BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: LA
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:
Equifax is reporting inquires that two other companies have removed due to investigating these inquires did not belong to me. I was told to create an FTC report by several Equifax representatives which I did and they said I did not do the report right so I am completing another report ... .. I have 6 inquires that did not belong to me which are as followed : On XX/XX/XXXX, an inquiry appeared from XXXX XXXX XXXX. On XX/XX/XXXX, an inquiry appeared from XXXX XXXX XXXX. On XX/XX/XXXX, XXXX an inquiry appeared from XXXX XXXX. On XX/XX/XXXX, an inquiry appeared from XXXX XXXX. On XX/XX/XXXX, an inquiry appeared from XXXX XXXX XXXX  XXXX. On XX/XX/XXXX, an inqury from XXXX-XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I mailed a payoff check to Barclays and the check cleared my attorney 's trust account on XX/XX/2022. Barclays never posted payment to my account and is claiming they never received the check. I have sent them a copy of the check multiple times showing where it cleared the bank. The check is for {$4800.00}. I have called numerous times only to be told the same thing over and over with no resolution.

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 2020-01-18
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This Collection agency represented by the three lawyers have violated the consumers protection rights. XXXX XXXX, XXXX XXXX XXXX, XXXX They have GANISHED MY FULL WAGES from MY account. This is a violation. Please address this matter as a true representative of the United State of America. 

The assumption held by many is that, once a debtor is found, the creditor can seize or freeze any of the debtors assets in order to cover the cost of the debt. That is a false assumption. The Fair Debt Collection Practices Act ( FDCPA ) is a national regulation that makes certain assets exempt from the credit collections process and protects the consumers from harassment by creditors and debt collectors. 
Earned income The amount of earned income that is exempt from collection depends on a number of factors, including the minimum wage, the debtors take home pay, whether or not they receive SSI or PA and the amount of your disposable income. The simplest translation of this exemption is that there is never a time that all income can be garnished to pay off past due accounts. In fact, federal law will allow for wage garnishment only up to 25 % of the net income. Like all other garnishments, this requires there to be a judgment against the debtor before taking effect. 

My husband ( XXXX XXXX XXXX ) with increased health problems ( XXXX XXXX XXXX XXXX ) does ride-share so we can pay our mortgage payment timely. 
Myself, due to severe health condition ( XXXX XXXX XXXX ) has not able to work for the past few years. 
XXXX XXXX, when the real estate market crashed both my husband and I had lost our jobs. 
We used our reserves to keep up with the increasing mortgage payments and credit card payments. 
But shortly after, we were bankrupt and could not make our payments on our mortgage or credit cards. 
In XXXX, our income had improved and we were able to get an affordable modification. 
Since then, we are able to make our mortgage payments but not able to pay any other debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: CarMax, 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: Information belongs to someone else

Complaint:
XX/XX/XXXX To : Carmax Auto Finance XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX RE : Requesting More Information To Whom It May Concern ; I'm seeking more information about an account which I opened with your company. 
Please provide us with the following information : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing/leasing of this vehicle. PLEASE BE SURE TO INCLUDE ANY ARBITRATION PROVISIONS.

2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment.

3. The Notice of Sale/ Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

5.Any notices regarding our clients right to redeem personal property contained in the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to nonprofessional buyers.

To respond to this letter, you may contact us by email or USPS mail. PLEASE NOTE THAT EMAIL IS SIMPLER FOR BOTH YOU AND US.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: GA
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 Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-06-28
Company: Neighborhoods United, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I suffered severe storm damage on XX/XX/XXXX. My insurance company paid the claim for a new roof, repair to the soffit and fascia and drywall repair to the ceiling in the master bedroom. The insurance claim loss check # XXXX in the amount of {$13000.00} was sent to my mortgage company AHP Servicing , LLC on XX/XX/XXXX. They placed it in a limited escrow account and provided the list of documents needed to approve the contractor and release half the insurance proceeds to the contractor. Numerous attempts to release said funds to pay my contractor XXXX XXXX XXXX XXXX were met yet the funds were not dispersed. I had to send an error resolution notice on XX/XX/XXXX to force them to send the payment to my contractor so that the repairs could be made. The check was finally overnighted XX/XX/XXXX in the amount of {$6800.00}. The roof was replaced on XXXX XXXX and the drywall was completed XX/XX/XXXX. I had called AHP to determine what was needed to release the balance to the contractor once all the work was completed. I was told an inspection would be ordered and the contractor needed to supply a signed lien release. The inspector from XXXX XXXXXXXX XXXX XXXX ordered by AHP Servicing ( order ID # XXXX ) submitted his inspection of the completed work on XX/XX/XXXX, and the contractor, XXXX XXXX XXXX XXXX emailed the notarized lien release on XX/XX/XXXX. Numerous phone calls, emails and voice messages have been left by both me and my contractor requesting the final payment be sent. As of today, XX/XX/XXXX, AHP still maintains the balance of the insurance proceeds, {$6800.00} in the limited escrow account and have refused to pay the contractor. Given the fact that he has already signed a lien release, he has no further possibility for action. I am at my wits end with this company and their incompetence. I demand the final payment be made to my contractor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My requested to block ins not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transaction is not information related to any transaction by me as the consumer : I have the right to privacy on private transactions. I do not consent to eoscore. As a consumer reporting agency you assume a vital role to make sure that all information on my consumer report in accurate, fair and equitable.

