BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The company below is refusing to verify my identity to get into my account as you will see. I have a new number and can not get into my account since I can not receive the verification code to my old phone. I initially tried to login to do this because I also had to get a new bank account recently and realized I couldnt login to switch the information and make a payment. Ive contacted PenFed credit union several times and talk back and forth with them on how to verify my information to change my phone number and bank information to make a payment on some way or another. They asked for a copy of my phone bill to my current address, and my photo i.d . Which I provided to them multiple times, To continually get denied. I am now over a month behind because they refuse to fix these issues and take my payment which I had at the time. You will see in the emails I ever let my XXXX get the best of me in the last one and told them to take the car if they refuse my payment. Obviously this isnt what I want but Im at my wits end and dont know what to do it seems pointless. I will include email attachments with dates. I can not get my account, or loan number due to not being able to login to my account. But my names XXXX XXXX my address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, my car is a XXXX XXXX XXXX XXXX  model, and my online username is XXXX for my PenFed account. Hopefully they can pull it up with this information 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 2023-08-30
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Experian Information Solutions Inc.
State: CT
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 Account XXXX XXXX  # XXXX, Capital 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 an 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 2020-05-11
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2022-12-20
Company: ARVEST BANK GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to XXXX XX/XX/2019 from XXXX. A letter was sent to us that denied our request to drop PMI. 
The principal balance was about {$200000.00}. Our house sales price was {$420000.00}. 
According to the loan to value we meet the guidelines to drop PMI by XXXX XXXX. 
Why did they continue to charge us? WE are way below the 80 %. 
The company has been charging us {$63.00} a month for no reason. 
I have called, but no response from the PMI department. The customer service rep says they do not take calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The issue is related to Best buy Citi credit card. I got a best a best buy credit card with 36 months of promotional XXXX. Most of the credit card statements will reflect A. Minimum payment due B. Statement balance C. Outstanding balance. This company always confused statement balance and outstanding balance. So I was always left with the choice of either paying the outstanding balance or the minimum balance due, leading to them charging me interest. 

2. The company at the time of purchase told us that our purchase payment will be converted into 36 payments but now customer care says that it's 12 months.

3. Tried to reach out to the company two times but they have a very shrewd way of cheating the customers and making some money from the interests that they charge on poor customers.

4. The credit card companies have three payment options : minimum balance due, statement balance, and outstanding balance. They are not clear on this, you need to dig deep or do research to find out about the payments due to avoid interests. 

5. In case they have reported anything to my credit reporting company I want them to withdraw that.

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 2022-03-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Scammer called said they were the bank and that there was details on my account and tricked me into sending {$2000.00} via XXXX I called the bank back the transaction was still pending In my bank today them it was fraud and they said there was nothing they could do to call back Monday the number that I was told to XXXX the money to was XXXX Im recently retired on XXXX behind on bills and that was all the money I have Im XXXX and Im sick over it please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: OR
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 accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: CA
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:
A check was fraudulently cashed on XX/XX/XXXX in the amount of {$3800.00}. A claim with Wells Fargo Bank was filed approximately XX/XX/XXXX when the fraud activity was discovered. We received a letter from Wells Fargo Bank dated XX/XX/XXXX providing a claim number and stating that it would take at least 90 - 120 days for us to received the money back from the other bank or correspondence as to why the claim was denied. We have received absolutely no information about the status of the claim and calls to the bank have not been helpful.

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 2022-12-20
Company: Williams & Fudge, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Williams & Fudge Inc. Phone number XXXX has continoiusly called me while at work, after I have told them numersous times the hours I work, yet they have continued to call me for months. 
I can see in my recent call log a phone call on Friday XX/XX/XXXX, Monday XX/XX/XXXX and today XX/XX/XXXX. 

Its almost daily that they call me despite me telling them when I am available outside of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, 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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/202XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
1.Money was transferred from personal checking account via XXXX and was not authorized 2.Bank did not notify of the of the transfers 3.The day after the first fraud occurred on the account, the bank was contacted and notified of the fraud 4.Repeated request for XXXX cancelation to phone representatives at USAA 5 . Bank stated we had to prove we did not make the transfers 6. Bank is stating the transfers were from our phone at our home address. We do not understand this. We did not make the transfers and most occurred on XXXX which seems odd in itself. 
7. Below are the dates, names, amounts and how the transfers were made. 
8. We do not know any of these individuals by name, phone or email addresses. 

Case # XXXX Date Name Amount Email/phone XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$150.00} XX/XX/XXXX called USAA to report fraud -under review XXXX XXXX XXXX {$320.00} XX/XX/XXXX called USAA to report fraud XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX XXXX {$20.00} XXXX XXXX XXXX XXXX  {$100.00} XXXX XX/XX/XXXX? -called USAA XXXX XXXX -called USAA Temperance XXXXr -called USAA XXXX XXXX XXXXXXXX XXXX  {$100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX @ XXXX XXXX XXXX XXXXXXXX XXXX {$100.00} XXXX XXXX XXXXXXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$250.00} XXXX @ XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XX/XX/XXXX XXXX {$2800.00} XX/XX/XXXX XXXX @ XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - she said call was from phone at home address

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received collection letter dated XXXX XXXX XXXX from XXXX XXXX XXXX XXXX about a debt for LVNV for {$14000.00} last XXXX digits on letter are XXXX. I do n't owe any money to LVNV I do n't know what this account is about it just popped up in my mailbox out of the blue. I did not apply to any accounts with LVNV.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: NM
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 am formally submitting this CFPB complaint just to notify you about the late open account upon checking it in in my credit file. I found out that the account XXXX still on my credit file which are appeared as late, the fact is, I've been paid it already. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned accounts are incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. With your assistance, these accounts XXXX  XXXX Balance : {$12000.00}, and XXXX  XXXX Balance : {$12000.00} should be corrected by the 3 credit bureaus right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, consumer XXXX have tried numerous times to request that company Capital One XXXX stop reporting late payments to my consumer reports without my consent for XX/XX/2019. The company Capital One is in clear violation of the law, under 15 USC 1681b permissible purpose of a consumer report, THE LAW CLREARLY STATE : ( a ) In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave the company Capital One the written instructions to furnish this on my consumer reports. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) under the exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is the last attempt to get this resolved outside of court with the company Capital One and I plan to explore remedy minimum of {$1000.00} for each violation to name a few below. Defamation of character Negligent establishment of identity fraud Fair Debt Collection Practice Act 15 USC Violation Fair Debt Collection Practice Act 15USC 1681 Violation for willful noncompliance civil liability, USC 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Good afternoon, I am the owner of the company XXXX XXXX XXXX, incorporated in the State of Florida on XX/XX/XXXX. 
He had a checking account at Bank of America, which was closed due to his unilateral decision and notified to the company by communication dated XX/XX/XXXX, reference case # XXXX. 
In the communication they do not indicate the cause, motive or reason that produced the decision to close the account, but they do inform that " if your account has a balance after closing, we will send you a check in the name of the account holder ''. and send it by mail to the address that we have registered '', so that at the time of closing the account the balance was {$65000.00}, an amount that after more than 1 year and 10 months has not been returned to me, even though I have carried out multiple procedures before the Bank 's Customer Service and Risk Departments, all of which were unsuccessful. 
The Bank has withheld the company 's funds improperly and indefinitely without even giving a formal explanation beyond that the account is " under investigation '', which is the response given by the Bank 's representatives who have answered me by telephone. 
The retention of funds for more than 22 months has caused damage to the business of the company by being prevented from fulfilling its commitments to pay and purchase merchandise.

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 2022-03-13
Company: JPMORGAN CHASE & CO.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On the XX/XX/2022 i initiated an international wire transfer of {$17000.00} through my secure chase bank online account to a family member in XXXX. He never received the money, after six working days i contacted chase bank which i was told to wait a day more, I waited a day more there was still no money in my family member account in XXXX, I called chase bank and instructed them to initiate trace and recall of my {$17000.00}, which they did. the next day XX/XX/2022 i called chase bank again and i was given an email to report the problem am having with the wire transfer, WIRE ACH URGENT, i sent email to them and i did receive a response immediately. 
Thank you for contacting XXXX XXXX. 

To maximize efficiency and turnaround times please follow these guidelines : - DO NOT submit the same request multiple times, it will cause delay - Follow the instructions on the form when entering the required information on the subject line - Do not send requests without a form, as it won't be processed Please note requests received after XXXX pm EST will be processed the next business day. 

Today is XX/XX/2022, i have not received any update or where about of my money, is very scary that a big bank like chase can not trace and recall wire transfer that went via XXXX and secure account. i need my {$17000.00} credited to my Account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: TX
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2022-12-20
Company: OneMain Finance Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
One main financial call me back to back even though I have talk to numerous representative stating the same thing. I have a claim that has been approved and the pay my car payments monthly. If they are a day late one main calls me saying my account is deliquent. They claim its their job and they have to call you everyday until its pay. This is constant mentally draining and is harrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation