BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: Turning Point Solutions LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Our information shows : Your Account is now owned by XXXX XXXX from XXXX XXXX XXXX with account number : XXXX This debt is past 7 years debt collection law in state of Texas. If its not, please provide proof of my signature/contract that I signed time, date, etc.. Im getting emails on a daily basis not quite sure how they received my email address that is a form of harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2022, we received an email stating our bank WELLS FARGO thought maybe some fraud was happening with our account, but we did not see this e-mail until the morning of XXXX/XXXX/2022, at which time my husband XXXX called and then went to the bank to address the issue. He advised we were not making any wire transfers to anyone at XXXX XXXX XXXX XXXX using a name that was provided to us from the bank. and that they needed to stop one ( one was created for XXXX XXXX ) in the process that began on the XXXX. During the time at the bank this person was trying to wire 2 other transactions, one for XXXX XXXX and another for XXXX XXXX. They close the account down and were going to send a new bank card, and " look into it '. Time past and when XXXX contacted the bank because he never received the new card, he was advised there was no fraud, he again said this was untrue, and we thought the bank was doing their part and working to get us our money back as they said they would. XXXX was in contact with one person ( XXXX XXXX XXXX in XXXX that had pulled up the phone recording of the person that committed the fraud trying to gain access to our account, and she advised oh yes this is not you XXXX XXXX. Due to a rep on the call the said person gave supposedly some information that allowed them access and set up a new username for our account. Time went by and XXXX took ill and returned to someone else closed the investigation. She then gave it to her supervisor ( XXXX XXXX to reopen as she knew it was fraud and again it was closed. We found this out in XXXX when I said we needed to go to the bank to see what is going on XXXX I requested he make an appointment with the bank to see what is going on. Then that is when we were told the case was closed. In XXXX  we were advised to make a police report as well as file with the FBI we did all that. We did not allow anyone to access our online bank account and remove money via a wire transfer in the sum of XXXX XXXX We are hoping this complaint will be seen and someone will do their part to make this right. If WF acted in a timely manner our money would have never been released. They were advised before XXXX on Friday XX/XX/XXXX this was fraud, they did not contact the bank the wire was going to until Monday XXXX XXXX, you really think a thief was leaving the money in the account? They claim because this was done thru online banking the funds were not FDIC insured. And would not be given back to us. We even spoke with XXXX XXXX XXXX XXXX and they could not find the name of the person to have held an account that was getting our money.

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 2023-01-31
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and I have reviewed my credit report and found fraudulent accounts and inquiries. I contact both the XXXX number : XXXX, and credit bureau to resolve the matter and it has not been resolved or removed from my credit file. 

Below are the account that was not authorized by me : 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 non-monetary relief
Consumer complaint received 2023-02-08
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:
I am a natural person. I am a living being. I have rights under 15 USC 1681.

Equifax is govern by USC1681 and they have violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 because I have the right to privacy and I did not give Equifax written permission to furnish these accounts : Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 filed a dispute with the credit bureau for a collections account with XXXX XXXX XXXX. I provided proof to them that I filed a complaint against XXXX XXXX XXXX with the CFPB and they agreed to stop collection on the debt and remove if from my report. After sending this information they updated the account as a paid collection instead of removing it which is inaccurate. This account should be completely removed.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX XXXX XXXXXXXX I spoke with customer service at Bank of America in regards to making XXXX  payments and the protections should the transaction be fraudulent. I spoke with " XXXX '' ( XXXX : XXXX ) who incorrectly advised me that if fraudulent, I would be able to file a claim to get my money back. This was not the case Series of events XX/XX/XXXX XXXX XXXXXXXX I spoke with XXXX : XXXX ( XXXX ) XX/XX/XXXX XXXX XXXXXXXX I spoke with XXXX : XXXX ( XXXX ) Following that call, the following XXXX payments were made on XX/XX/XXXX {$800.00} to " XXXX  '' {$600.00} to " XXXX  '' {$1500.00} to " XXXX '' and on XX/XX/XXXX {$1100.00} to " XXXX '' On XX/XX/XXXX I called several times XXXX XXXX  11 mins - To report fraud XXXX 3 mins - Voice mail XXXX 13 mins - XXXX department I believe XXXX 95 mins ( filing claim with fraud department On XX/XX/XXXX I also filed the following Complaint with Florida Attorney Generals Office Complaint with ITC3 Internet Fraud Police Report XXXX XXXX County Sheriffs Office , FL On XX/XX/XXXX I spoke with a XXXX of BofA to get information so I could file a complaint with BofA. XXXX confirmed the call history, and provided me the agent 's id. I was then told to contact XXXX XXXX in the Client Care Department to register a complaint XX/XX/XXXX I sent email to XXXX XXXX stating my claim. 

