BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I deposited a check at Wells Fargo for {$15000.00}. The receipt I was given stated that a portion of it would be available the next day, on XX/XX/2023, and the remainder would be available on XX/XX/2023. The funds were not available the next day. I contact Wells Fargo, which claimed that I would need to contact the business that wrote the check. Eventually, I spoke to Wells Fargo with a representative from the business 's accounts department on the line. Though the business was able to confirm that they had written the check and that the money had been removed from their account, the Wells Fargo representatives insisted that it could not be attempted again until XX/XX/2023 at the earliest, and that I would receive the funds no sooner than XX/XX/2023. The inability or unwillingness of Wells Fargo to attempt to rectify this situation, even with the cooperation of the other side of this transaction, is disturbing to me, as they also were unable to return the check to be cashed elsewhere.

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 2023-03-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Comenity Bank, XXXX, VA- issuer of a store ( XXXX XXXX ) credit card - keeps on charging me interest and compounding it on a XXXX balance credit card that I have paid off and asked them to close. Please see the last two statements that show the card completely paid off and the compound interest charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: RENASANT CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a checking account with renasant bank. When I opened the account I was told to opt out in order that my debit card would be declined if I tried to use it and I had insufficient funds to cover a transaction ; however I was not told that I needed to sign a form requesting that checks, bank drafts or other payments be rejected for insufficient funds. So in one year I have paid over {$2000.00} in overdraft charges because they paid all transactions regardless if the money was available or not! In one week alone I paid 6 overdraft charges of {$35.00} each! I am disabled and live on a fixed income! My husband and me have had to deal with this everyday almost the entire time weve had this account! Weve called, and recently were told that we needed to sign a form in order to stop items being paid to avoid more overdraft fees! But it continues! Now because of their excessive overdraft charges they refuse to cash or deposit an insurance check made out to my husband and me for a claim we filed when my husband had a car wreck! They have financially ruined us and I wont stop until they are held accountable and we are reimbursed for these fees! This has to be made illegal! Also often times we would make a deposit the same day as a transaction came thru and they would claim it beat our deposit! So guess what! Another overdraft fee! This bank is in XXXX Mississippi XXXX. I will find a lawyer to hold them accountable

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 2023-05-31
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my account on or around XX/XX/XXXX. The promotional offer ( XXXX ) was successfully attached to my account. I received the requisite {$500.00} payroll deposits ( 2 of them ). However, when I withdrew my balance entirely to cover a bill, it seems that deemed me ineligible for the offer and that my account can't be checked for re-eligibility even though I now have a positive balance of {$500.00}.

In the offer details, it does not state anywhere that an account can not be checked for eligibility. It simply states : Earn {$400.00} for opening a new Truist One Checking account from XX/XX/XXXX through XX/XX/XXXX and completing at least 2 qualifying Direct Deposits* totaling {$1000.00} or more within 90 days of account opening.

I have also not met any of the qualifications for account forfeiture as deemed in the offer : Reward forfeiture will occur if : ( 1 ) the checking account is changed to an account type not included in this client offer, ( 2 ) the checking account is closed prior to the reward being processed, or ( 3 ) the new checking account has a negative available balance at the time of qualification validation.

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending you this CFPB complaint right now to ask you to quickly delete the disputed bogus accounts and information from my credit file. Numerous illegal inquiries as well as some inaccurate account and information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC using File Numbers # XXXX and # XXXX. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Here is a list of accounts you ought to have deleted long ago : 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 XXXX XXXX XXXX XXXX XXXX XXXX. You have been saying that these accounts are mine, but you haven't sent me the proof you need to back up your assertions. The contested accounts should have been immediately deleted if these papers hadn't been provided.

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 2021-08-12
Company: Chime Financial Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Trying to open a chime account. Company states that there is no credit check. I went through all the steps so they collected my data including my social security number. Upon trying to log in they deny my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to dispute inquiries along with inaccuracies with XXXX. I will be providing the necessary documents to finally close this dispute out.

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 2023-06-08
Company: ADP Inc.
State: OH
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:
I live in Ohio and I was saving my money on my bank card through the company I work for. It was a Wisely bank card. I never used the money. I gave the card to my grandparents to hold for me so I could save and get my own apartment, Im living with my grandparents.The only time I used my card was for insurance on my car which was done by phone. I went to withdraw some money and It said I only had x amount left. I had saved almost XXXX XXXX on my card before my insurance. After looking at my account, I seen that I had numerous charges to a XXXX XXXX XXXX Arkansas XXXX I've never been to Arkansas. I seen numerous others having same problem. I contacted Wisely they said they see no fraudulent actions and I had to write a letter to send to Wisely bank in California to dispute their decision. My friend who works at same place using same card got ripped off from same XXXX XXXX got reimbursed but they will not reimburse me? Now Im locked out of my account and only have a few screen shots of some of the transactions. Which Im glad I have at least that, but they are saying it was only XXXX, amount, but thats almost a XXXX off. Can you help me? Most of the transactions are in XXXX and a few in XXXX, all to the XXXX in XXXX. XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX on this day ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, two on this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
So many hackers to my account no cash rewards to credit card

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 2023-05-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On Tuesday XXXX XXXX, XXXX I tried logging into my chase bank account and saw that my account was locked due to suspicious activity, I immediately called and talked with chase and was asked to give a number to verify a check I had deposited into my account, I gave the number and was told to call back. I called back the next day Wednesday XXXX, and was told again to call back another time with no explanation, I then kept calling everyday ( only to be told to call back every time, receiving no help or information ) I kept calling leading up to Tuesday XX/XX/XXXX when I called and was told that my account was closed because the check could not be verified with the number I provided, at no point before my account being closed was I informed that the number wasnt verified even though I had called every day. I was also told that I would not be able to open an account with chase ever again. My check was completely valid, and had I been told any of the previous times I called I would have provided a different number and the issue could have been resolved. I feel like I got XXXX help or care from chase and was unfairly banned from their banking network. ( JP Morgan ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
national credit system this is on my credit report for XXXX this is not my account reporting on XX/XX/2023 XXXX XXXX XXXX this is not on my credit report for XXXX this is not my account reporting XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I sent your company a dispute letter on XX/XX/2022, but I haven't got any response from them nor have they updated my report. I am well aware that the FCRA are requiring the CRA 's response within 30 days so this time I am seeking help from CFPB, XXXX, and the Office of the 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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 account list below 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 XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX 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 an 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 or 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
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These credit bureaus continue to ignore my written request for disputes and there are " errors '' with their web applications that keep me from filing online. 
When I call in I get transferred, put on infinite hold, disconnected, or the run-around. 
There is incorrect information repeatedly reported regardless of the proof I send of payment, etc. 
I have been unable to get a mortgage and have an astronomical interest rate on my vehicle due to this and no resolution for YEARS.

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 2021-08-12
Company: Verisk Analytics Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To Whom It May Concern : I contacted this company and asked them to furnish my consumer report, I was rudely told " No '' that the FDCPA does not apply to there organization. I am bewildered with anger no this is not the law. The company is furnishing TransUnion with information that infringes on my consumer rights. It is inaccurate reporting. XXXX is claiming I have 2 bankruptcies on XXXX being a chapter XXXX and the other a chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Chase checking account back in XX/XX/2023. Right after the account was opened, I made a mobile check deposit of {$3000.00} to this account on XX/XX/2023. A couple days later, I received the letter from Chase saying that they need to verify the maker of this check. I called the number indicated in the letter and told them that I want them to verify the maker of this check. They asked for my company 's name and asked me to provide them the official business phone number of my company. I provided a couple of numbers I found and they told me that based on the records in THEIR SYSTEM, the numbers were incorrect. So I told them that I would verify with my Payroll department and call them back. A couple days later, I called Chase back and told them that I got the correct check verification numbers from my Payroll department. When I asked Chase to make calls to these correct numbers I gave them, again they told me that the numbers are not the right numbers based on THEIR records. That's when I realised that Chase DID NOT keep their system updated and Chase does not have the correct numbers in their system. By this time, Chase had already swept the money to their Central Authorization Team and closed my checking account. In the meanwhile, there was nothing my company could do to stop pay this check. Thereafter, I also went to the branch office and see if they could help. They also ended up calling the number and I got the same answer from Chase. There is nothing they can do. They can't verify the check, so they can't give my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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  Balance : {$820.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$57.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/XXXX I filled fraudulent transactions on my account in which moneys were taken out of my account without my authorization over the amount of 2000, i have provided documentation s and have cooperated with B of A in which have not been recompensed. They claim that I have been with them for over 14 years when in reality i have not. I filed a police report and pressed charges against XXXX XXXXXXXX XXXX XXXX XXXX  doesnt speak to me anymore and i still have not received anything

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 2022-11-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Sent Right of Rescission , Affidavit of Truth, Affidavit of Truth that All Accounts are Paid In Full, & Credit Card Prepaid on the XXXX of XXXX, on the XX/XX/XXXX it was delivered. Auto Loan current balance of {$18000.00}. XXXX XXXX XXXXXXXX current balance of {$2000.00}. I've been sent back how its still my obligation to pay this fictitious debt & Fraudulent loan constantly being harassed for a Bill, demand of payment that can't be made due to the fact there is no real money in circulation with which to pay. Although I stated I've accepted for value and returned for value to the sender extinguished due to the fact that the only money you have to extinguish a " debt '' with is your credit - the constitutional credit of the United States- your mutual offset credit exemption exchange.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with explanation