BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is the second time that Wells Fargo has received the funds from a check I deposited, and did not make the funds available to me for 10days. In the first case I wrote a check from my business account and could see exactly when the funds came out, the second was from a settle with XXXX I am almost sure the payment has been cleared but they insist on making my funds available in 10days when they already have the money. 
On XX/XX/2022 I made a deposit a portion of the deposit was suppose to be available on XX/XX/2022. If there was something wrong with the check it would not have let me even deposit it. So I dont know what check or issue they have with the check but its a lie.

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 2022-06-15
Company: EQUIFAX, INC.
State: NC
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 Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX and Account Number : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX and Account Number : 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

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 2018-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX is still reporting my XXXX XXXX account as an adverse account that is negative with a late payment I am uploading proof from XXXX XXXX that this account was never paid late. I have attempted numerous times to correct this. Having this wrong information reporting is affecting my credit score.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2021, XXXXXXXX XXXX  conducted an investigation which proved the XXXX XXXX XXXX XXXX issued by them was a fraud, and the letter they sent me that I sent to TransUnion stated as such and that the account was removed, cleared my responsibility, and notification to the three credit bureaus. However, TransUnion refuses to remove the hard credit inquiry because it only lists the account as fraud, which makes zero sense because the account being opened required a credit check that caused the hard credit inquiry. I contacted XXXXXXXX XXXX, and they refuse to send a new letter stating permission to remove the hard credit inquiry because they have a " we issue only 1 letter '' rule.

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 2022-06-15
Company: Experian Information Solutions Inc.
State: TX
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 following accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 stated a consumer reporting agency can not furnish a account without 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 explanation
Consumer complaint received 2021-05-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX, XX/XX/2021, disputing inaccurate accounts on my credit report. They have not provided proof of the accounts, I asked to verify the accounts they listed and they haven't, nor have they responded or removed the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had been dealing with Midland Credit Managent regarding a debt. After a lot of correspondence and phone conferences over years, we struck a deal on XX/XX/2022. I agreed to pay approximately {$1200.00} in full and final settlement. The agent I was dealing with sent me an email stating the amount as describing the payment as a " down payment ''. I explained that something which said " payment in full '' was required before any payment would be made. I even offered to send a check that said " payment in full ''. The agent had me read the email again and told me that the payment wasn't a down payment and he didn't have a form that said " payment in full ''. This seemed quite strange to me, how could a large debt collection company not have some kind of paid in full form? I again informed him that there would be no payment without an indication that the account was paid in full. He became quite abusive - nasty and insulting. This made me even more suspicious and I terminated the call after speaking with a supervisor. My feeling was that after payment MCM was going to come back and say that the payment was only a down payment and money was still owed. 

Because of my precarious financial situation it was important for me to resolve this. Because I was aware of a number of lawsuits and other actions against MCM it would have been stupid to accept someone's claim that " down payment '' equaled " paid in full ''. 

I have attached the email. Please note that nowhere in the email does it say " payment in full ''. This language could easily be describing a one time down payment with other payments to follow. If the payment is meant to be payment in full, why would a legitimate company not just say so?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony Bank sent me a letter dated XX/XX/XXXX that they decreased my credit limit from {$510.00} to {$100.00} based off of a credit report they received on XX/XX/XXXX. Prior to this they dropped my credit limit from {$900.00} to {$510.00} in a letter they sent me dated XX/XX/XXXX based off of a credit report obtained on XX/XX/XXXX. Both times my credit limit was dropped to increase my credit utilization even when my account payment history with Synchrony Bank paying my account on time every time since I have opened my account. The reasons for them lowering my credit limit. They not only did this with my XXXX XXXX Card but they also did it to my XXXX XXXX Card as well. Other credit cards have increased my limit for excellent payment history. Synchrony Bank has punished me causing damage to my credit score by decreasing my credit limits close to my balance owed to show high credit utilization. Prior to this I had paid down my card under 30 % so my utilization was in a favorable status however they decreased my limit causing my utilization to increase and my score to decrease. I am filing a complaint because their practices are unethical and are hindering me from raising my credit score making my credit history unfavorable to other lenders.

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 2023-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$2800.00} on XX/XX/XXXX in my Capitol One checking account which promised funds would be available within one business day, or XX/XX/XXXX. Instead the bank put a hold on the funds until XX/XX/XXXX. Capitol One prides itself on being a digitized bank, which means in practices that humans at the bank have no authority over the algorithms. 

