BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-04
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
So I had and issue with this so the Wells Fargo closed my account because I had too many Debit claims on the account and I filed a claim with Wells Fargo with the mediation department and they handled the situation very poorly I was refered to the cfpb because I have exhausted my claims with Wells Fargo and they told me to turn in a claim with the cfpb so Im doing it now I received a check for {$1700.00} and a check for {$2000.00} with the arbitration and the mediation and arbitrator handled things the wrong way the representative from Wells Fargo low balled me a check and I was so mad that I explained to the arbitrator this is a joke why do I have to be XXXX XXXX its ridiculous and Wells Fargo handle the mediation very poorly the representative didnt want to speak any further about this and I was upset how it was handled Wells Fargo and their company dont know how to handle mediation appointments when u meet with them they dont care to have to listen to you all they care is about themselves they wont let you explain things why u want this money or whatever they just want to get it all over with and never care about your feelings I have a major XXXX and I think it was handled the wrong way Im hoping to get a check up to {$15000.00} or whatever is agreeable for all this comotion and XXXX XXXX me wont cut it we have to agree on this issue because this issue is totally uncalled for so i do have a pending case with the federal court system in the state of Utah regarding how Wells Fargo treated me thats a totally different matter this matter is dealing with the arbitrator and the Wells Fargo representative how they treated me and not wanting me to explain my situation and XXXX XXXX  me a low ball number so anyway just wanted to clarrify that with you so Im hoping we can resolve this matter with a check up to {$15000.00} like I said I was refered to by Wells Fargo do that we can get this resolved asap let me know what we can come up with numbers wise hope this is good info

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 2023-03-16
Company: ACIMA CREDIT, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It appears that I have a debt that I am not aware of and did nit know it existed until now that is affecting me when I was about to close on a house. I need this to be removed from my credit ASAP. I need for the company to contact me and to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Paypal Holdings, Inc
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
So its come to my attention that PayPal keeps emailing me with random stuff saying my account is delinquent and I have had issues trying to contact them that company is hard to get ahold of Im really upset how things were handled Im hoping to receive a compensation check up to {$15000.00} for the frustration I had with PayPal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX You are in direct Violation of the fair credit reporting act ( Captitol One XXXX ) has violated serval of my rights. 

15. U.S.C1681 Section 602 : A Clearly states that I have the right to privacy.

15. U.S.C1681 Section 604 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15. U.S.C 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several law under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a dispute for an unauthorized charge by XXXX account I do not hold, but my card info WAS saved on walmart.com on my actual walart account and someone like hundreds of other complains I seen, hacked their website and stole my card info and made a {$260.00} charge on my account, chime refused to stop that charge from being completed even though I called an hour after I received the alert, the problem could of stopped right there.they refused to stop that payment and said I had to wait for the money to be taken from my account then dispute it.i did that, I stayed in contact with XXXX also who sent me an email saying they flagged the account using my card as fraud.i sent that email to chime, chime claims they investigate with XXXX yet XXXX has no info on them communicating and dosent understand why my claim was denied as XXXX can see I didn't make that order XX/XX/XXXX for {$260.00} on my XXXX account and there's no reason to denied my claim.chime made no effort to check with XXXX to see if I had an order on my XXXX account at all for the {$260.00} amount charged on my card, they did find the charge on my card but see it wasn't made by my account. I even tried to call XXXX to stop the order someone else made immediately and they also refused to help because I had no order number because IM NOT THE XXXX ACCOUNT HOLDER. Chime refuses to refund me saying there was no error made. It was fraud not an error. They have no clue what is going on as they do not listen. I want my money back they never properly invested in contacting XXXX to ask if my XXXX account shows an order at all for that amount.nor did they bother reading the XXXX email I forwarded them saying they flagged the other account for fraud.how do you deny a claim whiteout properly investigating with the company that received the money from a stolen card number? XXXX said there is no reason and it's concerning that chime has done with and will be in contact with chine to question why I was denied my money back.in my XXXX with chime I have never had a problem but the first time I do have a problem I begged them to stop payment on as soon as it happened they act like I'm a liar. If I was lying I would not have called right away apon my text alert of the charge to stop this from going on. I sent them the email yet was told they determined there's no error and I won't get my money back, yet they didn't investigate with XXXX to even see that I was not the one who made the order or who it's shipped to. This is a horrid policy and damages their customers funds that are kept with chime. My money XXXX be refunded according to XXXX. Chime has done a XXXX loyal customer wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: ProCollect, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone rented a apartment in XXXX oregon at the collective on XXXX in my name. I have contacted the company multiple times to resolve it and they are just rude and dont listen. also a fact that this was during covid and there was a law passed that the reporting of rent owed during the time frame of which this occured falls into that no agency is aloud to report the debt XXXX and XXXX  XXXX along with the cares act. So not only are they reporting a debt that is fraudulent and not mine but they are also breaking federal law.

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 2023-06-04
Company: WELLS FARGO & COMPANY
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was part of one of thousand of people that had an account with wells fargo from XXXX. I closed my account due to the state i moved in did not have wells fargo available. I never got notified about the settlement might be cause i had close my account when I moved to a different state.

