BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am submittng this complaint Reference no : XXXX i have asked capital one that the book balance shows for {$28000.00} short per excel work sheet I have produced and still capital one did not pay me back my money. 
this company and a shop at XXXX as not was not in book balance in which case capital one bank tried to scum over euro XXXX, so after I reported to this office out of {$28000.00}, the XXXX mall, XXXX and XXXX has refunded me in cash via my families hard work. 
I kindly request consumer finance protection office to 1 ) re request to produce hard copies for the last two years ( in which case the bank asked me to pay over {$250.00} for the statement nor willing to do a password reset by giving poor excuse to stop me from my private consumer right ) 2 ) do audit by consumer finance protection accounting expert or independent law firm accountant for this wrong doings in which case it is a federal crime to scum hard working citizens. ( I believe if ever a fair expert research many low income drivers accountant you will surprisingly find huge discrepancies which should be refunded by good standard ) so please forward this issue to be researched by your legal department or civil suit law firm to take legal action or forward those file to government legal aid for corrective measure. 
3 ) capital one bank charged my a credit card payment two times after full settlement. please forward this to XXXX  and XXXX  credit office for further legal action 4 ) capital one is still not willing to do online password reset 5 ) capital one is not willing to send me hard copies of my statement to to hinder me or lawyers from proper audit. 
so please ask this bank to refund me all my balance of {$23000.00} as soon as possible and also please take a legal action. 
thanks XXXX : please share those information with civil suit and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, va XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I don't have all the information but wells Fargo is always doing this and taking money I constantly had to call them to figure it out

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unfairly charged bank fees.

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 2021-01-13
Company: EQUIFAX, 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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Receivable Management Services LLC ( RMS ) is attempting to collect the amount of {$200.00} from me on behalf of XXXX, XXXX XXXX   XXXX, for washing machine repair services rendered by XXXX. I do not dispute that XXXX rendered these services. However, they failed to correctly diagnose and repair the problem. 

In XX/XX/XXXX, I realized that my XXXX-brand washing machine was no longer draining properly, leaving my clothes soaking wet at the end of every wash cycle. A XXXX repairman came to my house on XXXX, took a look at the machine, ran some repairs, and stated that the problem was fixed. However, it soon became apparent that the machine was not working significantly better than it had been before the repairs. After doing some research and running some diagnostics, I concluded that the machine had a problem that the repairman had failed to notice, let alone resolve. Repairing this problem would have required some expensive spare parts, and since it was a very old machine, I decided to get rid of it and purchase a new one. 

Over the course of the following months, XXXX sent me a number of bills for the amount of {$200.00}. After each bill, I contacted XXXX, and explained that they had failed to resolve my problem, and therefore I should not be obliged to pay. I contacted them by phone ( XXXX ) on XXXX after the first bill, by email ( XXXX ) on XXXX after the second bill, and by physical mail several months later ( I do not recall the exact date ) after the third bill. After this, they send me a letter acknowledging my appeal, and requested that I send a statement to XXXX, which I did on XXXX. In each one of these communications, I gave a detailed explanation of why I was not satisfied with their services, and why I should not be obliged to pay. After sending this final email, I did not hear anything more about the matter until XX/XX/XXXX, when I received a letter from RMS, stating that XXXX had placed them in charge of collecting this debt. I immediately sent RMS both an email and a physical letter explaining why I considered the debt invalid. Earlier today ( XX/XX/XXXX ), I received a second letter from RMS, stating that they did not consider my appeal valid, and that I was still expected to pay {$200.00}. 

