BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2023 To Whom It May Concern, Subject : Request for Supplementary Report and Related Personal Information I am writing in accordance with my rights under federal consumer law, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to request a copy of my supplementary credit report and all related information that your agency holds pertaining to me. In addition, I kindly request any security keys, PINs, or other relevant authentication details associated with my information. 
Under the FCRA 's 609, Disclosures to Consumers, the law states : " ( a ) Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request... '' Given the above, I expect your agency to provide me with the requested information in compliance with this regulation. 
Furthermore, I kindly request that all provided information be channeled through the Consumer Financial Protection Bureau ( CFPB ). This is to ensure transparency, accuracy, and adherence to the guidelines that protect consumer rights. 
Your timely attention to this matter is highly anticipated. I expect a response within the 30-day window as specified by the FCRA. If for any reason my request can not be fulfilled entirely within the stipulated timeframe, please inform me at the earliest opportunity with a valid reason and the anticipated date by which I can expect my request to be fully addressed. 
I have enclosed copies of a utility bill and my identification for the purposes of identity verification. I explicitly do not grant permission for my provided information to be added to your database or for any subsequent updates to be made to my personal information using this provided data. 
You may respond to this request by forwarding the requested information to the Consumer Financial Protection Bureau ( CFPB ) or by emailing it directly to me at XXXX Thank you for your cooperation. I trust that your agency will handle this request with the diligence and urgency it requires. 
See enclosures to verify identity. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/19, I closed an account with XXXX XXXX XXXX after being notified of monthly fees that would start with account after qualifications were no longer met for credit for said fees. I followed the instructions/procedures to close the account and prevent said monthly fees to be billed. 

The monthly fees were billed despite my efforts and a late payment has been on record since. I have attempted to resolve the error verbally with XXXX XXXX XXXX by contacting their Customer Service directly and through Experian dispute channels, but no update or acknowledgement has been furnished.

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 2022-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX my checking account was debited twice in the amount of {$100.00} ... Only XXXX of the debits was credited too my credit card. The other debit was never returned too my checking account. Both the Checking account and Credit Card are from the same company, Bank Of America. 

I have spent nearly XXXX months trying to recover a lousy {$100.00} .... 

I have both a copy of my statement for that month, as well as the bill pay statement showing the amounts debited vs. amounts applied too the bill.

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 2018-03-12
Company: TCF NATIONAL BANK
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, My name is XXXX XXXX. I have been a loyal customer of TCF Bank for a year. I am a single mother of XXXX children. I get direct deposit from my employer every two weeks, a child support deposit at least once a month, and a bonus check from my employer once a month as well. I overdraft my bank account two times per month to be able to feed my children, and make it through the week. I am aware that I have to pay a {$37.00} overdraft fee, however when I overdraft my account I am not only charged with ONE overdraft fee but three to four when transactions are pending in which funds were available before I overdrew my account. This time I made a {$340.00} deposit from my employer which I had in the past made a deposit for. I received a receipt from the ATM that shows an available balance of {$540.00}. I then made an online payment online using my debit card in the amount of {$280.00}. I checked my bank account to ensure that the funds were going to be deducted, and saw that my bank account had overdrawn to a negative {$68.00}. I called the bank and was suggested to make a {$68.00} deposit " To prevent a overdraft domino effect. '' I live paycheck to paycheck and do not have {$68.00}. I have asked my employer for the cash to cover that. Which is humiliating after being paid my bonus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The account balance is wrong across all three reports. Please remove inaccurate information from my 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 2023-01-20
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX & XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX XXXXXXXX Balance : {$120.00}

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 explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I open an account years ago and don't remember dates. But i do know i were charged fees from Wells Fargo using debit card and also charged for over draft fees.

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 2022-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I attempted to purchase a service, was asked by the seller to send payment through XXXX, totaling {$300.00}. 

The seller never delivered the service and refused to respond to me when I reached out. 

I filed a dispute with my Bank, Capital One 360. They then denied the dispute, citing XXXX 's terms and conditions which I was un-aware of and did not agree to. 

I was scammed by the seller so the bank and/or XXXX should do something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Advanced Collection Bureau, 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:
There is a collection on my XXXX account in the amount of XXXX XXXX which was placed on my account on XX/XX/2022 for an eviction. This debt is not accurate as of date, and should be expunged. I appeared before a judge on XX/XX/2022 and explained my whole case and situation to them. My case was thoroughly presented to the courts. After undergoing careful deliberation, the judge ruled in favor on XX/XX/2022 to sealing the eviction without objection. This ruling signifies that the eviction was not intended for disclosure or utilization against me, including financial responsibilities. The sealed status renders me exempt from any obligation to settle outstanding dues linked to this matter. Therefore, I respectfully urge you to assess my situation and take the essential measures to eliminate the connected debt from my records. I have reached out to this collection agency multiple times to try to resolve the issue with them. I also provided them with the court ordered document that was obtained from a judge, and they refuse to respect the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: TX
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:
The US Department of Education is reporting multiple charged off student loans on my reports. 

All of the accounts have been deleted from other bureaus, however the remaining bureaus reporting these accounts are reporting inaccurate and inconsistent information. These accounts, US DEPT ED XXXX, US DEPT ED XXXX, are reporting inconsistent last payment dates, active dates and open dates. 

If all bureaus get their information from the same place, how is it that each bureau is reporting something completely different? Surely no real investigations have been completed in receipt of my disputes. It is illegal to report inaccurate information on a consumers reports and they are all in violation. I am demanding that these accounts are deleted from my reports now!