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 2023-02-06
Company: EQUIFAX, INC.
State: NY
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: U.S. BANCORP
State: ME
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My claim start date began on XX/XX/2022, and I still have not received my card in the mail. My XXXX says I had received {$600.00} for last year, not sure how much I would be up to on the card by now, I receive about {$170.00} after taxes every week. I haven't contacted reemployme or usbankreliacard.com, I used the information provided to me that details information about the card/account, such as fees, card usage, replacements, etc. It looks like it says to contact cfpb.

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 2023-06-04
Company: Experian Information Solutions Inc.
State: AZ
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:
The credit agencies reporting these alleged accounts on my credit report is false and need to be removed immediately. They are in violation of Permissible Purpose 15 USC 1681b and I am also requesting a copy of my written instructions from the credit reporting agencies. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXo my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

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 2023-07-26
Company: UHG, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
UHG I LLC, d/b/a United Holding Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Phone XXXX XXXX UHG I LLC is trying to collect {$3100.00} I have never had any financial or contractual relationships with UHG I LLC d/b/a United Holding Group. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This is Invalid, Fraudulent ( Scam ) or an Accounting / Data Entry or Mistaken Identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: CA
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:
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 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 An 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 2023-02-17
Company: Paypal Holdings, Inc
State: MI
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 made a purchase on my credit card through Paypal. Exactly XXXX minutes after placing the order, I sent a request to the merchant requesting a cancelation after realizing the merchant is a fraudulent company located in XXXX. I have emails that are timestamped showing this. I also disputed the charge with Paypal and my credit card company. My credit card company, whom I also filed a complaint against, told me they denied the dispute because they needed proof the company cancelled the order. Since the company is a fraud, they of course did not cancel the order even after acknowledging that I had requested a cancellation. Their so called policy states an order can be cancelled up until the item ships. The item was shipped 10 days after I requested the cancellation and 7 days after they acknowledged I wanted it cancelled, so basically, they ignored my request in order to generate a bogus shipping label to send to the credit card company and paypal to show they sent something. I have yet to receive anything. Paypal is refusing to dispute the purchase and allowing this fraud website to continue using their platform and scamming people out of money. The merchant is XXXX XXXX  I, they ignored my request to cancel in order to generate a bogus shipping label, and if I ever receive the products, ( doubtful ) their return policy will be past the timeframe for a return and I would have to pay shipping costs to return it to XXXX, if I ever get a hold of anyone in order to send a return. There are plenty of negative reviews regarding this site, which I have attached with this complaint. I have also attached my FTC complaint, their bogus website policies, and all emails sent to this merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: PLANET HOME LENDING, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
As of XX/XX/XXXX my loan was paid in full for the amount I originally agreed to pay, not a short sale or anything less that what the loan was agreed on. I previously had a modification on loan in XXXX. The information being provided in the matter of late payments past 90 days has negativity impacted me in my ability to be approved for housing. I'm a father that is struggling to relocate and find a home given the information that is being reported by Planet Home Lending. After speaking with several representatives from Planet Home Lending, they denied my request for deletion off my trade-line. 

I explained how the reporting impacts me and holing me back from moving forward in life. The response from Planet Home Lending was to show the the attached document stating that the loan is paid in full.This document means nothing because the I will continue to be denied given the number of late payment beyond 90 days. It's inappropriate to report negative information given the fact that the business relationship is OVER. I have fulfilled my agreement and I'm simply asking for Planet Home Lending to DELETE all reporting off my trade-line immediately. This company has no right to still report on my credit given that my loan is paid in FULL. It makes no sense to negativity impact an individual that have resolved the loan, we have no more business therefore that company has no right to appear on my credit report. This is harsh, cruel and uncalled for. I'm being judged and denied for a business matter that I have fulfilled and no longer have any ties to. Can someone please help me in working to delete the reporting of payments that exceeded 90 days. The reality is, no one will take a chance on me given the information this company is reporting. Planet Home Lending did inform me that the plan to report to the 3 credit agencies on XX/XX/XXXX that this loan is paid in full. That not enough for me, I need this line item deleted off my trade-line. A logical, reasonable and ration individual would understand the impact and made the right decision. I pleaded my case to several individuals for the company to call me and tell me that they would not honor my request for deletion. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
For a second time, I took the XXXX XXXX to another car dealership. He told me that I would have to replace tires on the vehicle and was surprised at the amount the loan was for, and asked if the loaner even looked at the XXXX XXXX Value, I told him no, that it was done with a loan application which I never saw. He said that in order to obtain a loan of close to {XXXX} the loaner would have to ask the mileage, condition, mileage, look up the XXXX XXXX Value, etc. 

He said the vehicle is only worth around {$XXXX}, so I can`t refinance, or even trade this in as there is more than the vehicle is worth, so I`m stuck with a vehicle that needs three new tires, the driver`s door needs to be reset, there is paint covering up a mar on the front, and isn`t worth the amount of the loan. Well Fargo Auto Finance, he said, should have asked all of these questions before granting a loan of this amount.

I`m also being charged for two months ' of payments on it, which comes to {XXXX}. I just got back to work, so I have next to no money. Being a XXXX XXXX XXXX, we don`t make a lot of money, and Wells Fargo Auto Finance should have known this. Clients pass away, and we have to wait to get new patients.

I don`t believe Wells Fargo Auto Finance asked for any of this information on the vehicle before granting the loan.

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