BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: TD BANK US HOLDING COMPANY
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:
I do not believe I owe what you say I owe. Therefore, I dispute this debt. I am aware of my rights under the federal and Florida Fair Debt Collection Practices Acts ( FDCPA ). Also, I believe that the statute of limitations for enforcing this type of debt through the courts in Florida has expired. Therefore, should you decide to pursue this matter in court, I intend to inform the court that I dispute this debt and that the statute of limitations has expired. 
This letter is your formal notification that I consider this matter closed and demand that you, and everyone affiliated with your company, stop contacting me. In the future, you may contact me only to advise me that you are ceasing your debt collection or that you or the creditor are taking specific actions allowed by law. 
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Acts a serious violation of the law and will immediately report any violations to my State Attorney General and the Federal Trade Commission and take whatever legal action necessary to protect myself. Be advised that I tape record all phone calls. Violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was called several months ago regarding the same " Credit Card Debt ''. I told them to send me information via mail and he said 'He could not do that, they were passed that step ' and he told me " Good luck in court. '' I didn't hear anything for several months. Today, my husband was called by the same company about the same " Credit Card Debt '' and was harassed. I called the company back and left a voicemail. They spoke to me using a name I have not used in years. They had an address I haven't lived at in years as well. This credit card debt they said I had, I called that company and they have no record of my current name or previous name to attempt to resolve this matter with the original company I had " alleged '' debt with. It is also not on my credit report. I called them back today to ask about said debt and asked if they were going to send me any kind of paperwork and I was told they are 'passed sending anything else via mail or email. I refused to pay anything over the phone that this company can not prove. While filling out this report I received another call from this company ( I am currently on hold ). How do I get these people to stop harassing me and my family over something that is false? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 2022-04-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My mother passed XX/XX/2022. I am her daughter and the beneficiary of her accounts along with my XXXX  children and my brother. 
I am XXXX XXXX ( XXXX ) My daughter is XXXX XXXX My son is XXXX XXXX XXXX is XXXX XXXX We have all tried to close a CD that 1/4 was gifted to each of us. 
Synchrony Bank will not cash out my son XXXX XXXX his 1/4 of a CD account. Although XXXX XXXX sent in paper work per their request he called Synchrony Bank AND they advise XXXX XXXX they did not receive it. I have had to cash out of other accounts with Synchrony Bank along with my family members. We have all been in tears dealing with this bank. Number one there is no Brick and Mortar. 
# 2 Process is time consuming and extremely stressful reducing 3 of the family members to tears dealing with them. 
I have documentation going back to XX/XX/2022 all the way till today. requesting these account be liquidated. It took me 3 months to get my share out and tons of paperwork, redo paper work and emails. They do not respond to emails. They do not answer the phone. We are still trying to cash out of one account and they refuse to give it us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, I had to change the payment source on my CItibank/ BestBuy credit card account set to autopay because of a stolen wallet. My old checking was cancelled and a new one opened. I updated the payment source for autopay online and placed a call to customer service to make sure all was working and connected. Autopay payment was withdrawn from the new source in XX/XX/XXXX and the paper bill reflected autopay setup. 
A few days ago, I was contacted by a collection agency because of 3 months of missed payments XXXX XXXX, and XX/XX/XXXX. Somehow, my account was bumped off of autopay and was sent to collections. My XXXX bill doubled to XXXX. I called Citibank/BestBuy to rectify and to seek an explanation as to why the autopay canceled out, after it was set up both online and verified over the phone. No solutions from customer service, just run around, transferring between call centers and being hung up on from a rude associate named XXXX in the Kentucky call center. This company will not take ownership for their faulty system. Had anyone looked at my autopay payment history and customer service call record, this could have been easily rectified. I spent up to 5 hours on the phone trying to obtain an answer about the autopay system failure. I wish I had that time back as it was a complete waste. The intent at Citibank / BestBuy is NOT to assist customers - the agents are trained to repeat the same 3 useless lines and to refuse to escalate the call to a department that has real answers. Nice little scheme CB/BB has going- bump customers off autopay, charge late fees and other charges.

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 2023-09-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Primary issue : Unable to access my account and funds through any means since XX/XX/XXXX ( mobile app, online, or by phone with the assistance of a banker ). 

