BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2021-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
Was sent a debt noticed via mail and I requested the debt to be validated. 41 days after sending that letter and receiving no response, I sent an additional letter and have still yet to hear a response. 

It has been nearly two months since that time and I have yet to receive a response from the company. The company, who is representing Capital One Auto, is still reporting inaccurate and unfair information to the credit bureaus after failing to validate debt. 

At the time of this complaint, this debt has not been sold and is the sole owner of Capital One who is being represented by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: DISCOVER BANK
State: FL
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, DISCOVER ACCOUNT # XXXX has violated my rights. 

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes as stated on 15 USC 1666B .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: WELLS FARGO & COMPANY
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
My mother, XXXX XXXX has had two deposit accounts ( checking and savings ) at Wells Fargo for the last 48 years. I am a joint account holder on both accounts. She has maintained significant balances in the accounts over the years. At the end of XXXX, 2023, the combined balance in the two accounts dropped below {$20000.00}, and she was charged a " monthly service fee '' of {$25.00}. For a deposit account. 
I called WF on XX/XX/2023 to ask them to waive the fee. My mother was XXXX. She passed away on XX/XX/2023. And despite the fact that my mother has been a WF customer for close to 50 years, WF refused to waive the fee but offered to refund {$12.00}. 
WF 's business model of charging its customers unfair, deceptive and abusive fees continues unbated. They have simply shifted from opening customer accounts for unwitting customers ( which they also did to my mother ) to charging junk fees to elderly clients. 
There is absolutely no difference between a credit card company charging a {$40.00} late fee and a bank charging a XXXX XXXX monthly service fee. They are all junk fees. The CFPB should protect consumers from WFs abusive business practices. It should order banks to stop charging account holders junk fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
have an open account with PNC bank and i want to close this account but i tried 10 times to get in contact with someone to close this and they make it impossible to get to someone. after 50 min they pick up and tell you that you need a different department and they keep switching you back and forth and they keep charging me overdraft since there is a monthly charge on the account. 

Please just help me closed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Sir/Madam, I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically in accordance with 15 USC 6802. I hereby inform you that I am opting out of any and all authorizations, whether they were given to you in written, unwritten, verbal, or non-verbal form. 

As a consumer, it is my right to control the disclosure of my personal and financial information. I understand that the FCRA grants me the ability to limit access to my credit information, and I am now exercising that right. By opting out, I am requesting that you cease the collection, sharing, and reporting of my personal and credit information to any third parties, including but not limited to creditors, lenders, and other credit reporting agencies. 

Please ensure that my name and all associated personal information are removed from your databases and any future credit reports. This includes but is not limited to my social security number, date of birth, current and previous addresses, employment history, and account information. 

I kindly request that you confirm in writing within 30 days of receiving this letter that my opt-out request has been processed and that my information will no longer be shared or reported. Furthermore, I expect that you will comply with the FCRA regulations by not providing my information to any unauthorized parties in the future. 

Please consider this communication as a formal notice of my decision to exercise my rights under the FCRA. Failure to comply with this request may result in legal action taken against your agency for violations of my rights as a consumer. 

Thank you for your prompt attention to this matter. I trust that you will handle my request with the utmost professionalism and ensure that my rights under the FCRA are fully respected. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Date of the Fee : XX/XX/XXXX Amounts : {$430.00} Actions that were taken : XX/XX/XXXX : I was doing an internal audit on my Bank of America XXXX Account, I noticed two charges totaling {$430.00}, titled " Statement Copy Fee '' from XX/XX/XXXX. After chatting with a Bank of America associate, I am almost certain that this fee was associated with a Statement Copy of XXXX or XXXX that I had requested at a local Bank of America Banking XXXX XXXX XXXX XXXX XXXX in XXXX, which I was never informed that I would be charged such a fee at the time of the request, nor did I ever actually receive the statements through my mail. I am very certain that I did not sign nor agree to any fees that would be imposed to my accounts. The representative whom I talked on the phone, told me that since it had been more than XXXX year, he would not be able to refund that fee, instead he would submit a complaint, and it should be resolved in a month or so. 

XX/XX/XXXX XXXX PM : I haven't heard anything in XXXX months so I decided to pick up the phone and get an update. The representative ( I did not get her name ) I talked to at XXXX PM, via my cell, could not find the aforementioned complaint case, and told me there is nothing she could do about it. I then asked to speak with a supervisor ( XXXX, XXXX ), after XXXX minutes she gave me the same answer - " sorry, it's been more than a year, there's nothing we can do for you. '' XX/XX/XXXX XXXX : I called again because I feel very adamant about this issue ( the feeling of being cheated, the disbelief in the lack of transparency and the lack of willingness to help ) but also he was more than happy to submit a complaint case for me in order to further escalate my case. 

XX/XX/XXXX XXXX : I submitted a feedback email to XXXX XXXX, XXXX of Retail Banking ( this was the only source I could find in order to submit a feedback, see attached ). on XX/XX/XXXX, XXXX XXXX XXXX reached me for me to call her directly ( see attached ). I spoke with her on XXXX PM EST on XX/XX/XXXX, and she relayed the same thing - can't do anything about the fee and it was an XXXX decision. 

