BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was incarcerated and almost XXXX were taking out of my account when I finally was released I called the bank and explained the situation and provided proof that I was incarcerated and I never got help or a resolution everything was denied despite the fact that I even told them I was incarcerated for 6 months and didnt do any transactions that caused my account to be closed and my money to be gone

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 2019-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX had filed a default judgement against me that was a result of identity theft, and are currently garnishing my wages. I was never served a summons for court to defend myself and never received any communications regarding what was going on. I was very surprised when I received an email from my HR department alerting me that they have been mandated to garnish 25 % of my bi-weekly paycheck to XXXX XXXX in their attempt to collect a debt that has an unpaid balance of {$140000.00}. I was informed that they are obligated by law to start garnishing as soon as possible which started on XX/XX/2019 and is still on going. I was very distraught with this and promptly responded to my HR to see if there was anything that could be done about it. I was informed that until they receive something from the law firm ( XXXX XXXX XXXX XXXX ) letting them know that the issue has been resolved, their hands are tied by law. I could not believe what was happening as I had no idea that I had a credit card with Capital one, or that I was sued by XXXX XXXX, and as a result of not knowing all this, they were automatically granted a default judgement because how could I have defended myself if I had no idea on what was going on which I didn't as I never receive a court summon or any sort of communication. 

I immediately went to check my credit report from all three credit bureaus which is something I have not done in a while and immediately noticed that they had also reported this on my credit and XXXX XXXX have also acquired another supposedly debt from XXXX XXXX with a {$660.00} unpaid balance. I immediately contacted XXXX XXXX mainly discussing the account with {$140000.00} which they are currently garnishing my wages for. I explained to them that I am a victim of identity theft and never submitted a Capital one credit card application or Capital one collection and I never received a court summon any communications. They asked me about an address on file which was not my correct address, and I told them so. I was told that there is nothing than can be done about it because they now have a default judgement and will continue to garnish my wages. I went on to file a fraud alert and dispute with all three credit bureaus as outlined in FCRA section 609 form asking them to verify proof of the debt with physical verification of an original signed consumer contract and have been responded with verified as accurate which is still not in agreement with the law, thus continuing to be in violation with section 611 -noncompliance and continuing to damage my report and garnishing my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX has violated XXXX XXXX XXXX XXXX In accordance my rights. 
15 U S C 1681 section 602 A. States I have the right to privacy 15 U S C 1681 Section 602 A Section 2. It also states a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My husband 's Truist bank debit card was charged for a lot more than what was suppose to be. My husband is XXXX to XXXX. He went to a resturanut on Friday XX/XX/2023. When he paid for services the resturanut charged his card for {$920.00} instead of {$92.00} that he was to be billed. Unfortunately the resturanut did not give him a receipt after the charge. It was very busy at the resturanut that night. My husband 's XXXX was also taken for {$1200.00} at the same resturanut and was not given a receipt. My husband also misplaced his XXXX card at the same resturanut and they tried to charge that card for {$350.00}. Thankfully XXXX did not let that charge go through. Why Truist bank let this charge go through is beyond me. We don't have a single charge through our bank for so much money. We don't spend that kind of money. The resturanut is also called XXXX resturanut which makes it sound like its a casino/gambling place. It's not that at all. Gambling and casinos are outlawed in XXXX. It's illegal. I've tried to get our money back from Truist bank and canceled my husband 's card right away but I believe they didn't even try to investigate the situation. Just because we didn't have a receipt they denied us. I called 24 hours after I spoke to the bank about the fraud charge and they had already denied my claim.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I read in the paper that Wells Fargo owes most of their customers some money because of a banking problem. Not sure if I qualify but wanted to reach out to check. Thanks!

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 2023-01-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
PayPal banned my account. I comply with their legal agreements but they shutdown my account instantly. I don't have any disputes in my account. The executive of PayPal email me that their decision is final but its not fair for me because I don't make any illegal activities in my account, and their reasons are not acceptable because its changing. First they email me that Im violating the rules from gambling and then they email that I'm violating about unapproved file sharing then they email that my account was in a potential risk. I don't know what is the real reason. For me I don't make any illegal activities in my account they acuse me the things that I don't make that's why PayPal is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 items 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 : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

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 2019-10-05
Company: National Credit Systems,Inc.
State: TX
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:
Received a letter from XXXX XXXX XXXX in XX/XX/XXXX regarding an invoice stating we owed money. Contacted the company immediately upon receipt and was told by them they they did not have to provide any information to validate debt ( which they have to provide under the FDCPA ). I disputed the debt as I didn't know what it was for. I have made several attempts over the last two years to have this removed and company refuses to do so, despite not wanting to follow the law regarding debt collection practices. I pulled my credit report this year, and noticed that the debt had been sold to a debt collector National Credit Systems in XX/XX/XXXX. Despite them accruing the debt at that time, I have not received any letter from them to verify the debt. I attempted to dispute the debt through CRA due to the failure to provide proof of validation of the debt and they continue to fight it, but also refuse to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: VA
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 never applied for a XXXX  store card. I only checked to see what my preapproval credit line would be. I never made an account, and I never placed an order. I also never received a credit card agreement which is my proof that I never signed up or authorized XXXX to open a credit account in my name. This opening has caused a severe dip in my credit score and I did not authorize this account to be opened.

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 2023-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
An account was opened in my name at Bank of America. A Bank of America employee informed me that is was fraud based on the email address associated with the account. I have tried 3 separate times to have the account closed. Each time the fraud specialist I spoke with at Bank of America gave me a different answer as to how to go about doing this. The last time the fraud specialist I spoke with said they closed the account. Yet I still receive statements showing maintenance fees accumulating and that the account is active. Bank of America refuses to close the account and continually lies to me about the status of the account and will mot give me accurate direction on how to go about getting the account closed permanently.

