BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXXXXXX XXXX sent remaining funds in accounts totaling the amount of {$140.00} to Wells Fargo as part of a fraud claim in the amount of {$690.00}, check number was provided in prior CFPB complaint ( XXXX ). According to XXXX XXXX with Wells Fargo Executive Office, the check was returned back to XXXX  they do not accept partial payments.. I attempted to explain this to XXXX  rep XXXX, he claims instructions from Wells Fargo state to return remaining funds in account ( s ) to Wells Fargo in which case I explained Wells Fargo does not accept partial payments. He advised to have Wells Fargo change instructions in which case, CFPB complaints were filed against Wells Fargo to either change instructions and or reach out to XXXX at XXXX It appears no one from Wells Fargo reached out, the matter remains unresolved to date, XXXX has not sent remaining funds in amount of {$140.00}.

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 2022-07-07
Company: Experian Information Solutions Inc.
State: IA
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 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 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ( ANY ) purpose

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 2017-09-09
Company: EQUIFAX, INC.
State: NJ
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. Equifax has been negligent in handling this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

A company that can not properly handle sensitive information should not be trusted and consumers should not be responsible for rectifying the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: MI
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:
XXXXXXXX XXXX  instead of completing an investigation is engaging in illegal retaliatory tactics and trying to punish me and I would guess other consumers as well for exercising rights under FCRA, this account information is older than 7 years old, XXXX also illegal allowed me under 21 to open this account and gave me a credit limit they were very well aware that I would not be able to afford paying back. I am XXXX XXXX XXXX and this account is older than 7 years, if I still need to be held accountable for this maybe we should also go back 7 years and investigate why XXXX thought it was appropriate to give an XXXX XXXX XXXX still in XXXX XXXX a credit limit of {$1000.00}. I have filed a complaint at XXXX XXXX XXXX as well as they are now making my credit scores drop with their predatory practices. There is no outstanding balance on this account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Pendrick Capital Partners Holding, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX. sent me a " settlement offer '' for a debt that I had never received a bill for. Since I was attempting to get financed for a mortgage I accepted the settlement rather than disputing ( in hopes to keep the debt off my credit report ) and sent a check for {$210.00} ( the settlement amount ) on XX/XX/XXXX. The check cleared my bank on XX/XX/XXXX.The back of my check had a stamp stating " For deposit only : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pendrick Capital ''. On or about XX/XX/XXXX, I received another " settlement offer '' from XXXX XXXX XXXX XXXX XXXX. This one was for $ {$140.00}. Assuming this must have been a mistake as the account had already been paid in full and I had the cleared check as proof, I took no further action at that time. In XX/XX/XXXX, I saw that the account showed up on my credit report marked as collections and unpaid. I disputed this 2 of the 3 credit  agencies. XXXX removed the account. XXXX validated the debt. At the end of XX/XX/XXXX, I received a " verification letter '' regarding my debt due to XXXX validating it. This letter also requested me to " remit payment immediately ''. On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX. regarding this and spoke to a XXXX XXXX. This man told me I never paid him. I explained to him that I had proof of payment. He asked me who I wrote the check to. I told him I wrote the check to the Company listed on the settlement offer that I received from XXXX XXXX XXXX, which was " XXXX XXXX XXXX ''. He said " well that 's the problem, you did n't pay us so we do n't have a record of payment, you can either pay us or prove you paid Pendrick '' The  check that I sent for payment was mailed directly to XXXX XXXX XXXX using the address and information that was on the settlement offer. The back of my check is stamped by XXXX XXXX XXXX. This man repeatedly told me that I was lying and that they received no such payment and that they were not affiliated with XXXX XXXX The first settlement offer and the second settlement offer equal the total debt due ( XXXX XXXX XXXX ) It is my belief that they were attempting to scam me to get all the money. The settlement offers are both very different formats with the first one referring to XXXX XXXX  as Debt Recovery Solution 's client and a full back page of a privacy statement regarding XXXX XXXX. The second settlement offer has XXXX XXXX listed on the front and refers to the offer as a " sale '' but offers no information regarding XXXX XXXX.
To date, They have not removed or corrected the collection information. They are falsely reporting me as an unpaid account every month to the credit agencies and they are still trying to collect money that was already paid. I have both settlement letters, the front and back of my check proving payment, the supposed debt validation, and the letter I faxed in an attempt to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have an ACH debit that automatically hits my Chase account every month for {$730.00}. I did not have sufficient funds in my account on XXXX XXXX, 2017 to pay this item and Chase paid it anyway even though I do not have overdraft protection and charged a {$34.00} fee. The next day there was another transaction for {$42.00} that was charged to my account and because of the prior withdrawal my account was now overdrawn and I was charged a 2nd {$34.00} overdraft fee. If the first item had not been paid there would have been sufficient funds to pay the 2nd item and I would not have been charged for two overdrafts. When I saw that they paid the first item, I attempted to deposit a check into the account to cover the balance so that I would n't be charged the 2nd overdraft fee, but when they overdrew my account they blocked me from making deposits by phone, ensuring that I could n't prevent the 2nd overdraft. I deposited the funds in another account because they usually clear them quickly and allow transfers between accounts, but they did n't clear the deposit until the next day. When I inquired why they paid the {$730.00} when there were insufficient funds, they said it was at their discretion whether to pay it or not. It appears that Chase is using its " discretion '' to attempt to maximize its fee income at the expense of its customers. I asked if there is any way that I can select an option that they not pay overdrafts and they said no. Their practice of making it difficult to make deposits on overdrawn accounts is an unfair business practice designed to collect more fees. I hope that the CFPB will consider adopting a rule to allow customers to decide whether they want their accounts overdrawn by ACH debits, and/or a rule to prevent banks from preventing deposits when accounts are overdrawn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-18
Company: Ditech Financial LLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ON XX/XX/2017 THEY REPEATEDLY CALLED. AT XXXX XXXX WAS FIRST THEN XXXX, XXXX, XXXX & XXXX XXXX. I 'VE TOLD THEM I WORK THE HOURS OF XXXX-XXXX AND CAN NOT TAKE THE CALLS BUT THEY CONTINUE TO CALL. THEY ALSO CALL MY MOTHER, SISTER AND FRIEND THAT I USED AS REFERENCES ON LOAN 16 YRS AGO. MY MOTHER IS XXXX YRS OLD AND THEY CALL HER BACK TO BACK AND SHE 'S TOLD THEM TO STOP AND THEY STILL CALL. THEY 'VE SHARED MY DEBT INFO WITH ALL THE PEOPLE THAT THEY CALL AS WELL. THIS IS N'T JUST TODAY. ITS EVERYDAY

