BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX XXXX I received a phone call that I thought was from Peoples United Bank and they told me I had fraudulent activity showing for my debit card which they could stop before it was posted.I then gave account number and online username then codes that were sent to me.Then was scammed out of {$1500.00} within 5 to 10 minutes.I contacted Peoples and put in a claim they responded back to me on XX/XX/XXXX saying that Iwould not get the funds back because I gave out information.I then called and asked for corporate to get back to me and never heard from corporate on XX/XX/XXXX they mailed another letter to me saying that do to the fact that I gave a third party account information they were not responsible for the money.I then called customer service and asked for someone to return my phone call and the called on Wednesday XX/XX/XXXX and said there was nothing else they can do.I believed it was Peoples Bank on the phone and thats why I gave information upon speaking to them after this they always ask for my account number and online username.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: NJ
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, XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2020-01-21
Company: M&T BANK CORPORATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I did a modification with M & T bank back in 2014. I was told that the money owed would be put on the end of my loan. Today I found out there is a second mortgage of {$15000.00} that I knew nothing about. I was never told there would be a second loan! I spoke with a rep by the name of XXXX that was rude then got a supervisor by the name of XXXX. All these folks keep saying was this {$15000.00} was in paperwork I signed. As I explained to XXXX if I was told a second mortgage would be put on me then I would sign for it. M & T Bank and this other company basically has me owing almost {$85000.00} for a house worth {$66000.00}. I wasnt given any money so i dont know who got the {$15000.00}. I feel I should be let out of this since I was lied to the entire time. I want all communications between me and M & T listen to so you all can see I was never told about a second mortgage. I would have just let them foreclose before owing that much for this house. I am trying to purchase another home and owing this much wont allow me to sale this home or purchase the 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 2018-02-27
Company: U.S. BANCORP
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi, I have a mark saying 90 days late from XX/XX/2011, which I disputed with USBank on XX/XX/2011. 
It was a weird situation, I was offshore traveling on XXXX, and the country closed all XXXX XXXX   services, XXXX, banks transfers. 
I called in advance to USBANK and they told me not to worry, that they were going to put an extension. 
A few month later I saw my creditscore going down, they told me it was a mistake and they were going to fix it. 
7 years after I'm still seeing it!

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 2023-02-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
They are reporting to credit bureau on incorrect days. It shows it was reported on XX/XX/2023 but my date is due every month on XXXX. I paid off my credit card and when I dispute the amazing they changed the last report date to XX/XX/2023 with the owed balance. I have prof they are reporting incorrect information

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 2023-02-27
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:
Fruad inquiries appearing on three of my credit reports.

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 2023-02-26
Company: Experian Information Solutions 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 applied for conventional home loan and got a report from loan company with all inaccuracies which hurt so much. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and According to 15 U.S.C 1681e [ b ] and 15 U.S. Code 1681 [ 5 ] these accounts are in violation of not reporting 100 % accurate. Definitely a defamation to my person.

The reporting agencies stated that these accounts were properly investigated and came back as verified. However, this is not true when there are several inaccuracies showing on my 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

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Our money is never available and it never shows up in our account

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 2020-02-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2020, there're 4 tax payment ( grouped ) hit on my Chase business checking account, however, my funds in the account is insufficient, so Chase had charged me the over-drafting fees for a total of 4 times. ( 4 x {$34.00} ) I understand there will be penalty for insufficient funds, however, the fees should not be charged multiple times within in a day! It's not fair to charge that for a group of unrealized tax payments hitting the account at the same time. 

Chase had tried to made it into a reasonable case that they had refunded me such fees before so they can not do that again and it could go up to 6 times a day for over-drafting fees. Again, I want to definitely file this complaint as this is absolutely not fair to charge it for multiple times, if I fail to keep the balance for one time I will take the penalty for one time, but not multiple times within a day! how would I know how many transactions will hit for the same time at one day as a busy small business account? That's ridiculous! 

As a five years old customer with Chase they did not even get that resolved for me. Please be aware of the big drawback for using Chase as small business account!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, CAPITAL ONE add a hard inquiry on my credit report per XXXX. On XXXX. XXXX, XXXX, XXXX XXXX  XXXX  add a hard inquiry on my credit report per XXXX. On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2021-09-02
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I reached out to suntrust bank because I noticed that over XXXX dollars had been taken out of my account over a span of several months. The advised me that I would need to open a new account and close the account that money was being taken from, I did everything they stated and then the next day my account was frozen and they are forcing me to buy a ticket to return to America during the spike of COVID to just come show my ID when I have already verified all of my account information with them.

