BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
CAPITAL ONE BANK USA NXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX XXXX, 3 checks were stolen from the post office. XX/XX/2022, one check was washed. The check was for a credit card payment. The payee name was changed to an individual and cashed. XX/XX/2022 another check was washed and cashed. Both the payee and the amount were changed which put the checking account into overdraft leaving my account balance of almost a minus {$1000.00}. When Wells Fargo notified us by mail that we were in overdraft and lost almost {$8000.00} in funds, the account was closed before the third check could be cashed. An affidavit was filed with the bank, a report was filed with XXXX police and the post office was notified. Wells Fargo stated that it would take 10 days to resolve the issue. The bank has confirmed that fraud took place but as of today has not refunded the money or offered provisional credit. Wells Fargo now states that it could take 120 days to make a decision with no guarantee of refund. This information is nowhere to be found in any literature given for this type of account. I have complied with every request from Wells Fargo with no result. From the little research done I have found that Wells Fargo is treating thousands of their customers in the same way in hopes that they give up on trying to get money that is insured back to accounts held at the Wells Fargo. Please help as I have no other recourse at this time. Any suggestions that could assist in the matter would be greatly appreciated. Thank you.

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 2019-03-22
Company: EQUIFAX, INC.
State: NC
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 sent an investigation request to Equifax on XX/XX/XXXX, and they haven't responded yet with the results. They were supposed to respond in 30 days, but they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the evening on XX/XX/18 my Chase debit card and my Chase Sapphire card were stolen from my wallet. They were replaced with decoy cards that looked like them, but they had a different name on them. My phone was also stolen along with them. I didn't notice as I was out having dinner but paying cash the entire time, and it appeared to me as if the cards were still in the wallet. I just assumed I had my phone stolen. They were then able to call Chase bank and have my ATM limit raised. They then took out {$2000.00} dollars in four separate ATM transactions. Two of them for {$800.00} and two of them for {$200.00}. The person who stole them then went to a place called XXXX XXXX XXXX XXXX and made two separate purchases for {$2200.00} and {$2600.00} respectively. They also made purchases for {$20.00} and {$75.00}. All of these happened after XXXX on XX/XX/18. My account was almost entirely cleaned out by this. I informed the bank the next morning. I filled out a police report and an insurance form for a new phone the next day when I noticed. I have gone through this several times for several weeks with a banker for them. Finally they resolved to not credit me with any of my money back. I am attaching all files that were sent to me by the bank. The police report is also attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-07
Company: Credit Bureau of Carbon County
State: UT
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:
" NEW ISSUE '' XXXX  and COLLECTION CENTER, WY continue to report an account that was opened in my name without my permission. Additionally this was a result of fraud and identify theft. I have disputed this account to be removed. Police report is your responsibility to retrieve and investigate. Continue to report this account is a major violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by Goldman Sachs Bank USA last week and told my account was overdue. I contacted them several times and was told disregard email account was fine. this was in reference to amount still owed for XX/XX/XXXX and XX/XX/XXXX, I should have only owed a remainder balance for XX/XX/XXXX, however I was told payments were declined by bank, which is odd because why would I be told the opposite after having called and spoke to a customer service representative and they confirmed receipt of payment, only to receive a call last week to be told account was almost 3 months overdue. 

The representative for Goldman Sachs and I called XXXX XXXX XXXX XXXX on a 3 way call and was told the payments weren't received. I know the money didn't go back to my checking account as I was forced to use my credit card to eat. I hardly ever use my credit card unless I am out of funds. The credit card is designed to build my credit and not destroy it! Something similar happened with another credit card I had to have canceled and reissued however I will address that issue in another complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRUIST FINANCIAL CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My mother passed away in XXXX of XXXX. On XX/XX/XXXX her condo was sold and the mortgage was paid in full. At the time of closing we paid all taxes on the property and were to be reimbursed by the lender ( Truist Bank ) for the {$1200.00} in the escrow account. 
The title company provided Truist with the new address for the escrow check. They ignored the request and sent the check to the old address. 
After 30 days of not receiving the escrow check I called Truist and they stated that since I was not on the mortgage they would have to send me paperwork. I did the paperwork and sent it back in. After multiple requests from Truist for additional information they finally mailed a check to the proper address. The check was dated XX/XX/XXXX. I then received a check a day or 2 later for a check dated XX/XX/XXXX. 
I called Truist on XX/XX/XXXX to find out which check that I should be depositing they told me there was a stop payment on the check dated XX/XX/XXXX that I should deposit the check dated XXXX/XXXX/XXXX. This check was deposited on XX/XX/XXXX. 
On XX/XX/XXXX the bank reached out to me and stated that Truist had cancelled the check and that I would then be charged the check cancellation fee in the amount of {$10.00} and the {$1200.00} would be removed from my mothers trust account. 
As of today XX/XX/XXXX it has been 72 days since we have sold the property and paid the mortgage in full and we have not received an Escrow return check that is valid.

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 2023-01-19
Company: UMB FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had an XXXX with UMBXXXX ( " UMB '' here for purposes of brevity ) until the end of XXXX. 

In XX/XX/XXXX, I submitted a claim to UMB to pay a {$1400.00} XXXX XXXX bill. UMB charged me {$140.00} in fees before deducting the {$1400.00} from my XXXX on XX/XX/XXXX. Payment was reportedly sent to XXXX that day. ( I subsequently transferred the remaining UMB balance to a successor trustee, but that's not the issue. ) When I was told by XXXX XXXX that the payment was never received, I contacted UMB on XX/XX/XXXX and was told that the check had never been sent. It had been left in " check printing to the provider '' status. UMB supposedly voided and reissued payment to XXXX at that time. 

When XXXX continued reporting no receipt, I contacted UMB again on XX/XX/XXXX and was told that the replacement check had been sent to XXXX on XX/XX/XXXX, not XX/XX/XXXX. 

UMB now concedes that it can find no record of the XXXX replacement check ever being sent. XXXX is now sending my bill to a collection agency, jeopardizing my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Spring Oaks Capital, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This agency has placed a collections on my credit report and I have no knowledge of this collection. I have not gotten any written notices which means I have not been giving my lawful right to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Global Lending Services LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified and unauthorized accounts must be removed. All dates were XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: MA
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 PULLED MY CREDIT REPORT FROM EXPERIAN AND NOTICED TWO XXXX XXXX  ACCOUNTS REPORTING BACK ON MY CREDIT. EXPERIAN REMOVED THEM TWO TIMES. I CALLED AND SPOKE WITH A REPRESENTATIVE AND THEY SAID WE HAD A BLOCK ON THE CREDIT. I REACHED OUT TO THE CREDITORS AND THEY SAID THEY NO LONGER OWNED THE DEBT. BY LAW THE CREDITOR CAN NOT SELL YOUR DEBT TO AN COLLECTION AGENCY THATS AGAINST THE LAW. I NEVER SIGNED ANY PAPER WORK TO RECEIVED CREDIT CARDS FROM XXXX XXXX. THERE HAS BEEN FRAUDULENT ACTIVITY ON MY EXPERIAN REPORT WITH THIS ENTITY FOR YEARS. I HAVE STARTED THE LITIGATION PROCESS TO SUE EXPERIAN AND XXXX XXXX FOR FALSE REPORTING ON CREDIT REPORT. AS A CONSUMER I HAVE THE RIGHT TO TAKE THIS TO COURT. YOU WILL HERE FROM MY LAWYER.

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 2022-12-28
Company: Experian Information Solutions Inc.
State: GA
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 needed a loan and just applied for XXXX, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was. 

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.

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 2023-09-07
Company: Real Time Group, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
sometime around XXXX they bought my 2nd mortgage from wells fargo they hold deed to my house - cant refinance or sell without them taking my home. 
XXXX XXXX was trying to foreclose on my home and I had to hire a lawyer to stop proceedings- they said they would refinance with new company so I had a new loan. Paid on it for years and then found out they had deed on my house- they dont show up on my credit report. they are just lurking in the background waiting for me to pay more on my house and then take it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-02-14
Company: EQUIFAX, INC.
State: AR
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:
Hey I was taken advantage of due to mal-practice while several laws were broken under the FCRA regulation by your company. This has caused me financial injury, defamation of my character, I cant get a job, a car, let alone apply for credit. I cant even get a SBA loan due to the crisis of covid. You have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Mercury Technologies, Inc.
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:
Our Mercury Bank account was locked from online access on XXXX/2023, so that we can not see the balances or any transactions simply because an incoming ACH payment was not in my name. I explained via email to Mercury Bank 's compliance department that the ACH was in a dba of ours and even provided documents to prove that but Mercury has so far ignored us. {$10000.00}. was confirmed via email from Mercury as transferred from the account yesterday to another ( linked, external ) account of ours and they did email us the confirmation that this was done, but this was before Mercury compliance locked the account so now we don't even know what is going on or if Mercury in fact made the transfer. And another ACH deposit arrived in the bank account today and we don't even know what happened to it or what our balance is. This is NOT the way to do business over something as minor as the name on an ACH not matching the account holder name which actually the name DOES match our dba. If a bank has an issue with an incoming ACH it must either accept it or return it to the source it CAN NOT both accept the ACH and then refuse to honor a customer 's order to transfer the funds out - that would be a violation of federal Banking regulations to provide confirmation that a transfer was made and then not make it, let alone to hold funds in our account and also not honor the transfer out request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  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 2019-10-07
Company: Experian Information Solutions Inc.
State: UT
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:
" NEW ISSUE '' Experian and XXXX  XXXX, WY continue to report an account that was opened in my name without my permission. Additionally this was a result of fraud and identify theft. I have disputed this account to be removed. Police report is your responsibility to retrieve and investigate. Continue to report this account is a major violation.

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 2023-09-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-09-07
Company: Paramount GR Holdings, LLC
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Other advances of future income
Issue: Issues with repayment

Complaint:
Goodleap has issued a loan under my name that i never applied for. Goodleap has placed a Lien on my property for a loan I never applied or received funds for. 

Loan amount {$45000.00} Notice Date XX/XX/XXXX  GoodLeap www.goodleap.com ( XXXX ) XXXX Goodleap XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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:
I have NO contracts or business dealings with XXXX. XXXX and credit agencies along with XXXX XXXX who sold my information to XXXX without my knowledge, traded information to discredit my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions Inc.
State: CA
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 filing this report today XX/XX/2020 because I found four accounts and a few inquiries on my credit report that do not belong to me. I never opened these accounts or made these inquiries and I did not allow anyone to open them in my name. I do not have a written/verbal contract with any of these companies nor did I gain anything from them being open in my name such as money, goods, services or any other benefit. I did not make any transactions such as payments or purchases with any of these accounts. I filed a police report and a complaint with the CFPB regarding these unauthorized accounts.

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