BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: BARCLAYS BANK DELAWARE
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:
This happened with Barclays credit card two days ago and they haven't resolved the problem. I checked my checking account as I do every morning to avoid surprises. Unfortunately, I noticed a double charge of {$350.00} from Barclays on that account in regard to this credit card payment. I automatically called their customer service, spoke to the manager who insured me that many customers, especially customers from U.S have been calling in that regard, and they are working to fix the problem. Because I already paid my credit card bill and budget my account accordingly, this checking account went on overdraft mode, and I was forced to quickly replenish my account to avoid fees. The manager promised to do everything at her end to fix the problem before the end of the day. Unfortunately, I woke this morning and noticed that my checking account was credited and debited right away. I called again spent time explaining again, and they apologized and promised to fix it. I believe that they have a breach in their security system, which is really alarming. As of the time I am writing this they haven't fixed the problem.

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 2022-10-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
unlawfully garnished the accounts Financial institution for processing illegal, out-of-state garnishment orders against its my bank account. Financial institution unlawfully froze my account, garnished funds, and sent payments to fake creditors based on out-of-state garnishment fake court order. Its a fake order because it was not a judge or real court meaning being recognized by the state constitution. There is not proof that a real court order exist, a real judgement and writ of execution to collect a debt does not exist. All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. Also the program that claimed to be creditors are not listed as debt collectors and not registered with the Secretary of State of Florida to do business or to be able to collect a debt. They did not credit me anything, they have not validated any debt or given any consideration to I. Equity will not allow a statue to be used as a cloak for fraud. 

Unlawful garnishment that has injured me and caused involuntary servitude. Financial institutions cooperation with corsairs ( con-artists ) at the expense of me. Also if debt can only be paid with gold and silver according to the article 1 section 10 of the u.s. constitution why did that take currency from my account. 

garnishments that are usually designed to make sure people have money left to live on following garnishment. Financial institution left my account balance was left to XXXX balance. 

I do not ingress in florida where the fake order was established.

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 2023-03-09
Company: EQUIFAX, INC.
State: LA
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 unverified accounts indicated below were reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: WSFS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
WSFS Loan # XXXX, dated XX/XX/XXXX, recorded in XXXX XXXX, FL as Instrument # XXXX was paid off on XX/XX/XXXX ( see attached Closing Disclosure ). 

WSFS has not released the mortgage from the public records, which is causing a delay in a current closing. WSFS tells me I must submit a written letter requesting WSFS produce a satisfaction of mortgage. 

WSFS was obligated to place the satisfaction of record within 30 days of receipt of their payoff funds. 

I demand WSFS place the satisfaction of mortgage of record immediately. 

WSFS has done this before, on a previous mortgage, resulting in a previous CFPB complaint ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2019. My niece got a call saying that the Sheriffs would be out in an hour or so to arrest me. So I called the phone # back & I talked to a guy named XXXX from XXXX XXXX XXXX XXXX in which he never enclosed who the debt was from or even what company he worked for. He just said I owe {$3900.00} & wanted pymt. He threatened me with the Sheriffs coming out & getting a judgement against me, plus going to my place of employment to get a 25 % garnishment if I didnt pay the debt that day. I told him I didnt have it & that. But he kept on threatening me & intimating me. So I ended up paying {$390.00} so I could sent up a {$100.00} monthly pymt plan. This debt is at least XXXX old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: IA
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 tried resolving this matter several Times with Equifax no resolution. I also listed All Fraudulent inquiries as well. Please allow Equifax Consumer Affairs Dept resolve this issue. 
Thank you again XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying my student loan on time for several years.I had requested to pay more each month approximately $ 100- $ 200.00- but Navient wont approve it. I am on a payment plan of lower payments due to my income ( approx. {$64.00} ). I made a lump sum payment ( approx : {$500.00} ) on XX/XX/2019 because I had saved some money. I want to keep paying every month according to what I can afford. 
Navient approved me to continue the low repayment plan in XX/XX/2019- however all of a sudden in XX/XX/XXXX and XX/XX/2019 Navient increased my payment to {$960.00} approximately half of my total wages. 
I called Navient on XX/XX/2019 and instead of continuing my repayment plan as was established they insisted on a Forbearance- now they are again saying I must pay an amount that will be impossible. ( half of my wages ) It is very difficult to manage the process with Navient-I am not a loan expert. I want to pay my loans as I can afford and I have been diligently. My account shows I have been on time and paying for several years without lateness. Please help me to fix this problem. 
XXXX XXXX XXXX -Navient Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I applied for a vehicle loan in XX/XX/XXXX at that time my XXXX year old was having XXXX   XXXX XXXX in which i was unable to work due his stay in the XXXX XXXX hospital in XXXX. The vehicle was repossessed and it really put my family in a terrible situation concerning me getting back and to work and my son back and forth to his Doctors appointments..As of XX/XX/XXXX they have been garnishing my wages every week which has also put my family in a financial hardship.i tried to explain to them the situation about my son and also that i have been diagnosed with XXXX  XXXX XXXX XXXX ... .and that would like to get this issue resolved.i was told that there's nothing they can do to help me with this matter because i was supposed to go to court but was unaware of the court date until aftet the court date had passed ... unfair..the $ amount that they have taken up to date is {$3300.00} and as my credit report states a remaining balance of {$3100.00} ... they take from my check every week they're also taking from my children ... i have XXXX children, rent, utilities, food, clothing and basic necessities that i struggle to pay because of the amount the garnish every week..i turn down overtime because the more i make the more they take ... and it's frustrating and i don't need the added stress ... they sold the vehicle and yet i have to pay for a product i have had in years ... not fair ... who does things of this nature ... The company is Credit Acceptance Corporation..

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 2018-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX and Transunion all have supposedly investigated my claim that : 1 ) XXXX collections of XXXX XXXX, Tex. has placed multiple charges as individual accounts, thus overly diminishing my credit & scores. My investigation is, they are all charges to one account. Furthermore, I never had any prior knowledge of them before I found them on my credit. I have no obligation to pay same. I have never been sent a bill for them, therefor, they, by law can not be placed for collections on my credit record. 
2 ) None of the three, XXXX, XXXX or Transunion have the same amount of collection accounts posted to my credit report. Each has deleted or removed one or more of them. Thus, none of them are getting truthful posting info from XXXX, so, how can they take XXXX 's certification that they are posting true and accurate charges against me? 
I have questioned this Certification each time they come back from investigating my disputes with their replies that " they have checked with XXXX and they have certified to them they are correct '' so no changes would be made. 
If XXXX was being truthful, they would have never eliminated any, or, they would have left the totals the same and combined them into one account number.

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 2018-06-19
Company: Williams, Alexander & Associates, Inc
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Williams and Associates has contacted my siblings, my XXXX yr old grandmother and said they have a warrant for my arrest to 2 of them and said to one of my siblings and myself they are sending a summons for court for an unpaid debt. They say this debt is from XX/XX/XXXX -XX/XX/XXXX I've owned 2 homes and built a home 3 years ago and have nothing on my credit report nor have I had an account with said debtor. They have threatened and harassed my family members. It's out of hand!

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 2019-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Capitol One Quicksilver card online on XX/XX/XXXX. I was immediately approved online with a credit limit of {$7000.00}. My card arrived about one week later at my home address. When I tried to activate this card, I was sent to the Fraud Department. I was told that I would have to submit a copy of my drivers license front and back, a copy of my social security card, front and back, and a current bill at my present address. I scanned these and sent them to the online secure number. I was then told scanned copies were not acceptable, so I took pictures of these documents requested and sent them to the secured email address. I called to make sure they were received and was told they were and were acceptable. I have called in numerous times to check on why I can not activate my new card and each time I have to give the last four numbers of my social security card and the last four digits of my credit card. They recognize me by the last four digits, but then the Fraud dept. does not accept these same last four digits as  being legitimate. My inquiry always goes to the Fraud dept. and I am being told that my social security card is not acceptable. It is the same one I received in XX/XX/XXXX and have never been questioned about it being authentic. Capitol One tells me I have to apply for a new social security card before they will accept it and activate my account. I resent being sent to the Fraud Department. The Social Security office told me that my card should be acceptable for my lifetime. I also resent being told that all my documents are in order and then other times they are not. I received a letter telling me to call so that we could resolve this matter quickly. That has not happened and I hope you can help me resolve this. I can not understand how I was approved and sent a new card, only to be denied activation of the card because they will not accept my social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC received a 609 Letter on XX/XX/XXXX with USPS certified tracking number XXXX. Provided no response as requested. 

ERC received a Follow up Letter on XX/XX/XXXX with USPS certified tracking number XXXX. 

ERC Provided no Response as requested. Failed to delete account XXXX as no documentation was provided. 

As ERC is in violation of the Law, ERC is subject to a fine of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: UT
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 a victim of Identity Theft. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. Please block, remove or delete this information pursuant to section FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: Experian Information Solutions 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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-09-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am requesting a one time 30 day courtesy foreclosure postponement. 

I've never been reviewed or considered for payment assistance options in the past. I've faxed in a complete payment assistance application packet to Wells Fargo directly and the foreclosure office XXXX XXXX XXXX. 

I was unable to submit this application through the Wells Fargo online banking portal, " loan tracker '' as this feature was not available online as stated it was through the Wells Fargo online website. 

I am requesting a foreclosure postponement to be granted by either Wells Fargo or the foreclosure office XXXX XXXX XXXX, for the reason that I would like to retain my property and I was not aware a possible " unemployment forbearance plan '' can be offered or considered, due to my unemployed hardship. 

I would like to retain the property through a payment assistance option as I am currently seeking employment in an effort to apply for a loan modification once employment is gained. In the event I am unable to to reinstate the account upon gained employment, I would like to attempt a loan modification to help with the past due balance. 

I have faxed my completed application to Wells Fargo and the foreclosure office 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 2019-05-23
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was issued an unsecured credit card by CITIBANK SOUTH DAKOTA NA in XX/XX/XXXX, a credit limit of about {$5000.00} dollars.I made payments on the balances due until XX/XX/XXXX when I had a Baby, lost my job and could not continue payments.On XX/XX/XXXX, a Judgment was filled  against me without any notification or consent and they placed a LIEN on the Property my Husband owned prior to our marriage.Because Washington is a community property State, this LIEN has adversely affected my Husband 's Mortgage payments, our Credit and ability to refinance the Mortgage. 
I had no knowledge about this LIEN until XX/XX/XXXX when my Husband tried to refinance his house.I reached out to the Attorneys representing CITIBANK who filled the Judgment to have them REMOVE the LIEN on the property but they refused and insisted that it will not be removed until I pay the principal amount of {$6000.00}, filling fees, Attorney fees and interest fees, a total of {$17000.00} dollars. 
I explained my current financial situation to them but to no avail : My XXXX year old daughter passed away on XX/XX/XXXX at the XXXX XXXX 's Hospital after XXXX on XX/XX/XXXX in XXXX Washington in a swimming pool, my Mother passed away on XX/XX/XXXX and I am currently unemployed. 
CITIBANK SOUTH DAKOTA NA and their Attornys want me to pay {$7000.00} as settlement before removing the LIEN on the house but gave me only 5 days to pay it or pay the full amount, they also refused any payment plan that I proposed.

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 2018-06-19
Company: SUNTRUST BANKS, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Unfortunately the account went to charge off status. When we agreed on a repayment that fit into my budget that is when this company started to report on my credit as if the account is still open but with a charge off status. The delinquent amount picked up where we fell behind and grows every month by the difference of my current payment and the payment when the account was open. I contacted the company asking about it and was told it wasn't them that it was my credit monitoring company doing that. I have my credit summary showing that every month they 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 2019-09-02
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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-09-02
Company: FACTUAL DATA CORP.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hi, I received a hard inquiry that was made by Factual Data on XX/XX/XXXX and I did not inquire on this. Can you please help. This inquiry could stay on my report until XX/XX/XXXX and I would like to know why it was used and if it could be cleared. 

Institution Information : Factual Data Address : XXXX XXXX  XXXX XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation