BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-26
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, a regular monthly {$3000.00} ACH transfer was executed from my checking account at XXXX XXXX to Wells Fargo. 

The transfer was completed ( Trace ID # XXXX ) but the funds were not credited to my Wells Fargo account before the account was closed on XX/XX/XXXX. When the account proceeds were sent to me by check, the {$3000.00} was not included. 

I have filed multiple claims with Wells Fargo ( most recent claim # XXXX XXXX for the return of the funds. In response, Wells Fargo first recurrently denied the transfer was completed, then claimed to have returned the funds to XXXX XXXX. Finally, in a letter dated XX/XX/2021, Wells Fargo acknowledged the completion of the transfer : Based on the information provided in your claim, our research has confirmed that this payment was processed with no error on our part. However, they said nothing about returning it. 

In a fax on XX/XX/2021, I again provided Wells Fargo with the Trace ID number, a copy of my XXXX XXXX statement for XX/XX/2021 showing the transfer, and even a copy of its own letter to me confirming the transfer. 

However, Wells Fargo has been nonresponsive, now claiming that XXXX XXXX is responsible for requesting the return of the money -- but not responding to XXXX XXXX 's request that they do so ( that according to XXXX XXXX, Business Reporting and Customer Advocacy Manager at XXXX XXXX ). In its most recent letter to me, Wells Fargo says " We consider this matter closed. '' There is no mention of where the funds are or why they have not been returned. 

Wells Fargo is clearly committed to keeping my {$3000.00}. I request your assistance.

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 2019-02-10
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A girl told me via XXXX messenger that she would sell me tickets for {$70.00}. I sent {$70.00} to her requested PayPal account and then she never sent tickets. I have full proof from XXXX messages as well as the receipts from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Since at least XX/XX/XXXX my account has been locked to usage and I have been unable to get them to unlock my account by the numerous calls and messages I have sent them. They keep forwarding me to call centers outside of the United States and no one seems to understand the English language! 

I have had this account open since XXXX and have had NO issues until recently with is bank and I have had about had it with Citi bank ; I am at my breaking point. They tell me mixed messages about how to go about getting my account unlocked including calling their account security team or that I would receieve a letter in the mail with instructions and a code to get it unlocked to which I have NOT receviced and when I call they keep telling me to wait! 

It is going into XXXX already and this is completely unacceptable customer service provided to a XXXX year old woman who had remained loyal to this bank for FIFTY THREE years!

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 2021-01-03
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A collection was place on my credit for a XXXX  bill so I sent the company a letter to verify my dept in XXXX then they sent a letter back with a bill. So i sent another letter in XXXX for the company to verify and they just sent another bill and attempted to call me numerous times. I have yet to get another letter from them and they just ignored my request and reporting late payments on my credit for an account they could not validate, and it been over 45 days since they received my letter.

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 2019-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a victim of identity theft and I have noticed that the following items are being reported and do not belong to me. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Harley Davidson Financial Services Inc
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Harley Davidson is reflecting a " negative '' criteria on all three of my credit reporting agencies ( XXXX XXXX, XXXX  & XXXX ). 
This account was opened in XXXX of 2011.There is no past due amount, there is nothing owed on this account. This account is paid in full AND they have made a profit on this loan! 
It is showing a one time 30 day late! I was never late, non the less this company continues to send me paraphernalia as I am a CUSTOMER IN GOOD STANDING with offers to purchase another motorcycle. I have no problem with this, however if I am such a great customer, why is my account not reflecting positive - as it should. I am also a member of their XXXX XXXX and have done many sponsored charity runs that the group promotes enthusiastically as it is common human concept of respect to help others. 

This account is indicating " closed '' it is PAID IN FULL and the company made a profit on my loan! I have attached a photo of my account which indicates that I am a customer in GOOD STANDING! You can see in the lower right hand corner the date is today! 

This negative criteria is creating consumer harm and vetting for job and college loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4200.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1.XX/XX/XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

3. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.

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 2021-01-04
Company: Amsher Collection Services, Inc.
State: WA
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 informed by XXXX XXXX that there was a bill sent to collections on my credit report. This was not my bill, I had never heard of the company that was billing me. It was in the amount of {$550.00} from XXXX XXXX and it was sent to XXXX XXXX on XX/XX/2020, account XXXX. I have never received an actual statement, I just am giving you information provided to me by XXXX XXXX. This is fraud, someone using my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a collection report item from XXXXERC, i called and paid XXXX  directly they said they will send me a letter saying they have ERc remove the item from my credit report since i paid them directly. They sent me the letter i forward to ERC and they said they dont delete items off the credit report.Since i paid XXXX  directly ERC has no claim on any debt since i paid XXXX directly. there is no collections to report since i paid off the orginal company, ERC has no rights to add something to my credit report since they have no debt to report. I need this removed from my credit report as I am in the procress of closing on my XXXX load for a house purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXXXXXX XXXX Balance : {$4700.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXXXXXX Balance : {$4100.00}.

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 2022-01-08
Company: Experian Information Solutions 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:
due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this report.

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 2019-02-10
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I executed a promissory note in the original principal amount of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX dollars ( {$180000.00} ) to purchase my homestead. The current holder of the said promissory note is OCWEN Loan Servicing, LLC to whom I am making monthly payments. I applied for Loan Modification as pursuant of the Government Home Affordable Program and eventually OCWEN Loan Servicing called on XX/XX/XXXX, that my monthly payments went higher than when was originated. I, along with my husband, who is now XXXX, have been attempted to modify our loan through OCWEN Loan Servicing and I will attach soon communication evidences in between us and OCWEN Loan Servicing. On XX/XX/XXXX, OCWEN Loan Servicing sent Opportunity for Appeal and I responded on XX/XX/XXXX as the Opportunity for Appeal for Loan Modification. On XX/XX/XXXX, OCWEN Loan Servicing responded that application is currently COMPLETE, as of XX/XX/XXXX, they were not requiring any additional documents from us. While OCWEN seemingly trying to modify my loan, at the same time, OCWEN Loan Servicing are trying to foreclose on my property. I wish to return to my home but OCWEN Loan Servicing were continuously threatened us to foreclose my home and my family left for fear with OCWEN Loan Servicing 's Agents were trespassing into my house by intimidation, while simultaneously working with my mortgage modification ( called " dual tracking '' ) to allow myself to avail the Federal Affordable Loan Modification, but OCWEN Loan Servicing continuously sending notice to foreclose us. We were terrified and worried as they forced us to leave. It is my assertion that OCWEN Loan Servicing have not dealt with us ; as borrowers in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: WESTSTAR MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have a mortgage held by Weststar. I have attempted to make my monthly payment in their online system, but receive the error : 403 - Forbidden : Access is denied. 
You do not have permission to view this directory or page using the credentials that you supplied. 

I have called Weststar. They do not answer their phones and have ended the call before I'm able to speak to anyone. I have submitted a request to their customer service form, but have not received a response. I have tried to leave a voicemail, but the mailbox is full.

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 2021-01-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX is currently under legal litigation. XXXX is required to forgive the remaining balance on loans. XXXX will also request that the loans be removed from consumers credit reports. According to the multi-state investigation website, XXXX knew that some of their borrowers were at a high risk of default but turned a blind eye to these risks and exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. XXXX needs to remove their collection from my Experian and XXXX  credit report.

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 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

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 2023-09-29
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Paycheck Solutions llc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/23, Paycheck Solutions submitted a wage garnishment letter to collect on unpaid debt. Per Texas law, wage garnishment must be approved my court judgement. Paycheck Solutions sent a letter to my employee only requesting wage garnishment that was not court appointed or signed by a judge. Letter was only notarized by local notary in the state of IL. On XX/XX/23, I received a copy of my paystub that showed {$530.00} had been garnished as a result of the false writ of garnishment letter that was sent to the employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am contacting you in regards to a PayPal Credit account I used to have, which has been closed since 2021. I continue to receive letters that detail 2 charges each month beginning in XX/XX/XXXX : a late fee on the 3rd of each month and an interest charge each month on the XXXX of each month ( compounding each month ). I have spoken to PayPal Credit on numerous occasions, on each of which I have been told that the charges were issued automatically in error, and they refund them. Then, a couple of months later, it starts all over again. I owe nothing to PayPal Credit, the account is closed, and I am prepared to initiate legal recourse at this point. These charges are appearing as an outstanding balance reported to XXXX, thus negatively impacting my credit score. Please help me finalize this ; I am angry and tired of going through this with a different customer service agent each time, only to have the problem recur. At this point when I call PayPal Credit, they can not even locate my information in their system. They say no account exists, yet I continue to receive letters. Thank you for your time. Please let me know if you require further documentation.

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