BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2022 I went inside XXXX XXXX branch located in XXXX, Ga to do 2 wire transfers in the amount of {$30000.00} and {$40000.00} dollars. I had a mortgage closing on XX/XX/2022 at XXXX. So on XX/XX/2022 I called Wells Fargo corporate department customer service and executive dept. they stated they could not help and directed me to the branch. As I went to the branch I spoke to the manager XXXX XXXX, asking her what happened to my funds? She contacted Wells Fargo wire department. They told her there was compliance issue and needed more information as in date of birth and address. Wells Fargo did not contact me anything in regards to that until I had to go there myself to find out that information. The Wells Fargo branch manager told me that the wire should be there the next day. So the seller of the home alllowed me to postpone for a day only. So the closing was scheduled for the XXXX of XXXX. The next day and till this day no funds has been recieved. 

I have spoke to several people in Wells Fargo corporate office and the bank manager is ignoring me Ive sent several emails. All they are telling me is that they cant do nothing. 

Wells Fargo has my {$70000.00} I cant afford to pay rent, food, pay bills due to all the funds being taken by them. There telling me to wait another couple weeks. I lost money on the closing as well.

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 2023-10-26
Company: EQUIFAX, INC.
State: NJ
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 am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of 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 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 2023-10-03
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I contacted Truist Bank regarding a online transaction regarding XXXX  ordered. I was charged {$190.00}. I typed the XXXX  more than once because it did not take the first time ( XX/XX/2023 ). I have called fraud department with Truist Bank over seven times concerning this transactions * also telling them that the order was delivered and was advised not to take XXXX  XXXX XXXX XXXX so, I returned the package unopened and gave the bank the USPS returned XXXX  They have returned the {$140.00} in XXXX. However, they refused to return the {$50.00}. The branch has tried to assist me, as I showed them the return emails showing the refund from the merchant. Truist still will not refund my {$50.00} it owes me.

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 2019-11-21
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I obtained a Smile Generation credit card from Comenity Bank about 5 years ago which has been, maybe 6.I became concerned when I reviewed my statement, and discovered that % 50 of my payment, was going toward interest, and % 50 to principal.I knew this was wrong, so I contacted them and question about this  consistent pattern.It does not make sense, the contract does indicate this, and if it had I would not have accepted it.I was not given a reasonable explanation.I asked for a copy of my beginning balance, and was told we don't have one, in our system, it is stored away in our warehouse.I have been paying on this bill for years, and don't know what the beginning balance was.I lost my copy, and they will not supply me with one.Comenity also changed the interest rate, to what I don't know, because as indicated it has always been % 50 on my bill.It is taking years to pay this bill, if I pay more than the billed amount, they still apply % 50 to interest.I contacted the XXXX  in their area, asking them for my payment history, and a copy of the original billed amount from XXXX XXXX , they didn't comply, they said they would within 30 days.These people are scamming me, and I want it stopped.Their refusal to supply with my billing history, and payments, including the original billed amount is evident they are deceptive in doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I have submitted two CFPB complaints, XXXX & XXXX - XXXX XXXX & XXXX TransUnion and still to date I am yet to receive what was requested by law from these two agencies. XXXX has complied. The Consumer Financial Protection Bureau ( CFPB ) has supervisory and examination authority over our business and has in the past, and may in the future, initiate enforcement actions with regard to our compliance with federal consumer financial laws. Actions by the CFPB or other regulators against us or our executives could result in increased operating costs, reputational harm, payment of damages and civil monetary penalties, injunctive relief and/or restitution, any of which could have a material adverse effect on our business, results of operations and financial condition. 

The CFPB is authorized to prevent unfair, deceptive or abusive acts or practices through its regulatory, supervisory and enforcement authority. 

XXXX AND TRANSUNION are obligated by the FCRA to report accurate accounting. I have advised them of the accounts that resulted from fraud. By LAW, these companies had 4 days to remove the items, to date they are not removed. A FTC fraud report was filed along with CFPB and a statement from me the consumer. I am now requesting XXXX AND TRANSUNION to remove accounts immediately. I am not asking for an e-oscar report. SAID companies are liable under the SEC to follow certain rules. XXXX Commission number XXXX, TRANSUNION Commission number XXXX. I will be filing form XXXX treasury omb forms to audit consumers account. XXXX AND TRANSUNION are securitizing consumers data yet refuse to provide correct resolution per the LAW. Again, per, THE SECURITIES EXCHANGE ACT OF 1934. The Consumer Financial Protection Bureau ( CFPB ) has supervisory and examination authority over our business and has in the past, and may in the future, initiate enforcement actions with regard to our compliance with federal consumer financial laws. Actions by the CFPB or other regulators against us or our executives could result in increased operating costs, reputational harm, payment of damages and civil monetary penalties, injunctive relief and/or restitution, any of which could have a material adverse effect on our business, results of operations and financial condition.

The CFPB is authorized to prevent unfair, deceptive or abusive acts or practices through its regulatory, supervisory and enforcement authority.

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 2021-09-29
Company: Colony Brands, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Medical information being shared without a Hippo signature I would like a sign copy showing my signature on the debt in question. I would like to see a sign hippo that give anyone but the medical facility the right to shared with any out side agency a medical problem that may are may not occurred. XXXX XXXX XXXX  opened date XX/XX/2014 amount {$1000.00} If no Hippo signature giving XXXX XXXX XXXX the right to any of my Medical information are sign statement I ask that they remove not to be reported the law state that any thing about one Medical history should not be shared without hippo approver to the person that share the information without a {$1000.00} fine est.

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 2023-11-06
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My name is XXXX XXXX. I was born and raised here in XXXX XXXX. 

I recently tried to sign up for a new checking account with the Boeing Employees Credit Union ( BECU ), I also tried to sign up with XXXX XXXX  XXXX but was denied. 

I was involved in a shooting and I am now getting Washington State Victims crime compensation. I received a check for {$1700.00} from the Washington State Treasury Department and I was unable to cash it at either bank because they were unable to verify my identity. 
I went to XXXX XXXX in XXXX and gave them my identification card, date of birth and social security number and XXXX XXXX was also unable to verify my identity. I ran a XXXX XXXX report on myself but they were unable to verify my identity. 
I went to the IDme.gov website and entered in all of my information correctly, I even had to do the video of my face for recognition and they were unable to verify my identity. I went to the Social Security Administration office here in XXXX XXXX  and I spoke with a gentleman there that verified all of my information is correct but because of the issues I'm experiencing he told me that I should hire a private investigator or contact the police so I'm hoping you can help me. 
I don't understand what's going on. 

TIA, XXXX XXXX DOB XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citizen 's Bank sent me a check for {$3.00} addressed to XXXX, a credit card I have but had paid in full in XXXX. I had no idea why a check addressed to them was sent to me, a bill that had already been paid the month before so I deposited it back into my account, and the bank subtracted {$3.00} from my account. They the charged me {$30.00} for overdrawing my account in XXXX. No matter how hard I tried, they tried to tell me that the withdrawal for money I had deposited was warranted. Had I just thrown it in the trash or sent it to XXXX XXXX, XXXX XXXX would have refunded me the {$3.00}. I am confused as to why a bank would mail me a check meant for a credit card company. The money I did not owe them then turn around and deduct the money from my account. I guess I should have thrown the check in the trash! 

I have had nothing but trouble with this bank from being thrown out when I wanted customer service ( I had my XXXX, deaf registered therapy dog with me ), to a frozen ATM card they could never explain after waiting 45 minutes for customer service on the phone, an ATM card that never was replaced when promised, a promised {$200.00} rebate for putting {$200.00} a month in my savings to account 3 months in a row when their customer service said I was good to go for the rebate, etc. I am XXXX XXXX XXXX and this is no way to treat a senior on a fixed income. 
XXXX  has so many complaints they have one star for their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
XX/XX/2023 Experian is reporting a collection on my report that is inaccurate. 
The account is listed as : XXXX XXXX XXXX ; XXXX XXXX. 
Balance {$1200.00}. 

The account has been paid and closed. 

XX/XX/2023 I have mailed letters, disputed online, and called Experian to remove the inaccurate account being reported. 

XX/XX/2023 The collection company XXXX XXXX XXXX advised they would submit the updated account information to the credit bureaus, and did not. 
XXXX XXXX XXXX is not who the debit is with, the debt was with XXXX XXXX. 

XX/XX/2023 This inaccurate account being reported is hindering me to be able to purchase a new home.

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 2023-10-26
Company: Seattle Service Bureau, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
recently there was a motorcycle accident and I was asked to pay for the damages and I agreed to ay the amount they asked for which i did $ XXXX at that time I asked if this was the total amount and the collector stated yes. XXXX he is stating that I have to ay them another XXXX dollars and I also said i would do so, I have been making payments every month of {$100.00} sent to them by money order with the XXXX ID # XXXX I have not missed a payment. Now this collector XXXX XXXX of the National Service Bureau, has threatened to have my drivers license suspended, is rude calls me and says that the way i am paying is not acceptable he wants my bank account number and has even told me to just go the store and buy a pre paid card and give him that number, when i stated that no i would not and he can not have my bank account number he hung up, He is very nasty and rude even after I have been making these payment as i stated i would. If he does not like the money orders then maybe he should bay this additional money himself. I am afraid if i argue with this individual he will cause me to loose my job and he will have my drivers license suspended because i have not done it in the way he wants. 

They are getting their money and i feel this harassments is uncalled for and this is causing me great distress. I am trying to do the right thing and he is going to make it so that i just say NO MORE if he does not stop the never ending harassment 's

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I joined CostcoXX/XX/XXXX 38 years ago. I have retired and have no further interest in Costco membership where I purchased business supplies. I cancelled membership XX/XX/XXXX and received confirmation. They us Cit Bank Visa. I received E mail that my Visa card ( Costco ) had a balance of {$60.00} which annual dues. I have never authrorized Citi Bank to put my dues on thei credit card. I can prove and have cancelled check where I paid Costco dues with my Company check and have always paid by check yer Cit Bank is doing automatic deduction of my dues ( never gave them permission ) to put dues on credit card now they want too charge me a late fee for due in Costco that I cancelled membership in. I have called Costco and Citi bank and they are no helping us. 
I am due a refund for paying double dues in XXXX and no balance or late charge in XXXX. 
It will take you to get this straight I tried and could not make either understand. 

I need check form them Company account closed XXXX Credit card cancelled. Please help.

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 2020-02-20
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2020 I contacted Schrony Bank regarding Lowes 's credit card to dispute 30 days late being reported on my credit file. The online representative typed she could not do anything and I told her that I would be contacting the CFPB and she told me that she would note the account. I did not pay the account 30 days past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: PA
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 sent my letter off on XX/XX/2023. I told the Credit Bureaus to investigate every piece of information on the accounts I have listed below. I also have the tracking number for the letters because i sent them certified mail so that i can be sure that they have received them. According to the FCRA the Terms " Investigate Consumer Report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated that my account was verified, but how is that possible when they did not do a proper investigation according to the law? Also every piece of information on these accounts are still not 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian 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
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Equifax credit report had both a bad address and a valid address with a last-lived-at date more recent than it should have been. I was able to dispute the bad address, but there's no way in their app to dispute the last-lived-at date for an address. There's also no way to contact them online. I called them on the phone and navigated a long, complex automated phone menu system, at the end of which the system said it was unable to verify my identity and refused to let me speak to an agent. It offered to provide me instructions for contacting them via fax or mail, but when I asked for fax instructions, it said basically, " Ha ha just kidding, we don't actually accept faxes anymore, you'll have to use mail instead! '' and gave me mailing instructions instead. At this point I gave up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: OH
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.

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 2023-10-17
Company: FinCo Services Inc DBA Current
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The bank im referring to is Current bank and I recently just got my account closed with no explanation, Ive tried to figure out why and they cant tell me been on the phone with the person in charge wont tell me why its closed now im trying to get my money out theyre saying they cant do nothing I have to respond to a email by fraud team i respond to the email 7 hours ago no response these people are playing me and playing with my money.

Company response to consumer: Closed with explanation