XXXX XXXX Opened person relationship banking online with an opening deposit, received bank account and routing number. Used these details to add deposit from my employer. Successfully set up online banking profile but was unable to see any accounts. 
XX/XX/XXXX - Received email confirmation from bank that opening deposit was complete. Opening deposit amount removed from my other bank. 
XX/XX/XXXX to today XXXX XXXX XXXX - Called BMO customer support, including online sales teams, on multiple occasions with no resolution. Agents gave many explanations : - Tell me they are unable to find an account from my account number or social ( only see an online profile ) and can't help me- Tell me there's an issue with linking up new accounts to online access and I have to wait - Transfer me to other departments that are closed - Investigate opening deposit based off the reference number and escalate to a manager, then promise to follow up but never do ( XXXX XXXX XXXX XXXX  ). 
XXXX XXXX  First employer direct deposit sent to account which wasn't returned indicating the money was received by BMO Bank. 
XXXX  - Received debit card in the mail which can't be activated. When I attempt to activate, it simply redirects me to the same customer support phone line. 

I've since cancelled my direct deposits but are continuing to be sent in a loop when calling for help so have been left with no choice but to escalate to CFPB. Although I'm confident in a long term solution to this given government protections and ACH tracking information, I no longer have confidence in BMO as a reliable bank or one that prioritizes their customers. 

IMPORTANT NOTE FOR CFPB : BMO IS UNABLE TO ASSOCIATE ME WITH MY ACCOUNT NUMBER SO ADDITIONAL INFORMATION LIKE THE OPENING DEPOSIT/APPLICATION REFERENCE NUMBER ( DTRPBCG ), ACH TRANSFER TRACKING NUMBERS AND/OR BANKING STATEMENTS OR PAYSTUBS SUPPORTING SAID DEPOSITS MAY BE REQUIRED TO RESOLVE THIS.

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 2022-12-31
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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXXcct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right to privacy 15 U.S.C 1681 Section 604. A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  reporting address XXXX XXXX XXXX, XXXX  XXXX, an address I never lived at 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am submitting another CFPB complaint to you today to request once more to remove the fraudulent accounts and information that are being reported on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number XXXX XXXX In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Below is the list of accounts and information that you should have removed a long time ago. lease let me know if you require anything else. 
XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Also, you have failed to send me copies of proof of verification from your alleged " investigation ''. If you truly verified these items by means of proper investigation, you should have sent me any supporting documents. Failure to deliver these document should have resulted in the deletion of the disputed items.

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 2022-04-22
Company: EQUIFAX, INC.
State: IL
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:
ON XX/XX/XXXX I SENT A CREDIT REPORT DISPUTE TO XXXX, XXXX AND EQUIFAX. XXXX REMOVED ALL OF THE NEGATIVE INFORMATION AND INQUIRIES. EQUIFAX LEFT ONE NEGATIVE ITEM ON MY REPORT AND XXXX LEFT SIX ITEMS THAT I DISPUTED ON MY REPORT. I ASKED THEM TO REMOVE THE NEGATIVES BECAUSE COMPLIANCE WISE THEY WERE REPORTING INVORRECTLY. EQUIFAX AND XXXX KEEPS SENDING THAT THE NEGATIVE INFORMATION HAS BEEN VERIFIED BUT DOES NOT TELL ME HOW. I ASKED THEM TO REMOVE THE NEGATIVES BECAUSE THEY DON'T COMPLY TO THE FCRA LAWS. I NEED THE NON COMPLIANT NEGATIVES REMOVED ALONG WITH THE UNAUTHORIZED INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: WELLS FARGO & COMPANY
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife had a credit card in her name with Wells Fargo Bank that I did not know about when she took it out. My wife passed away onXX/XX/XXXX Based on the credit reports, she had paid through the date of her death. I was approved by the County Probate Court as executor. I settled all debts of hers that I was aware existed which were few other than burial expenses. The County advertised for all creditors to file claims against the estate as required by law. Wells Fargo did not file any claim against the estate. They also did not notify me of the debt which would be correct since I had NO legal obligation to pay it other than through her estate and was not aware it existed. The estate closed 6 months or so after the initial filing of the will in Probate Court and the required legal notice to creditors.

