BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I initiated a XXXX XXXX  XXXX XXXX deposit to my bank account. On XXXX different occasions XX/XX/XXXX and XX/XX/XXXX. The instant deposit is supposed to credit your account immediately for a fee. The mine did not deposit into my bank account until XXXX days later I had to file a dispute with XXXX and fifth third bank XXXX days later, after following the dispute, the phones became available in my account. However, I had XXXX transactions that came through the account that was not covered because they did not put the funds in my account which was requested to be done instantly because of this XXXX charge me XXXX overdraft payments of {$34.00} each. I contacted this third and was told that they were having issues with XXXX and XXXX XXXX, not depositing monies as they were supposed to but yet still could not refund me my {$74.00} that was charged to my account. This was charged due to no-fault of my own. This was on fifth third bank or XXXX XXXX. I called XXXX XXXX and ask them to give me the funds back and they said no as well so XXXX is blaming fifth third. Fifth third is blaming XXXX. Again fifth third stated that they were having problems with XXXX in terms of depositing money into customers accounts so if you know this information, why are you charging the customers fees because of this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo refused to modify my mortgage after 20 years of payments when I had XXXX in equity and I was DUAL TRACKED, GIVEN IN EXCESS OF 45 different agents as special assistance lied to about date of foreclosure, charged excessive fees, refused to be allowed to pay additional on principal, and now refused assistance and compensation for wrongful foreclosure when I QUALIFY UNDER HAMP AND THE AGENT REFUSES TO ASSIST OR RESPOND. I lost my home, equity, my job, was hospitalized, AND Zit destroyed my life due to their lies. 

I WANT FULL COMPENSATION FOr LOSSES. I ALSO WANT COPIESVIF ALL RECORDS RELATED TO THIS MORTGAGE

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 2023-02-28
Company: EQUIFAX, 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX is missing from escrow account # XXXX. Mr. Cooper claims this money was disbursed for tax ON XX/XX/XXXX, however it was never received by the county. 
In other words, on XX/XX/XXXX {$11000.00} was deducted from my escrow account ( Account # XXXX ) by Mr. Cooper with the reference number XXXX. This was marked as a disbursement for the XXXX County Tax. ( Note that this transaction took place right before my mortgage was transferred to a different company-XXXX XXXX ). This disbursement/payment, that Mr. Cooper claims was made, never reached the XXXX county tax department as of today ( XX/XX/XXXX ). I contacted Mr.Cooper several times and they ca n't locate where the funds are and it could take an indefinite amount of time before they can proceed with a resolution. My current mortgage company has already made another payment to the county ( in addition to the funds that were lost and deducted by Mr. Cooper ). This resulted in a negative escrow in my current mortgage account. The lack of clarity from Mr. Cooper regarding a resolution on the missing amount is not acceptable. 

To summarize : the funds that Mr. Cooper disbursed from my escrow account ( labeled as taxes ) have not been located as of today. The XXXX county tax office never received this tax disbursement and Mr. Cooper does not provide credible information regarding where these funds are. Mr. Cooper 's wait & see approach for locating these funds are not acceptable as the funds are missing/not received for well over 1 month now ( i.e. dating back to XX/XX/XXXX as per the attached loan history statement ). XXXX County tax department has no record of these funds coming in from Mr. Cooper and this is also confirmed by the county tax department. I would like a formal response from Mr. Cooper on this matter and a refund ASAP. I have tried several times contacting Mr. Cooper but no resolution has been provided until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity / Bread Financial Please see complaint # XXXX SUBMITTED ON XX/XX/2022. 

1. In response to first complaint ( above ) Comenity / Bread Financial sent me a letter from XXXX XXXX XXXX XXXX ) on XX/XX/XXXX credited my account IN FULL bringing account balance to XXXX. This letter is included in attachment. 

2. " XXXX XXXX Customer Advocacy '' can not be reached and is believed to nor exist. 

3. Comenity continues to bill me for penalties and charges 4. Comenity has submitted has submitted ( and continues to so so ) negative credit reports and has damaged my credit rating XXXX. Comenity fails to cease charges and penalties during this dispute XXXX. Incompetent customer service seems to acceptable for Comenity / Bread Financial

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: Early Warning Services, LLC
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I use XXXX XXXX XXXX. I was on XXXX and was looking at a business page to purchase a XXXX. I was told zelle was the best way to pay. I paid {$1800.00} on XX/XX/ and got scammed. He blocked me after I paid. Zelle knows where the money went and All of the banks own it. I don't understand why they allow this to happen with no protection to the consumers. It was a fake page with a fake name, but when I put the email from zelle in XXXX XXXX his real name came up. Nothing has been done to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX party involved.Please review the uploaded letters.

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 2023-06-29
Company: EQUIFAX, INC.
State: NJ
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:
I accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX, has violated my right.

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 2022-12-14
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX XXXX XXXX made a payment to transfer the balance on a Comenity Card for {$11000.00}. XXXX XXXX on XX/XX/XXXX on their part without my authorization made a duplicate payment of {$10000.00}. This created an over-payment and credit balance on the Comenity Card of {$10000.00}. 