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 2023-02-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX shows past due amount. This is a violation of FCRA, and its also a violation of requisite Metro 2 compliant reporting standards

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 2015-07-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
USAA FSB has restricted my account access online. They say it is due to a previous charge off with a USAA credit card - discharged in XXXX. I am told they are no longer attempting to collect on this debt but since it is a loss on the bank, it is " policy '' to not allow me to access my checking or insurance accounts. Insurance policies are not easily changed and are long term. When I ask for access, they give me a mobile website access for the day, then lock it once more. From my perspective ( and any reasonable person ) USAA continues to try and collect this debt to the level of harassment - and impedes my activity even with other divisions unrelated to the banking. Secondary, they place holds on every deposit for XXXX days, etc. all claiming to be " within policy ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I called to cancel my American Express Delta miles card. I talked to XXXX from XXXX Florida. I asked her to close my account and she responded by telling me that if I close my account they would take back any bonus miles that I received as a promotion. When I asked what would happen if I used the miles already and didnt have any left. She informed me that they would charge me for any bonus miles that were given to me as a promotion. This was false and miss leading information, and I told her that I want to see that policy in writing. She said that it was not in writing and that it was at the discretion of managers to make this kind of decision. I believe she was using a fear tactic to keep me from closing my card. Had I not known more information credit card companies or been less confident, I might have been afraid to close my card. I asked her to Close my card and transfer me to a manager, where I left a message on the voicemail. I have not heard back from American Express about this misleading practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: EQUIFAX, INC.
State: NY
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
When I first closed the account I had a balance of XXXX  dollars...upon adding up al the payments made it's over that...and now they are saying I owe XXXX something to them....that is not true...I have paid them off already and I'm not willing g to pay a y more and they just keep adding interest and fees to it. I have not used the card since the account was closed...I through out the card...then 

they call and threaten you 

with legal actions against 
you and talk very smart and 
down to you. This is comiety bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just had a collection account show up on my credit report that i have no idea where it's from but i think it's part of my identity theft case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 disputed this account from my TRANSUNION consumer report on multiple occasions because I never gave TRANSUNION or XXXX  direct consent to furnish this information. No direct consent is identity theft! On XX/XX/2021 I served XXXX with a cease and desist and requested that they provide me with the valid documentary evidence for verification of the alleged debt they are attempting to collect. They have also been harassing me by communicating indirectly to TRANSUNION and publishing information that is harmful and defamation of my character! It is a fact, TRANSUNION has NEVER had my direct consent to furnish this information on my consumer report. I have received multiple notices from TRANSUNION stating that this account has been verified as accurate without providing any adequate documentary evidence that I gave them consent to furnish this information. I am demanding that they delete this account immediately as they are harming my reputation as a consumer!

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 2020-01-21
Company: EQUIFAX, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: Ocwen Financial Corporation
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi I'm a Consumer. I'm sending this complaint to inform you that Ocwen Loan Servicing, LLC along with XXXX XXXX , XXXX where given notices of dispute to verify, and validate the alleged account that they are try to collect on neither financial institution can provide Original loan level documentation with blue ink signature to prove it. I the natural man specifically denied that account or any attempt to establish an account stated, by both parties. I own a private home NOT real property. I have no mortgage those signatures they have on the documents they have been sending me Do Not have my authorized signature on any of those alleged certified copies they have been sending after every demand I made for a verification and validation of the alleged debt ; with a sworn statement under oath from the original creditor, both parties can not provide it. Both parties are breaking several consumer law. Both Ocwen Loan Servicing, LLC and XXXX XXXX XXXX XXXX are breaking several FDCPA laws, FCRA, laws, and Truth in Lending Regulation Z laws. By claiming they receiving my information from a known source and can't provide proof, is my belief that there is identity theft, money laundering, and maybe tax invasion going on by Ocwen Loan Servicing, LLC. Which XXXX XXXX , XXXX choose to represent, which makes them indirectly debt collector try to assist Ocwen a Debt Collector to collect on a debt that they can't provide validated proof. I reject that alleged account. I have no real property so this alleged foreclosure that both parties are threatening me with needs to cease. I know that both parties are financial institutions and may be violating the Grand Leach Bliley act. I have been building my case for the last 8 months disputing back and forth with Ocwen Loan Servicing, LLC. Please look into my complaint and assist me on this matter. XXXX XXXX , XXXX also is falsifying in formation with wrong dated and claiming that they have sent me these letter certified, which I can prove they hav n't. Thank you in advance for looking into this matter. I would like a full break down of your investigation, and what procedures that you use to investigate both parties. Thank you again for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
3yrs ago i crashed car, had gap insurance which i was told on numerous occasions ... .i had gap Insurance Today i get letter for collector, radius global services and they completely ignored my security precautions, so i do not trust whatsoever

Company response to consumer: Closed with explanation