A month or two after my wife died, Wells Fargo started reporting the debt as a past due obligation of mine and proceeded to trash my credit history, good name and character. I learned about this defamation when I was denied credit inXX/XX/XXXX. I contacted Wells Fargo and was informed that they would investigate. They sent a letter to the estate and stated that they would erase my name from the file after trashing me for 27 months for a debt that wasn't mine. They claim that they have made no mistake and offer nothing more. They sent the letter to the estate only and have not sent any communication to me, yet I am the aggrieved party. I called and left a message for them to call me and they have not bothered to return the call in 2 weeks. The Wells Fargo case # is XXXX.

Corrrecting their mistake by deleting me from their records is required by law and they refuse to even acknowledge that they messed up. They have not done anything to address 27 months of erroneous reporting. Their response is wholly inadequate to compensate me for attempting to destroy my credit because my wife died and they failed to do their jobs correctly and file a claim with her estate. They should not be allowed to make up false and fictitious allegations against me for their inability to handle the debts of a deceased customer and should be fined and or offer compensation beyond we'll fix our mistake after making it 27 months in a row. They wouldn't even have done that had I not filed a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: One Source Technology
State: CA
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:
Several times for different background checks for employment ive seen now on my record it shows as if I have an active warrant which I DO NOT. It has my case from more recently showing I have even been to court since the supposed warrant issue date and I've confirmed multiple times with the clerk that I have NO WARRANT, yet it shows up as though I have a warrant for some kind of drug charge I know NOTHING about. This is affecting my life and ruining my employment chances and it NEEDS to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On several occasions, in XXXX I used Western Union to send money to a friend in the XXXX. In XXXX my friend became ill with XXXX and was XXXX. Over several months I sent money to her and her family using Western Union. In XXXX, Western Union stopped allowing me to send money to the friend who became my fianc and her family. I called the Western Union office and asked why my money transfer request had been canceled and was told that they could not tell me why. My Fianc 's daughter in the XXXX asked the people where she was to pick up the money, why, and they told her it was the office thought there was money laundering. I sent money in amounts of {$100.00}, sometimes {$200.00} in a month. Money to pay for hospital bills and prescription medications and sometimes other family bills. This all started when I began using Western Union online. Once, while shopping at XXXX I saw Western Union service offered. I tried to send money to my fianc in the XXXX. After completing the paperwork I was told my request had been canceled. The XXXX XXXX wrote down the website where I could apply to Western Union to be reinstated for service. I completed the application and on XX/XX/XXXX, was told they would not allow me to use the service. They said it was against the company policy to tell me why they denied the service. I am a totally law-abiding citizen, in completing the application for reinstatement I sent a copy of my XXXX Tax Return along with other requested information and government ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a business bank account with Venmo ( a new feature ). The first issue I had was a glitch in their system that made it difficult for donors to search for our business by name. We were told to leave off the " @ '' or not use the capital letters in the name. It was resolved, but not without loss of revenue. 

They were also very unclear when we set up the account about the 2 % charge we would incur from deposits after the 30-day trial, so for every donor who sent in {$100.00} late in our fundraising, we lost {$2.00} in fees. 

My most recent, more serious problem, is that I'm not able to pay vendors through my account due to what they're calling a " security breach. '' There was no notification of a possible risk, just a message when I attempted to pay that Venmo had lost contact with my bank and I could resolve it by logging into my bank. I followed those instructions, but it did not resolve the issue. It simply looped back into the same message. I contacted customer service to see why it wasn't working, and was informed via chat about the potential security issue which they were not able to override. The agent was not able to tell me anything about the issue, why it cut off my funds, or how I could fix it. I had to ask three times for a supervisor to help, at which time she said she'd escalate the issue and I'd hear back in an email. The issue has been ongoing for at least five days ( the night of our event I was unable to pay vendors ), and there does not appear to be a resolution. I have been inconvenienced and embarrassed by a financial institution that I placed my trust in to operate my business, and evidently they are not capable of resolving it. I will be closing my business bank account as soon as my funds have been transferred to my bank, and I do not recommend opening up a business account with Venmo unless and until they work out their very egregious kinks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Debt Recovery Solutions, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation