BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 To Whom It May Concern, I was never given notice before being garnished from my check by XXXX  on behalf of XXXX, XXXX, XXXX  XXXX XXXX. for 10-11 % of my weekly net pay. ( Case ID : XXXX ) I am XXXX and this has caused a hardship for me. I can not pay my rent now. 
I was not notified about a judgement or given any opportunity to present my income and explain my hardship and show my bills. 
I need this to stop immediately. 
I need to know what the debt is and who it is from. 
If it is legitimate, I can only afford to pay {$5.00} per week at most. 
I need legal assistance. This is an unfair and predatory debt collection practice. It cant legal. Its definitely unethical. I can not believe that they are allowed to garnish my pay without explaining anything to me or giving me any prior notice. 
Please assist me with getting this resolved and legal and regulatory guidance. 
Update : Today, I just found out that it was from a Capital One. I haven't been able to review the account history to know if it was mine. I had a capital one card in XXXX. I'm told that I was sued by Capital One and I live in Washington now. 
Additionally, the garnishment letter was dated XXXX, postmarked XXXX and mailed from XXXX  to XXXX. I was garnished on XXXX. I just received the letter about one day ago. I was not notified before it happened. 
There were no other correspondences from any of them before this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: AR
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:
In accordance with the Fair Credit Reporting act 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 XXXXXXXX, 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 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 2023-08-07
Company: Self Financial Inc.
State: FL
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:
not getting investigation in 30 days, this is my third attempt address this issues with my credit report. 

I have proof of all 3 prior disputes. 

disputes include 2 closed account still reporting XXXX  XXXX is a authorized user I am on account. 

( FCRA ) 15 USC 1681i ( 5 ) illegal to report late payments and permissible purpose ( FCRA ) 15 U.S Code 1666b despite closed accounts are still reporting all 3 main bureaus are reporting different information reporting dates, late activity dates, closed dats.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: McNeil & Meyers Asset Management Group, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ms. XXXX from Mcneil and Meyers has called my phone and left messages stating I need to contact her by the end of the day and if I did not she would send it to further processing and that " we can do this voluntary or involuntary ''. she has called me at my place of employment where I can not receive phone calls, the day she called my job and I answered the phone I had a patient that I was working with she refused to get off the phone when I told her I was at work and could not talk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO ME THAT I HAVE NO KNOWLEDGE OF NOR BENEIFITED IN ANY WAY FROM THESE ACCOUNTS AND INQUIRIES

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 2018-04-10
Company: Lending Club Corp
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Dear Sir/Madam : Please see attached cover letter describing the events regarding my complaint against the Lending Club. In addition, I also have attached two correpondence, as outlined on my cover letter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, I truly hope your coolant can help me with this as Wells Fargo has made every excuse as to why this happened. On XX/XX/XXXX, I had charged my card 3 times. First starting with {$300.00} to XXXX XXXX, {$24.00} to a restaraunt here in my ho me town, and {$15.00} to a bar as a friend of mine from of tow n was home. Take in mind all prior charges had for through on the XXXX and I had a little over {$350.00} in my account so after the 3 charges, myy acvount refldcted i had a little over 10. The 3 charges had shown as pending on my end, but the funds went out each time I processed them so i was not worried. I made sure all prior charges were already processed before that day as I had moved to a new banking location as I've had numerous problems with Wells Fargo and wanted to keep at least 10 in the account so Wells Fargo wouldn't close it until I had all my auto payments moved. On Monday the XXXX, I get an alert my account is negative. I checked my account and has no new charges, and all my prior charges had already removed the funds. Wells Fargo tried claiming that I had charges from days before the XXXX that didn't go through. I beg tok differ and fought them on this as each of the charges they claimed against me had already been processed, but miraculously got moved to the transaction date XX/XX/XXXX when these had taken place days priorf and the fuhnds were already removed well before hand which left me at XXXX. I reported them to the XXXX  and got thee same generic response I got in an email from them. Please help me as I just want to be done with XXXX XXXX. I've lost do much mo mry from them in the past and wish I would of just gave up sooner.

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 2018-04-10
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
This complaint is against CHASE.I disputed the debt they claim I owe them online and I recently wrote their company, I informed them that my proper name is XXXX XXXX XXXX, not XXXX XXXX XXXX All Capital letters, I reserved my rights with them using UCC 1-308, I never used the card when I received it, I don't remember my wet signature on any of their documents, Chase never loaned me any money or legal tender, I didn't authorize Chase to access my credit report, I don't understand how I'm liable for any debt with Chase. Under the law, only Congress can issue legal tender, and XXXX XXXX relieved me from debt, since it's public.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is related to complaint number XXXX submitted on XX/XX/20. I have not yet received a response to my initial complaint. 

