I've asked them to validate date the debt and they have failed to. Their violation of my rights as a consumer fall under 18 USC 1028A-Aggravated Identity Theft. It states the following : ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

To add insult to injury, they have no permissible purpose pursuant to 15 USC 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give written instructions? I did not.

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 2021-10-29
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:
On XX/XX/XXXX I demanded Transunion to investigate and verify 6 accounts that was allegedly mine. I didn't receive a response. On XX/XX/XXXX I sent another response with a copy of the letter that I mailed on XX/XX/XXXX. I will upload both of those letters. I asked for those accounts to be verified in XX/XX/XXXX and I also had them put a fraud alert. During each of these times ; XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX those same accounts were still being reported on my credit report. I have yet to receive any proof of the investigation. I sent an affidavit and cease and desist on XX/XX/XXXX through first- class certified mail with return receipt and they delivery date was XX/XX/XXXX. My consumer rights have been violated and the company has violated six FDCPA laws as follow, 1. 15 U.S. Code 1681i ( A ) ( 1.A ) 2. 15 US Code 1692e 3. 15 US Code 1692g on 3 of those accounts being disputed 4. 15 US Code 1692j ( a ) ( b )

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 2015-08-29
Company: FIRST HERITAGE CREDIT LLC
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I requested a cash loan. I was told that I qualified for the loan but had to list personal property to secure the loan. I was then told that I had to also purchase property insurance to make payments in the event that I defaulted on the payments. I was told that the loan also came with life and XXXX insurance and road side assisstance. These products were NOT offered to me as an option, but rather a condition. I was told all premiums would be prorated only for the months the loan remained active. When I returned the next month to pay off the loan in full all before the first monthly installment was ever due. I was told that I owed all of the money I borrowed plus 403 %. The cash I received {$2000.00}. All insurance was never used and cancelled. Total payments demanded {$2700.00} ... .. all before the 1st payment was ever due!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On my Equifax credit report my mortgage payments and balances are not being reported at all for several months dating back as far as 2017. I call XXXX to resolve the matter and I am told that XXXX is reporting my mortgage information accurately and consistently and that it is an issue with Equifax however the data is not available still in my Equifax credit report. So, I call, file complaints and disputes with Equifax and they respond by telling me that it is XXXX XXXX   fault that XXXX is not furnishing them ( Equifax ) with the data. I AM NOT GOING AWAY! THIS MATTER  WILL BE RESOLVED REGARDLESS OF WHO'S FAULT IT IS! 
Please take a look at the Equifax credit report, you will see that multiple months reflex no data for my XXXX Mortgage. I AM NOT OK WITH THAT, IT NEEDS TO STOP! 
Also the resolution letter from XXXX does not address this issue and why and who is NOT DOING THEIR JOB! FIX IT OR PAY THE PRICE! XXXX has already been sued for this lack of ethics and changing your name isn't going to change the fact that what you are doing is wrong on so many levels.Way to much data missing from my XXXX mortgage, MONTHS!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Coinbase, Inc.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sold ether tokens valued at XXXX dollars total it was suppose to deposit to my account instantantly it did not this was XXXX XXXX i 've called 3 times since its almost the XXXX of XXXX and this has not been resolved because my money was tied up i missed out on a XXXX dollar profit. when you use their email service it removes you from the que and puts you at the back of the line anytime you inquire about the status of your case. they dont give you a timeline for the problem to be resolved and depending on what button you push when you call it may instantly hang up on you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After I got my final paycheck from my company, I logged in to my credit card account and tried to make a payment. 

Then I found my account was closed by Citi. 

I was trying to call them, but no one answered the call, I tried to call moreover 20 times.

A few days later, I got the letter from the bank, it showed my account was closed due to " one or more late or returned payments in the past XXXX months ''. 

But since I used the card from 2017, I never missed any payment, but recently I got laid off due to COVID-19 from my company, and the processing of deposit check was delayed, which only caused ONE returned payment. After I got it deposited into my checking account, I already re-made the payment immediately.

But this is really unacceptable that closing my account without ANY notice and even asking. 

At the same time, I have almost XXXX XXXX XXXX on my account, which values at least {$300.00}. But I couldn't even access them, and also no one answered the call from that department. 

I'm really disappointed about the way they did, other banks are taking action when their customers are experiencing a hard time and help us through the special rough time. 

And Citibank did charge me a {$25.00} return payment fee, which is okay and reasonable. But what I can't understand is, they closed my account at this specific hard period even though they already charged me. But at the same time, the US government and other banks issue many acts and waivers to help every people affected.

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 2016-07-07
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
on XXXX i enrolled in XXXX to check my credit.And on that date i found a credit card that was not mine, but on my account.So i called XXXX and asked them what this discover credit card is doing in my account.They told me that there was a discover card issued to a XXXX using my social security number on XXXX at the address of XXXX Il. XXXX.That was my sisters address which she had used my social security number to get this credit card.She did it in the past to me XXXX other times.Plus she even got a XXXX Il . XXXX.I called discover and gave them the credit card number of XXXX.They in turn did not investigate on that they investigated on my legal XXXX i have that i did not even use.The discover card that my sister got is still in use.My sisters name is XXXX, but she goes by her maiden name of XXXX.I want discover to close this account and investigate, but they will not.They said XXXX must be wrong.XXXX told me they are not wrong that is the information given to them by discover.I have copies from XXXX showing this.I send discover all the information and my identity, but they still refuse to do anything.Please help me out because i want to have my sister arrested for this so she stops.

Company response to consumer: Closed with non-monetary relief