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 2023-08-19
Company: CITIBANK, N.A.
State: CA
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC 's 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 explanation
Consumer complaint received 2022-02-12
Company: Frontline Asset Strategies, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received any written correspondence from Frontline Asset Strategies ( FAS ). I only received phone-calls and was never able to verify the amount owed, when the debt was acquired, and what my options were. 

I spoke with XXXX on XX/XX/XXXX and made a payment in full of {$420.00} cents. I have reached out to FAS six times via email requesting the receipt and letter stating that this account is paid in full and closed, but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was a victim of fraud with bank of America and a company XXXX they do transaction with. I received a text message XXXX from the bank that stated a transaction was going through that I didnt approve and I sent a text back saying no I didnt approve the transaction. As soon as I pressed no a Bank of America representative called me. And made me transfer money using XXXX in an amount over {$3000.00} When I called to the next day to follow up with the transaction the Bank of America representative told me it wasnt them that called. The phone number that I received the call from was the exact number on my atm card. The bank investigated and denial my claim and will not be returning my money. My text messaged stated it was from Bank of America and the phone number that called me also was Bank of America

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 2022-12-23
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have had a Chime account for a few months. My paycheck is direct deposited into this account. I accidentally logged myself off of the app last week. I also have a new phone number from when I opened the account. I tried to retrieve my password and they locked my account. I have been communicating with them for 6 days. I have uploaded documents they requested and they still refuse to unlock my account. That is my only money source and XXXX is in 3 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2023 and XX/XX/2023 I contacted XXXX via correspondence by mail to remove XXXX XXXX, Wellsfargo and XXXX XXXX XXXX XXXX off my Credit Report. I have contacted each company twice by a formal letter and over 10 times for each company via phone. I was a victim of identity theft and also provided all documents each company requested ; including the identity theft reports. I have provided the burden of proof numerous times and nothing has been done. As a result, I was released from my job do to these reporting on my credit and have been denied for 2 jobs. I am a XXXX in the XXXX XXXX. I have been denied for 3 homes for my family and myself. Law.states : As per the Fair Credit Reporting Act, Section 609 ( a1 ) ( A ), it is required by federal law to physically verify the original signed consumer contract for any accounts posted on a credit report This verification process is essential to prevent fraudulent accounts from being included in the reports. especially since individuals pay for these reporting services I have demanded multiple times to see verifiable proof ( i.e. : an original consumer contract with my signature on it ). Not one of these companies have complied and sent proof. This is my last attempt to demand these accounts are removed. If not, I will be suing each company and each credit burea seeking maximum 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 non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: FL
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:
Hey it has come to my attention Experian reported transactions on my consumer report DEPT OF ED/XXXX ( XXXX ) and XXXX XXXX , so according to the fcra 15usc 1681a 2 a1 like in paragraph 3, the consumer report does not include reports containing information solely as to transactions, is excluded from the consumer report DELETE THIS TRANSACTION HISTORY FROM THE CONSUMER REPORT, or delete the late payment or items marked as late from my consumer 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 2019-08-01
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a direct deposit made on XX/XX/XXXX for $XXXX. The morning of XX/XX/XXXX, I used my debit card for miscellaneous items and I made a $XXXX cash withdrawal at a PNC bank branch. PNC bank froze the deposit sometime before XXXX XX/XX/XXXX. At a separate branch, I was told the funds wouldn’t actually be released until XX/XX/XXXX. On XX/XX/XXXX the funds were not released. After speaking with several different representatives on the phone, I was told: 1) the fraud department froze it 2) the funds are being held for verification that would take 5-7 days even though it was a direct deposit 3) that the check that was deposited was not endorsed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Mortgage fraud is multi-billion dollar criminal activities that creates significant negative financial bearing on homeowners, devastates family, hurts communities, can destroy a business and adds a great impact on the national economy. 
Federal, state and local law enforcement officers are on the front lines in the battle to protect their communities from fraud and scams. They identify, investigate and prosecute. 
What is Mortgage Fraud? ( e.g., purchase, refinance, modification ) Act of inducing a loan though means which involve either implied or expressed deceit, i.e. Material misstatement, misrepresentation, or omission of information relied upon by an underwriter or lender to fund, purchase, or insure a loan. It Involves the entire process of obtaining a residential mortgage, including solicitation, application, origination, negotiation of terms, third-party provider services, underwriting, signing and closing, funding of the loan and mortgage loan purchase from a XXXX XXXX XXXX I purchased my home with XXXX Mortgage XXXX XXXX have now found out that multiple violations occurred from the inception of our loan. In a third audit it was disclosed that multiple variance of TILA has been violated and that MERS was never an entity involved with the loan also that my VA XXXX XXXX was not placed into the XXXX XXXX XXXX XXXX until XXXX. There were only XXXX assignments out of the XXXX banks involved .We are facing another Foreclosure on XX/XX/XXXX and we have not received any assignments since the assignment of BOFA XXXX XXXX XXXX XXXX XXXX have had XXXX audits done by XXXX different entities and they each declare FRAUDULENT ACTIVITY. The court records have disclosed that XXXX Mortgage XXXX is the now the lender yet we have not received any notification.We have sent over XXXX request from CFPB alone and there was no satisfaction because it feels as if the information was just passed forward .Therefore I will keep pushing forward until Someone READS my concerns from my AUDITS

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