BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19 I opened an online account with simple.com. I deposited $ XXXX with two $ XXXX deposits. On XX/XX/19 the first of those deposits was processed. Shortly thereafter I received an email saying my account had been frozen and required verification. Despite being told it takes one day to complete the verification, it has now been over three days and I still do not have access to my money. 

If you've followed along, you will have realized they had over a week to verify the account and only decided to do so after they received the money I sent to fund the account. Once they received those funds I was almost immediately contacted and told my account was frozen for verification. The account had been open for NINE DAYS at that point. 

They refused to accept the information I sent for verification, including very personal information such as my driver 's license and social security card. Despite receiving sufficient information to verify my identity, they demanded still more information including mortgage info and more which is not even applicable to my situation. 

After being told everything should be resolved in one day, I spent much of the second day dealing with their incompetent and condescending employees. I was informed that they would not give me access to my money, or allow me to close the account in question. We're talking about XXXX XXXX DOLLARS HERE. After business hours I received an email from a XXXX XXXX saying they would not accept my calls to address the situation. The next morning I realized my phone number was blocked so that when I called I would be disconnected immediately. As of this time, I can't reach them by phone and they ignore my emails. Of course, they are still holding my XXXX XXXX DOLLARS and denying access to my funds while providing no banking services whatsoever. 

I WOULD CALL THIS A THEFT OF MY XXXX XXXX DOLLARS. I WANT MY MONEY!!!!! WHAT KIND OF COMPANY IS THIS?????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: CA
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 2023-06-13
Company: EQUIFAX, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04
Company: WELLS FARGO & COMPANY
State: PA
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:
WELLS FARGO STOPS MY AUTOPAY WITHOUT NOTICE TO ME. THEN SINCE THE AUTOPAY AMOUNT OF {$350.00} REMAINED ON THE EXPIRING ACCOUNT, WELLS FARGO CHARGES ME 28.99 % INTEREST IN THE AMOUNT OF {$2700.00}. 

I took out a no interest if paid in full loan on a Wells Fargo Home Projects Credit card on XXXX XX/XX/XXXX. 
NO INT IF PD IN FULL W/PMT XX/XX/XXXX XX/XX/XXXX 28.99 % {$8500.00} The remaining balance on the Card as of XX/XX/XXXX was " Previous Balance {$3700.00} '' I had the card on Autopay and a payment was scheduled for {$350.00} that was going to clear on XX/XX/XXXX. So I paid the remaining balance, $ XXXX {$350.00} on XX/XX/XXXX. 
Payments - {$3300.00}. 
Wells Fargo, without notice to me, stopped my Autopay. They told me this happened because I made another payment on XX/XX/XXXX. 
Due to this unexpected change in my Autopay schedule, there was XXXX $ on my account when my loan expired on XX/XX/XXXX. Wells Fargo then charged me the full 28.99 % interest on the entire initial balance in the amount of Interest Charged + {$2700.00} New Balance {$3100.00} Credit Limit {$9800.00} Available Credit {$6600.00} Statement Closing Date XX/XX/XXXX I have called the Wells Fargo Customer service on XX/XX/XXXX. I explained the situation. They processed my autopay for {$350.00} and they told me that the account now has XXXX balance. 
It is XX/XX/XXXX today. The XXXX interest fee is on my account to this day. 

I believe this is an example of a predatory practice that must not be allowed by law. 
I had full faith that my account will have XXXX balance on XX/XX/XXXX as it should have been if the company had not stopped my autopay without notice.

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 2019-06-20
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was in two hospitals back @ XX/XX/2013 with a major XXXX injury. @ that time I was insured with XXXX. 
The ACCOUNT # on this letter is XXXX XXXX Both stating the I owe {$5000.00} each {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: MO
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I called both XXXX XXXX XXXX with a XXXX balance and they said they reported the credit correctly and Experian should have updated it. 

On XX/XX/XXXX I called Experian and spoke to XXXX XXXX and he said it was still showing XXXX. He would reach out to them. 

I am working on a loan and can't get anyone to provide correct information. 
I am going to get an attorney now involved with both of these companies and will close this credit card, making it the final one closed.

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 2023-08-14
Company: EQUIFAX, INC.
State: VA
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 accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX BANK Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX XXXX USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that in information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Went to deposit cash at the atm at Chase bank on XXXX XXXX in XXXX, MI. After the deposit was made, I received a message that the atm was having technical difficulties and my deposit didn't go through, and I didn't receive my cash back. A car pulled up behind me and I drove around and the person in the car was messing with the atm and in a car without plates and a white mask on their face. The atm was hacked and my funds was not deposited in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX XXXX a.k.a. XXXX XXXX XXXX advertising of my vehicle warranty being canceled/expired. Mail was made to look like a subsidiary or partner of XXXX. After I paid for " extended warranty '' I discovered it was a scam. I called to cancel, and the company tried to deny my right to cancel the policy. The representative " XXXX '' kept questioning me and trying to stall when I asked to cancel. When I told him to stop questioning me, be became aggressive and argumentative. I asked to speak to a manager, and he continued to argue. I said they were fraudulent, and that I would contact my credit card company and flag the transaction as fraudulent, as well as call my attorney. He then put me on hold for a manager, then came back and said one was unavailable, but he submitted the policy for cancellation and refund. He said I would get a call back from a manager to finalize the cancellation. I asked for a confirmation ( a number or email correspondence ) and he rebuttaled that the call was the confirmation. I said I would wait on hold until a manager became available and XXXX said they had no way to put me on hold, even though he had just put me on hold a few moments before. I have not received a call back from a manager yet, and I have no proof or confirmation that the warranty policy has actually been canceled and the refund has been issued.

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 2023-08-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX didnt pay full interest amount of stated APR XXXX 3.5 % for 3 months for XXXX money market account. Also only paid 89 days of interest, lacking 1 day of interest payment. About {$57.00} lacking XXXX XXXX to XX/XX/XXXX. About {$14.00} lacking XXXX more day of interest owed for XX/XX/XXXX for ninetieth day of term. Reported to bank this discrepancy 3 times by phone in XXXX, XXXX and XXXX. No response received. XXXX opened XX/XX/2023. Funds transferred to new CD account XX/XX/XXXX. Balance of {$1.00} kept in XXXX money market account until closed XX/XX/XXXX, XXXX owes about {$71.00} it underpaid in interest.

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 2023-04-28
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A joint check in the amount of {$23000.00} was issued by XXXX XXXX to me and my ex-husband ( in between the two names, there is " & '' ) on XX/XX/2023. The check was deposited without my consent/signature into my ex-husband account at Randolph brooks federal credit union XXXX XXXX XXXX XXXX XXXX XXXX, TX on XX/XX/2023. A copy of the cleared check shows that the check was signed only by my ex-husband and on the second signature line, it is clearly written " For XXXX ''. The check should not have been accepted by RBFCU and also rejected by the check issuer since it is not properly endorsed. I would like the RBFCU reverse cashed check, so I can claim my share on the check amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Remitly, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I transferred {$1100.00} from XXXX to XXXX XXXX on XXXX XX/XX/2023 using Remitly which is a financial institution based in XXXX, Washington, United States. I was notified by the company that my money has been delivered to the recipient in XXXX XXXX the same day, however, after checking with the recipient, it was confirmed that they did not receive the money in their account. I contacted the customer service like 6 times, every time I call them, they just tell me that their partner bank in the recipient country has confirmed that the money has been transferred to the recipient 's bank. I even shared the bank statements of the recipient with the company to show them that the money was never transferred to the recipient account. Company always end the call by saying that someone from their specialized team will contact me but nobody does that. Its been XXXX weeks now, I have no idea where my money is and my family in XXXX XXXX is still waiting for it as it was for some emergency purpose. I would be grateful if Someone can help me with this issue, as It was a hard earned money and its so frustrating that I have sent it XXXX weeks ago and still its not received by the recipient and the Company is least bothered and very unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: CA
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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 explanation
Consumer complaint received 2023-08-14
Company: Harris & Harris, Ltd.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a collection put on my consumer report by Harris & Harris LTD on XXXX XXXX in the amount of {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have made numerous attempts to clear this up directly with the credit reporting agency ( XXXX   specifically ) and they keep saying that an AGENT at Automobile Acceptance XXXX XXXX XXXX XXXX, Georgia XXXX has verified the said account. I have been a victim of identity theft and have supplied all the proper documents. 
AUTOMOBILE ACCEPTANCE ACCOUNT # XXXX {$5800.00} does not belong to me ( I do not owe automobile acceptance the said amount, and I have asked in order to validate the debt, I would like a copy of the original contract containing my wet ink signature, the name of the agent who verified the debt and who has first hand knowledge of the said debt. 

In Regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, and Executrix on behalf of the XXXX XXXX XXXX ESTATE, is in possession of your recent voluntary submission of evidentiary documents also known as a credit report. 

Furthermore, in order for XXXX XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX   conventions. I would also need a copy of your Tax Registration certificate! 

Failure to substantiate the claim, please DELETE all accounts immediately with the next 10 days. Send an update to XXXX to remove the said account immediately! And send myself and XXXX verified copies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On today 's date after consulting with Experian representative I have notice an incorrect amount reported belonging to XXXX. Investigating the representative told me that the company never reported since or incorrectly reported. The credit cars is 90 days delinquent for inaccuracy with debt paid always way before the due dates. Calling the credit card and asking for a manager the rep. Answered that no manager was on site so I got a supervisor. Explain the drama she wanted me to talk to a manager that mysteriously has appeared in the building. Explain again the latter, instead to recognize the mistake said that for security purposes she would not continue the conversation. No threats nor insults have been made on my side. This is the 2nd time this is happening with mistakes influencing credit scores. The situation must be correct once for all. I urge XXXX XXXX customer to check their reports amid zeroing incongruences. This company is managed overseas primarily in the 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