BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: BBVA FINANCIAL CORPORATION
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
After the transition to BBVA from Simple, I've had to call support 8 times, sometimes being an hour and 3 minute wait before it just hangs up the call.

My account had an error right on the day after the transition happened, a scheduled planned transition that I've expected adequate support staff and preparation.

It has been a complete struggle with the app after finally getting in contact just to do something simple as just logging into my new account on BBVA and I really wanted to refuse a fee payment to move money out but was required to pay.

If I would of known of this horrendous customer service in which the only way for a transferring user from Simple to BBVA is a phone call to get hung up on or can't hear you, I would of instantly already started to cancel on Simple awhile they were still online. BBVA has also never offered any updates to anyone via email to inform what to do to do this transition and the false information being mismatched from this supposed transition. 

I had to go online myself into XXXX to see what BBVA is doing, why my routing number was changed when both banks said it wouldn't change at all, and to just get messages about them also acknowledging issues with their support. 

The entire time I'm on hold, the call keeps repeating that this surge of wait time is about PPP loans when I outright know that's not the truth at all. 

BBVA should of been prepared for this transition and made their services not have this many issues for over 5 days and still having people complaining about getting hung up on customer service and really should inform all customers via email at all steps of the way to transferring from Simple to their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: MS
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. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Withdrawals came out of account before deposits were applied. I contacted Wells Fargo about this several times and they refused to fix it.

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 2023-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I'm a customer of XXXX on XXXX XXXX  I filed two individual claims one for the amount of XXXX and another for XXXX in which was supposed to be deposited into my account on XX/XX/XXXX too XXXX XXXX XXXX  which during this process of these claims BofA of claim department decided to credit me XXXX then in a 5 minute expanded turned around and did a adjustment debit and proceeded to take those funds back from my account and turned around and accused me of receiving those funds. As the investigation into my claims continue to see time pass bye and into XXXX. I continue to contact BofA and the claim department till XXXX XXXX and hack a reconsideration put back in on these claims and while waiting on this matter to be resolved I also sent in supporting documents to the investigation team of BofA and still no resultion but during this wait the claim department took it upon themselves to add two different claims amount one for {$1000.00} and another for {$500.00} that I did not submit or authorize as well as not being aware that those two claims whete add in doing they decided to credit me those claim amounts to my account but want resolve the two claim that i submittin XX/XX/XXXX to be resolved and the funds credit back to my account this has been s lengthy over two and a half years with them trying to resolvef this claims and to no effort all i get is it still under investigation with no answer to why all this and its time frame

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 2023-05-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
It is completely unacceptable that after continuous disputes sent on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and opportunities I've given to XXXX XXXX XXXX and Experian XXXX continue to report inaccurate and unverifiable information to my credit reports. I feel completely violated of my rights and they aren't following proper procedures by deleting errors from my reports. 

The credit bureaus continue to report the following items below in total error and refuse to remove them as a result of their claimed investigation that they clearly didn't do.. I have sent multiple letters since middle of XX/XX/XXXX, each month and they continue to report false negative items on my report. There are inaccurate addresses and employer information listed on my reports. I provided them with full proof of address and proof of photo ID as they require Multiple inaccurate inquiries that I did not authorize EVER and were not applications I submitted for credit or loans. These errors of inquiries I did not make or authorize with XXXX XXXX XXXX  XX/XX/XXXX - I didn't authorize this and its inaccuarate old info that needs to be removed from my report XXXX XXXX XXXX XX/XX/XXXX - I didn't authorize this and its inaccurate old info that needs to be removed from my report XXXX XX/XX/XXXX - I didn't authorize this and this information is inaccurate The other accounts they continue to report in total error that need to be deleted from my credit reports are XXXX XXXX Acct XXXX, AD XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX SVCS # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX I have not XXXX ANY verification of how these bureaus have verified that this information is accurate on these accounts with the original company that they claim furnished this info to them and clearly see errors in how they are being reported. There is no justification and this ridiculous. As a knowledgeable consumer, I think its terrible how they use all these stalling measures and act like I'm not who I say I am to avoid having to be held accountable to removing these errors ASAP from my reports. This is affecting my life unnecessarily.

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 2021-11-08
Company: TD BANK US HOLDING COMPANY
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on TARGET/TD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Aldous & Associates, PLLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ALDOUS AND ASSOCIATES Reported : XXXX XXXX XXXX {$1300.00} I have reported this to the credit reporting agencies many times, and not nothing prevailed to solitify the issues in a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Fed held my checking and savings deposit for six months causing my accts to go delinquent on purpose ( {$19000.00} ) To date XXXX has not furnished a print out of these funds ( 2019 ) Navy has lied and said they returned the funds when indeed they did not but wont disclose where they went It is illegal to hold funds for over thirty days Navy wants me to settle these accts which I am willing once I know where and why my funds were being held This has been going on since 2019 and Navy is knowingly reporting false info causing damage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: CAVALRY INVESTMENTS, LLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I tried calling this company and they stated that they cant talk to me about this debt because it was sold, but they are still reporting this information on XX/XX/XXXX and XX/XX/XXXX credit report. They sent me a letter replying from my validation of debt. Stating that they have review the dispute and its lacking specific facts that will allow them to start an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: JPMORGAN CHASE & CO.
State: NY
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:
XX/XX/2020 To Whom This May Concern : I've spent last three days starting on XX/XX/XXXX trying to find out why my Vantage Score displayed on the Chase Credit Journey dropped from XXXX to XXXX practically overnight. I've contacted XXXX who is the credit bureau connected to the Chase Credit Journey website and Chase Customer Service then Chase Credit Specialist Unit and also the Chase Credit Journey Customer Service. I've ordered all my credit reports from all the three credit bureaus and there wasn't anything significant on any that would indicate a decline of 139 points. I have disputed a few minor discrepancies such as wrong telephone numbers or addresses and they were addressed. I have also been told by the credit bureaus that my score was unavailable with no explanation. I've never made a late payment on my only credit card, Chase Freedom or applied for a loan, mortgage or anything as of the like, period. I've asked for advice from Chase and XXXX and was told to ask a Licensed Credit Advisor.  I'm on Social Security Disability and by no means can afford to pay a Credit Advisor. Someone needs to give me an explanation for all this confusion and take responsibility for this mistake or mix up. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been having issues with this collection agency for sometime. They refuse to show any documents or the original contract. The account still reports inaccurately to my credit report and I have sent them a letter stating that there are many errors with the way it is being reported to all 3 credit bureaus, from the account status being reported as open when it is a collection and a collection account CAN'T be open if it is an account that was already charged off. To payments being reported as well or late payments being reported when the account is a collection how are there payments being made? There are many errors and I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a complaint against Bank of the West Credit Card for charging illegal fees. 
The XXXX Credit Card statement for the billing period of XX/XX/2023 to XX/XX/2023 lists a Minimum Interest Fee of {$1.00}. This is an illegal because : 1- The only balance on the card is a promotional balance with a XXXX interest rate until the XX/XX/2023. 
2- There were no purchases made during the billing cycle of XX/XX/2023 to XX/XX/2023. 
3- The Minimum Payment of the previous billing statement was made on the due day. 
An interest fee is therefore illegal.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-02
Company: Santander Consumer USA Holdings Inc.
State: DC
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 have disputed this account with the creditor, the credit bureaus and you all repeatedly for more than 5 months and the status date continues to show XX/XX/2017. This is a violation of my rights. This account continues to show on my credit report inaccurately and no investigation has been done. I am requesting immediate deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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 Number : # # # # # # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Upgrade, Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
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 writing to follow up on my complaint to the CFPB # XXXX regarding the inaccurate credit card balance reporting on my accounts ending in XXXX and XXXX. I am disappointed that your response to the CFPB did not address the specific allegations made in my complaint. 
You claim that the information you have on file correlates to what has been reported to the credit reporting agencies ( CRAs ). However, this is not true. The CRAs are reporting inaccurate balances that do not match any of my account statements. For example, my account ending in XXXX currently has a {$0.00} balance and an XX/XX/XXXX statement balance of {$190.00}, but the CRAs are reporting a balance of {$10000.00} as of XX/XX/XXXX. Please provide the statement with this balance or the source of this reported balance. 
Furthermore, Instead of updating the older account ( Date Opened XX/XX/XXXX ) ending in XXXX which reports the higher amount ( {$10000.00} ) which by default has the larger impact on my credit utilization and score, Upgrade Inc has decided to only update the balance on the youngest of the cards with smaller limit ending in XXXX ( Date Opened XX/XX/XXXX ) from {$3200.00} updated on XX/XX/XXXX to a balance of {$2200.00} updated on XX/XX/XXXX. 
I have disputed the incorrect reporting multiple times, but the CRAs often just verify the inaccurate information as reported by Upgrade Inc . This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the CRAs to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information in their credit file. 
Despite my providing Upgrade Inc. with my own account statements showing the correct lower balances, you have failed to correct the information you furnish to the CRAs, in violation of your obligations under 15 U.S.C. 1681s-2 ( b ). You and the CRAs have continued to shift responsibility back and forth, leaving these inaccuracies unresolved. 
I am requesting that you immediately correct the inaccurate credit card balance reporting on my accounts. I am also requesting that you provide me with a written explanation of why this problem occurred in the first place, and what steps you are taking to prevent it from happening again. 
I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am an international student and I received my Social Security Number in USA in XX/XX/XXXX and in XX/XX/XXXX I misplaced my Social Security Card, after which, some suspicious activity was reported on my CREDIT REPORT : FRAUDULENT OPENING OF 2 ACCOUNTS ( XXXX XXXX XXXX  and XXXX  XXXX XXXX NA ACCOUNT ). I had disputed this issue with Trans union bureau and the investigation says that the information on the account is VERIFIED AS ACCURATE. The accounts are visible on my CREDIT REPORT which are impacting my credit score a lot. As i am an International student, it is getting very difficult for me to apply for loans, get a car and an appropriate insurance as my credit score is being majorly affected by this Fraudulent activity. I am requesting that these items be removed from my CREDIT REPORT to correct the information. 
Please investigate this matter and provide me with an Federal Trade Commission Report so i can send it to the bureau in order to remove the accounts on my credit report as soon as possible Thank you, 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 2023-10-19
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX HAS VIOLATED MY RIGHTS. 15 USC 1681 section 602 a states i have the right to pivacy. 15 usc 1681 section 602 a states i have the right to privacy. 15 USC 1681 SECTION 602 A STATES I HAVE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 1 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 AN ACCOUNT WITHOUT WRITTEN instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
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've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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