So at this point, I have exhausted all of my resources and wasted a huge amount of time to get this issue rectified, and to no avail. No one was willing to put anything in writing, all of the above was communicated to me verbally. 

I thank you for your time. Please don't hesitate to reach me should you have any questions. 
Thank you Very Respectfully 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 2019-07-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am an Identity theft victim who requested for information to be deleted and blocked from my credit report. Sent proof of Police Report, FTC Affidavit 3 times, once by Fax and Twice by Certified mail for 3 years. Item was deleted by Equifax previously and now has been put back on two days ago. Contacted Equifax customer service and was connected to overseas representative who stated it would be deleted and blocked on XX/XX/XXXX the day I called because all information sent in was verified and that he would send me an email that day showing it has been deleted. XX/XX/XXXX Called back because no email came showing information was deleted and blocked, so again I asked for it to be taken care of immediately. I was told it would take 30 days, however informed 2 supervisors and 3 representatives that this is incorrect according to the FCRA listed below 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I sent certified mail with return receipt the information above in 2018 and again Feb 2019. Gave the representatives the certified mail numbers and requested this to be deleted immediately or I would be filling a complaint. I was told again it could take up to 30 days, advised they are not following the above stated law and I had recorded all phone conversations and would be filing this complaint. I have attached again copies of the FTC Affidavit, Police Report, Fax that was sent to Equifax in 2018.  Equifax report showing it was on there because I was told by a supervisor that these items were never reporting on my report before now. Equifax report from last month showing that it wasn't on there because it had been deleted but not blocked because it is back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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/2020 I entered into credit counseling and Incharge debt began to manage all my credit card accounts including Citi. 

I noticed a 30 day late notice on my credit report for the month of XX/XX/2020, so I called CITI to have corrected. At this time I found out over the phone that CITI had turned off my automatic payments to the account before the payments began under my credit counseling agreemnet and they did so without informing me. 

I had previously enrolled in automatic payments with CITI due to past problems with their website and being able to make payments. Their site constantly had errors that prevented me from logging in to make payments, so I enrolled in autopay to avoid further issues. When they cancelled this without informing me, due to this and not receiving a bill, I was not given notice that there was a bill to paid. 

When I disputed the issue CITI did not fix or address the issue.

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 2023-10-07
Company: Commonwealth Financial Systems, Inc.
State: FL
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 following accounts : Commonwealth Financial Account # XXXX, has violated my rights. 
15USC 1681-602A states I have the right to privacy.

15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be.

deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not included This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: EQUIFAX, INC.
State: NC
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:
I submitted a dispute stating debt from XXXX XXXX. was no longer my liability. Equifax did not contact XXXX XXXX to verify this. They just stated that it was my account and closed the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In XXXX of 1999 there was a fraudulent account opened without my knowledge nor permission. Someone opened this fraudulent item and the amount of {$1100.00}. 

I have never had an account with capital one. 
Nor have I received any goods are authorized anyone to open this fraudulent account I noticed it was opened when I went to go try a pre approval and my social was blocked. 

Given that this fraudulent item is so old it is not reporting but it is tied to my social security number at capital one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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 multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 2023-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was an account opened at XXXX XXXX. I had asked for verification of the said account, and none was provided. Then a response from XXXX XXXX States that they no longer have this account, and it was turned over to Portfolio Recovery Ass. on XX/XX/2018. I have no knowledge of this Account in question. I tried to resolve this with Portfolio Recovery Ass..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
this is a real personal complaint made by me XXXX XXXX. Not a third party company or anyone else. I am a victim of identity theft, i submit a report to the credit reporting agencies and they didnt remove any of the accounts. and per the fair credit reporting act they have XXXX days to remove all of the accounts.

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 2018-08-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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:
Somebody named chexsystems inc is telling people to not give me a checking account, I did not authorize this chexsystems to collect data on me or to report on 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 2023-10-07
Company: World Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These accounts are ran as a charge off But i never receive any of the 1099 cancellation of debt form. 

In accordance with the fair credit reporting act XXXX  account numbers XXXX XXXX XXXXXXXX Account # XXXX XXXX- Account # XXXX Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy. 
15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my information. 

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. 

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship. 

In accordance with the fair credit reporting act XXXX account numbers XXXX XXXX XXXX- Account # XXXX XXXX- Account # XXXX WFC- Account # XXXX XXXX- Account # XXXX All accounts from these companies Has violated my rights 15 U.S.C16 81 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 : also states a consumer reporting agency can not furnish an account with my consent. 

The accounts listed above not only are in accurate but also reporting as ( PAST DUE ) on my report which is a VIOLATIONS. 

Continuing to collect on a closed ( debt ) account after it has been sold unlawfully theres also a violation to a third-party damaging why credit leading me further to financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
XXXX doesn't hold a contract with me to report anything on my Estate or corporational being so there operation against me for starter are fraudulent and those of identity theft aside from this problem, They XXXX continues to report I owe a mortgage for a home I purchased back in 2020 XXXX which on the Warranty Deed I provided XXXX XXXX is not in contract. Fraud again against my Estate abd corporational being without authority to operate. I also opened a complaint with XXXX calling out XXXX XXXX Fraudulently operations that was opened XX/XX/XXXX its stuck on stage 2 since then 7 months later to much corruption within these organizations.

Company response to consumer: Closed with explanation