XXXX XXXX indicates that I have to work with Comenity to get the payment back and Comenity is stating it will take a month to issue a credit. XXXX XXXX states they can not reverse the second payment is charging me interest, late fees, transfer fees and penalties for being " over the limit '' on my new card due to THEIR mistake and over-paying. 

Comeneity is saying that it will take 20 business days to refund me the overage payment MINUS {$180.00} of interest. This is a mistake that was made between two credit card companies and I am the consumer with no authority to issue payments or refunds. 

I spoke to 3 different agents from XX/XX/XXXX - XX/XX/XXXX at Comenity and all they offered to do for me was a refund check and said because it is was over {$500.00} they had to " hold '' my money for EXTRA 10 days?? When they received the overage on XX/XX/XXXX. They should have sent it back immediately as the card had been paid off in full on XX/XX/XXXX. 

This is abuse to myself as the consumer since I have no way to fix this without the two credit card companies working together. I instead am left to fight both of them all the while MY CREDIT is being harmed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: JPMORGAN CHASE & CO.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a phone call XX/XX/16, XXXXXXXX XXXX from someone stating to be a XXXX XXXX XXXX courier service ( XXXX ) XXXX. The gentleman stated that I needed to designate a time to be served and that this was the final attempt before the courts would take action. I arranged for delivery before XXXX that afternoon. He game me the number for the debt collector, XXXX XXXX, ( XXXX ) XXXX, whom I called XX/XX/16, XXXXXXXX XXXX. He never followed up. 

XXXX XXXX stated that I had a Chase Bank debt in excess of {$8000.00} that the court would pursue in full once I was served. He further stated that the settlement amount of {$4000.00} could still be negotiated if he contacted the attorneys handling the Chase bank debt. He put me on hold for several minutes and told me that the attorney had agreed to the payoff amount of {$4000.00} over the phone, however, once I was served I would have to pay in full. 

When I stated that I had filed a complaint with the CFPB years before he claimed that there have been legal changes which now allowed debt collectors up to 10-years to pursue debts. He assured me that XXXX XXXX XXXX would aggressively pursue this debt. I ended the call. 

I have had no further contact with anyone regarding this complaint. 

Thank-you for your help in pursuing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report, and everything reported should be shown as accurate. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. Also, I asked for you to stop contacting me through phone calIs, and I have still gotten constant calls. I request that the following account be promptly removed immediately off of my credit for LVNV Funding LLC for {$830.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : 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 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 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 2023-04-12
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I run a real estate business and decided to use Square ( of Block, Inc. ) to send an invoice to a business partner so that I can receive my split of the profits of exactly {$16000.00} for our work. I made the invoice on XX/XX/XXXX, days before our closing date of XX/XX/XXXX, and my partner paid on XX/XX/XXXX. Square notifies me that the funds would not be available until XX/XX/XXXX. Although this was frustrating, I allowed it thinking it was simply due to their slow processing. On XX/XX/2023, at XXXX, after trying to access the funds all morning that day, I received an email from Square stating that my account has been deactivated and my funds would be held for 90 days! This means that instead of having my money on XX/XX/XXXX, they push it out to XX/XX/XXXX. The email was not clear in giving a reason as to why my account was deactivated. I have made many efforts to contact their customer service department and even asked to speak with their legal team, but nothing was done to provide clarity nor have I been able to speak with their legal department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Inaccurate personal information has been reporting on my account. I have sent letters informing credit reporting agencies to remove the inaccurate information and they haven't removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/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
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: GA
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:
Im submitting a first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XXXX Balance Owed : {$0.00}, XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
My family has received endless marketing emails from Experian after signing up to freeze our credit reports. I have no way of unsubscribing through an email link or from my account when logging in. I want them to stop sending me spam emails disguised as credit alerts that I need to them pay for. The latest marketing email I received was XX/XX/2023, & the companys automated email accounts do nothing when replying to unsubscribe. More needs to be done to reign in these overstepping credit companies. They are just too morally faulty to operate independently as they are.

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 2023-01-25
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:
According to the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. They are furnishing inaccurate information on my credit report 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 ; 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 account under an open-end consumer credit plan as late for any reason. 

I have attached a screenshot of my credit report, highlighted in red is all the information they are furnishing that is inaccurate & unlawful for account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TitanPrep Inc
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been paying TitanPrep Inc {$320.00} a year for services that I can do myself and now that I want to cancel I cant get ahold of anyone. Would call non stop for yearly certification and getting payment but now silence. I have submitted cancellation form and said need to fill out another form but I have received nothing from them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received an email that was very legit looking from the email address XXXX from the user PayPal LLC that said I had an invoice of {$500.00} that I owed. I knew that I owed nothing so I XXXX it and found out that its a scam but its so believable that many people fall for it. I forwarded it to XXXX to report it and now Im reporting it here. We need to fight these scammers so that others wont be duped. I know this is not from PayPal but I dont know who its from so I have to alert PayPal that its happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was contacted by XXXX XXXX and saw XXXX XXXX on my credit report. I have never talked to or signed anything with this company, to have my personal information. I have three different account with my name on it. I believe it was an account with XXXX  It is 2 accounts with {$83.00} and one account with {$96.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief