BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed my first complaint to XXXX XXXX Department on XX/XX/XXXXXXXX  ( complaint number # XXXX ) listing all inaccurate personal information, inaccurate account information. ( an inaccurate credit report was sent to me still displaying the wrong information/ inaccurate account information, also some information that I never gave my permission to be given out to other entities. 
I filed my second complaint on XX/XX/XXXX ( sent registered mail ( omb # XXXX ) listing all inaccurate personal information, inaccurate account information. I never received any resolutions in response to my complaints. ( My current credit report currently is being published with inaccurate personal as well as multiply inaccurate account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: National Credit Systems,Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account is not reporting valid and accurate information if an account is closed how could it be past due this is negative reporting to the credit bureau and negative affect my scores this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate I have never signed a one month contract with National Credit system this information is also false and violates my rights for improper use of my credit report this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I wanted to pay off my student loans. Navient was paid XXXX dollars to settle the loan in XX/XX/XXXX. I thought Navient was part of XXXX but they took over XXXX XXXX. I have documentation that all my loans were paid in full XX/XX/XXXX. I have the documents that were sent in the mail. I have sent those documents to Navient and they were suppose to look everything over and have a decision in 30 days. I sent the information through an email on XXXX XXXX. XXXX XXXX I resent the email because they said they did n't get it. I made sure they received it this time. Each time I call they say they do n't have the email and then find it. They resubmit my information and tell me I will have to wait another 7 to 10 days. This has happened several times. I have proof that they need to return the XXXX since this loan was already taken care of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a promo code for a {$2500.00} bonus for opening an account and transferring {$250000.00} minimum for a period of 90 days. I made an appointment to visit my Bank, Wells Fargo in XXXX TX, back in XXXX. I was assigned to meet with banker XXXX XXXX, who spoke to me about the promo then assisted me by opening a new account and moving around the funds. Which at that time were totaling over {$300000.00} between my 2 accounts. XXXX XXXX assured me several times that the action he took was going to allow me to collect this {$2500.00} bonus promotion, as that was the sole purpose of my visit- to open a new account or do what was required in order to receive the sizeable bonus payment. After 90 days, and no deposit ever made as I had been promised in turn for keeping over $ XXXX in that account, I called to inquire and again was assured that XXXX XXXX had completed some form which was going to result in me finally getting the {$2500.00} promotion payment owed. After several more weeks, and still no payment I finally received a letter stating I was not eligible, so I immediately called the branch Manager, XXXX. I was told that the account XXXX XXXX opened was not eligible since it was not " NEW '' money. however, that was NOT stated on the promo email I received, nor did the banker ever at any time indicate or even check that what he was doing with my accounts would make them eligible. He was apparently too busy trying to discuss with me how to gain my business elsewhere. I have written several emails and spoken to the manager several times. AT this point, Wells Fargo is refusing to pay this promo, yet will not admit that the promo itself did not have any stipulations stating about not being able to already be a customer, and the banker himself didn't know obviously, even though it is their responsibility to confirm. Nothing has been done so far, and Wells Fargo is blowing me off and has had no response to any of my communications and has not paid me. I have been banking with Wells Fargo since XXXX! I receive these " promotional '' offers constantly, and normally do not choose to even attempt to participate... but for {$2500.00} I would have withdrawn my own money and seasoned it elsewhere for a week or so, then opened an account later that month to be eligible... had the banker been knowledgeable enough about the process. Now, I have wasted time and lost more money from having my whopping XXXX sit there all summer, waiting to sort this out with Wells Fargo! Seems a bit like a bait and switch scam to me

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 2023-04-26
Company: EQUIFAX, INC.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
On XX/XX/2022, I opened both 360 savings and CD with Capital One. 

Before funding the accounts, I called to inquire about the transfer timing as well as concerns relating to XXXX as the funds exceeded XXXX and I did not want any issues as I do not transfer large quantities. 

The representative assured me that funds are typically available within a day depending on timing of the deposit, the 2-3 is the checks the back in take to look into XXXX and verify the source of the funds. 

I saw the deposits in the savings account post and every time I clicked on the CD the date for processing was extended, this happened twice. This was suspicious to me and raised my XXXX through the roof. I called again XX/XX/XXXX, as I am certain that when the deposit was made it reflected 2-3 days as the associate also stated and this is pretty standard. The representative tried to put me at ease of my funds will be processed on XX/XX/XXXX. I was not as I am 98 % certain that the processing date changed. If I knew I had to take screenshots of every capital one transaction I would have never opened an account. 

I called again on XX/XX/XXXX and informed the representative that their practices provide me with worry, and I do not care to have an account with capital one. I requested for them to release and return my funds. He stated that CD require a 10-day hold. I requested to speak to a manager, XXXX stated the same and added that although funds are held the account gains interest from the initial transfer and all their CD takes 10 business days. Had they disclosed the 10 business day, I would not have opened an account, that is very peculiar. 

I informed her that I read all the disclosures when opening the account and none of the disclosures informed the customer that a 10 business day hold is required. XXXX tried to find where it is documented in the disclosures and was also unable to locate the language. 

In my opinion, this is deceptive practices. It is required that terms of the account be disclosed. Customers can not rely on employees verbal attestation of how the account grows interest, transfers and holding of funds. 

This is first time in all my banking years that opening an account caused XXXX  and the only bank I did not feel protected and had to close the account within the first two weeks. All my other banks for over 20 years. 

It is also important to note that two deposits in the savings was posted while the same 1 transaction prior to was and is still processing. So they verified my identity... 

Attached is the disclosure from Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, 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:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
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 XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: JPMORGAN CHASE & CO.
State: NC
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 was never late on my accounts i have dispute several time on these account and charge off account is reporting on me as well i have dispute these account several time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i never have a XXXX XXXX XXXX credit card in XX/XX/2010 XXXX XXXX XXXX put a collection on my credit bureau file i disputed it and they could not prove that the debt was mine so they remove it from my credit file now XXXX XXXX XXXX  put back the same debt on my credit bureau file i try to let XXXX XXXX XXXX  know that i never own any XXXX XXXX XXXX card but they reply that they bought the debt from XXXX XXXX XXXX and they are not going to remove it from my credit file i ask them for a contract or any papers that i sign up for a credit card with XXXX XXXX XXXX and they could not provided it so please asking CFPB to get XXXX XXXX to show some prove that i owe this debt of {$1000.00} if not please remove it from my credit file thanks very XXXX XXXX address XXXX XXXX XXXX XXXX mnXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX my roommate and I contacted Freedom Mortgage about completing an assumption because she was moving out. We are both owners of the loan and she wanted her name to be removed. They ignored us for two months and then told us to contact them by email with a request. When someone finally called us in late XXXX, XXXX they told us what to do, and we did it. We didn't hear anything back from them and on XX/XX/XXXX, we sent in a request to start a forbearance. When I asked again about the assumption process I was told that since I requested a forbearance I could no longer assume the loan and once the forbearance end we can start the process. Every time we called we were told something different. We got approved for forbearance in XXXX, XXXX and we were set to come out in XX/XX/XXXX. We did exactly that and the balance at the time was {$10000.00}. We received a letter on XXXX from the underwriter and nothing after that. I called Freedom Mortgage at least XXXX times a month and sent emails because we didn't receive paperwork about coming out of forbearance. In XX/XX/XXXX the balance was now XXXX, after multiple attempts to get answers we were told that the underwriter messed up some numbers and that our paperwork had to be redone. ( which meant no assumption ) We finally received our paperwork on XX/XX/XXXX and the balance was so high because of THEIR mistake that we were forced into a modification. We now have a deferred balance of XXXX. The company the balance went to in Oklahoma  is a company that doesn't answer the phone or emails and has no website. I was approved for funding on XXXX XXXX by the Texas  Homeowner assistance program they called Freedom mortgage a couple of times and they never sent the proper information and never responded to me or THAP and untimely I got denied for their lack of response and was forced to pay into the only option which was a modification for XXXX. I've tried everything to achieve an assumption and each time it was always something. I asked about paying the XXXX balance because that was the original end date and I keep getting told that I can't do that. They aren't doing anything to help me and all I'm asking is to have something that's already mine.

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 2022-07-15
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a XXXX through the XXXX  store, which uses comenity bank to process everything. About 3-4 weeks ago, I couldn't log into my account online to view my transactions. There was a message that there was a system update that was taking longer than expected and they were working to correct the problem. 
I moved about three weeks ago and have been trying to update my address on my account, but can't log in because it doesn't recognize my laptop ( my computer isn't set up yet because of remodeling in our office ). Normally, I can have it send a text or an email to verify the device. I've tried several times to have it send me a text or an email and I never get either one. 
Then two weeks ago, my card started to decline when I tried to use it, despite having paid my balance in full on time and not being anywhere near my spending limit. Every time I tried to call the company, I would verify my account, go through several prompts, then be told the office is temporarily closed. I tried the number on the back of my card ( XXXX ), I tried a number I XXXX  for XXXX  comenity ( XXXX ). I tried every day for several days. Finally, I tried a live chat function on the XXXX  website. They told me to call the XXXX number. I repeatedly told them I had already called that number and just got to a message that said " Our offices are temporarily closed ''. Finally they told me to call XXXX XXXX directly and have them transfer me to comenity. I called both XXXX and XXXX before the chat was disconnected. I've tried calling again today with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a checking account with Wells Fargo. 
I have requested many times verbally over the phone to decline overdraft coverage, because I can not afford the overdraft fees. But they refuse to put it in effect. The last examples I have are from XX/XX/XXXX they charged me {$35.00} overdraft fee for a XXXX  transaction. That is extremely incorrect because they will not allow a XXXX  transaction unless the funds Are available. On XX/XX/XXXX the same thing happened again, Wells Fargo charged me a overdraft fee of {$35.00} for a XXXX  transaction. I have contacted them via their phone customer service with no luck. I also spoke with branch representative on XX/XX/XXXX and was told nothing can be done. The fees are a complete ripoff.

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 2017-05-25
Company: EQUIFAX, 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:
There are mistakes happen in my report, I have never paid late these accounts :   XXXX   XXXX    XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX    XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  -  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief