BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Since I've had this card with Capital One Quicksilver, I have always made multiple daily purchases and multiple monthly payments. 3 weeks ago, I found that I had no availability to use the card and I called the company, and they insisted that because I make frequent payments, they needed me to get on the phone with them while they spoke to my bank to verify that I am the owner of my own bank account. Once this was done, they opened my credit back up to me. Since that time, I have not changed my spending patterns and I continue to make frequent payments. On the XXXX of XXXX, I made a payment of {$3200.00} on my account and since that time, my purchases have been denied due to " no credit available ''. My balance is only 1/3 of my credit limit. I called and spoke with " XXXX '' who said that my payment of XX/XX/XXXX ( it posted on the XXXX and went through my bank on the XXXX ) was " on-hold '' until XX/XX/XXXX, because Capital One wanted to be sure that my payment was good and not returned to them. I stated that this was absurd because my payments have never been returned and asked him why all of a sudden, they would do this. he was unable to provide me with any information and I asked to speak with his supervisor. He connected me to " XXXX '' who stated she was a supervisor and I asked there the same question. She stated that Capital One sometimes does this when there is a change in spending patterns or payments. I stated that she could look at my account and see that there had been no such changes. She then said, that sometimes Capital One would place an account on hold just to be sure the payment is not returned. She then said in the future, I should make sure that my payments are good and that I am not late with my payments. I said again, that is outrageous since I've never had a late payment with them, nor have I ever had a payment returned to them. She said that " honestly, Capital One will do this for multiple reasons, but we don't have access to these reasons. '' I said fine, then connect me with the person who does have access. She said I can't do that. I said you must be able to connect me with the person/department that makes these decisions. She said, no, these decisions are made in the back office and there is no way to contact them. She then continued to read from a script and would not stop talking from this script about how federal law allows Capital One to put holds on accounts. I tried to talk over her, but she would not stop reading from her script, to say that I understand they are allowed to do it. However, they are NOT allowed to avoid giving me a specific reason. Truthfully, I don't need this credit card. It is the principle of the matter- you can not do something that can harm my credit or good standing with no specific explanation. Can you please help me??? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I used my XXXX card from wells fargo to pay my rent, the credit limit was higher than the payment amount, for XXXX and XXXX payment it both bounces back and XXXX did not resolve my issue, and occured me XXXX dollars of fee for these XXXX transactions

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 2023-10-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime bank has let XXXXXXXX XXXX take money out of my account Checking account XX/XX/XXXX XXXX XXXX XXXX and Credit account XX/XX/XXXX XXXX XXXX XXXX a total of {$3200.00}. 

I disputed these charges XX/XX/XXXX so chime close my account XX/XX/XXXX .I have direct deposit from Social Security Chime tell me I have to wait 30 days to mail me a check I can't wait 30 days .rent, phone and lights are due If I would of lost a debit card chime would sent another 2 to 3 business days.Chime has treated me like I'm the criminal instead of the victim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX shows a hard inquiry on my credit report on XXXX and that is incorrect. I only ran my credit on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: NC
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2021-07-27
Company: EQUIFAX, INC.
State: CA
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:
I have called the 3 credit reporting agencies multiple times, XXXX, Equifax, XXXX  to please correct the personal information on my account. The have not corrected the inaccurate information they are reporting.

I have called and spoken to several representatives and supervisor and they have not yet corrected my personal information.

I called on XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: Bread Financial Holdings, Inc.
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am disputing a deceptive finance charge associated with my XXXX XXXX credit card. Comenity Bank claims the due date for the final payment was three weeks earlier than the other 11 months of payments because it was based on the purchase date. This is in direct contradiction to what I was told by the sales associate at the time of purchase. The sales associate stated that my payments would be due at the end of each month. Despite paying all of my payments by the due date of the XXXX of each month I was assessed a finance charge for all 12 months of interest exceeding {$600.00}. I have tried to resolve the dispute with the bank but the customer service representative told me I would have to dispute the charge with the credit bureau in order to get the bank to respond. The banks practice is unfair and deceptive and therefore I am disputing the finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
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:
Hello, On XX/XX/XXXX or XX/XX/XXXX I visited my local PNC Branch at XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX in order to close my account. I do not know the specific date as I receive no official documentation about my account closure. 

During this transaction, the teller verified my information, took my debit card, and informed me that my accounts are closed. 

It turns out that behind my back, they only closed 2 out of 3 accounts I had with them. My main checking account remained open. 

I learned this fact because throughout XXXX transactions were still hitting that account and PNC has been charging me Over Draft fees for each instance this happened. I was always quick to remedy these charges. 

The most recent overdraft fee was a result of a transaction on XX/XX/XXXX for {$91.00} and one on XX/XX/XXXX for {$20.00}. The first resulted in a balance of - {$89.00} Since I assumed the account was absolutely closed, I did not monitor the online account on a daily basis, and I received an email towards the evening when I was not able to make it to a PNC bank to rectify the situation in person and did not even have a debit card to do so at an ATM. 

I ran through my options to try to fix the account and decided to do a direct money transfer from my new account to the PNC account. 

The first transfer was initiated on XX/XX/XXXX for an amount of {$89.00} to bring it back to XXXX. 

The next day the {$20.00} transaction hit my old account and I immediately initiated a transfer for the amount on XX/XX/XXXX. 

Therefore *I had transferred the funds the, same day they hit the PNC account*. 

The funds ended up posting on XX/XX/XXXX and XX/XX/XXXX, resulting in 2 {$36.00} overdraft fees. 

I talked to a woman named XXXX from the Escalated Fee Department and her subordinate and they were not able to understand my situation and were not able to reverse the overdraft fees. 

I am feeling like I basically got defrauded when my account was not closed. After 8 years with PNC, I see how they really treat their customers. 

My argument is the following : 1 ) PNC did NOT close my account when I asked them to close my account -- they took my debit card and cut it up, but did not close the account when it was zereoed out. 

2 ) This lead to me assuming that the account was closed. I had a reasonable expectation that transactions would simply be declined because the account is not open anymore. 

3 ) Though they didn't close my account, I still made the account whole when necessary 4 ) When I realized that the transactions in question occurred, I initiated the transfer from my new Bank ( XXXX XXXX ) assuming it would get there in time to cover the transactions 5 ) I did my due diligence while PNC Bank simply lied when they told me my account was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Dovenmuehle Mortgage, Inc.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Good day, Back in XX/XX/2022 I was a few day late on my mortgage bill, but I have spoke to the company and we worked out a solution. They referred me to HUD and I applied for texashomeowner assistance. During the process I was in communication with them. I have spoken to a few agents and also supervisors regarding my loan and they assured me that since I'm was on an active loss mitigation that my credit would not be compromised. I explained to the company that I am XXXX XXXX and my security clearance may be taken away if my credit score drops. That when a supervisor stepped in and mention I should be fine. Therefore taking their word I trusted the company. I was still paying my monthly bill as agreed While on loss mitigation, Texas homeowner assistance was approved by the state and they paid over {$5000.00}. With that payment my account was up to date then it was transferred to a different company. I again called the loss mitigation department to insure that my credit reporting was not compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I have mailed letters and I have also made phone calls and they do not seem to want to abide by the Law. The FCRA states that legally any unverified or unauthorized items must be removed. 
XXXX  Shows XXXX XXXX entry XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - US SM BUS Admin XX/XX/XXXX ( I even reported fraud to them ) XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - Screening XXXX XX/XX/XXXX Transunion Shows XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX which has reached its two expiration as well - XXXX XXXX  XXXX  Show XXXX XXXX XXXX XX/XX/XXXX and that has reached two year expiration as well. 
I respectfully ask that these entries be removed immediately from my credit report. 

I also ask that the following addresses are removed immediately XXXX XXXX XXXX XXXX Missouri XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove the following employments XXXX XXXX XXXX XXXX  XXXX XXXX I thank you in advance for your prompt response to this situation

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 2021-07-27
Company: ProCollect, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX and I do not have a contract with PRO COLLECT plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1200.00} I demand this account to be deleted on 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 2023-10-25
Company: WSFS FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This account was opened when child was XXXX. He admitted to the crime. I had no involvement. XXXX XXXX would like to be100 % responsible. The bank is trying to get me to pay back crime money because I have good credit.

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 2023-04-13
Company: EQUIFAX, INC.
State: MO
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 am writing to bring to your attention an issue I have encountered with my credit report. Recently, I discovered that there was a fraudulent account on my credit report that was affecting my credit score. I followed the proper procedures and reported the fraud to you, and you removed the account from my credit report. 

However, I recently checked my credit report again and was shocked to see that the fraudulent account had been added back onto my credit report. This has caused me significant distress for me, and I am writing to request that you remove the account from my credit report once again. 

Additionally, under section 1681i of the FCRA, consumers have the right to dispute any information they believe is inaccurate or incomplete in their credit report. If the credit reporting agency can not verify the accuracy of the information in dispute, it must be deleted or corrected. This may include delinquent accounts that are no longer accurate or valid. 

It's important to note that credit reporting agencies are required to follow specific procedures and timelines when investigating disputes and updating credit reports. If you believe that a credit reporting agency has not followed the proper procedures in handling your dispute, you may have legal options to pursue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and I do not have a contract with PORTFOLIO RC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$160.00} I demand this account to be deleted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: EQUIFAX, INC.
State: AL
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:
In the past three months i have disputed information on my equifax report. A fraudulent account was opened through XXXX and money was taken out of my personal bank account. After disputing through my financial institution and XXXX both agreed the account wasn't mine and blocked access/removed fraudulent information from my credit report. Equifax is the only company that disagrees and will not remove the information that is damaging my credit score. 
I have never had an account with XXXX or XXXX XXXX. When i disputed the account with XXXX   they could not find an account with my name or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: NC
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:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Dave Operating, LLC
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dave Banking through XXXX Bank XXXX XXXX XXXX accessed my account information and made multiple charges in XXXX, SC and online. Once I noticed this happened, I contacted my bank, XXXX through XXXX Bank and XXXX and reported these fraudulent charges. I formally disputed these charges. They cancelled both my physical card and virtual card. I even froze my new cards through their app. Money kept being stolen. Per their Fraud department a provisional credit would be issued in XXXX business days. Instead of this, they closed my account and havent settled these disputes. I now will have to wait up to XXXX days for the judgement by them. Why would they judge in my favor if I dont have an account. I have no way of reaching them directly because I'm no longer an account holder. 

The fraudulent charges were made on XX/XX/23 : 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 I called my bank on XX/XX/23 at XXXX am to report these fraud charges and request new chards. They closed my account on XXXX and have provided no updated information in regards to these disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
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 have multiple unauthorized inquiries on my Equifax credit report. I have attempted, telephonically to get Equifax to investigate these inquiries and requested them to be removed. I did not authorize the following inquiries : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX, XXXX A XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have also attemptrd to reach out to these companies ( per Equifax 's advise ) and wad rerouted back to Equifax by these companies. I am requesting that these inquiries be removed.

Company response to consumer: Closed with explanation