BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
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:
First of all I would like to give the utter most graditude for those bankers that was fired for not participating in the illegal practices that Wells Fargo bank has forced those bankers to open up fake accounts with out authorization of those consumers with out the consumers and customers permission. And people that has accounts with Wells Fargo has used the consumers and has taken advantage of those consumers that trusted Wells Fargo bank to help those consumers to succeed in helping them to be financially stable. But surely this is not the case in Wells Fargo bank eyes. I just want to address several issues about how the consumers and customers are being taken advantage of. ( XXXX ) Wells Fargo bank is and has opened accounts with the consumers authorization and permission forging names on documents with out the consumers and customers permission and has also failed to inform that customers and consumers about all of these hidden fees and signing up the consumers and customers with out the consent and permission customers with out letting those consumers and customers know what is happening as to why when or where on what is happening to those consumers and customers. But still yet Wells Fargo bank wants a consumer to talk to someone else and I would like to say that everyone has a right to financial privacy in which this is not the case in Wells Fargo bank eyes. The reason for me saying this is because every time you call to check your balance of how much you have in your account before a banker comes on the line to speak to a customer or consumer Wells Fargo bank tells you that is a secure line in which is not and you are being recorded and when this happens bankers can here everything that is being said how is it possible for bankers to say these things when everyone should have a right to financial privacy. In which Wells Fargo bank has been discriminated against .. and those loyal bankers has been fired from Wells Fargo bank for telling the truth about the illegal activity that Wells Fargo bank has done to the consumers and customers. But I know that I would not be able to sleep at night knowing that I have taken advantage of those families that are struggling to provide for their families and loved ones.

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 2023-11-06
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I explain to XXXX to remove a debt that was a charge off that was a bad debt by the name of west lake management in CA. It is illegal to report a bad debt in a consumer report, I had write the company a letter about removing it from my credit report and they refuse to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2023-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Fraudulent account was opened in my name early XXXX Bank of America will not close account, has denied fraud claims. 

I only want account closed

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 2022-12-12
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act Discover Bank partial account # XXXX, has violated my rights.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 a account without my written instructions.15 USC 16666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: EQUIFAX, INC.
State: TN
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:
My XXXX 's account is reporting incorrectly to the credit bureaus. XXXX 's has not aided in fixing the errors which the credit bureaus require. The account was closed in XX/XX/2012, and I received notification that it was sold to XXXX recovery and to settle my account with XXXX with XXXX or XXXX. The proof is attached. Upon satisfying my account, the balance was changed to {$0.00} but the account is still to this day reporting as 90 days late each and every month since XX/XX/2012 even tho there is {$0.00} balance and they transferred the debt!. I can't be late on a {$0.00} balance owed, and further since XXXX 's gave or sold this account to XXXX ( attached ) - they should not be reporting anything at all to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: SYNCHRONY FINANCIAL
State: FL
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:
This account was opened to purchase XXXX XXXX. We have made our monthly payment every month. In XX/XX/XXXX, we received at letter stating that we owe quite a substantial amount in late fees. We call the company to be told that we missed a payment back in XX/XX/XXXX. I looked at my bank records and said no, we made the payment. The Credit Card Services stated that I was making my payments to early, so they were being applied to the principal not as a payment. I said I have never heard of anything so crazy and why did you wait until XX/XX/XXXX for something you thought was wrong back in XX/XX/XXXX? No explanation, just wanted us to pay the full amount of late charges. We have made a payment every month, everyone agrees that money was received from us every month. On XX/XX/XXXX we spoke with an American speaking representative that told us that we are caught up in a, " MISS POSTED PAYMENTS CYCLE ''. Meaning that we are billed out on the XXXX of every month, so we can only pay on our bill after the XXXX of the month because our payment is due on the XXXX of the month. I have been paying the bill consistently between the the XXXX to the XXXX of the month and they are adding late fees and additional fees for non payment every month, even though we are paying the monthly payment! The representative stated that she was filing a complaint with the company, but it will take up to 30 days to get a response due to the high volume of complaints regarding this credit card company! The credit card company has reported us as a late payment risk that shows up on my credit report now! 
We understand that we are not the first people this credit card company has done this to, we want the excessive charges dropped and removed and our credit restored with explanation and remove the late payment history. from my credit report to be made whole.

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 2023-04-17
Company: MOHELA
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela is not correctly processing my PSLF application. They denied my application, mentioning that section 3 of the form was not completed. After further review my PSLF application was filled out correctly, and the denial is incorrect.The PSLF applications I submitted on XX/XX/2023 were for Women & Infants Hospital and The XXXX XXXX . When I resubmitted the application it came back as being denied as a duplicate form. 

The denial also mentions there is no end date on either application which is also false. Both have either an end date or they are listed as my current employer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was informed by my bank that someone had opened an online bill pay banking account and opened credit cards under my name in different states with my persona profile such as social, DOB and other personal information. I have also been denied credit card due to this identity fraud and I need all the credit bureaus to please be informed of this occurrence so that I can be better protected. I am an elderly and they have even taken my social security money and need help protecting myself against these thief 's. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I withdrew money from my retirement account with XXXX XXXX. I was issued a check on XX/XX/XXXX, it was received signed and mailed to my bank XXXX XXXX XXXX XXXX  ( not located in my state ). Placed in the mail on XX/XX/XXXX in a priority mail envelope. XXXX made aware check was not received by my bank abd iwas told it was cashed. Check was stolen in the mail. USPS police notified. XXXX then sent copy of check to me and affidavit of forgery was filed. From thence i was told it could take up to 120 days to hear from Wells Fargo. I followed up with XXXX every one to two weeks and informed that " Wells Fargo has not responded ''. I called today XX/XX/XXXX to find out the status and was told that as of XX/XX/XXXX Wells Fargo denied the claim because the check was endorsed by me originally. I was never notified by XXXX. I was given the phone # to Wells Fargo Fraud dept. XXXX. I was told Wells Fargo was unable to help me because I do not have an account with them, however they did inform me that this was not handled properly and that XXXX should re-file because it is illegal to cash a dually endorsed check. Can you please help me with this process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have automatic payment setup for Bank of America ( XXXX  XXXX ) credit card and I pay the balance due every month. 