I am attaching the emails that I have sent to XXXX and to RMS, in order to demonstrate that I have made every effort to resolve this issue. Neither XXXX nor RMS has responded to these messages in any meaningful way -- they have simply repeated their requests that I pay for the service, without acknowledging the reason why I do not feel obliged to do so.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2022 I sent a letter to XXXX and Transunion asking them to investigate the source of information found in my public record section of my credit report. I received the results stating it was reported by XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. I sent a letter to both the XXXX district courthouse and XXXX XXXX. Both the courthouse and XXXX XXXX has no record of supporting the results sent from XXXX or TransUnion. According to the XXXX  all information on my credit report must match and be accurate. XXXX has not public record reporting and this is a violation from XXXX AND TRANSUNION reporting false and inaccurate information on my credit report. They have not validated the information on my credit report accurately and I am asking for immediate removal of FRAUD, inaccurate public information on my credit report. I was XXXX  the time this Fraud information was attached to my name. I have sent proof to both XXXX and TransUnion showing I am a victim of IDENTITY THEFT, and I did not authorize anyone to use my name to obtain goods or services in my name while incarcerated. XXXX  XXXX # XXXX showing on XXXX is not accurate and needs to be REMOVED asap for accuracy. XXXX  XXXX # XXXX on Transunion is inaccurate and needs to be REMOVED asap for accuracy. All information must be accurate on all my reports and it's not. Please Uphold the FCRA credit laws as they should be held accountable. This is not an error or mistake me asking for the information to be immediately removed. Please see attached documents for proof.

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 2021-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RC is claiming that I owe them {$630.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: IA
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:
My credit score plunged today XXXX pounts to XXXX on my Equifax account ONLY. There is no information on the Equifax report that indicates the reason for this plunge. They have previously attempted to find out what is causing such a low score but there is no information on my credit report to indicate any source of trouble. Most of my other FICO scores are in the high XXXX or above XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, 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: 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 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-10-23
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Complaint with Suntrust Bank now called Truist. 
Since XXXX of this year, I have had technical issues with downloading transactions from my business checking account into accounting software ( XXXX ). After spending hours with Suntrust technical support both through chat and phone they keep blaming XXXX for not updating their software. My latest contact with XXXX support finding shows Suntrust download file has a formatting error and is not compatible with XXXX. How do I know this?. Quickbooks support shared my computer screen and walked me through the step of editing the raw file. After the steps have completed the file was successfully downloaded into the XXXX software. 
I would like to request you to intervene and have Suntrust ( Truist ) support share my computer screen and see for themself the error. It is very difficult to get both parties online at the same time unless each has a phone number where an individual can answer immediately.

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 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, 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 any purpose. 

Capital One listed my account as late on my consumer credit profile on the following dates : 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 2023-02-08
Company: Experian Information Solutions Inc.
State: IL
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 sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX has removed the inaccurate XXXX Account from my file. Can you please do the same. Thank you!

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 2021-02-13
Company: Recovery One, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date- 2020 Amount- {$1600.00} Action-Reported to XXXX I have contacted this company and ask for proof of verification more than once and still no response. XXXX removed it for 4 months but replaced it on my credit file in XX/XX/2020. It is not mine and is ruining my financial credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I currently hold a mortgage loan through Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX I was had automatic payments setup for twice a month. For the month of XXXX partial payment was taken out of my account and added to my mortgage account on XX/XX/14 {$540.00}. I cancelled the next auto draft because I was changing banks. Instead of Wells Fargo applying the partial payment to my mortgage, refunded it to my account or allowing me to pay the remainder {$540.00} Wells Fargo instead applied the payment to late fees without my consent, without my authorization. Those funds that were taken out of my account was strictly for principal, interest and escrow not any late/outstanding fees.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with fair credit reporting act XXXX XXXX XXXXXXXX has violated my rights.15u.s.c 1681 section 602 A. States I have the rights to privacy.15u.s.c 1681 604A.section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid my balance and accidentally over paid by XXXX. This meant I had a negative balance on the following bill. When I received the bill for the next month, it showed my starting balance as XXXX, but also said I had {$5.00} past due and I have received multiple harassing emails attempting to collect a balance that isnt owed. I notified the card issuer, but because their reps dont understand how their mistake happened, they dont understand what to do with it. Attached is the bill that shows their error.

Company response to consumer: Closed with non-monetary relief