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 2019-05-10
Company: 2288984 Ontario Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Around XX/XX/2019, I applied for a loan and was approved for XXXX. I then called, as the email that I received advised me to do, to speak with a representative to ask questions about the loan. He reassured me that I could pay the loan off early or making a large payment before the first initial payment is due would help with the minimum payment amount going forward. I accepted the loan. I then gave XXXX another call ( another name they are known as is XXXX XXXX ) on XX/XX/2019 due to the payment being due on the XXXX to see how much I would have to have paid on the due date ( XXXX ) and to discuss options with paying them back. I set up a XXXX dollar payment to come out on the due date. the rep advised me by the end of the call that it would be beneficial to pay the loan off by the due date. I said ok, let me see what I can do. I advised the rep to leave the payment set up on the account. I then called back on the XXXX to make the payment in full ( the remaining balance which is due on the XXXX!! ) and was told by the representative to wait until tomorrow ( which would be the XXXX ) to make the remaining payment. I call on the XXXX and they are now telling me that I have to make a payment in the amount of XXXX dollars!!! I explained to them what was due on the due date and they tried to explain to me that the payment that was made was a payment towards the principal. I escalated the problem to a supervisor! She called me the next day and tried to explain to me that they could offer me a deal to pay the balance in full with a payment of XXXX dollars!!!! This is terrible. I wanted to pay my loan in FULL on the actual date when it was due and Im being charged an additional XXXX dollars to do so!!!! Had I been told that any payment made on the account would only count as a payment and not to help me pay my balance in full I would of simply waited!!! That makes no sense! Im disappointed that this is happening. I hope people choose not to work with this company at ALL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 submitted disputes of identity theft along with documentation to support my claim on XX/XX/2023 for the following accounts to be removed XXXX XXXX  Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above accounts is a violation to my rights. 15 U.S.C 1681 section 602A states I have a right to privacy 15 U.S.C 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 
I was incarcerated at the times these accounts were opened. ( XXXX ) With that information alone the accounts should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have student loans which have been consolidated more than once upon Navient 's recommendation. First time they were consolidated I was told by navient or XXXX XXXX more than 20 years ago that after 10 years of on time payments, My loans would be forgiven, whatever balance was left if any. I was told I qualified for this because of something to do with being a teacher of the speech and hearing handicapped. I believed them, and planned my future around that for some time, as servicers changed and representatives training changed, suddenly one day I was told that this wasn't true! I now sit with over XXXX in student loans, my educational loans come from XXXX and XXXX college, however it was the servicers who gave me false information. I am almost XXXX and didn't expect to be lied to by a loan servicer. I wasn't familiar with all the repayment options income based, etc.. from the start, and I was totally misinformed because I was ( YEARS LATER ) told that I needed to be consolidated to a direct loan to qualify for any forgiveness, and that I didn't qualify for forgiveness under the plans... it was devastating! And is a hardship to be told that I will be paying for these loans for 20 more years, but if i had been in a different program after 20 years of qualifying payments it would have been forgiven. If I'd been in that program I'd been near the end of repayment now! This is a mess

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: NV
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:
There are accounts listed on my credit report that do not belong to 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 2021-06-29
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint against AmeriHome Mortgage in XXXX, NJ. 

- 1st Mortgage payment due XX/XX/XXXX, payment attempt made XX/XX/XXXX via phone using routing and acct number after online payment could not be made online because of Amerihome 's website failure. A confirmation number was provided at that time for phone payment. Phone call made XX/XX/XXXX to fix problems logging onto account and discovered that no payment had been made. 
- XX/XX/XXXX payment made via phone for full amount - XX/XX/XXXX " returned payment reversal '' for no explained reason, and no notification, and now our payment is late - XX/XX/XXXX payment attempt number 3, also for full amount. 
- XX/XX/XXXX : payment confirmation email received - XX/XX/XXXX another " returned payment reversal '', again for no known reason, no notification - XX/XX/XXXX payment attempt number 4 made over the phone to Amerihome representative, now in collections! Finally gained access to our online account to see our payment history, very concerned about our credit score being severely affected through no fault of our own. AmeriHome is not able to email their customers ANY confirmation of payment. This is unacceptable! Amerihome representative promised to call us on XX/XX/XXXX to confirm payment " cleared. '' We were assured payment " should clear around midnight. '' XXXX : contacted collections to establish a credit dispute. Amerihome representative looked up payment information in the system and confirmed it was correct and that payment had been made that day. Representative unable to say whether payment would clear in time to avoid reporting to credit bureau. Representative said website goes down " every now and then. '' The representative was unable to explain why the payment was confirmed and then reversed 6 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting 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:
All inquired about the report are in violation!!!

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer ( a ) IN GENERAL, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency my WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions 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:
My information has been compromised and used without my consent. There has been many credit accounts that I do not recognize reporting erroneously. None of these accounts have ever been used or solicited by 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 2018-01-27
Company: EQUIFAX, INC.
State: SC
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 week of XX/XX/XXXX I sent validation/ verification to XXXX , Equifax , and XXXX because XXXX/XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX so they were deleted from XXXX and XXXX. However XXXX is still on all three bureaus. Equifax wouldn't delete XXXX even though they never could prove the debt to be mines. Also Equifax couldn't clarify why both XXXX and XXXX are both on my credit if it's the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was a client of Wells Fargo and had many issues with that company. First they lied about my savings account. Then they would hold onto checks for longer then necessary which led me to overdraft fees that they would not credit. They charged abnormal overdraft fees. I once had fraud reported on my account and they told me oh well and to deal with it

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