BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was automatically sent a new Debit Card by the system since mine was expiring. However, Capital One 's system didn't put my Apartment Number, so it was lost/returned to sender. I called and when speaking to the agent, said they would be happy to send me another one. Cool stuff. 

However, when I authorized them to send me another one, they failed to mention that my current card would be terminated. After multiple phone calls and speaking to a supervisor, they could do nothing about the situation. 

This is an upheaval of my life. I am a XXXX XXXX XXXX who drives 10 hours a day Tuesday through Sunday from XXXX to XXXX, XXXX to XXXX on Mondays with an hour for lunch from XXXX to XXXX and I have to eat due to my XXXX XXXX XXXX and other medical problems I currently have. I rely on my debit card to get gas at any given times because of my job. Unfortunately carrying cash puts me at risk for bodily injury as it is never advised to carry cash as a XXXX XXXX unless absolutely necessary. XXXX does not ask us to ever carry cash. 

I could not access my money since it was after XXXX and I could not get gas or food that evening, as well as having to drop multiple shifts due to being unable to get gas, which hurt my metrics that allow me to keep Premier stats as a XXXX. I am now close to losing my position because of this. I was lucky enough to make it to the bank on Saturday right before they closed at XXXX XXXX. I have not had another opportunity to stop by the bank. 

Then I had to have someone do my grocery shopping for me since I have a very hard time being inside heavily crowded areas like super markets and malls due to XXXX XXXX with large crowds and currently working with my doctor about XXXX XXXX in my XXXX XXXX. So I can no longer do XXXX XXXX or XXXX without a card. God Bless having a good friend. 

The wait for my card, according to them, was 12 business days. Getting it Expedited would be 3, but it requires me to be here and they can not give a window beyond USPS ' hours of operation. Which is at any time of the working day. 

There are no cashless ATMs anywhere near me and I can not create a virtual card for my bank account when a checking/savings does not have an active card attached to it. Using my checking account to pay on my credit card to use it increases the amount of overall interest I pay through the year. This has cost me a lot of time and money for only having gone on since Friday XX/XX/XXXX. 

I have multiple bills that can not accept credit cards and require my debit card ( ie : My car note I pay Weekly every Tuesday on ). I also had a Monthly bill for the IRS to pay on my taxes, that I now can not pay and will have to find time to call them since there's been an hour hold time/callback when I tried calling them today ( Monday ). As well as my child support payments. 

If this company can not help me, please direct me to somebody who can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had contacted the company the account was paid in full want it removed

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 2022-02-14
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting rid of the item stated below to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Balance {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
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:
I have explained to several people at TransUnion that this account for XXXX account number XXXX does not belong to me. I keep explaining and speaking to people off shores each time providing documentation that they request and getting no resolution. I feel like they continually read from a script saying the same thing over & over but not attempting to help me correct this mistake. I have added a copy of the identity theft report with the account number as they requested.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-01-19
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo continually gave me problems from XXXX to XXXX when I finally had enough of them not crediting my account, overcharged fees, unauthorized debits, fraudulent deductions and not letting me use my card in XXXX, even though they were informed prior to my travel. I suffered greatly with there Managers unprofessional attitude/disrespect in XXXX at the bank there.

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 2019-10-07
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have money on deposit with Chase Bank. It is my money. I tried today to schedule a valid payment of {$600.00}. Chase accepted the transaction but delayed it pending " review. '' No other explanation was provided. I waited a reasonable time ( 12 hours ) then contacted Chase. My first call was put on hold 5 minutes when I got a recording saying they were too busy to answer, and I should call another number.. 

Then I called a customer service number. they said they would not help but would transfer me to XXXX. 

I called that number and was on hold 30 minutes. 

Meanwhile I tried the website again, and when I tried to log on, I received the following message : " Important : We locked your account to protect it from suspicious activity. 
To unlock it, call XXXX. 



After waiting on hold for 30 minutes, " XXXX '' answered and asked me personal questions about my transaction that were none of her business. Nevertheless I answered her questions. She put me on hold again, and returned and said she would not help me. I insisted on an explanation, and she refused. 

This is not just bad service it is theft! The minimum a customer should be able to expect from a bank is that if the customer deposits good money, he should be able to draw it out when he wants. Even if the bank has no sense of ethics, there must be some regulation that requires that they not obstruct my transactions and confiscate my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-13
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: PA
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:
As of the ( XXXX XX/XX/2023 ) for the second time XXXX, Experian, XXXX have poorly investigated my report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Fair Collection & out, DEPT OF EDUCATIONXXXX These entities are using reporting false names and not my legal name. 
Present the signed contract agreement & court order.

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 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I have tried working with TransUnion about continuously reporting a late payment in the amt of XXXX from XXXX of 2019 they ran the payment before the money was in the acct once the funds were deposited the account was short Due to previous attempt from XXXX XXXX XXXX they reached out to us by phone and we were told if payment was submitted the would not report it but they. Did now from what I gather from TransUnion they can report this payment every 24 months and it will continue to make my score decrease until 7 years has passed so no matter how hard I work every two years my score will take a bit with TransUnion

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 2022-02-14
Company: EQUIFAX, INC.
State: GA
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 new and updated information regarding Equifax 's investigation about late payments on my report. They mailed the result of the investigation on XXXX saying those late payments were verified. I demand to see a full disclosure, audit and paper trail of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We became delinquent on our account about the time XXXX XXXX hit Florida, where we live. We attempted to find out the specifics of our account balance such as how much of the total balance consisted of late fees, finance charges, penalties, interest, etc. The creditor would not tell us the breakdown of the amount due and said they could not access that info. I found that hard to believe since they are in the business of extending credit to consumers.

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 2023-10-30
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent money to my nephew who is a XXXX citizen and resides in XXXX. First, he was asked to bring his residency papers and passport, which he did the following day. When he went with his residency papers, work permit, and XXXX passport, he could still not access the funds from the post office. When postal service workers in XXXX called XXXX, they were told that the system is not set up to accept a XXXX passport that had been renewed at the XXXX embassy in XXXX. He was told if his passport had been renewed in XXXX, he would have no problem receiving the funds. All this time, I was calling Moneygram here in the US and being told he could access the funds. He could not. Moneygram refuses to refund {$4.00} I paid in transaction fees. 

I then tried to send the funds via XXXX on XX/XX/XXXX ( transaction ID XXXX ). I had no problems sending money via paypal in XXXX years and using my bank account. This time, the XXXX system required that I log on to my bank account and that failed XXXX times when XXXX would redirect me to log in. However, I could log onto my account using a different browser. I called XXXX and they said there was nothing I could do and it was my bank 's problem. I called my bank and was told that this was a XXXX problem. This had never happened before in over XXXX years. XXXX had never directed me to log into my account from their site. 
I ended up adding my debit card that is tied to the same bank account onto XXXX XXXX account. The transaction went through. However, I was now required to pay {$11.00} in fees to send {$200.00} to a XXXX account. If the money had been just deducted from my bank account without using the debt card, the same transaction would have cost {$4.00}. I complained to XXXX and they have done nothing and refused to refund the difference. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My husband and I took out a XXXX HELOC with BMO Harris in XXXX of 2013. It had a 10-year draw-down period. I don't recall how much we drew down, but we paid off everything within just a few years. We were still getting billed {$50.00} annually, and we kept paying it. In XXXX of XXXX ( not sure exactly ), I was informed that for some reason unknown to me, they had to close our HELOC account and reopen it under a different account number. I bank online, and after they made this switch, I could see the new account number. We took this opportunity to go in to the Bank and have the account closed. We signed a bunch of papers and I thought that that was it. I still saw this account listed when I checked accounts online, but it always had a XXXX balance due. I thought it had to stay that way for the full 10 years. 

On XX/XX/XXXX, we went in to the bank once again to close the account, and not have it roll over for another 10 years ( we didn't owe anything, but I don't want open credit lines out there. ) I wanted it CLOSED closed. I was told that we owe {$150.00} -- three annual {$50.00} payments for the last three years. How can that be if we closed it in 2021? The lien on my house will not be released unless I pay them {$150.00} for an account I haven't used in seven years, and closed two years ago. How does that make sense? 

I thought that because BMO is a XXXX bank, it wouldn't engage in some of the shadier business practices that many American banks do. That's why we have three savings and one credit card account with them, in addition to the HELOC. We've been good customers of theirs for almost 12 years. Sadly our good will isn't being reciprocated. If we can not come to a resolution in this matter, BMO can take their {$150.00} off the top when we close all five of our accounts.

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 monetary relief
Consumer complaint received 2020-08-02
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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