BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-18
Company: DISCOVER BANK
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
I am hoping you can help me. I had a credit card with Discover years ago. Due to a divorce and relocation and severe loss of marital income I had to stop making payments in XXXX. 
I have recently received a letter from the IRS siting funds I owe from a XXXX cancellation of debt from XXXX XXXX XXXX ( Discover Card ). I was only contacted by Discover a few times in regards to debt collection and that was within a year of my last payment. In NC there is a XXXX year statute of limitations on credit card debt and even the IRS sites an expiration of a non payment testing period as XXXX months. I am trying to dispute this with the IRS but getting information from Discover has proved to be difficult. I believe the XXXX form that Discover sent me should be for XXXX or XXXX, not XXXX. The debt the IRS is trying to hold me responsible for is too old and the credit card company should be held responsible and made to provide accurate information to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I spoke to citizens bank on the phone and contacted them to close my checking account. I do not have access to this checking account because they locked me out of it and I can't even reset the password to the account. I was told my account is being closed but I just received an overdraft notice on an account that should have been closed months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-23
Company: Experian Information Solutions 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 have a collection account reporting on my account that doesnt belong to me I have repeatedly disputed this with the bureaus and all bureaus have removed account except Experian is stating account came back as verified but Im not sure how this is possible because I have requested proof of validation with my signature and have yet to be provided the information that they are reporting as correct

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 2023-08-06
Company: SYNCHRONY FINANCIAL
State: OH
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 hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). 

Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers. 

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct. 

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law. 

As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've been attempting to apply for credit limit increases with Capital One for XXXX years now. I have XXXX cards with the company and have been a customer for upwards of 6 years now. Starting roughly XXXX years ago, they claim that there is pending legal action against me and that they are unable to authorize my credit limit increase request because of this. I have called them multiple times requesting additional details on where this information is being sourced from and how I can correct this and making sure they understand that there is no pending legal action against me. I have also confirmed firsthand and relayed to Capital One that my credit reports from the XXXX major bureaus do not show any evidence of pending legal action. Everytime I try to solve this issue by calling them, they tell me they can't provide me with information on where they get their information from, and then when I attempt to escalate to a manager I am being told that they will file a ticket and follow up with me but never do, or tell me that there's nothing they can do for me and that I'm welcome to try applying for an increase again if I believe this is in error. I have tried applying at least XXXX times now, and everytime I get the same denial with the same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2022, I issued check # XXXX in the amount of {$1100.00} to XXXX XXXX, a painting XXXX, for a home painting project. On the same day, the XXXX tried to cash the check at the local Wells Fargo bank at XXXX. However, due to the handwritten amount on the check being for XXXX XXXX XXXX XXXX, ( which should have been XXXX XXXX XXXX XXXX ) the bank teller caught the discrepancy and would not cash the check. 

I was contacted the same day by the XXXX concerning the check and I agreed to write a new check. I issued a new check ( # XXXX ) with the correct amount which the contract took back to the bank and the check was cashed. 

Subsequently, The XXXX proceeded to also alter the original check and deposited it. We immediately alerted Wells Fargo prior to the funds being distributed, but the money was transferred regardless. 

I attempted to get the money back from the XXXX, but was not able to get any money returned or any work done. As such, the police were contacted, a warrant ultimately issued for his arrest and we are awaiting resolution. 

But for Wells Fargo transferring the money for check # XXXX over my objection and cashing a check that was obviously defective, I would not be out of the 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 2023-08-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX when I lived in Arizona I had a Mervyns credit card account that unfortunately I wasn't able to pay because I lost my job my house and my mother had passed away in XXXX. I had to move out of state to seek a better future since I was a single parent with XXXX kids. I moved to California and have been here for the last 17 years. I'm getting served with courts documents from what I believe is a 3rd party office claiming to be from Mervyns stating I am being sued for over XXXX that I supposedly owe Mervyns when in fact I owed about XXXX to XXXX dollars. It's been about 21 years since I had this account. Is this even possible?? I need help please I can't pay over XXXX. I'm a single parent with a special needs child whom I take care of all by myself. What can I do to stop these people from placing a judgment 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 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was told by a bank teller on XXXX that XXXX money orders for {$500.00} each would clear my account on XXXX. It was printed on my receipt that they would be available on XXXX. On XXXX I received an email stating that they would be placed on an extended hold until XXXX and was given no reason why. On XXXX I contacted XXXX XXXX with the money order receipt numbers and was told that that had been cashed on XXXX so the funds were available. 

Bank of Americas website states Deposit holds typically range from 2-7 business days, depending on the reason for the hold. For deposits made on weekends, funds are considered deposited on Monday ( the first business day ), so the hold will go into effect the next business day ( Tuesday ).

In some cases, the length of the hold can change based on new information we may receive or discover. If this happens, you will be notified promptly through mail and/or email. 

I was advised on XXXX to call the bank the next and speak with a supervisor to see if they could release the 10 day hold on my money orders, which they could not. I would like to get my money and close account. They deceived me when they told me one business day in person when it actually turned into 10 days which isnt even in their policy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: TN
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:
My car loan account with XXXX XXXX is showing several inaccuracies with all 3 credit bureaus ( XXXX, equifax, XXXX ) such as a late payment from XX/XX/2022, incorrect balance, incorrect last payment reported date, incorrect opened date, and incorrect comments reported that are all different on each report. I am not asking for the account to be deleted but only for this information to be updated correctly. I have never been late on this account and I have tried updating this information with the creditor several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened my Chase Visa card in a predominantly XXXX zip code ( XXXX ) and since then they have charged me 30 % interest. This year alone I have paid {$2400.00} in interest. My XXXX card opened in the XXXX  XXXX zip code XXXX charges me 9.99 % interest. I asked Chase to match that and they refused. I have a total of {$10000.00} in auto debt on a 36 month loan with 30 month to go. I have {$21000.00} in revolving debt including the {$8700.00} ( most of which is interest ) owed to Chase. I paid off my mortgage early. My student loans were forgiven through PSFL and I paid off my last car loan early. Yet Chase claims the 30 % interest is justified. I think the reason is exploitation and discrimination because my house was located in a XXXX neighborhood and I would like Chase to be investigated for redlining. Since XXXX XXXX is okay with 9.99 % the only difference is the zip codes where they started.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Funds from a XXXX acct were transferred, XX/XX/XXXX, in error to a PNC account that had been closed several years prior. I called PNC and alerted them of the error on XX/XX/XXXX. I was told by PNC customer service that any transfers to an account that was not valid would automatically be kicked back to the transferrer account ( XXXX ). The funds were never returned to the XXXX account. After more than a week of phone calls and over XXXX hours of phone time with customer service ( XX/XX/XXXX ) ; I was told another dept had the funds and were holding them as they did not know what to do with it. No one with access to my account info with PNC nor myself were ever notified that a dept within PNC was holding the funds and no reason was given for the hold. I was finally able to speak with a manager on XX/XX/XXXX who informed me they would be mailing a check and would take XXXX business days- please note this is an absurd transit time for mailing a check from MI USA to GA USA. On XX/XX/XXXX I called again to obtain tracking info on the mailed check as the XXXX business days had run out and i still had not received the check. PNC customer service told me that now the transit was XXXX days and that nothing could be done and no check could be re-issued until the 15 day window had expired- please note again, this is parcel mail sent via USPS from XXXX MI to XXXX GA, there is absolutely no way it would take XXXX weeks to deliver. Current USPS transit times are XXXX days from MI to GA. I was again told that no tracking # existed ( patently false ). I called XX/XX/XXXX, XXXX, XXXX, XXXX and was denied a tracking # for the original parcel and told that voiding the check that has been missing since XX/XX/XXXX would not be possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/23 I tried to create an online account so as to be able to place a credit freeze on my information. I received a message that I was unable to complete this and that a verification code would be sent by regular mail. 
On XX/XX/23 I received the verification code by mail, then went to the web site and entered my email address and the code. I received a response that my account was set up. 
However, when I tried to the enter the account with my email address and previously set up password, it failed. Presumably I had the incorrect password. I then tried to use account recovery, but it has also failed and I received a message to call Equifax. 

On XX/XX/23 I called Equifax and spoke with XXXX. She reset the password after a lengthy complex identification process involving taking photos of my idea and myself, etc. Then she told me not to log in for XXXX minutes. But then she told me to log in while talking to her anyway and the log in failed Then she told me to wait XXXX hours, which I did. The login with the new password failed again, as it also did XXXX hours later. 

My only recourse seems to be to call Equifax back and do another password reset, but from reading similar experiences online it seems very likely that the same thing will simply happen again. I'm amazed that people who have such a poor online account system are allowed to handle my sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: EQUIFAX, INC.
State: FL
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 contacted Equifax 6 times in the last month and have sent them letters and disputed online. They fail to update XXXX XXXX union file - a repossession that has gone beyond the 7 year rule. THe other 2 Main Credit Bureaus have taken this off their file already. My last contact was XX/XX/2019 - I spoke with a Dispute Supervisor. She said that they do not have a record of my payments missed so she cant confirm the last reported delinquency date. Also I have a XXXX - XXXX bill that has been settled in full and Equifax refuses to update this information. What is the purpose of them keeping negative information on my file? Do they get paid more money? Can they send my file to companies who profit from loss? I do not understand. Both XXXX  and XXXX  have had no problem updating their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EGL US, LLC
State: TX
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:
XXXX XXXX XXXX A DEBT BUYER, HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C 1681. ABSOLUTE RESOLUTIONS INVESTMENT WAS SOLD MY PERSONAL INFORMATION BY THE THE ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 

15 U.S.C 6802 1 ( a ) ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX, am filing this report due to being a victim of identity theft. the accounts listed were opened fraudulently using my social and other nonpublic information of mine. there are also several social security numbers on my account that are there fraudulent, that I have never been associated with. I did not benefit or give consent to anyone or persons to use my information to obtain these goods or accounts. In 2016, my information was compromised after someone stole my purse. my purse contained my license and bank card information inside. ever since, I have been dealing with identity theft. I am excursing my rights under the FCRA 15 USC 1681 to have all fraudulent accounts and social security numbers not mine blocked and deleted 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 explanation
Consumer complaint received 2023-09-15
Company: CNG HOLDINGS INC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was looking at credit report. Tempoe llc was on there assuming for something I bought at XXXX XXXX XXXX ago. I am not sure what the original price was. But every time they have called me over the years, I tell them that I paid what I purchased for and then some. 
Then I notice the debt was sold to XXXX XXXX XXXX, I paid over the amount that I was sold the item for.. 
Then as I am researching I notice Tempoe llc was sued and found guilty of falsely identifying what the actual sales were.

I would like this off my credit report if possible. I do not know what the debt was sold, but I do know I over paid for the item.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried depositing {$940.00} cash into the ATM at my local Bank of America branch at XXXX XXXX  on Monday XX/XX/XXXX. Shortly after putting the cash in, a message on the ATM screen popped up that said it is unable to process my request and can not return my money. Then it printed a receipt with a phone number to contact their electronic claims team. I called and filed a claim and the customer service representative said it will usually take 1 to 2 days to be resolved. Its now day three and I have no update about where my money is and when I try calling again it just says the claim is being investigated with no update. I have bills to pay and can not go without almost {$1000.00} any longer. I dont understand how the bank is so casual about holding my money hostage when their machine made a mistake. This happened once before and they credited my account immediately and there were no problems. I dont understand what is different about this incident

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