Balance Due {$7800.00} XX/XX/XXXX  Payments and Other Credits- {$9700.00} XX/XX/XXXX  including automatic payment to Bank of America {$7800.00} XX/XX/. 

Overcharged {$1800.00} that represent credits received on the account on XX/XX/XXXX  and prior. 

Bank of American is getting a free loan in the amount of {$1800.00}. 
I called and was informed that credits are not counted against the balance due. 

All my other credit card accounts do not overcharge but correct the automatic payment amount for the credits to the account prior to due date.

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 2023-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/23 I tried to use my card for 4 purchases. All 4 were declined. I contacted the company several times throughout the day regarding these purchases. Now 2 of the charges are showing as posted on XX/XX/23. I spoke with 2 representatives who both admitted the charges were changed from declined to pending, then resulted in charges on my account. One is for XXXX and the other for XXXX. 

I ended up having to pay cash for 3 of 4 transactions on this day. My neighbor, sons, and husband were witnesses to these charges and declinations by Capital One. 

I attempted to contact them and was told that since I paid cash for both of the ones posted on my account that they would not refund these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I need Nissian XXXX to reflect my autoloan for my XXXX XXXX updated to reflect a XXXX balance to all three of the credit reporting agencies prior to the end of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I attempted to make a purchase at XXXX XXXX online and I mistakenly entered the wrong CVV numbers, which resulted in my card being declined. However, it still out the funds in pending status on my account, making it impossible for me to spend {$170.00}. But I had a different unexpected expense this week that I had to cover with my debit card and my credit card is the only thing I have to get me through this week. 
So I called XXXX XXXXXXXX and they called Capital One, and XXXX XXXX confirmed to them that there arent any pending orders and they wont be collecting those funds. Capital One said too bad, they arent releasing them. I dont understand how its legal for them to hold onto my money when its been confirmed by the merchant that no one will be collecting those funds. I will starve this week and probably be fired because I cant put the gas I need in my car to get to work. This cant be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: BBVA FINANCIAL CORPORATION
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:
On XX/XX/XXXX and XX/XX/XXXX Compass Bankcard pulled my credit report without my authorization. My credit card account was also closed on XX/XX/XXXX due to inactivity. However, I used my card on XX/XX/XXXX prior to it being closed. I called the bank to address this discrepancy. Since it was less than a 30 day gap and because it was their error they would reactivate my account by XX/XX/XXXX and a replacement credit card would be issued because my card expired on XXXX/XXXX/XXXX. In this conversation I specifically asked how my credit report would be affected. They stated that my credit would not be affected in any way. I was told that everything on my account would remain the same with the original open date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX " Dept Of EDXXXX '' XXXX reporting an account/s to my Consumer reports that I didnt give any express permission or permissible purpose to report which is a violation of my rights according to law. 15 USC 1681b ( 2 ).

As a Consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My personal information is my business, my student loans are my NONPUBLIC personal information and Dept Of ED/XXXX have reported my nonpublic personal information without my consent to a non-affiliated third party which amounts to AGGRAVATED IDENTITY THEFT. 18 USC 1028A.

15 U.S. Code & 6801 - Protection of nonpublic personal information It is the policy of the Congress that each FINANCIAL INSTITUTION has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information.

According to the FCRA the above servicing company has violated my rights by providing my confidential and private information to a non-affiliated third party without my permission or without giving the proper disclosures.

Pursuant 15 USC 6802 Account # XXXX x 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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 filed a dispute concerning my consumer report with TransUnion, XXXX, and XXXX in XXXX and XXXX of XXXX. Neither company acknowledge the federal laws or consumer protection laws that I cited in my disputes, instead the company sent me a letter basically saying that they speculated that some third party was doing something to my credit. I responded telling the reporting agencies that I, myself had written the disputes, and I also verified my identity. The company still ignored all consumer protection laws and simply refuse to investigate or remove any of these derogatory remarks for 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 2021-06-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi, I went to citibank branch at the atm to withdraw some cash on XX/XX/2021 around XXXX noon. I put in my card and requested to withdraw XXXX XXXX. The Atm froze not just for me but for everyone who that there on that moment doing transactions. We all freaked out and went inside to ask why it's frozen and why our cards are locked. Nobody came out of the office to help.The next minute the ATM went from being frozen to saying " Out of Service please try later '' it gave me my card back but the XXXX never came out of the atm. no receipt got printed and I got debited into my account for the withdraw. I went inside of the branch and asked to speak to a manager to get my money back and she said " I can't do anything from here you have to call the number on the back of your card. Anything related to atms we don't deal with that. ". I did reach out and was told a complaint was filed and my money is not back still and I still am missing money. I'm missing XXXX which the atm never put out and citibank clearly as stolen money from me and are refusing to show any help. This bank is fraudulent and a bank of this sort should not exist. Money gets taken out of my account no cash is out and they are gon na tell me they can't do anything about it? 

ATM ID : XXXX ATM Location : XXXX XXXX XXXX, XXXX, NY, XXXX Date : XX/XX/2021 Time : XXXX Amount : {$290.00} I will be following legal actions about my stolen money from citibank . The manager at the branch literally did nothing and I got no help whatsoever but my money is still taken from my account but they told me they couldn't do anything about 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