XX/XX/XXXX Spoke with a " XXXX '' from bank of america regarding my complaint. SHe told me she would research the call on XX/XX/XXXX to determine exactly what advice I was given. 

XX/XX/XXXX - " XXXX '' called back and said that the recorded call on XX/XX/XXXX does not exist and that there was no call history for my account prior to XX/XX/XXXX. This contradicts my phone records and the info previously provided to me in other calls to BofA. 

It is my firm belief they are not acting in good faith or with due diligence

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 2023-10-31
Company: Experian Information Solutions Inc.
State: CA
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-02-03
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:
There is a late payment posted to my consumers report on the account XXXX Account number:XXXX late payment of XX/XX/2022. 15 usc 1666b there was no billing statement sent 21 days before the payment was due. The credit agencies has failed to validate information that is posted. Ive asked for this account to be verified and accurate all three credit agencies are reporting different balances ... and failed to update the comment section notice of my dispute.. The account has different scheduled payment amounts, no last activity, different closed dates. and term agreement. Ive sent the same dispute to each agency and no response of the " validation '' just verified with no supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Today, I contacted American Express with an attempt to redeem an American Express Rose Gold Credit Card. The company notified me that I was denied based on my credit score. I did speak with a representative ( XXXX ) who told me all of the reasons why my credit was denied during this transaction. As a living breathing person of sound mind and body aware of my consumer rights, I understand that I am the owner of the credit and simply issuing a credit to myself. Via 12CFR1002 regulation ( b ), this act of denial is discriminatory and I would like to further look into this matter to come to a suitable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CITIBANK, N.A.
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:
I have filed a dispute in regards to the incorrect information that's on my credit report. Which relates to late payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : XXXX  XXXX CARD XX/XX/2019 XX/XX/2019 $ XXXX   Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments Sunoco/CBNA XX/XX/2019 $ XXXX  Monthly Payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
New account was opned with Robinhood on XX/XX/XXXX Deposited {$50000.00} from my personal bank to Robinhood on XX/XX/XXXX My Robinhood account was restricted on XXXX XXXX I have uploading my ssn , drive license copy and self picture per their request, My account still got restricted. ( Case ID : XXXX ) I've contacted Robinhood customer service more than 10 timesphone/email ) regarding this matter, They told me they can see all my identity was verified but have no idea why it was still restricted. 