After 5.5 hours on the phone on XX/XX/XXXX, I found a human who grumpily said she would lift the hold after I threatened to contact you. But in fact the funds are still blocked. I can not send funds through XXXX and the XXXX XXXX says I am disqualified with no recourse. They will not even let me send a cashiers check. 

Twice before, the algorithms of big companies have tagged me as a criminal because i changed my name in XXXX, as part of a XXXX XXXX. 

In the case of XXXX XXXX, it took XXXX XXXX 's intervention to stop them dragging out a credit application for 6 months and to abjectly apologize. With XXXX, the XXXX MA XXXX XXXX XXXX arranged a {$5000.00} settlement for XXXX XXXX in hiring. 

XXXX discrimination is still that even when you hide behind algorithms which equate XXXX people with criminals. I am not trying to rob anyone, least of all myself. I just want my money. 

If you can find someone at Capitol One who can override their algorithms, please do. I can not. I intend to bring this also to the Massachusetts XXXX XXXX XXXX and XXXX XXXX. I am probably not the only person being picked on this way. 

I am XXXX and living in XXXX XXXX if that makes me more sympathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CCS Financial Services, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 CCS COLLECTIONS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CCS COLLECTIONS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My information has been breached by the XXXX breach, XXXX information breach and I have a history of Identity Theft. Multiple inquiries on my report have no permissible purpose and don't look familiar at all. Most of the inquiries listed I have never done business with these companies nor applied for credit through these companies. I have contacted creditors of Inquiries on my credit report and they all say to go to the credit bureau. I have contacted Experian via Certified Mail on XX/XX/2017 and got no response back. A representative of Experian signed off and picked up the Certified Mail on this date. I have attached proof of this certified mailing. I have also attached the FTC Identity Theft report that shows I reported multiple inquiries showing on my credit history I didn't authorize. XXXX   and XXXX investigated each inquiry on my credit report through them and deleted all inquiries. Experian is breaking FCRA laws by not deleting inquiries that can't show my signature authorizing the inquiry.

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 2023-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 have a credit card with a Bank of America Gas reward, but even though I use this card a lot pumping my gas I don't receive adequate amount on my 3 % rewards.

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 2021-02-11
Company: CarMax, Inc.
State: OH
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. CARMAX XXXX XXXX Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
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:
Experian is still reporting my XXXX XXXX account as an adverse account that is negative with a late payment I am uploading proof from XXXX XXXX that this account was never paid late. I have attempted numerous times to correct this. Having this wrong information reporting is affecting my credit score.

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 2020-11-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am in the process of changing banks and wanted to check on the status of a security freeze on my credit information. I have been able to log into experian.com to check the status. Nothing has worked to gain access in spite of entering some confidential information. 

The first time I contacted Experian to add a security freeze was on XX/XX/XXXX after the XXXX debacle. Further, The last email I received from Experian, dated XX/XX/XXXX, confirmed that : Security freeze already on report. I have not removed this security freeze as of this date. 

And, I have been unable to reach Experian by phone ( XXXX ). In my opinion, if you publish a phone number, it should be answered rather than giving a person menu options that lead nowhere.

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 2023-07-12
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 2021-05-30
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX and I was incarcerated from XX/XX/XXXX to XX/XX/XXXX and I credit and social security was used for them years and I don't recognize any transactions from those years I was in prison

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Ashwood Financial Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Keep calling to collect debt for unknown person. Ask for " XXXX ''. No one I know. Keep calling over and over and over despite asking to be taken off their calling list. They hang up as soon as I ask to be put on their do not call list. Now they are blocking my calls to them. These calls are harrasment. Scammers?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I contacted Citi bank Sears card on XX/XX/2020 to make 1 payment arounda {$90.00}. The agent set up the full past due balance. Today I as transfer to a manager named XXXX that said the process would take 20 business day. I explained and complained of the error and how it was not acceptable. XXXX cut me off stopped speaking all together then hung up the call with no resolution.

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 2022-11-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
All three credit bureaus have previously responded that XXXX XXXX verified XXXX account NOT MINE I have seeked representation against reporting agencies as well XXXX XXXX for not providing documentation I own this account do to the damage and denial of purchasing a home this has created much damage not to say emotional damage in XXXX CFPB in Know way enforced the frivolous response and or replied in regards this complaint has been going on for over 30 days ALSO PLEASE REFER TO XXXXXXXX XXXX AS WELL I have provided court documents stating This is no longer my account CFPB as well XXXX XXXX Is in violation of the reporting act and all avenues have been exhausted to the matter to file suit

Company response to consumer: Closed with explanation