I contacted BMO Harris Bank on XX/XX/20 to find out where my debit card or bank statements were for my checking and savings accounts. I deposited {$3000.00} with BMO Harris Bank on XX/XX/20 and have no access either online or by phone. Please see previous complaint. 

When I contacted BMO Harris bank today ( XX/XX/20 ) I asked for assistance with my accounts and was told I needed to go to a branch. I told the CSR that I am affected by COVID-19 and am in the State of New York for an indefinite period of time and the branches are located in the XXXX Illinois area. The CSR said she could not give me any information on the accounts and abruptly ended the call. 

At this point I dont how to proceed. I am extremely concerned that I have lost my {$3000.00}. I did not receive a phone call, email or USPS mail about my {$3000.00} and have no way to access my money. I do not have a debit card to access my money, I am stuck in the State of New York because of COVID-19 for an indefinite period of time and BMO Harris Bank refuses to talk to me about my accounts. 

I am very concerned I will have to drive or fly to the XXXX area to get my {$3000.00}. Its very possible I could have long term health damage because of BMO Harriss irresponsible behavior. Additionally due to the COVID-19 pandemic, if I traveled to XXXX, I would need to quarantine upon my return to New York for 14 days. BMO Harris is causing enormous hardship and emotional distress because they are withholding my {$3000.00}.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed a few accounts i am not familiar with

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 2017-09-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have discovered today XX/XX/2017 that when my student loans transferred from XXXX XXXX to Navient the loans were under-disclosed. XXXX XXXX did not provide Navient with the correct or complete terms of my loans. I have 9 loans left with Navient and 2 of the loans, 8 and 9, should be paid off. The loan payment on the website is {$180.00} and the coupons are {$120.00}. The Navient representative that I spoke with advised in the call on XX/XX/2017 that terms were " estimated '' when XXXX XXXX failed to provide the accurate terms. My concern is how do I at this point even if the balance, payment, and payoff is accurate. I was told in the same call that all of the information on the website account for Navient is accurate, however how can it be accurate if Navient was provided incomplete/inaccurate information from XXXX XXXX and had to estimate the terms? When I requested evidence of the loans I was advised the contracts can not be sent out and all the information is provided on the website for Navient. I want copies of the original loan agreements. I was advised those can not be provided, leading me to believe the loan agreements do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am wanting to buy a home so I am trying to pay off bills I have in collection, I wasn't aware of a lot them that are in collection due to the year they went in, which it ranges from XXXX and mainly all medical bills from XXXX XXXX I had to have, I looked on XXXX  XXXX to see what all on there but it didn't list them all for some reason ... i have asked all 3 credit burous for my reports due to I cant seem to just look at them on-line ... anyway ... on XX/XX/XXXX i started to call the agencies where i have bills at pay them in full, i called XXXX XXXX  that my report said i had 1 bill at there in amount of XXXX but they informed me i had 3 bills in amount of XXXX, I requested they send me a statement and they said they don't have to send me anything and how would l like to pay that today? I told her i'm not paying anything till I get a statement and she informed me well I guess you will owe this forever then .... 
next one is XXXX XXXX i had 3 bills there according to my report but when I called they said I had 5, the 2 I didn't know about amounted to XXXX which the total of all was XXXX so i paid it all in full and requested they send me a statement that says each bill that is paid, she informed me we don't do that, I can send you a email for proof of payment saying paid in full, I said ok but how do i get a statement of each bill that was paid, she basically said she doesn't know nor do i care ... .this was after i paid it all in full ... my acc # is XXXX and conf # is XXXX that's all she tell me, next one is XXXX XXXX my bill there was XXXX which I paid in full but said she could not send me anything that said i paid ... she said use your account to prove it, I cant prove its paid by that cause there is no name of company where the bill came from nor would it say paid in full ... .I am so mad that all these places don't give a XXXX about you and all they want is money..all of them told me it would be over 6 weeks before my credit report would say its been paid or longer depending on how they feel ... .this is not freaking right ... I'm trying to get my credit to a great place and they don't seem to want to do XXXX for you ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt I have disputed and asked for validation on this debt and nothing was received from this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have no knowledge of this debt and who this company or who there client is. Other then a notification from my credit monitoring service indicating that derogatory information was being reported to all three agencies by this company is the only thing I have. I would like to point out again I have no idea who this compony is and I have received nothing from them. I don't understand why organizations like this think that they can bypass and violate the FDCPA and it's governing laws and informed consumers will just stand by and do nothing. If this information is not removed from all three agencies immediately I will move forward with other options available to me to correct this situation.