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I have owed our home for a long time. In XXXX we refinanced our home with XXXX XXXX on a loan which was not explained to us and all we knew was is was an adjustable rate mortgage. Later our loan was sold to Wells Fargo. We were making our payments and everything seemed to be fine until our payment went from what was tight in the first place at {$1600.00} to over {$1900.00}! We called Wells Fargo several times to see why our loan payment went up but they would not return our phone calls. We looked at the impounds and it was not due to an impound shortage, it showed the payment went up because the interest was way up over 8.5 %, which did not make since as the fully index rate could not be that high. Our real estate agent looked over our papers and could not understand HOW a neg am could be at margin plus index and be over 8 % in this market. We tried to get a modification but BECAUSE WE HAD equity Wells would not work with us. I am sure a servicer is suppose to return a home owners phone calls which they did not, not until we were so behind in our payments that they sold our loan and did not inform us of the sale of our loan or who would be servicing it. We are now about to lose our home and the offer to us for a modification was still a rate over 8 %, We feel Wells Fargo should not be allow to continue servicing loans as they take advantage of ill informed consumers. In additional we understand that the neg am we have should have been modified by Wells Fargo but non of the consumers who were suppose to be modified due to a class action law suit never did due to a loop-hole in the settlement.. Wrong and unfair. Please help

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 2021-12-07
Company: Simon's Agency, Inc.
State: PA
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 reached out to SIMONS AGENCY several times. Most of the correspondences were sent certified mail. Initially I asked for validation of debt. Simons Agency responded several weeks later outside of the allotted time allowed by law. I sent an invoice for this violation. Simons Agency sent for the second time copies of an alleged debt on XX/XX/21. A cease and desist was sent to Simons Agency. A notice of fault and opportunity to cure was sent on XX/XX/21. As of todays date Simons agency has not replied to these violations. Simons Agency is in violation of the cease and desist as they are still reporting to my credit reports. I have never contracted with this company and validation of debt was not permissible by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I contracted Equifax, XXXX, and XXXX on XX/XX/2018 and XX/XX/2018 requesting personal information be updated and provide documents in support of my request. 
I.M FILING A COMPLAINT BETWEEN XXXX XXXX XXXX XXXX, AND XXXX   EQUIFAX AND XXXX. I HAVE REACHED OUT TO XXXX, EQUIFAX AND XXXX TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH XXXX DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS. MY DISIRE IS TO HAVE THE OUTDATED AND FALSE INFORMATION DELETED FROM MY REPORT. 

I file a dispute with XXXX and Equifax if reference to XXXX XXXX XXXX about a {$3300.00} on my account. I also sent XXXX XXXX XXXX a register letter disputing this posting and asking for verification of debt. Enclose is the information that they forward to me from another company. They provided no documents showing I have any debt with then, also XXXX XXXX XXXX failed to notify the XXXX or Equifax of the dispute. Equifax is reporting inaccurate information in reference to XXXX XXXX, they are reporting the date of the last activity instead of the date of first delinquency. Im requesting these items be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
on XX/XX/XXXX I sent money to the country of XXXX XXXX for some XXXX I did it through MoneyGram and the money never reached the sender in MoneyGram 's support they don't give you help and everything remains in limbo to this day I don't have a response and not even my money has been refunded I have screenshots that the money was taken by MoneyGram from my bank account to carry out said transaction that was never made effective It is not fair that these companies continue kicking and taking advantage of the consumer who works so hard to earn that money that is sent what MoneyGram did or is doing with customers is malicious withdrawal and deceptive service of funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HP Sears has reported a debt that does n't belong to me to all three credit bureaus, and has failed to validate or delete the debt. I sent a certified letter by mail in XX/XX/XXXX and then again in XX/XX/XXXX and as of today they have not responded. the alleged debt was said to be opened on X/X/2017 for XXXX for services rendered at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Balance transfer requested with capital one credit card for XXXX requested on XX/XX/XXXX posted to my account as balance on XX/XX/XXXX with capital one. During the transaction there was no notification as to a 10 day waiting period for balance to be transferred. No full disclosure. I requested an electronic transfer. They issued a check which has not been received as of XX/XX/XXXX by XXXX credit card. I asked Capital one to remove the balance until the check is cleared and funds have been recieved. They refused. I now have a balance on both credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
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:
XXXX, XXXX, TRANSUNION IS REPORTING WRONG

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 2017-08-18
Company: Experian Information Solutions Inc.
State: LA
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 the victim of ID Theft and have a fraud account that XXXX refuses to remove. They keep saying it was verified as begin correct! of course it would come back as accurate, My info was used fraudgently to open this account! This account does not belong to me as well as the following Inquires XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Acct @ XXXX OPENED XX/XX/XXXX I have and will continue to send in police report as long as this troubling ID Theft continues.

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 2023-04-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reached out to the company on XX/XX/2023. They advise me that they could not provide me any information on the account, as they are not longer the account holder. I requested that they remove the account as it is showing on my credit report twice and showing that I owe double the amount of money which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report is showing an open balance with a credit card that I never opened. I called the bank and they do not have record of that account being mine either

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 2022-02-16
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:
There is an account from XXXX XXXX/ XXXX  account number XXXX which is on my credit report and does not belong to me. I have tried to dispute with the credit bureaus but am not able to dispute online with XXXX due to security reasons. Equifax document upload would not allow me to upload documentation. 
The credit bureaus have made it very difficult to correct errors on my report due to technical difficulties with their websites. 

I need to dispute this account as it does not belong to me. I contacted the collection agency responsible and they sent me a notification this would be corrected and I need to ensure it is corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: ERC
State: MD
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:
XXXX XXXX services is refusing to remove fraudulent information From my consumer report. I have requested matter several times with XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying to get through to Capital One to make a transfer to an external account. I was able to get to a screen asking for my mobile phone number as a part of a two step identity process. I put it in and received an error because my phone is registered to my husband instead of me. When I called, I waited on hold nearly 15 minutes only to be told this process would take over a week for test deposits to go through and then I could access my money. 

No one has money deposited into an account if they are going to be unable to access it in a timely manner. I am frustrated with the lack of concern I have received regarding this.

Company response to consumer: Closed with explanation