BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to complain about a problem that I have experienced with my account at Wells Fargo. On XX/XX/2022, I discovered that a garnishment had been placed on my account. However, I received notice on XX/XX/2022 that the garnishment had been dismissed. Despite this, Wells Fargo has refused to release the funds that were garnished. 
This situation has caused me significant financial hardship as I rely on these funds to pay my bills and meet my financial obligations. XXXX disconnected my power the next day and I could not afford to feed my kids. I have contacted the Legal Department services multiple times to try to resolve this issue, but I have not received a satisfactory response. 
I am requesting that Wells Fargo release the funds that were garnished as soon as possible. I would also appreciate a written explanation of why they have refused to release the fund.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-01
Company: SANTANDER HOLDINGS USA, INC.
State: PA
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:
This lender is reporting a fraudulent account to my credit profile. I have reached out to the company for removal of the fraudulent auto loan account and nothing has been done to resolve this issue. I have reached out for over 150 days. The account does not belong to me and is inaccurate. Please have this company remove the account completely from my personal credit report. By law my credit report must be accurate at all times or the information that is deemed to be fraudulent needs to be permanently removed from the report on all my credit reports. Failure to remove the account to will result in me taking legal action lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had submitted a complaint with CFPB on XX/XX/23. Marcus by Goldman Sachs closed out complaint saying they resolved the issue. They have not. On XX/XX/23 I called and spoke with XXXX who was going to transfer funds out to my XXXX XXXX XXXX. On XX/XX/23 I received a call from XXXX at Marcus by Goldman Sachs saying that Marcus denied my transfer but I could reinitiate it on Monday XX/XX/23. On XX/XX/23 I read the response from Marcus in which it states the transfer was requested and is being processed on XX/XX/23. I did call Marcus back after reading this response and spoke to XXXX who initiated another transfer. I am filing this complaint as I have been told different answers every time I call and still do not have my money back after almost three weeks of non stop calls to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Public records on credit reports are invaild and all three credit bureaus refuse to remove them ; they have not furnished me the source of where this invalid information is coming from and its all wrong the date filed, dismissed, amounts, reference numbers are all wrong ; I have request validation from court houses and was advised they do not valid public records for consumers or credit bureaus ; I have disputed this information and have not been processed correctly Child support should not be on reports at all and the bankruptcy isn't valid failure to remove will result in civil case such as Civil Case # : XXXX XXXX XXXX v. XXXX and child support violates Public Law 805-C3. need bankruptcy and all 3 child support accounts removed.

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 2023-09-01
Company: Comerica
State: MO
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On or about XX/XX/2023 I payee XXXX XXXX wasn't able to make a purchase when attempting to contact direct Express customer service I keep getting a auto response stating it's peak time call later therefore unable to resolve my issues. This is a shame! People or payees taking care of those with disabilities should always have access to customer service and they should have enough employees to help all customers and payees at all times! I will be asking my XXXX XXXX and Reps to change contract to another card company since this continues to occur from Direct Express card company shame on them for declining transactions and not answering phone for disabled persons and payees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: NV
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I have been taken advantage of by my spouse and other companies by fraud school loans as well as fraud with obtaining a mortgage loan as well as irs fraud and as well as fraudulently obtaining government benefits and then not seeing them for my child and I as well as having my paychecks routed to them as well.siging my name with my rights as a spouse at wells Fargo. Opening bank accounts under my son 's name to do more fraud this or these acts was committed by my spouse and as well as his adult kids and his exes to bankrupt 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 2022-10-21
Company: EQUIFAX, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
I Paid {$500.00} XX/XX/2022 I was not sent a letter after my payment that I was going to be reported to the credit bureaus I was trying to prevent this and I was assured by the representative XXXX XXXX. I have recorded messages and my bank receipt. The last time XXXX XXXX called me was XX/XX/XXXX just two weeks after I paid {$500.00}, no connection after this I was immediately reported to the credit bureaus out of anger.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 



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

Company response to consumer: In progress
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: CT
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
***urgent help needed *** PHH , servicer for XXXX illegally Forclosed on my home on XX/XX/XXXX violating RESPA , Dual Tracking, & Due Process. I am requesting Void/Cancellation of the forclosure sale that took place of my home and causing severe XXXX  and XXXX for me. For seniors is there an Elderly Financial Exploitation claim I can make? This is blatantly unlawful right? Despite ME reaching out 3x on 3 different days nearing the 'sale date ' then I was never replied to by the bank 's representative NOR the banks legal representatives. I emailed Legal and the rep at PHH asking them who will put in a cancel ( this 'cancel ' has been done before. ) It is clear PHH/XXXX NEVER intended to 'help ' after numerous mailings to me to the contrary and confirming receiving my documents within the time frame ALL documents. I keep documentation ask me! Imagine, NO ONE available to offer me legal advice, pro bono is too " busy '', and I know no one to ask for help and given the history & XXXX. of XXXX, I felt they would pull this but I was helpless to the devastation which lay before me. XXXX perpetrated fraud. I still never got an answer. So after an emergency petition I have a hearing XX/XX/XXXX without a lawyer not knowing what to say. Can anyone Assist on what I should do please or next step? Please I am Senior at XXXX & love my home of 19 years and no place to go!

