BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from a customer on Sunday for {$2600.00} and on Monday I seen in my transaction history a reversal so I called the bank they told me all is okay and money will be available Tuesday morning. Well on Tuesday I called and it was not there. I was told to deposit the check a second time and I did as instructed. Now there is an extended hold for like 10 days because the check was deposited 2 times. I complained and said that is what you instructed me to do and I was told there is no way to change it or expedite the release. So my frustration is I did exactly what I was told to by the bank and they are treating me like a fraud. With no way to help! This is not acceptable and conducive to running a business.

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 2022-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020 I have a charge of {$370.00} from XXXX I would like details of this charge as it was during lockdown and cancellation of hotels and flights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
nationstar is trying to steal my home they have absolutely no standing to do so they dont send me statements i have a right as a consumer to know what my balance is i requested payment coupons more tha n ten times i found out that not one mortgage payment could reduce the principal they created a false balance sheet to look like my payments were reduced actually if i paid that loan off in entirety i could never get a clear title to the property or no person on this earth could get one also they committed fraud upon the court both state and federal federal because they forced me into bankcruptsy when they claimed they owned the mortgage and they never did i have about 80  pages of supporting documents to support what i have been saying this has taken a big toll on my life i had a rare  XXXX   XXXX  last  XXXX  and just went to my  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  week she wantedt know why numbers are not good she put me on several medicines to take i just dont care to take them anymore thanks for listening somebody has to stop this criminal bussiness not with fines in the millions thats nothing to them they have already stole that from their customers i mean billions and bring felony charges against their ceo   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 disputed a past due amount on my credit report for the XXXX XXXX  company. I disputed in XX/XX/2018, and I sent additional proof to Transunion in XX/XX/XXXX and XX/XX/2018. I also called and spoke with representatives of Transunion, and provided proof that one of the other credit reporting agencies removed the account of their report for me, due to the error. Transunion has not followed through and have failed to properly investigate and remove/correct the Account due to the error. I have also made a screen shot of Transunion 's own payment history for me on this account, keeping the past due balance the same. At this time, the account is paid off, and the past due amount was in fact paid when the first dispute was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Atlantic Recovery Solutions LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
There are several companies trying to collect this debt of {$710.00}. XXXX XXXX XXXX XXXX on my credit report who sold to XXXX XXXX XXXX and Atlantic Recovery Solutions who purchased from XXXX XXXX. XXXX called on XXXX at XXXX went to voicemail, XXXXXXXX XXXX left a message, XXXX I called back left him a voicemail, and XXXX am I answered went off on him. At XXXX XXXX  I called back got the information. Company named XXXX XXXX hired him provided two Texes addresses and an Ohio address my Michigan phone number. At no time did I provide them that number nor any other address outside of Texas. They have my Texas phone number and violated by calling me before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: M&T BANK CORPORATION
State: NY
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:
In XX/XX/2022, our business checking account was debited about {$12000.00} and it was discovered to be a counterfeit check. We were told to come in to meet with XXXX XXXX at our bank, M & T ( assisant mgr? ) and sign an affidavit, which we did. We were told no police report would be filed. Of course, the theft of {$12000.00} is a felony, which was never reported because, to paraphrase, the police have bigger fish to fry. I was shocked by this. We closed the account and moved remaining balance to another account. In XXXX, I made an appt with the bank manager, XXXX XXXX, to find out what the status of the situation was. An effort was made to recover the stolen funds, of which only {$8800.00} was credited back to our account in late XXXX. We were told this was all that XXXX XXXX XXXX offered. This was the bank that cashed the counterfeit check. After a couple more months, I was notified in an email for XXXX XXXX that no additional money could be " recovered and sorry to the bearer of bad news. '' He also asked if I'd filed a police report. Along the way, I was offered fraud protection services, where I pay M & T so that I can do more work everyday to make sure that cashed checks are legit. I opted out. Felt like insult added to injury. I tried to set up alerts so that I would be notified of transactions over a set $ amount, but alerts are not available on my business checking account. When I asked why the remaining money couldn't recovered, I was told there was a window of 48 hours, a very tight time frame, in which M & T is able to return the suspected counterfeit checks for a full recovery. The discovery of this transaction was outside that timeframe. There is so much that happened and was said to me throughout this process that felt unprofessional, if not possibly against regulation or maybe criminal.

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 2022-11-06
Company: Experian Information Solutions Inc.
State: AZ
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

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 2023-05-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On Saturday XXXX XXXX, I had account fraud where someone got access to my bank checking and savings account and wired all of my money away to different accounts. 

I contacted my bank ( Wells Fargo ) and opened a claim regarding the situation immediately, upon their investigation, they denied my claim still leaving me with almost a XXXX balance between both accounts with approximately {$2300.00} taken away, leaving me with XXXX between the two accounts left for me to go by. 

The transactions are : Checking : {$130.00} {$250.00} {$500.00} {$400.00} {$200.00} transferred to my savings. 

Savings : {$100.00} {$400.00} {$250.00} Someone got into my account and even transferred the money to my savings to send it away. 

All transactions were through XXXX with the names being : XXXX XXXX and XXXX XXXX Names that are not on my contacts for XXXX or in my phone. 

I have been a loyal customer of Wells Fargo since XXXX with direct deposit from my work paycheck and having a savings set up. 

Never have I had lower than {$800.00} in my account. 

On XX/XX/XXXX, I reached out to Wells Fargo regarding the investigation, they said that I logged into another device and allowed for it to happen. 

I am now seeking help as like everyone else, I have responsibilities to pay off for my day to day needs and as you can see above, I am not a very wealthy person, only someone trying to get by in life like everyone else.

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 2018-11-28
Company: AES/PHEAA
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/2015 Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without written my instructions. Under 15 UCSC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit report plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S. 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

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 2022-10-10
Company: EQUIFAX, INC.
State: MS
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have requested the three credit bureaus ( XXXX, TransUnion, and XXXX ) investigate numerous inaccuracies on my Consumer Reports. They have not investigated thoroughly and have not corrected my report. I have disputed online and via letter.

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 2022-05-15
Company: United Collection Bureau, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the hospital on XX/XX/2021 which I have gotten a full detail bill on. A charge on XXXX was put in collection on my credit report in late XXXX which I did not know prior till seeing this in my report I never heard of this amount owed. I reached out the the collection agency and they failed to give relative information such as detail billing on the date and the amount charged. I called both my insurance and hospital and they both stated that there was not a charge of XXXX relative on that date or any other date prior or present to that. I received detail bills from both my insurance and the hospital and that charge of XXXX was never on there. I have tried with the collection agency but they have no saying this was me, that have not provided correct information when it comes to billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TD BANK US HOLDING COMPANY
State: PA
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 received an email from a website that I use to keep an eye on my credit. Email stated that a hard inquiry had been posted to my credit report. I knew that I had not applied for any type of credit or loan, so I looked into it. It is dated XX/XX/2023 by TD Bank USA/ Target C. I do not shop at Target, nor do I wish to have a target Credit Card, nor have I ever applied for any type of credit with this company. I can only assume this is either a scam or stolen identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 DEPT OF ED XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
i always have the money in the bank so my payments go thru but for some reason the bank always waits til my funds are low and i have to pay the bank always so i have to pay big bucks to the bank and its hard on me bc i have go get my check and it just goes go the bank bc i owe them which i think its not fair this has been going on since ive opened my account i need this to stop or can anyone help me resolve this 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 explanation
Consumer complaint received 2022-09-16
Company: Army and Air Force Exchange Service
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a exercise bike on XXXX-2021 for {$1600.00} and additional insurance for {$59.00}. I rejected delivery and returned to warehouse and have never laid eyes on this item. I filed a complaint earlier this week and was notified by the company the next day and was refunded only the insurance after being told I would receive full refund. Keep in mind that I have been disputing and trying to get a refund for almost 10 months now. I am still owed {$1600.00}. See complaint ID 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 2017-05-08
Company: NATIONSTAR MORTGAGE LLC
State: IL
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 just wanted to put in a complaint about the hard Inquiries that are affecting my  credit score  I have not given authorization to half of these lenders. Please have them remove From my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX XXXX : XXXX, has violated my rights. 

XXXX5 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