BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Wells Fargo charged overdraft fees and took funds from my account. There is a law suit with Wells Fargo. I have been a member from XXXX to XXXX. I have attached a bank statement to show my account information for the class action law XXXX XXXX 

More than XXXX XXXX people are owed some serious cash from Wells Fargo. If you happened to be a customer of the banking institution during the period of XXXX to XXXX, this could apply to you, according to XXXX. 

The Consumer Financial Protection Bureau filed proceedings against the financial giant for breaking federal consumer protection laws that apply to financial products, and the bank has now finalized a settlement to the tune of {$3.00} billion. In addition to {$1.00} billion that will go towards a victims relief fund, per the CFPB, that leaves {$2.00} billion that is owed in direct payments to the banks customers who may have been subject to erroneous overdraft checking account fees, misapplied payments and foreclosures in regards to mortgages and auto loans. 


Wells Fargo XXXX Account Customers Any customer who was charged incorrect fees may be eligible for the damages payment. This includes anyone who had a surprise overdraft fee for debit card purchases, checks or ATM withdrawals when their account had enough funds to cover the transaction. It also includes anyone who had a monthly fee that shouldnt have been applied. Banking clients may receive up to {$100.00} in damages.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 just recently reviewed a copy of my credit report and noticed a couple of fraudulent accounts that I did not open or authorize. I am a victim of identity theft and need this incorrect information removed from my credit report. It is affecting the way I live and my children. Thank you.

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 2021-05-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Few years ago I paid a debt in full with XXXX systems. Thry stated to me if I pay my whole debt off they would give me a deletion letter and would be taken off my credit report it has not. And it's effecting me and my family from purchasing a new home.

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 2023-11-09
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX  and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Experian Information Solutions Inc.
State: LA
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:
Letters were sent to dispute the public records. In the first attempt, the CRA responded with a generic reply stated that the public records have come back verified. The second attempt no response. I have reached out to the public records vendor and received a letter with letterhead and signature stating that they in fact DO NOT report to the CRA 's. The CRA 's have failed to provide me with original signatures and/or contracts. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the CRA 's are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts the CRA post on a credit report. Otherwise, anyone paying for that reporting services could fax, mail, or email in a fraudulent account.

I have requested to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) the CRA 's have on file of the accounts listed. The CRA 's have yet to positively verify these accounts and this has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the CRA 's are unable to provide me a copy of the verifiable proof, they must remove the accounts listed below.

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 2021-05-13
Company: AXOS FINANCIAL, INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a savings account with Axos Bank a few weeks ago. They had and still have an advertised interest rate for this type of account of 0.61 % APY. In a matter of days they dropped my rate to 0.15 % APY but they are still advertising the same 0.61 % rate on their website and the internet. 

Today is XX/XX/XXXX. I contacted the bank to ask about this and they were aware that their website listed a different interest rate than they were paying me. They said it is a variable interest rate account and it was at the managers discretion that they dropped the rate. Yet they still advertise the higher rate. They would do nothing to address this concern that I raised. I feel they are falsely advertising a higher rate that they initially pay for a few days then do a bait and switch and drop the rate down -- as a means of luring new customers to their bank. The decrease is substantial and way lower than what competitor banks are charging at the same time which today was in the 0.40 % and higher range. 

They had no market basis for their significant drop in rates and still promote the higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 previously notified the bureaus that I am a victim of identity theft. in response to them, I XXXX XXXX do give authorization again, which i already did before.. I am not a third party, I am a victim of identity theft.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-01
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: Their investigation did not fix an error on your report

Complaint:
Once again I discovered that one particular account on my credit report was incorrect when I reviewed it. I sent a letter previously to verify the misleading account and here I m again to complain again in order to verify this account Here is the aforementioned account : XXXX XXXX Balance : {$11000.00}

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: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I enrolled in XXXX rewards program to enroll for my home rent payment in XX/XX/2022. In the recent month, I was notified that a XXXX credit card under Wells Fargo was dispatched/issued to me when I had not applied for such a card. On seeing the app where I go regularly to do my rent payment, I see fraudulent charges done on this card. 2 days ago I received this card physically. Even though I did not apply for this card and the physical card just came in, I see charges on the card done online 10 days back for more than 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 2021-05-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check from Consumer Financial Protection Bureau in the amount of {$770.00} ( Tracking # XXXX ) and deposited it by way of mobile deposit into my USAA checking account. The check was accepted for deposit and funds were made available to me, as I expected. On XX/XX/2021 I logged into my USAA account to see a balance of negative {$770.00}. USAA returned the check I deposited and told me that " XXXX XXXX was not a business ''. I explained to several USAA members that XXXX XXXX is the business involved with the lawsuit payments not the company issuing the check. I was told to " Refer to Maker '', at which time I called the Payment Administrator at CFPB and explained what is happening. I was informed by the administrator that USAA received payment for the check on the XXXX of XXXX, XXXX. 
I have not heard from USAA OR CFPB regarding this. As of today my account is in overdraft for the check issued by Consumer Financial Protection. 
The irony of this is that CFPB is supposed to help consumers against issues like this, however, I called on XX/XX/2021 and was told someone would be reviewing my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 have had issue now for over 4 months with my CapitalOne account. I do not own a phone and have tried to log in to the account they won't let me. I am literally being held XXXX over this. They have actually been spending money not to assist me on this even though I told them I have a XXXX and I do not own a phone they will not work with me. 



I literally have had to over the last 4 months make back and forth trips to the capital one caf just to make payments and I'm getting irritated at this point if not irate!!! I spoke with the manager of the capital one caf Mr. XXXX XXXX back in XXXX and he seemed to want to resolve the issue. He explained to me that he was going to reach out to the escalations team. However, I didnt hear from in over a month. He then responded saying that he was on a leave and that I could make an appointment to speak with him and see what we could to resolve this however it's been a week and I have not heard d back from him. 



They sit here and say were not preventing you from making payments that you can have them mailed. Thats not what this is about folks it's about having the ability to have access to my account. I want to check my transaction history I want to make payments at the convivence of my home and I want access to the rewards that come with my quicksilver card. 



They put me through all that hoop de la garbage just so I could get a new card but refused to allow me access to my account online. Even though capital one has copies of my driver 's license and knows I'm the legitimate card holder I was able to go through the customer service chat and have a card order however when I spoke with them about simply having the rewards that have been accumulating on my account and they said they couldnt do that. 



I dont know what capital one 's deal is when it comes to this, I am under distress from this and im not backing down from this it's been 5 months and I have to have access to my account remotely I have to check my credit wise alerts I have to check my transaction history when needed in a timely basis And I am entitled to my reward on my quicksilver card And you can't tell someone because they dont have the ability or access to a phone that they can't log on to their account This company has some nerve to tell someone they have to go out and get not just a phone but a mobile phone plan that is under my name simply to receive one text message why can't the company just work to resolve this matter I have said it over and over I'm more than willing to provide other means of documentation or verification that I am the legitimate account holder But they will just rubber stamp this spent XXXX dollars to air mail a copy and pasted letter saying were not doing anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a Simple Customer and was transferred to BBVA on XX/XX/XXXX. I did receive correspondence from simple throughout the process and some from BBVA saying it would be a seamless switch. 

On XX/XX/XXXX, their system would not accept simple customers through the link they provided which left me without access to my savings accounts. 

No customer service was provided on XX/XX/XXXX to help with this transition. 

I called on XX/XX/XXXX and was told that customer service could not help me because I had started the switch on their app and the system was down. 

I called back on XX/XX/XXXX and was told that the entire online system was down so I would need to call back. 

I waited until the XXXX to call back hoping that in the week 's time they would have their system in order. I called and the lady I spoke with told me that she would have to get another dept. to call me back, I explained that I was on my lunch for 30 min and needed to take care of this before the weekend. she told me there was nothing she could do. 

I have gone 7 days without having any access to my savings accounts with no clear end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: AVANTE
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AVANTE USA at XXXX XXXX XXXX XXXX XXXX TX XXXX. Has been sending me collection notices in the amount of {$1900.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
In XX/XX/XXXX, I paid off the balance of approximately {$440.00} in full. I did not use the card again and I have been a holder since XX/XX/XXXX. The annual membership fee was added to the card balance in XX/XX/XXXX unbeknownst to me as I don't recall receiving any statements, and Capital One never once called to alert that the account was past due. Instead, Capital One has reported the " annual membership '' amount repeatedly as late for over 120 days as if it was in fact a balance that was incurred through actual charges. Not once, did they have the common courtesy to call me realizing that the only charge on the account was for the membership fee. As a result, CO has closed my account severely impacting my credit resulting in a decrease of almost 47 points. I spoke with several reps today that refused to re-open the account and indicated they reported it correctly a few days ago to reflect a {$0.00} balance. However, an alert to my credit report today ( XX/XX/XXXX ) shows a {$64.00} past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was issued a Bank of America Prepaid Visa card to access my unemployment benefits from Maryland. Every time I tried to use the card Bank of America would put a fraud hold on my card. The last time a very rude BOA employee refused to unblock my card and hung up on me. I ha s contacted BOA repeatedly asking to have the hold removed. BoA states that Maryland Unemployment must remove the hold. I have contacted Maryland multiple times they state there is no hold on my account from them and BoA is to blame. Maryland has sent messages to BoA on multiple occasions confirming there should not be a hold on my account. Last week a supervisor at BoA promised to mail me a check with the balance on my account. This week when I still had not received the check I called back, today the supervisor at BoA stated that the account was still locked and the check was canceled/not processed. I have been trying to resolve this issue for over 18 weeks, BoA is stealing my entitlements and holding them hostage. BoA refuses to provide any assistance.

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 2018-05-14
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This debt was discharged in my chp XXXX and is being reported as being late. This was discharged XX/XX/2017. Did show discharged now showing late.

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 2023-02-03
Company: Experian Information Solutions Inc.
State: NC
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:
Previous complaint # : XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX RE : Updating Personal info/Method of Verification Certified Mail Receipt # XXXX Dear Experian, Pursuant to 1629 ( g ), I am requesting the method of verification for the following verified personal information : This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the personal information shown on my credit report. 

Please delete the following inaccurate names : XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX XXXX not my name ) XXXX XXXX XXXX not my name ) My correct name is listed above in this letter. It should be only one name reporting and again that name is listed above in this letter. Delete these names immediately. 

Please delete the following inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My correct and current address is listed above in this letter. 



Please delete the following inaccurate telephone numbers : XXXX ( not my phone number ) XXXX ( not my phone number ) XXXX ( not my phone number ) Delete these phone numbers immediately Please delete the last 4 digits of SSN : Delete the last 4 digits immediately By reporting these inaccuracies, you are in violation of 15 USC 1681B ( A ) ( 2 ) ; for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151.

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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