BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: Fidelity National Information Services, Inc. (FNIS)
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/23 I was rejected when trying to open a certificate of deposit with a bank that uses Chex Systems due to a low ( XXXX ) Consumer Score from Chex Systems which I believe has been wrongly or arbitrarily generated. I have excellent credit ( XXXX score ), no negative financial issues ever ( 20+ years as an adult ), XXXX debt and over $ XXXX in savings. I have called multiple times to get the score ( XXXX they sent the wrong report ) and when I finally received the report the score was based on 2 reason codes XXXX Time since XXXX Inquiry XXXX and XXXX Insufficient DDA Inquiry Activity Same Fi with no explanation in report or anywhere on their site as to what these mean so I can dispute. I tried calling on XXXX and again was told they have no info and would send a letter explaining. Can you help me with getting answers from Chex Systems and my score addressed because it doesnt make any sense for them to rate me a high risk for reasons detailed above.

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 2023-05-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an offer in the mail to open a checking and savings account and receive bonuses. The terms were as folllows : " To Earn Bonus : To earn a {$300.00} Checking bonus, open your first new personal checking account between XX/XX/XXXX and XX/XX/XXXX and have at least one single direct deposit of {$500.00} or more post to your new checking 1 Official USPS Change-of-Address Form https : XXXX... 
XXXX of XXXX XX/XX/XXXX, XXXX account within 60 days of account opening. To earn a {$300.00} Savings bonus, open your first new personal savings account on the same date as the above new checking account ( direct deposit not required ) and make at least XXXX single deposit of {$200.00} or multiple deposits totaling {$200.00} into the new savings account every month for XXXX consecutive months as noted in the table below. A total of {$600.00} must be on deposit in the new savings account as of the date noted in the table below. To earn the total {$600.00} bonus, you must qualify for both the Checking and the Savings bonuses noted above. '' The offer code was XXXX, and after registering the code, I made sure with XXXX that it was registered correctly. 

I went into the branch in person, twice, to make sure the account was coded correctly to receive the bonus. Both times, representatives told me that the account was coded for a different promotion : " $ XXXX checking ( with a single direct deposit of {$500.00} or more ) + $ XXXX savings ( with {$15000.00} minimum deposit ) '' A requirement to maintain a {$15000.00} minimum deposit on the savings account is substantially different ( and worse ) than making a single deposit of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I have wired {$37000.00} to XXXX XXXX to Capital One Bank, Members Account number : XXXX from my bank XXXX XXXX XXXX XXXX. Capital One bank did not deposit the money into XXXX  account. On XXXX XX/XX/2020, the XXXX told us the bank is refusing to deposit the check into his account. On XXXX XX/XX/2020 at XXXX, I have called my bank XXXX to see if Capital One bank has returned my wire and they did not. On XXXX XX/XX/2020, XXXX went to his branch in Texas and spoke to the compliance team thru the bank manager and put some documentation to return the wire to the sender ( me ). On XXXX XX/XX/2020 Capital One told XXXX they are ready to return the wire and but they need an official request from my bank ( XXXX ). On XXXX XX/XX/2020 XXXX reached out to Capital one again and Capital one told my bank that they have reached out to the third party. On XXXX XX/XX/2020, XXXX ( XXXX XXXX XXXX ) sent a notarized letter to Capital One Bank and I have sent that letter to XXXX as well. On XXXX XX/XX/2020, I called Capital One bank and talked to a Manager named XXXX and she told me she wants XXXX to call them with me at XXXX. XXXX made many calls to his bank and visited them as well without any luck. Somewhere from XXXX XXXX, The XXXX and I, we talked in length with Capital One security in XXXX VA. The Security Officer told XXXX they will close his account and do not want to do business with him. My bank ( XXXX ) has sent many request to Capital One bank to return the funds but no answer from Capital One. On XXXX XX/XX/2020, I wrote a letter to the President of Capital One bank with a return receipt. They received the letter ( return receipt ) and to date I have not received any answer from them. I have attempt to call Capital One Bank many time with no luck. Same  with XXXX. I also visited local Capital One bank on XXXX XX/XX/2020 and came out with a XXXX XXXX  with a Market Manager XXXX XXXX at XXXX VA. 