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 2020-05-26
Company: JPMORGAN CHASE & CO.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage with Chase Bank because they promised me that they could close in 21 days or they would pay me {$2500.00} in cash. I fulfilled all of the conditions for this closing guarantee, yet the closing occurred a day late because Chase could not meet the 21-day schedule. When I asked for the {$2500.00} in cash, Chase informed me that they had changed the terms of the deal without telling me. Originally, the deal ( as disclosed to me by Chase ) was that I had to submit a loan application and completed purchase agreement 21 days before closing. Chase now says the 21 days are measured from the time they submit the paperwork to underwriting. This was never disclosed to me before closing, and I believe this is unfair to consumers who have no control over Chase 's internal processes. I demanded that Chase abide by the terms of the deal, but they have only been willing to refund me {$500.00}. Chase 's closing guarantee is deceptive and they should be forced to honor the deal they presented to me and upon which I relied to my detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
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:
Identity theft fraudulent account XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX/XXXX XXXX XXXX Creditor also change its name to the XXXX  XXXX XXXX  Under open account on my credit report is XXXX XXXX account number XXXX Date open XX/XX/XXXX Amount XXXX Attached is a police report listing this account t total XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX XXXXXXXX Under closed account on my credit report it's the same company different card it's a first access card I do not have account number for this account both account are listed on my police report I attached Identity theft XXXX XXXX XXXX   XXXX  XXXX /XXXX XXXX  Creditor change name to XXXX XXXX XXXX   Opened XX/XX/XXXX or opened XX/XX/XXXX Amount XXXX I did not apply for any applications or accounts with the company mentioned

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Tried to pull two credit reports today ; XXXX and Equifax. 

For identity verification, Equifax displayed a series of irrelevant questions, then claimed they were unable to verify my identity. Interestingly, they were able to verify my identity for a previous transaction on same day. Subsequent attempts to pull report resulted in same result. This has happened multiple times with Equifax. 

Later today I tried to pull my XXXX report and received the following message - " We're sorry. A condition exists that prevents XXXX from being able to accept your request at this time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was one of many individuals who decided to prepay their property taxes in XX/XX/XXXX. At that time, I notified Freedom Mortgage that my property tax was prepaid for payments due in XXXX. The representative stated that early in the year in XXXX that they would be conducting escrow analysis and refund the money prepaid after the analysis. 

After no action from Freedom Mortgage, I contacted them in XXXX and explained the situation. I again restated the prepayment situation and my conversation with their representative in XX/XX/XXXX and asked that an escrow analysis be completed as the two property payments in XX/XX/XXXX and XX/XX/XXXX would not occur from Freedom Mortgage and to refund me the money. They stated that the escrow analysis would be completed and refunded to me. 

An analysis and check for the XXXX payment was provided in XX/XX/XXXX. However, only half of the amount due was refunded to me. I immediately called them and stated that their analysis was incomplete and they owed me the XXXX payment. They stated that their analysis team did not consider the second payment and requested additional documentation and proof of payment which I provided minutes later. They stated that the new analysis would be expedited the following week. 

After no action, I called Freedom Mortgage back a week later and asked where the analysis was. The representative stated it was still in process. 

I called back yet another week later after no action on XX/XX/XXXX and asked where the analysis was. They stated it would be completed on XX/XX/XXXX. 

After no action, I called back on XX/XX/XXXX and asked where the analysis was. They stated it would not scheduled to occur until the end of the month. I countered stating that they told me this would be expedited and was to be completed by now. I then asked to speak with a supervisor. The supervisor was also unhelpful. He stated that the multiple requests to have the escrow analysis redone were closed and that no action was to be taken. I again explained the situation and requested we speak to the analysis team as they were not reading their notes or correctly assessing customer accounts. He refused saying " he didn't have their number. '' Freedom Mortgage has continued to stonewall my attempts at getting an escrow refund legally due to me and my repeated attempts at trying to get them to remedy the situation have failed. I have no other option than to report them.

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 2017-09-14
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt is over seven years old and has been paid. I tried to contact the company to report that this has been paid.

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