BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX On XX/XX/XXXX, I mailed check # XXXX in the amount of {$58000.00} to payee United States Treasury intended as an installment of my XXXX estimated tax payments. 

XXXX On XX/XX/XXXX, the check had cleared my bank ( XXXX XXXX XXXX ) with the assumption that the check was paid to the actual payee on the check ( United States Treasury ). 

XXXX On XX/XX/XXXX, my CPA filed my XXXX tax returns with the expectation that we are getting a refund of {$120000.00}. 

XXXX On XX/XX/XXXX, I received a letter from the IRS adjusting my refund to {$65000.00} which prompted me to inquire with my CPA the reason as to why they did this. 

XXXX On XX/XX/XXXX, my CPA confirmed that the IRS must have not received my check for {$58000.00} which is the exact difference. 

XXXX On XX/XX/XXXX, I requested a copy of the cancelled check from my bank ( XXXX ) which led all of us to believe that it was cashed by someone other than the United States Treasury XXXX Please bare in mind that the front of the check was not altered in any shape or form but the back was missing the official IRS endorsement markings. 

XXXX On XX/XX/XXXX, I received a call from my bank stating that the check was deposited/cashed at a Wells Fargo Bank XXXX 

XXXX Since then, myself and my bank ( XXXX XXXX XXXX ) have made several attempts to claim the lost funds from Wells Fargo to no avail. Wells Fargo refuses to refund my lost funds.

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 2022-08-22
Company: Experian Information Solutions Inc.
State: CO
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:
Dispute with Experian multiple times, they respond without investigation within a day that it meets standards. Multiple inquiries that I did not authorize and they refuse to remove. Also current collection belongs to someone other then myself. I currently have XXXX and credit Experian refuses to look at current bill, that explains I have a current 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 2022-06-07
Company: TRANSWORLD SYSTEMS INC
State: OK
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 XXXX  account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following item 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 2022-06-28
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to Experian, XXXX and XXXX from XXXX of 2022. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 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.

- I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto 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 2022-04-25
Company: SECURITY FINANCE CORP
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I was forced to get a loan so Security Finance could process my XXXX  Taxes. But the Loan officer that was doing my Taxes somehow sent the wrong information to the IRS about my claim on my child. So the end result was no Taxes for XXXX  and a loan that I was forced into taking so they could file my XXXX  Income Taxes.

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 2022-06-28
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This morning I received 2 letters from Wells Fargo bank advising they had received a notice of garnishment and on XX/XX/XXXX, they took {$220.00} plus {$120.00} bank fee from my savings account. This amount actually closed the account.This garnishment belonged to my daughter who is not not my savings acct except as beneficiary. The second letter advised that since my income is S/S they could not take it. I went to the bank this morning and their employee, XXXX XXXX XXXX verified that my account was in my name only with her name as beneficiary. My daughter is a joint tenant on my checking account because when my husband passed away I wanted to make it easier for her in case of my demise. She has not put money in the account nor taken money out, it is strictly my S/S and a very small pension in the amount of {$39.00} My complaint is not with Wells Fargo since they realized the error when I called them, so my complaint is with the Franchise Tax Board of Calif. They never contacted my daughter about this debt and she has not lived in Calif for a number of years, so she didn't even know, that according to them, she has a balance. I don't know how they got my name and banking information because I don't live in Calif either and haven't since 2015 and even then my husband and I did not file taxes because we did not make enough money. They caused me a lot of undue grief when I got those letters showing my savings was gone. It may not seem like much, but on my fixed income it was devastating to me. And when I called Wells Fargo they verified that my daughter was not on the savings acct. If you need any additional information please feel free to contact 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 2022-06-28
Company: Avadyne Health Holdings, Inc
State: IA
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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX H & R ACCOUNTS INC have violated my rights. 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 also states, '' a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: VA
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX collection, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX fraudulently opened an account in my name in 2020 and sold the debt to a third party company named XXXX XXXX. They refuse to remove this account and now I have a collection on 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 non-monetary relief
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is reporting on my credit and its incorrect for one I was never notified of when and where the car was being auctioned off also they never updated the account after selling the car at the auction.Also The account there reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately.

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 2022-06-28
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 mailed out on XX/XX/XXXX2022 and received no response from department of educationXXXX XXXX in which I followed up on XX/XX/XXXX2022 via certified mail with returned label in which I received no response. They received both correspondences on XX/XX/XXXX2022 and XX/XX/XXXX2022 in which there still has been no response and it is XX/XX/XXXX. It's now going on 67 days with no response from the original complaint date. It's under my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did not respond within the allotted 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/22 an XXXX credit card was opened in my name for XXXX. I did not apply for this card. 
I have reported it to the credit card company. They have frozen the account and I have started to contact the credit report companys.

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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Bank Company website has been down for over a week along with the phone service. 

My payment is 2 days late and I'm unable to log online or even pay by phone. I've been trying to login daily for the past few days Trying to avoid getting hit with late fees and a late payment history added to credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: JPMORGAN CHASE & CO.
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: DISCOVER BANK
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute through Discover Card about the purchase of a damaged motorcycle battery leaking acid. I purchased through XXXX third party merchant. They wanted the battery returned but federal law prohibits shipping of such dangerous items. Discover sided with XXXX in the dispute. Under the Fair Credit Bill Act this item should be refunded as item damaged. I have no control over shipping companies that refuse to ship dangerous items. 
Case Number : XXXX Merchant Name : XXXX XXXX XXXX  Amount : {$56.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is complaint against Synchrony Home Design Credit Card. I had this card over 2 years now. But when I did my refinance back in XXXX my title company issued a check of the full amount on the credit card. They posted the payment at one point and then they reversed it back on the account in XXXX and since then they are reporting my account past due. I called them multiple time to fix this but they are not cooperative at all. I had a brief call this morning to find out what is going on with that account. The account manager tells me that there was some more information required in order to process the payment which I was never informed prior to today. She also claimed that they still have the check in their possession. I asked them what information they need and once I provide that how long will it take to resolve this issue she tells me it can still take up to another 60 days which I feel it should not be as everything on the account currently is because of their mistake. I would like to resolve the issue at the earliest.

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 2022-11-30
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello cfpb, I hope you're all doing well, I'm contacting you because recently I'm having a problem in my PayPal Account which they sent me an email just today XXXX XXXX saying " After a review, we decided to permanently limit your account as we found potential risk associated with it. 

You'll not be able to conduct any further business using PayPal. 

Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. '' But in my case I didn't do anything that broke PayPal rules and user agreement as the money I received " XXXX $ '' on XXXX XXXX was from XXXX of my friends to help in my hospital expenses as I'm sick no and another payment in the same day XXXX $ which was from another friend so I tried to withdraw my money from PayPal but suddenly I received today the email that I didn't even expected because I've been using PayPal for a long time now without any problem so I called their customer support but they said they can't do anything and they didn't give me any explanations about why my account limited for 180 days and I can not transfer money to my bank account till after this period but I told them that I really need my money now to pay my hospital expenses but they didn't care although I didn't do anything illegal through my PayPal account and my informations are 100 % real but I don't agree with this decision so I want my account to be restored so I will be able to get my money as soon as possible Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Bread Financial Holdings, Inc.
State: IN
Product: Other financial service
Sub-product: Credit repair
Issue: Unexpected/Other fees

Complaint:
Got a bill on an account I never knew I had for {$130.00} from PAYPAL CREDIT. Used it 4 years ago and was never informed before using it online with XXXX that would be additional charges. Used it a few times and never got any info from them until now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Agent XXXX : Escalation Team- XXXX XXXX Employee ID : XXXX Failed to resolve ongoing credit fraud issues, after being on the phone with Wells Fargo 1 hour and 19 minutes.

Fraudulent Credit Card, reporting to XXXX XXXX XXXX credit reporting accounts, for a card ending in XXXX. 

XXXX had a card ending in XXXX, which was paid and closed, due to fraud and mishandling, by Wells Fargo. 

Wella Fargo continues to fraudulently report a fraudulent credit account, for XXXX XXXX XXXX, a XXXX XXXX XXXX woman, with 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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern, I am writing to delete the following information in my file : XXXX ( Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ) My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates. 

I need your help to have this item removed from my credit report as soon as possible, please. 

Thank you, 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