My Robinhood account was deactivated on XX/XX/XXXX XXXX ( Case ID : XXXX ) Email from Robinhood as below " XXXX XXXX, Thank you for your patience. Based on the information provided, we will no longer be able to support the account in question. Please be advised that this is a final decision. 
Next Steps : We will begin the process of scheduling the remaining funds on your account to be returned to their originating source. Please be aware that this process can take up to 60 days, for additional information please contact the originating bank. Upon the completion of this process your Robinhood account will be scheduled for deactivation. Thank you for your assistance as we have reviewed your account. We regret these circumstances, but we simply can not facilitate this type of account activity '' I emailed Robinhood I have urgent use on these funds and need to withdraw my funds to my personal bank account asap, they reponsed me they will no longer be able to support the account in question As of today XX/XX/XXXX, Robinhood has held my {$50000.00} almost 4 months since the account opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: CURO Intermediate Holdings
State: VA
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 received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX SPEEDYCASH COM XXXX VA ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
In compliance with the dental service 's cancellation policy, My wife cancelled a dental procedure for my son. On XX/XX/2023, the dental practice charged my USAA credit card a deposit of {$510.00}. My son 's dental procedure was scheduled for XXXX, XXXX, 2023 at XXXX XXXX 
My wife questioned the standards of care in my son 's treatment plan, and began checking with other dental practices on how they conducted this same procedure. On XX/XX/2023, she sent the dental practice a notice to cancel the procedure and requested a refund to my USAA credit card in the amount of {$510.00}. The dental practice made excuses as to why they could not reverse the charges. This led to us initiating a credit card dispute for charges ( {$510.00} ) for services that were never received, and were cancelled per the dental practice 's cancellation policy. The dental practice sent me a full refund Check No. XXXX dated XX/XX/2023 in the amount of {$510.00}. I then called USAA as well as sent them a copy of the check via their online credit card dispute website. USAA has declined to reverse the credit card charge of {$510.00} twice. USAA stated, " This concludes our investigation, '' in both of their email messages. Today, I have sent USAA a third letter again, with my evidence of the deposit slip of Check No. XXXX into my checking account, a copy of Check No. XXXX and the XXXX  XXXX XXXX cancelled Check Image of Check No. XXXX. In my latest letter I have asked them for an explanation of their decision, all supporting documentation, and to give me specific descriptions of the evidence that they require. I sent this third letter certified mail, return receipt requested. We may end up hiring an attorney to move forward with our case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: NC
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 have previously sent in a claim similar to this complaint and haven't received the necessary results. I am attaching all the necessary documents to have these items removed from MY consumer report. These items are causing me to lose opportunities with work and housing. Please remove 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 non-monetary relief
Consumer complaint received 2021-05-10
Company: Dovenmuehle Mortgage, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle Mortgage was the servicer of my mortgage until some time in XXXX. They sold my mortgage without notice to me. I went to modify my mortgage payment amount and realized that I could not. I emailed them in XXXX to ask about why I was receiving paper statements and that I needed to adjust my payment amount due to updated escrow ( I pay extra ). They took over a week to respond to my email, and that after I had already called them. I spoke with a lady that tried to walk me through the process and when it didn't work, she had to put me on hold for 1/2 hr to find out that my loan had been sold. I received no information from Dovenmuehle until after my next payment was already due. Since I hadn't received any info from the new place either ; as they would not receive my info until after the payment due date, I was unable to handle my mortgage payment until 1st hearing from the new company. The last payment date to Dovenmuehle was XX/XX/2021. No notices are available online about this sale either. When they finally responded via email, again, there was no info about the fact that my loan had been sold and just a walk through of the process online ; which was disabled because they were no longer servicing my loan. When speaking to the lady on the phone, she told my that my bank account info would transfer over and the payment would process before the due date ; which was not true. None of it transferred over. Good thing I was on top of this process. Had I hoped for it all to efficient and correct, I could've been late on my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I spoke with the credit bureaus about these unauthorized inquiries to no avail. I am told I have to speak with a special department but they said they can not transfer to the department. I have to wait for them to call me back in 4 days. This is ridiculous! Someone is using my information and applying for credit and I have to wait?

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 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

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 2021-05-10
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: DISCOVER BANK
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I scheduled a payment for my Discover card on XX/XX/XXXX, and on XX/XX/XXXX they charged me again for the same month 's payment. When I called to demand a refund for this charge, they indicated I would receive a check in the mail within MAXIMUM 10 business days. I called back today to check on the status ( since it has been more than 10 days ), and the representative indicates they still have not issued the check since it needs to be reviewed before the funds are released. This means that I am now unable to pay another XXXX bill from a different creditor, and Discover sees no issue with this. They claim that the FASTEST repayment method is to MAIL a CHECK, but I do not see how that is factually true. In summary, Discover double-dipped in my monthly payment at a time when I have no financial means to recover this payment and therefore they are causing me financial distress as a result of malicious business practices and deceptive customer service representatives

Company response to consumer: Closed with monetary relief