The Capital One Bank send a response to my complaint filedCapital One CID : XXXX and CFPB Complaint ID : XXXX. They gave me POCs name and number for my bacnk and me to call Her. To date they have not respondend to ur phone calls. Capital One also made untrue statement of my letter to XXXX XXXX stateing " As previous advised in response to an email you sent to XXXX XXXX ( CID XXXX ) were unable to discuss a Customers account or details regarding an account. However, we can confirm were unable to return the funds to you until we receive a Hold Harmless Letter ( HHL ) from the originating bank that sent the wire. I confirmed that as of XX/XX/2020, this letter has not been received. We advise reaching out to your bank to have this completed. '' Capital One did not give me an email address where to mail or fax the letter. I am very confused as they have caused me so much of the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was going through my Equifax report and I notices an unauthorized hard inquiry and I was very upset. Because I have been dispute this since XXXX and Equifax over a year and the company fail to remove it.

Company response to consumer: In progress
Consumer complaint received 2022-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We have had an XXXX XXXX XXXX credit card issued by Bank of America ( BofA ) for the past 5 years. In XXXX of each year, BofA assesses a {$75.00} annual fee for the use of this credit card. One of the benefits provided in return for this fee is, " Purchase Benefits, '' which includes purchase security and warranty manager service. Warranty manager service includes, " Extended warranty protection. '' Extended warranty protection is described in the Cardholder Benefits Guide and states, " Extended Warranty Protection doubles the time period of the original manufacturer 's written U.S. repair warranty up to one ( 1 ) additional year on eligible warranties of three ( 3 ) years or less for items purchased entirely with your eligible card. '' On XX/XX/XXXX we used our BofA credit card to purchase a gas oven from XXXX 's. The purchase price was {$1500.00}. The oven had a written, one-year manufacturer 's warranty. On XX/XX/XXXX the oven 's electrical system ceased to function. A repair company assessed the damage and repaired a faulty electrical wiring harness at a cost of {$500.00}. We submitted our original sales receipt to the third party warranty service provided by BofA, XXXX in XXXX, TN. We also submitted a XXXX 's account statement describing the purchase of the oven as well as the XX/XX/XXXX credit card statement showing the purchase at XXXX 's in the amount of {$1500.00}. XXXX has refused to reimburse for the repair, stating the sales receipt was illegible. The sales receipt was completely legible and I sent photographs of the receipt as well as computer-scanned images of the receipt. XXXX 's claim of illegibility is completely false and unethical. This company should be thoroughly investigated for 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 monetary relief
Consumer complaint received 2020-12-18
Company: KEYCORP
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We have been receiving harassing phone calls from Keybank regarding an alleged debt. Although Keybank as been notified to stop calling, the calls continue daily. Also in attempt to resolve this alleged debt a notarized affidavit to dispute and requesting verification of debt was sent certified mail to Keybank back in XXXX 2020. No response was received regarding verification of debt. The calls had slowed after letter in XXXX 2020, however have recently started to be a couple to few times daily. My mother is elderly and has health conditions and has been disturbed tremendously with the stress from these phone calls and letters ( that note " debt collector '' ) from Keybank as she has hard time even getting the phone to answer. 

It was clearly communicated on each call from Keybank, to no longer call numbers noted on alleged debt account or to send threatening letters that they are debt collectors. A call received from Keybank today caused major stress as the representative responded to her after noting once again it wasn't her debt, please don't call ... representative responded " pay your bills and we won't be calling. '' Also stressed has been caused as Keybank has reported information to the credit bureaus that have adversely affected both of our credit scores. We are both aware of our natural protected consumer rights these are clear violations and we are requesting for this matter to be resolved as soon as possible as it is affecting our lives daily. 

Some of the noted dates and times of recent calls : XXXX/XXXX/20 XX/XX/XXXX20 XXXX XXXX XX/XX/XXXX20 XXXX *yes am ( have voice mail proof ) XX/XX/XXXX20 XXXX XXXX/XXXX20 XXXX XX/XX/XXXX20 - XXXX XX/XX/XXXX20 XXXX XXXX/XXXX/20 - XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Trident Asset Management, L.L.C.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm was unaware of this account ( Trident Asset Manageme #  XXXX ) and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are multiple charge offs reporting and that is illegal to do because charge offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The documents I attached is a screenshot of the IRS indicating about cancelled debt and how its income and the 3 consumer reporting agencies reporting the charge off also stated the law USC 1681. I never authorized the bureaus to report this and this is defamation.

I can ligate the bureaus for defamation because they're reporting information that they are not supposed to which will damage me financially and emotionally.

Company response to consumer: In progress
Consumer complaint received 2021-05-15
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My checking account was closed in XX/XX/2019in the amount of XXXX due to them allowing a company to take out funds from a debit account that was not a credit card account causing me overdraft fees and then closing my account and I really do not have the funds to reopen it because i am on a fixed income. 

I spoke with an secretary to the President of the bank and she stated that they should re-open the account since the balance was near to XXXX dollars. So I have contacted them by phone, in-person and written communications to no avail.

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 2023-06-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-20
Company: Experian Information Solutions Inc.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$350.00} 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: In progress
Consumer complaint received 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional  distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
Per FCRA laws, due to multiple reporting innacuraccies, I am requesting that this account be removed from my credit report. On XX/XX/XXXX, I received a response from GM Financial referencing a request by me to present a contract that has my signature of authorization. The contract was forwarded to me through the CFPB portal. When comparing the document that GM Financial has presented to the credit entry on my credit file, I have noticed multiple innacuraccies and incorrect reporting. Theys also stated in the letter that they are providing accurate information per FCRA which is contrary to the evidence. 1. The contract states that this account was established as an Installment contract which is false. This was a retail credit contract through a dealership. 2. This is not my signature, and there is no ID attached to this document to compare my signatures to. 3. The address on the contract was not mine and I've never lived there ; had GM Financial conducted any kind of real investigation they would've recognized this. 4. You reported to XXXX 16 late payments on this credit entry,, while you report to XXXX  17 late payments. ( XXXX reports no late on XX/XX/XXXX, yet XXXX  reports as 30 days late in that same month of XX/XX/XXXX ). 5.You report a payment to XXXX  for XX/XX/XXXX but report no payment for XX/XX/XXXX to XXXX This is inaccurate, incorrect and an a serious FCRA reporting violation. Also, GM financial has reported the terms or number of payments on this account to XXXX and XXXX  as " 81 '' months, yet their contract states that the terms or number of payments is " 72 ''. I have factual based evidence that is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Investigation took more than 30 days

Complaint:
I pulled my credit scores back in late XX/XX/2023, with my free yearly credit pull, found a few imperfections and sent letter to XXXX, XXXX and Transunion on XX/XX/XXXX, asking for an investigations on a few accounts that did not match. I gave them 30 days to respond and show proof of their findings, and they failed to respond and honor my requests.

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 2022-04-04
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 I spoke with a representative from Receivables Performance Management rep offered me a settlement that I accepted. I made the initial payment on that call and she set up the additional payments to automatically draft my account in XXXX and XXXX. The final payment was drafted on XX/XX/XXXX and the company is telling me that the account has been closed and settled in full. The problem is the company sent this account to collections on XX/XX/2022, the same day they drafted the final payment. I contacted the company because according to the letter they sent me agreeing to the settlement states that no collections action would take place as long as the complete payment is made by XX/XX/XXXX, which it was. I have spoke with multiple representatives with the company who transfer me back and forth or disconnect the line. Yea spoke well th a lady named XXXX who said she was a supervisor, but indicates that they can report the account to collections even thought they enters into the agreement and the agreement was being upheld on my end and even though they received full payment prior to date on the settlement letter. I did not agree and she ultimately disconnected the call because I requested to speak with someone over her. I called again to speak with another supervisor who kept me on hold and then blind transferred me to another supervisor who disconnected the call as soon as she gave her greeting. This item should not have been reported as a collection and I am needing this company to honor Their agreement with me and removed the collection from my credit reports.

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