BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA compass bank closed the account. I have an account with compass bank and they closed with no explanation. I went to the branch and the branch manager as well as I never got an answer from the back office why the account was blocked. We spoke with the security department. Every one keeps passing it over to the next person. XXXX XXXX the manager would never take the call. XXXX XXXX kept lying and passing the ball off and XXXX XXXX put the block on but would never give a reason why there was a block. I spent 2 hours at the branch. The branch was real nice. They couldn't get any answers as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: SC
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: In progress
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely UPDATED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2020-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America repeatedly refused to take my payment for my credit card. They said they were entirely unable to resolve the problem ; I spent many hours trying to solve it with them over more than a month, speaking to countless representatives and managers. 
The only resolution was closing my card, which had a strongly negative impact on my credit, as my oldest line of credit. This was very unfair.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Wellsfargo when I started struggling to pay my mortgage. I asked for help with the {$1100.00} plus a month in a neighborhood, where houses where not worth half of that. ( truth ) They suggested that I modify or at least try. They denied modification after all that and I continued to struggle to pay payments until I could no longer afford to keep the house after 30 years when it should have been paid for. So I had to pack up my stuff and move from my home of thirty years. The sheriff was notified that I had to be off the property. Wellsfargo took thousands of dollars from me because I didn't know any better. All of this took place from XX/XX/XXXX to XX/XX/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 2022-03-22
Company: Midwest Fidelity Services, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-08-02
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was lured to opening an account because you could get {$25.00} off your first purchase, I was approved for {$1200.00} which I was happy about because I had been working to improve my credit and that validated I was doing a good job. I used that card I think I had a a {$400.00} something dollar balance I had gotten a bonus from work and decided I would go ahead and pay it off. After I ended up using the card two more times then did a return on one of the items, then went back to try and find something else on another day XX/XX/20 to be exact, when I went to check out the card kept declining, I was very embarrassed and asked if I could step aside and call them because I should have way more then enough to cover. Well when I call I am told that the account was closed on the XXXX, when I asked why she said that XXXX advised them to close the account because I had a lot of new inquiries I was like that is crazy, I was approved for the card through Comenity Bank. The representative told me to call XXXX   which I did three times and all 3 times they told me they do not do that, they don't notify companies after the card is approved, and that this particular account was in good standing and they were not even showing it closed so I called the bank back and they told me the same story but told me I could apply again in 30 days. This seems very unfair to the consumer, I was in great standing with the account made payments on time. paid balance in full, I mean what more do they want? So now if I want to apply again I have to take another hard inquiry on my credit. Once you are approved for a card and you keep it in good standing they shouldn't be able to close the account under false pretenses, this is why people are struggling with credit because they ae being railroaded by the credit companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I booked my familys first travel ever to XXXX ( XXXX ) through chase rewards on XX/XX/2023. Travel details XX/XX/XXXX XXXX  to XXXX to XXXX ; returning XX/XX/XXXX XXXX to XXXX to XXXX. On XX/XX/2023 we checked in and got our boarding pass for both flights and flew out of XXXX. At XXXX they did not let us board plane to XXXX due to husbands passport expires XX/XX/2023. I had to spend {$3000.00} to come back home next day, plus food and {$400.00} stay at yotel to get some rest. The stress and XXXX  toll that this took on my kids has no price. I trusted airport airline personnel and feel we were purposely admitted to board so they can make more money out of us. 

I feel I trusted my credit card with this important decision and they did not tell me either. No one wants to take responsibility for the extra money I had to spend due to this ordeal. Chase representative keeps telling me they understand but do they really? This is a one in a lifetime trip for a working family like mine n dont have the extra money to spend it unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
Experian conspired with several companies to unlawfully report inquires that wasn't authorized by me ; 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: In progress
Consumer complaint received 2023-03-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
During XX/XX/XXXX, to XX/XX/XXXX, JP Morgan Chase has illegally transferred total of {$8800.00} from our Chase accounts to unknown accounts created by Chase using their XXXX fund transfer device, partially owned by JP Morgan Chase. Attached public information of Chase ownership of XXXX. We did not authorize any of these fund transfers. 

Chase has denied any responsibility for these un-authorized and illegal fund transfers from my account. 

We used Chase on -line fund transfer application XXXX to transfer funds to our employees and contractors. 

To access the Chase on-line site weused our home computer located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Security pre-cautions for our home computer : 1. Our home computer is secured in my home.

2. This computer is password protected 3. We have never saved or stored our Chase on-line log-in Passwords in home computer 4. We have never shared our Chase on-line log-in credentials with anybody else We suspect JP Morgan Chase has fabricated these un-authorized transfer of my funds from my account. 
We request help from CFPB to recover our funds from JP Morgan Chase. 

We have submitted claims with JPMorgan Chase through phone numbers provided on the following JPMorgan Chase officers contacts at our JPMorgan Chase Branch : XXXX XXXX XXXX, Vice President, Branch Manager, NMLS ID : XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone Numbers XXXX, XXXX JPMorgan Chase calls almost all the time will go call centers in XXXX and XXXX, and the employees at these call centers will never give any contact identification information, and will ask for account numbers even to take phone calls. 

Chase has denied any responsibility for these un-authorized and illegal fund transfers from my account, and refused to return our funds. Our requests for written denial letters have been declined so far. 

XXXX XXXX XXXX XXXX is a United Statesbased digital payments network owned by XXXX XXXX XXXX XXXX XXXX, a private financial services company owned by the banks XXXX XXXX  XXXX, XXXX, XXXX XXXX, JPMorgan Chase, XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX. XXXX Customer service : XXXX ( XXXX ) XXXX Weekly limit : {$500.00} zellepay.com Parent : XXXX XXXX XXXX XXXX XXXX Founded : XXXX Headquarters location : XXXX, AZ Number of employees : XXXX ( est. XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Avant Holding Company, Inc.
State: NJ
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 am submitting this complaint without any influence and without any third party. On XX/XX/2023 at XXXX I faxed my letter ( see attached document labeled AVANT LETTER OPT OUT ) to Avant requesting proof that Avant followed the conditions required by the Gramm-Leach-Bliley Act to respect my privacy and protect my nonpublic personal information and notifying that I am exercising my right to opt out of credit reporting since they failed to do so. Avant responded by email ( see attached document labeled AVANT XXXX ) and did not address my concerns nor did AvanXXXX provide any proof of following the conditions required by the Gramm-Leach-Bliley Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, 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 have submitted multiple disputes to have an account by XXXX XXXX XXXX removed from my Equifax credit report. The company reporting the debt has provided AUD tracking number XXXX and confirmation from the Equifax XXXX tool that this account was removed from my credit report. Equifax has failed to remove to item and is the only CRA to not comply with the deletion request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX Original complaint This process is still going on with no resolution in site. Freedom Mortgage is now asking us to pay a rate extension which according to company response they were totally responsible for issues and will extend the rate. No one at Freedom can give us an answer all we get is the run around. Everyone you speak to gives a different story but no one can get this refinance closed We owe them no documents so if they respond they are missing items it is bogus. 

There initial response waiting on income verification was bogus as this process is still on going and now they want us to pay a rate extension. This was always about changing the rate on us.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: MD
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:
This is my 21st 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

Company response to consumer: In progress
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXX XXXX. XXXX ' Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2018-11-07
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:
XXXX XXXX  XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX XXXX : Credit Card Fraud To Whom It May Concern : I am writing this letter to file a complaint against Capital One. On XX/XX/2018, two fraudulent charges were placed on my account in the amounts of {$2900.00} and {$32.00} from a company called XXXX. I did not authorize any such charges, thus subsequently contacted the company to dispute both transactions. I sent them a copy of my drivers license to show proof of my signature as well a copy of the police report I filed, however they refuse to issue a credit. 

Enclosed you will find copies of relevant documents, including letters from Capital One, my letter of complaint to Capital One, and the police report I filed. I respectfully request that you intervene on my behalf since this company is violating their {$0.00} fraud liability promise and will not refund me my money. 

If you have any questions about my complaint, you may contact me at ( XXXX ) XXXX or via email at XXXX. If we can not resolve this issue, my final option will be to pursue legal action. 

Sincerely, XXXX XXXX XXXX cc : Attorney General Better Business Bureau XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Code title 15 sub-section 16.11 false and misleading information on my unlimited credit I am being denied credit on my unlimited 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 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit 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:
My Walmart charge card keeps posting charges then uses these same charges as a pending hold as well. So my card shows XXXX charges. XXXX that has completed & XXXX that is pending in the same amount. They refuse to release the hold on the day the charge was completed & hold the amount as a pending hold for XXXX business days. They are also saying I have no credit limit left when the balance shows there is credit available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TD BANK US HOLDING COMPANY
State: NY
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 would like to make a complaint against TD Bank. XXXX of XXXX I was in the overdraft of - {$4.00} and I could not make it to the bank month of XXXX I had COVID on XX/XX/XXXX and still had covid XXXX more weeks in XXXX. On XX/XX/XXXX I went on my web banking that day and it says I could make arrenments with TD Bank, my mother that day went to the bank in XXXX XXXX NY and deposit {$55.00} in my account and it was kept open. 

Today XX/XX/XXXX I got my statement and it says that TD Bank closed my account on XX/XX/XXXX the day my mother deposited {$55.00} in my account and I login to my account today and the account has been closed. I called their recovery Dept and all they want me to do is enter the ext number of the person I am trying contact. 

I am very upset that TD Bank did this to me why would they closed my account after my mother deposited {$55.00} in my account, did TD bank wanted me come into their branch while having COVID and spread it to other people? It is by law that if I have or had XXXX and could not make it into a branch or make payment they have to waive it. I could not call TD Bank month of XXXX I had wicked coughing attacks did they want me to cough in their ear over the phone? I was very sick that I oh most went to the ER. 

This is not first time I ran into problems at TD Bank I gave my mom my debt card/ATM Card so she can put money into my account and she has been for XXXX years no problem depositing money into my account at the teller. XXXX day last fall the new bank XXXX in XXXX XXXX screamed at my mother for having my card and the bank XXXX screamed where everyone in the place could hear her and she threaten my mom she could go jail because its federal law. First all if I gave my mom permission to use the card it is not crime. When I talked to this bank XXXX over phone she was very rude to me. 

Now I am running into another problem at TD Bank with my account being closed.

Company response to consumer: Closed with monetary relief