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 2023-07-24
Company: EQUIFAX, INC.
State: IN
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:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent ( NUMBER OF LETTERS ) previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a credit inquiry from chase bank through XXXX. The date was XXXX. I never applied for this. I've been trying to contact Chase for 2 days now for a total of XXXX hours on the phone. This inquiry needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2023 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 im 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 35 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 data branch and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a {$1100.00} payment on XX/XX/XXXX and made a second payment of {$1200.00} the next morning. As soon as I realized my mistake, I requested a payment refund check. Capital One confirmed the funds were available and would be pulled from my account and that they could not cancel my payment. 

I was told it would take 10 days to receive the check. After 10 days had passed, I called them and they informed me that it would now be 20 days! 

On XX/XX/XXXX, approximately 25 days after the Refund Check was cut, I still had not received my refund check and asked them to process a stop-payment on the check and cut a new one. 

I received the refund check on the XXXX and called Capital One to see if there was anything that can be done. They informed me that they could not see a stop-payment on my account and that I was to deposit the check. 

I deposited the check in the XXXX of XXXX and the check bounced on XX/XX/XXXX. I was given no prior warning that I was given the incorrect information regarding the check and only found out when the that was {$1100.00} in my account got pulled out ( due to a bounced check ). Capital One also never processed a new check to be issued or cut to me after the stop payment was processed. 

It is now XXXX and I still do not have my {$1100.00}. They are telling me the only solution is for me to wait an additional 10 days. It should not be the banks clients/customers responsibility to bear the negative repercussions of your employees mistakes and errors. 

Please help me reach a resolution regarding this and for me to get my funds back. I have been having to figure out how I will make mortgage payments, provide food for my family, and make payments for utilities and this is all due to the incompetence of their employees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-06
Company: EQUIFAX, INC.
State: NY
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 have been disputing this XXXX Account for over half a year, I would first like to say I never knew that it was labeled a Redeemed reposession on my XXXX   because on my other credit reports it originally showed as current. I wrote them a letter asking for them to mail me all the information about the accounts and the Forgot Various information that I requested including the buyers guide or my notice to redeem. This Failure Violate U.C.C. 3-616 The Account Type on each Account is erroneous stating that it is an auto loan when it really is a Retail installment Contract and I marked it in the Attached Documentation they sent to me as " Proof of Contract. 

They never stated who the original creditor was the Contract shows multiple names but never mentions XXXX it even shows " XXXX XXXX XXXX XXXX " How many " Loans " did i recieve for this contract because it only shows 1 loan but multiple Sellers or creditors The Terms on the Contract is Erroneous The numbers Aren't even divisible by 6 and thats the basis of auto loan terms in the united states. To go Further Each Bureau Reports the Terms incorrectly. 


The Account historical calendar is All over the place inaccurate unverifiable and needs to be deleted along with the Account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report and discovered these accounts as collections on my credit report. I sent a dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information below you are by law required to delete all entries off my credit report in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
CFPB XXXX XXXX CareCreditXXXX Account Number Ending in XXXX This is in response to case case you closed because the company responded with inaccurate information. They proceeded with making the glasses after I told them not to proceed, there is no reason to continue to manufacture after I cancel or produce the reason other that my signature on the order. This seems to be some kind of Fraud or Swindle act by the Credit company in cahoots with the eyeglass store. I can not send a letter by email to CareCredit so the letter attached I will have USPS deliver.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: NE
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:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2023-06-09
Company: CBC Companies, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
All companies listed below have unauthorized inquiries on my credit report, names and dates are included. 

Factual Data XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Experian Information Solutions Inc.
State: CA
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:
Account was discharged through Chapter XXXX XX/XX/XXXX but still reporting XX/XX/XXXX, XX/XX/XXXX which is reaging account over a year and should be paid current status and not derogatory. I have repeatedly tried to fix this error with all 3 bureaus and the XXXX XXXX XXXX with no success.

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