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 2022-06-28
Company: Experian Information Solutions 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:
I have no knowledge of these company 's and when I reached out they had no knowledge or record of my application the companies are. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-28
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
i sent a wire transfer to coinbase to purchase bitcoin on XX/XX/2022 after purchasing the bitcoins on there website my account was restricted i contact there customer services they said the will email me and it's more than 3 weeks and i'm still unable to send out my bitcoin or send my money back to my account. when i emailed then they have no genuine reason to hold my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XXXX XXXX, 2021, a man named XXXX XXXX was able to withdraw a fraudulent {$3300.00} check from my Chase checking account, without my consent or knowledge- and the check didn't even have a signature on it! I know I should've caught and reported the fraudulent transaction much sooner - but this shouldn't have happened in the first place, especially without my signature or endorsement on the check. I'm also afraid it will happen again. Chase isn't investigating, refunding me or doing anything about it - so I guess I'm supposed to just accept that I'm out {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
ON XX/XX/2022, I TRIED TO MAKE MY ONLINE CC PAYMENT TO Victoria 's Secret CREDIT CARD WHICH IS SERVICED BY COMENITY BANK. BUT, I KEPT GETTING AN ERROR MESSAGE OF " We are currently undergoing a planned system update that has taken longer than expected. We are working to restore service as quickly as possible, and your account information will remain secure through this update. We apologize for any inconvenience caused by this disruption. '' SO I TRIED AGAIN ON XX/XX/2022, AND THE SYSTEM IS STILL DOWN. MY PAYMENT WILL BE LATE. I WANT TO MAKE SURE THIS DOES NOT AFFECT MY CREDIT SCORE, NOR SHOULD I BE CHARGED A LATE FEE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: CT
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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Nelnet, Inc.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accurdance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated ry rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; arCI 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX  XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$430.00} ; XXXX  XXXX Balance Owed : {$8600.00} ; XXXX  XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$89.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 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 non-monetary relief
Consumer complaint received 2022-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Deposited {$15000.00} tax free check [ from a Workers Compensation claim settlement with XXXX XXXX ] into the Bank of America on XXXX. ACCT Number XXXX XXXX. The slip and receipt says Hold code C. Total deposit that day was {$15000.00}. Hold code C, XXXX, XXXX available XXXX at XXXX XXXX. Since then my account began at {$14000.00} not the deposited {$15000.00}. 
I also withdrew {$8000.00} at a later date, and have all the money in its original slip and it is only {$7500.00} not {$8000.00} as listed on the receipt. They used a machine to count out the money. Probably programmed it to dispense XXXX instead of a XXXX. This is fraud.

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 2023-11-09
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am filing a complaint today with WellsFargo because weve had up to {$33000.00} in fraud committed on our accounts. WellsFargo has refused and denied our claims even though they hold a zero tolerance zero liability policy against any fraudulent charges. We gave them all the transaction IDs, ATM IDs, and any other information possible where these charges and this fraud was committed. We filled out complaint after complaint any anything else we could provide to assist us in this matter. We followed every step that WellsFargo told us we needed to do, yet WellsFargo still denies our claim. This has caused the last 10 years of work that my family and I have put forth to build our business to completely collapse. This is obvious fraud to anybody, even the newest investigator could see that this is fraud. A man stood at the same ATM machine over and over and over again withdrawing the maximum amount and WellsFargo never once flagged them. WellsFargo flags my family and I every time we go to the same grocery store every month to buy food for our family, and we have to stop what were doing, call them tell them that its not fraud so that we can continue our purchases. Yet somehow a stranger stands at the ATM machine over 40 times and they dont flag him one time. Weve provided the name of the suspect to them, weve pressed charges and have provided a case number, weve given WellsFargo the transaction ID numbers, we gave them the ATM identification numbers, and any other information that we felt would help them come to a conclusion that this was fraud. They are refusing to help us and we dont know what else to do. We just want to be protected by the bank that we trust with our finances so we can be assured that our family can eat.

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 2023-11-09
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Summary : {$3000.00} were withdrawn from my Wells Fargo checking account without my knowledge between XX/XX/2023 and XX/XX/2023. 

Details : On XX/XX/2023, I received 2 email messages from Wells Fargo bank saying that my balance on my checking account has reached XXXX dollars. Upon calling them that day, I found out that there had been XXXX withdrawals from my checking account totalling {$3000.00}. I have not made these withdrawals, nor was I aware that they were made. My Wells Fargo debit card has been in my possession through this time. 

I called the bank. The customer representative to whom I spoke opened a claim for me. Over the course of the following XXXX weeks, I received several email messages from Wells Fargo with the Subject Line 'We 're processing your inquiry, '' but that had no content in the body of the email messages. 

On Friday, XX/XX/XXXX, I visited the Wells Fargo branch on XXXX XXXX in XXXX and spoke with a banker, XXXX XXXX. I told him I have not heard back regarding my missing money He said he would escalate my claim. 

On Sunday, XX/XX/XXXX, I received an email from Wells Fargo saying " Thank you for sharing your concerns with us. We know this needs our attention, and were looking into it for you. Well respond within XXXX business days from the date you contacted us. If we need more time to research and respond to you, well let you know. 

On Thursday, XX/XX/XXXX, I received an email from Wells Fargo saying I had a " New XXXX secure email message from Wells Fargo. '' Upon following their instructions, I read the secure message, which said my claim has been denied. The missing money has not been returned to my checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation