BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I recently opened a Savings Account with Wells Fargo Bank with a {$5000.00} deposit. Several days later I returned to the bank to add my spouse to the account, and we executed a Wells Fargo " Relationship Change Application '' ( their form XXXX ). What I noticed at the time was that while Wells Fargo keeps the original form, with our signatures, for account verification, the page they provided me DOES NOT have those signatures. That leaves open the possibility that the page could be substituted, within the bank, to replace those signatures, thus opening that account to abuse. Without a copy of our own signatures, we have no PROOF that WE opened the account, and provided our signatures at the time, because those signatures are unreadable on the copies we were provided. 

In telephone discussions with Well Fargo employees, today, all of them assure me that this is a Wells Fargo policy, and they can not provide me with the confirmation of our signatures by retaining a copy ourselves. Apparently, their policy is that " no document leaves Wells Fargo 's premises with the customers ' signature exposed. '' I believe that is a decision that the CUSTOMER should be permitted to make, rather than having a security policy in place we have no authority to challenge. 

With the recent exposure of other activities by branch employees, this seems to me to fit within that category. The decision to " leave Wells Fargo premises '' with MY copy of the document, subject to MY control, should by MINE, not the institutions. No one at Wells has proposed that this is law imposed upon them ; they universally assert it is their " policy. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: CURO Intermediate Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The first known incident, occurs from an authorized account opened in XX/XX/XXXX in XXXX XXXX XXXX Nevada. Corporation name was XXXX XXXX. As of XX/XX/XXXX the debt was unpaid and thus issued to collections. The age of the victim at time of theft - was age XXXX. The victim whom of which personal information was used to process all of the following accounts, was born in the year XXXX. Clearly there was no authorization that was provided, NOR could they provide as a minor. 

The second known incident occurs XX/XX/XXXX, an online shopping account is made with company, XXXX. XXXX reports first purchase was made XX/XX/XXXX, resulting in a purchase amount of {$220.00}. As of XX/XX/XXXX XXXX then issues unpaid debt to collections. As of XX/XX/XXXX victim of identify theft, begins receiving calls regarding delinquent account. Victim believes to be scam and simply disconnects call. 

XX/XX/XXXX victim receives another collections call in reference to delinquent account with XXXX. 

XX/XX/XXXX XXXX then contacts XXXX to validate legitimacy of collection agency, and attempts to research any and all unauthorized financial transactions that have occurred. XXXX validates item purchased, date of account opening, and address associated. Call is is documented and recorded. 

XX/XX/XXXX Individual experiencing identity theft, then pulls credit report from XXXX and notices ANOTHER unknown delinquent account on report. Balance showing currently {$1100.00}. Collections agency company - Ad Astra Recovery Services. The date of issue to collections- XXXX. The company that of which the line of credit was issued, Rapid Cash CO. 

I am completely unaware of these transactions that of which are associated with my ssn and first and last name. I have contacted local sheriffs office and am going to be filing a policy report. I am under the impression that the individual using my information is my mother, and I have address, times, and dates that of which align with actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: CITIBANK, N.A.
State: MD
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:
Several charges were made on a card that I do not use for any reason and have not in years. I opened the card simply to enact a cheap balance transfer that was concluded years ago. 

The charges can not have occurred with the card in question as the card resided in a ziplock bag inside a drawer inside my own home. Citi are claiming the charges were made with a physical card which is impossible. Citi issued a new card and advised that I destroy the old card which I did. 

Citi claim that because the card was in my possession and a physical purchase was made that I MUST have been the one who made them. I of course did not and fear that identity theft or a breach at Citi has resulted in someone being able to access my information, or clone my card or some combination thereof.

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 monetary relief
Consumer complaint received 2021-01-09
Company: Receivables Performance Management, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am in the process of trying to fix this with the company. I sent a letter to them on XX/XX/2021 and Im waiting for a response. After finding out my credit score went down dramatically and my information was shared on the dark web, I checked my report and found false claims of debt. One was with XXXX the cable company saying I owed them a debt of {$230.00}. I have never had an account with XXXX so I know this is false and it is not 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 2021-01-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian Credit Bureau continues to " Block on line access '' after changing passwords " twice '' Experian has " changed phone numbers to an old no service " number. Account updates were in XX/XX/XXXX and again today XX/XX/XXXX Experian still continues to input " old phones '' as contacts, therefore " Blocking on-line access. 
Furthermore Experian Credit Bureau continues to " OVERRIDE the system '' to " LOWER FICO SCORE by as much as 20-30 points different then the other major credit bureaus and making changes to my account personal information, contact information and email address.

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 2020-03-16
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-03-25
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act, XXXX XXXX XXXX # XXXX has violated my right 15 U.S.C 1681 602. A states I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It 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 2021-01-09
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021, I was at work and expecting my Stimulus deposit. I got on my Chime App and chatted with a representative. I asked them, when was my deposited be posted. 3/5 minutes later, I get an email, stating my account was closed. I havent did anything wrong and I havent used my account since that following Saturday. No fraudulent activity was made and I was able to go into my account, until I asked about my deposit. I do believe a Chime employee, was or did steal my money. I had {$1800.00} in my Savings account and I was suppose to get {$1800.00}, stimulus deposit, the same day. I contacted Chime and they promise me, they was going to expedite my check to me. Now, as of today, the email me again and said, I have to wait 30 days to get my check bc of Covid. Theyre holding my funds and want release them. I had told them that I cant pay my bills and I need my money. They promise me, I will get my check printed and expedited. I have the emails. Now, theyre telling me I have to wait. I dont know what to do. I now, not only have my money in my savings, I dont even have access to my Stimulus money as well. They just keep lying to me. I did nothing wrong for my account to be closed. I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Some how some one made a copy of my debit card and went to XXXX different Chase banks and withdrew {$500.00} each time on XXXX/XXXX/2015. Bank notifed me by text asked if I did transaction, I said no, then I called the Chase Bank to in form them it was not me. Every person I spkoe to at Chase was rude and unprofessional, even told me my account is frozen and that Im not allowed to open another account at Chase because Im a high risk. I even had a gentlemen " XXXX " tell me If I had the card in my pocession then I must have done it. I was beyond XXXX. A victim and treated like a criminal. I was told at this point the person also deposited a check in someone elses name through ATM into my account. I told them it wasnt me and that took them a week to inform me of this. Back and forth several days, weeks and even going into XXXX banks to get my money out ( even the money that was left in my account ) they would not allow me to have access to it. I called again they told me that check sent out on XX/XX/XXXX, I called yesterday XX/XX/XXXX they said check went out on XX/XX/XXXX. Here its the XX/XX/XXXX and I still have not recieved my money. Is this legal for them to do. I did nothing wrong and I feel like they are the criminals they have my money and wont give it to me. I have been told by others that it has happen to them and their bank did not treat them like this. What can I do? What legal rights do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a secured credit card with Wells Fargo Bank. I was required to pay {$500.00} to secure the card. I asked the company to close the credit card account because they were putting charges on the card I had not authorized. They were then asked to return the collateral on the card. A check for {$500.00} was made out to XXXX XXXX, XXXX. I tried to cash the check at their bank but they refused to cash the check even with proof. The company has been contacted several times but I was told lies. When I tried to get the check re-issued in the business ' name and my name they say it could not be done. The impression I have is this : they want me to open a bank account with their bank. What they would do is charge fees I have not authorize or try to mess up my credit report. I do not appreciate being muscled by irresponsible and dishonest people. I would like Wells Fargo to return the security deposit I made in good faith. I do not think they should be considered for opening a business account with their company. I want to build wealth not get ripped off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Conn's, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I financed a tv a wall mount and a XXXX XXXX all in one touch screen desktop thru conns I paid an additional XXXX to XXXX dollars for property insurance 4 days after the initial 1 year warranty the desktop began to malfunction I disputed with conns for more than I should have had to get issues resolved but gained no resolution then I had to go out of state for work when I got back on XX/XX/XXXX I found my house broke into my renter insurance advised me that they would not cover the items from conns as I had insurance through them so I began that process with conns it took them over three months to even start on the matter they wanted me to fill out adjuster paper work despite not being an adjuster they advised me in XXXX ( XXXX XXXX to not make payments on acct and they would not be reflected on my credit then the began making negative reports against my credit then their mitigation department started to call and email daily demanding a payment for XXXX for the wall mount of which I only had half as the other half was attached to the tv that was stolen then they reviewed the acct I got a call from the company customer relations department and was advised that the original finance amount was XXXX and to date I had paid XXXX of that on XXXX XXXX they got a check from life of the south the insurance company ( the insurance company on my original purchase is XX/XX/XXXX ) # XXXX for the amount of XXXX and that conns told me they would send me a check for XXXX for the products which doesnt cover anything not replacement not reimbursement nothing then I got an email stating that on XX/XX/20 they mail a check for XXXX which again does not even come close to covering the XXXX I paid for these products that 0werte faulty to begin with its like I am being robbed all over again and I am still out a tv a wall mount and a very expensive desktop insurance papers says that they pay to conns and conns is supposed to either replace the items or give you money back I do not want to replace the items thru conns I dont ever want to use conns again but I do want my money back I called a lawyer they said that I have a case but conns typically likes to drag things out for years and years and often for so long that people drop the case as they can no longer afford the cost of continuing with their legal pursuit. They reported negatively on my credit and are robbing me of the money paid out

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: Trident Asset Management, L.L.C.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed. acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This is an addendum to my XXXX complaint. Wells Fargo tried a XXXX time to take money out of my account causing XXXX more charges of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: CITIBANK, N.A.
State: MN
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:
On XX/XX/XXXX I've purchased a product from a third party on XXXX for {$960.00}. After 30 Days, the product was not delivered, so I tried multiple times to get it. After 15 days I gave up, bought a similar product in another place, and cancelled my order with XXXX. Because it was an expensive item, and the third party vendor didn't act in a reliable way, I've open a dispute on Citi Double Cash Credit Card. 

Initially, Citi gave me a provisional refund, after I sent the documentation from XXXX proving that on XX/XX/XXXX the money was refunded back to Citi 's Credit Card. For my surprise after 15 days of their " internal investigation team 's '' work, the refund was removed from my account. 

After that we started a monthly process were I called them again, resent the proof, got the provisional refund and that it was removed again. This has been dragging since XXXX. 

On XX/XX/XXXX this {$960.00} was paid in full along with the rest of the credit card 's balance. In the attempt to get my money back from Citi, once XXXX did it's part, I was able to get the banking transaction ID and sent it to Citi Double Cash Credit Card on XX/XX/XXXX. 

It is unbelievable that Citi doesn't have a single place in their website or e-mail to place a complaint. Either you chat online with a robot that takes you nowhere, or call the XXXX number to get the same result over and over again. 

Citi 's dispute process has proven to be so inefficient and not consumer friendly, that I've decided to place this complaint with the CFBP that is very well respected, hoping that we can get a quick and friendly resolution.

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 monetary relief
Consumer complaint received 2016-01-22
Company: TMX Finance LLC
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I went to this loan company and i took out a {$600.00} dollar loan the man took my app and i gave him my info i am on social security i told him to please keep the payments low he said he will so when i went into pay my 1st payment it was {$110.00} dollars i asked the lady why was it that much she said that i was not suppost to be on a installment loan that it was moved to a payday loan i asked her when the man was that i needed to talk to him she told me that he was not working with them anymore so i asked her to keep the payments low she agreed but on my 2nd payment it was not bad at all it was {$70.00} so when it was time to pay my 3rd payment i was really upset they wanted me to pay {$90.00} and i did offer them the {$80.00} dollars but they refused to take my payment and not they say i owe each day a late fee of {$35.00} dollars. I am on a small income i told them and they sad that it was my problem, They call me many times a day and on the weekend non stop back to back calling they even call me from their own cell phones they said that i have no legal rights but what gives them the right to change my personal installment loan over to a payday loan this is so wrong. when i talk to them on the phone they are so hate full talking to me. What Rights do I have, Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Rocket Mortgage, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Quicken Loans to ask questions regarding a refinance of my home. At no time did I give them permission to run a credit inquiry, we were just talking preliminary numbers and they ran a hard inquiry. I have spoken to XXXX XXXX, A Resolution Advocate since XXXX and he has assured me many times that they would have it removed since they had no permission to run it. I made contact AGAIN on XX/XX/XXXX and was told that the removal depends on how quickly the credit bureau removes the inquiry. He assured me in XXXX that it would be removed immediately. Given the fact that I never gave them permission to run a credit check on me, I feel that they should have corrected the problem immediately. I can provide a copy of all email if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first time home owners program because I needed help with the process. They pulled my credit to see were I was standing with my score. As they reviewed my report they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Avant Holding Company, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Avant LLC has charged me late fees that caused my account to go over the limit. For about XXXX months Avant kept charging me those fees at XXXX per month. I was unemployed during that timeframe. I called Avant LLC in concerns to my credit card just to be told they wont be able to assist me. I have requested copy of the statements which they have informed me that they do not have

Company response to consumer: Closed with explanation