BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
To whom this may concern, My name is XXXX XXXX and I am about to close on a house. The day I was suppose to transfer the remaining amount to close the house ( XXXX ) I was getting email intrusions on how and where to wire the amount to. The emails that were instructing me looked exactly the same as all the agents that were involved in the transactions and had the same email signature. I went to Wells Fargo and did the wire transfer which went through yesterday ( XX/XX/XXXX ) and found out about the fraud today ( XX/XX/XXXX ). Please someone help me this is all the money I have saved and worked hard for over the years. I have an XXXX XXXX XXXX boy and XXXX XXXX XXXX daughter. We are currently XX/XX/XXXXand have sold our condo which was the money that we wired. I have attached the fraud account that was sent to me. XXXX XXXX is the bank that received me money which was not the right bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An alleged debt was placed on my credit report from I C Systems without an notification before hand for the company XXXX. I called I C Systems and asked why I did not received any correspondence before the alleged was placed on my credit report. I C systems responded by claiming they had mailed a letter to a so call address that there are aware that I no longer lived. How do I know this, I C Systems updated my credit report with my most up to date address, this is proof that they indeed knew my correct address and refused to send me correspondence before placing an collections on my credit report. Another instance of how they do not follow the rules that govern them. 
Moreover I have proof that this alleged debt was paid to the original creditor, and therefore I do not owe the debt that is being reported on my credit report by I C systems. I called I C Systems to rectify this problem and they have no interest in doing so which forces me to write this complaint. Attached is a copy of my XXXX receipts, along with the confirmations numbers and tickets numbers. This alleged debt is to be removed immediately as it is fraudulent. Neither is the alleged debt to be updated to paid in full as the debt was NOT paid to the collection agency but to the original creditor. 

Payment information First Payment Confirmation # XXXX Second Payment Confirmation # XXXX First Ticket # XXXX Second Ticket # XXXX Total Amount Paid {$160.00} Total Amount Due {$0.00} Please see attached details attached below with copy of receipt from the original creditor. 

NOTE this is the XXXX ( XXXX  ) complaint filed with the Consumer Financial Protection Bureau with this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my vehicle on XX/XX/XXXX. In the past month I have been trying to get the tittle and when I call them. My most recent call was on XX/XX/XXXX. They indicated they sent all the required paperwork to release the electronic tittle with the DMV of virginia on XX/XX/XXXX. VA is responsible for mailing the tittle. I proceed to call the DMV in VA and they indicate that the bank never released the electronic tittle and that they might have done it incorrectly. I need them to resubmit the tittle hold release. They keep offering me a satisfaction of lien letter which is useless for me to get the tittle. They keep sending me in a wild hunt and i just need my tittle.

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 2023-08-18
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/23 I contacted JPMorgan Chase auto which directed me to XXXX XXXX XXXX. I settled a charged off debt in the amount of {$4300.00}. My credit report needs to be updated correctly or this account removed all together immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: HireRight Solutions, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I went through a 3 interview with XXXXXXXX XXXX  for job opportunity, the call first round and second round and 3rd and got hired was sent a offer letter and passed drug test and created employee portal did everything that they asked me to do and when the background check went through I was contacted by HR of XXXXXXXX XXXX about XXXX basing that I did 90 days in XXXX XXXX XXXX  and I was told to explain bed which I did, and also as asked I submitted proper paperwork from the state of New Jersey XXXX XXXX clearing what XXXX XXXX HR asked about as she repeatedly kept axing me about why am I on XXXX XXXX XXXX, which I explain to her the situation in XXXX with the mother of my child and I explained as she said we dont go back that far so why ask me and I still submitted court records documents XXXX XXXX XXXX XXXX, which was my final XXXX report to XXXXXXXX XXXX HR also justifying showing her as she asked about the XXXX  with the mother of my child it was a XXXX XXXX XXXX XXXX XXXX XXXX, I was given a start date for XX/XX/XXXX and today XX/XX/XXXX XXXXXXXX XXXX  HR sent a letter they cant hire me and the consumers cant explain violating my rights and discriminatory acts showing this is discrimination act and unfairness towards me cause of me being on XXXX from a event in XXXX and I would like for hireRight consumer support to collect the proper paperwork that I sent in and correct what they have done and explained the matter as XXXXXXXX XXXX  XXXX said this consumer can not explain why Im not getting hired. Therefore, Ill be filing a discriminatory act lawsuit against XXXXXXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid 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:
There was a coulple credit cards that were taken out in my name that I did not authorize, I am filing this report to compley with a police report. I have disputed the transactions and was inform by a police officer to get a report is nesscessary. I was told by the officer in the investigation that I need to complete this. I am not certain of all the excat times and dates of transactions but I am aware that I believe that the person who is stealing my identity is my son XXXX XXXX XXXX. Recently checks were also stolen by him and I took measures with the banks to fix that. I have a XXXX XXXX card that was taken out in my name, with a XXXX credit limit. I have not once received the actual card or receive the statements. There is a current balance of XXXX pass due. And also there is a discover credit card that was taken out in my name that I did not authorize. I have put a freeze on my 3 credit departments. Please let me know what else is needed from me. I want to ensure that this does not occur again. I can be contacted by phone at XXXX. 

Thank you. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19
Company: LEXISNEXIS
State: MI
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:
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 15 USC 1681.

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 a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: RI
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
1. I never received any letter from the company about the debt. 

2. This is a medical debt of XXXX dollars. The collection company has reported this to all 3 credit bureaus to damage my credit. They have clearly violated the law. As per new law medical debt less than XXXX should not be reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo was always debiting my account for fees for no reason XXXX and XXXX dollars worth a week

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2023 I was issued a Social Security Number by SSA. 
Previously I was using ITIN issued by IRS to apply for credit. 

According to IRS " Once you receive a SSN, you must use that number for tax purposes and discontinue using your ITIN ''. 

On XX/XX/2023 I sent letters notifying that I was issued SSN and that it should be used from now on instead of ITIN. I attached copies of my new SSN card, previous notice of ITIN assignment and my current driver 's license. The letters were sent to the three major credit bureaus and IRS. I've also updated the SSN with all my banks and lenders. 

As of XX/XX/2023 XXXX and XXXX started using the newly issued SSN for my credit reports. All or most of my lenders should have started submitting my SSN for credit reporting too as of XX/XX/2023. 

But Equifax still refuses to update my SSN with the following explanation that I got by mail on XX/XX/2023 : " THE WORKER ID DOCUMENT ( S ) PROVIDED CAN NOT BE USED TO UPDATE YOUR SOCIAL SECURITY NUMBER. THE WORKER ID NUMBER IS ISSUED BY THE SOCIAL SECURITY ADMINISTRATION FOR WORK PURPOSES ONLY. THIS NUMBER IS NOT ISSUED BY THE SOCIAL SECURITY ADMINISTRATION AS A SOCIAL SECURITY NUMBER. THE WORKER ID NUMBER IS NOT ISSUED BY THE SOCIAL SECURITY XXXX AS A SOCIAL SECURITY NUMBER AND CAN NOT BE ADDED TO YOUR EQUIFAX CREDIT FILE. '' Dispute confirmation number : XXXX. 

Over the phone on XX/XX/XXXX and XX/XX/2023 Equifax representatives reiterated that my Social Security card is not a proper SSN, but some sort of " worker ID '' issued for " work purposes only ''. They say it can't be used for credit reporting, because it says " Valid for work only '' ( as in " this social security number is valid for work only '' ). But the full text of a note on my Social Security Card says " Valid for work only with DHS authorization '', which means the opposite of what Equifax claims ( i.e. " this IS a social security number, but it is NOT valid for work, unless there's a separate work authorization from DHS '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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:
XXXX XXXX is currently reporting a fraudulent account to my credit report that was open without my knowledge or consent. I HAVE SENT POLICE REPORT, FTC IDENTITY THEFT REPORT AND THEY HAVE REFUSED TO REMOVE THIS FRAUDULENT ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: LA
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Lender asked for explanation on various rent payments, deposits, business income etc. I provided every single detail as asked and I was still denied for an additional rent I pay when that lease expire on XX/XX/2023 and I offered to end that lease before this day and provide verification to have the mortgage approved. 

Underwriter was biased from the beginning with every single explanation I provided, asked for additional docs. 

Business income deposits and every single peace of asset is verifiable and notates solvency to cover mortgage payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Waypoint Resource Group, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company called waypoint resource group is attempting to collect a balance from XXXX XXXX  that I paid over a year ago. They are also including junk fees in the amount of {$67.00}. 

I am having my credit threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Amsher Collection Services, 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:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors.

15 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing.

15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. 

The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX - LAST 4 SS # XXXX XXXX XXXX - LAST 4 SS # XXXX I ask that they be corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. 

Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TFS FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I applied for a home equity line of credit, to refinance an existing home equity line of credit from a different lender. During the refinance, their underwriters pulled a " XXXXroperty Profile '' report allegedly showing XXXX liens that they stated must be paid at closing. I balked at their requirement considering XXXX of the XXXX liens were not in fact liens but instead, simply notices that a previous tenant at my address had defaulted on personal property taxes. I attempted to reason with this bank, explaining clearly that i did not have personal property tax liens but, it was to no avail. I was finally able to contact the XXXX party that provided the bank the property profile and asked them to clarify these " personal property tax liens ''. They immediately saw that the liens were in someone else 's name, not mine and, that they were not liens and provided an updated report to the bank. That left XXXX final " lien ''.

I explained to the bank that the other " lien '' that they incorrectly asserted was a judgment against me was instead, a supplemental tax bill, paid semi annually with my regular property taxes. They insisted that this supplemental tax bill be paid in full separately from my regular property taxes because they stated incorrectly that it was a judgment. They threatened to cancel my scheduled close if i did not pay it. I pleaded with them that its property taxes and that it did not impact their lien priority and that XXXX other previous lenders understood how supplemental taxes work. They cancelled my closing anyway. 

Out of pressure and under duress, I agreed to pay the supplemental tax bill, which would cause me harm when filing my taxes as i lose the write off of property taxes. They insisted i provide them a payoff. I obtained the payoff and submitted it to them. instead of issuing a check to the payee listed on the demand, and in the amount listed on the demand, they issued a check to another entity for another amount. The check has not been cashed because of this and to add to my injury, i've been paying interest on this amount that has yet to be corrected. I asked them to put a stop payment on the check and they refused. 

I'm at a loss financially for the interest charged on this outstanding cashier 's check and, I'm being required to pay a supplemental property tax that is a normal tax paid twice a year through an escrowed account by my XXXX XXXX XXXX servicer. I want the requirement to pay the lien removed as the lien priority of this bank doesn't change whether they pay it or not and, I want to be reimbursed for the interest for the time that has gone by since they issued an incorrect check and amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: MO
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: Investigation took more than 30 days

Complaint:
Once again just got more credit cards offers but still not adding payment history for the credit card they pushed to me

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 2023-05-04
Company: FIRST CITIZENS BANCSHARES, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied online for a XXXX XXXX Account with CIT Bank. Within minutes of submitting my application, a pop up appeared that stated Thank you for your recent application for a CIT Bank account. We regret to inform you that after a thorough review of your application, we have elected not to open a bank account for you at this time. Thank you for considering CIT Bank. I called the bank seeking more information about why my application was denied. The first person, XXXX, told me that it was because my VPN was on and they could not validate my address. I checked and my VPN was not on. I also called XXXX and they remoted into my computer and verified that the VPN was off. I called again, and spoke to XXXX. XXXX said CIT bank could not tell me why my account was denied, and read me a catch-all disclosure statement that didnt reveal why the application was denied. I asked to speak to a supervisor ( XXXX ). XXXX indicated that they could not give me any further information on why the account application was denied. She said my only recourse was to write the bank a letter of complaint. I received no email correspondence indicating a reason either. I understand the FCRA requires the bank to provide me with a specific reason, but they refused.

Company response to consumer: Closed with explanation