BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have 2 collection accounts on my Equifax credit report. One of them has been addressed on my XXXX report but it is still reporting on my Equifax. The 2 accounts are XXXX XXXX and XXXX XXXX XXXX. I have reached out to them by certified mail but no response. I have no accounts with them and no knowledge of the account. They never gave me proof that the debt belonged to me. No signed contract or anything with my signature attaching me to the debt. They have only harrassed me with payment. I am asking that these items be removed from my Equifax report immediately. I have already reached out to XXXX as well. I am sorry that I had to go this far to address this matter but thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TRANSWORLD SYSTEMS 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:
609a1a of the fair credit reporting act XXXX or Transworld systems nether one of them was able to properly verify the collection account but will not remove it from my credit file. the law is very clear. i have therr letters and there respond saying it is verifed but never showed me no original documents. witch the law states that they have to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: CA
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:
The following credit inquiries dont not belong to me & this is a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loan was as of XX/XX/XXXX was at {$9500.00} ( for XXXX in XXXX FL, was not listed ). My monthly payment due was {$67.00}. Every month to date I send in {$100.00}, and payment has been received on time since XX/XX/XXXX. 

Last week when logging in to my account I noticed my balance is now {$12000.00}. 

When I called to find out why my loan amount had went up, they told me that my interest capitalized do to not renewing my deferment plan. 

However I was also told it was time to renew again due in XXXX. 

So I stood confused as of to how did I get on a new deferment if it had ended. 

The deferment was for the XXXX so shouldn't my monthly payment have just increased to the regular amount had that been the case, being that I send more monthly? 

No one seemed to be able to answer my questions clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
i did not choose the best option. citibank card ending XXXX been a customer for years. on or about XX/XX/XXXX tried making a payment the automated delayed me and heard what i did not say i complained about it on or about XX/XX/XXXX was told i would get a XXXX dollar credit when i called to check i was told no you were given it in XXXX. well then i should not have been promised it but once i was i should be given it and i have not been. as such i am not using my cards any citi anymore til resolved. Futher, i ordered a NEw card replacement on or about XX/XX/XXXX SPECIFICALLY told to mail regular not fast since i was away XX/XX/XXXX to XX/XX/XXXX well they mailed it anyway and charged me and it sat outside my house for a week. i specifically said not to do this and they charged me for it to boot which is illegal esp since specifically not authorized. Credit me XXXX   for my trouble or i go further. period. XXXX for the promise i never got XXXX for a charge i did not ask for is not authorized specifically the opposite and anything you would want for your troubles like me. til then no use at all on any card tired of haaving me time wasted speking to people who cant speak english and being 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 monetary relief
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 # ending in XXXX for XXXX  XXXX, Acct # starting in XXXX for XXXX XXXX, Acct # starting in XXXX XXXX XXXX Acct name 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 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 2017-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Me and my wife are getting pre-qualified offers from Capitol One bank so frequently and they have optout phone number which i did about 6-8 weeks ago. Still didnt stopped and then i called about month ago and still i received this week. They also keep checking my credit report every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX called my cell phone on XXXX and XX/XX/XXXX while I was at work. Did not identify themselves as debt collectors and attempted to get personal information. When I refused to provide them with the information, they threatened to keep calling me until I answered their questions. Then on XX/XX/XXXX I received a dunning notice from them. The notice was backdated to XXXX in an attempt to limit my time to respond and request for verification of debt.

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 2021-03-03
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:
Beginning late XXXX, Wells Fargo began charging my account overdraft fees on XXXX purchases despite money transfers initiated to cover my low checking account balance. It seems that Wells Fargo has begun a practice of back dating XXXX purchases and/or delaying money transfers in order to assess an overdraft fee. This also goes against their own XXXX XXXX policy. I have contacted Wells Fargo at least once per month in XXXX asking for Overdraft Fee refunds. They have given me partial credits for those charges, ranging from a XXXX - XXXX percent refund. The most recent complaint to Wells Fargo was XX/XX/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 2023-06-24
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
This debt does not belong to me. I am a victim of identity fraud in 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For the last year, I have repeatedly received repeated phone calls from American Express ( AMEX ) in attempt to find one of their customers in what I assume is related to debt collection. The company is calling from XXXX. I do not have any business relationship with this company and I have asked them to remove me from their calling list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
Company: STERLING JEWELERS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A few months ago, around XX/XX/2018, the amount of {$1900.00} was taken from my Bank of America checking account. It was through 2 separate transactions, one of {$400.00} and other of {$1500.00}. Bank of America claims that Im responsible for these transactions since apparently my debit card and pin were used for them. I did not make those transactions, I did not take that money out of the account, I did not use that money!!! I needed that money to pay my bills, which are all set up for autopay so there would be no reason for me withdrawing that money!! I have no history of defaulting payments, nor bankruptcy, nor anything! There are many things that couldve happen in this case, like the people that I used to share the house with back then having access to all of my personal information and belongings. I no longer have contact with them since I moved out of the house when some of my stuff went missing. I was also thinking that maybe the card couldve got cloned, so I canceled it and ordered a new one just in case. I honestly dont know why or how this happened to me, I dont know what else to do to prove that this wasnt me. The bank requires documents proving my innocence, but there is no such thing! How to you prove through documents that you got robbed?? I have no idea! Please help me, thank you

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 2021-12-07
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Financial XXXX XXXX store credit card I am only opted in to receive email alerts when my payment is due in two days. I never received an email to make a payment, missed it and was charged a late fee. 

I am not opted into receive text messages about my account, but am receiving texts about my late payment and to make it now. 

I am concerned that they are not sending emails to other consumers so they can charge them a late fee and then report them as missing payments to the credit bureaus.

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 2020-10-21
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
I requested a free copy of my annual credit report in XX/XX/2020. Equifax requested identity documents. I sent them a copy of my power bill with current address and social security card with the page and report number, etc that they sent and asked me to return. They took my documents and never responded. They stopped providing me credit reports several years ago. In fact I have not been successful in obtaining my credit report from them since they exposed MY DATA in the data breach. 

I believe it is a violation of my FCRA rights for them block me from my own credit report like this, repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A check for {$960.00}, written by an insurance company I've never heard of, was cashed ( by whom I don't know ), and for some reason the money was withdrawn from my Wells Fargo checking account ( rather than from the insurance company 's account ). I found out about this after getting an email from Wells Fargo to say my account was overdrawn. When I called to find out what was going on, they looked at the check in their system and it was completely clear to them that this was not my check ( it was not written by me nor to me ) and that the funds had been taken from my checking account in error. However, they refused to give me my money back. Wells Fargo opened a " claim '' and said I could wait up to ten days to get my money back. I was on the phone for two hours and they kept repeating that there was nothing they could do. How is it legal for them to take {$960.00} from my checking account by accident and not give it back immediately?

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 2017-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted by a gentleman named officer XXXX who identified himself as an agent with CFPB He gave me this number XXXX and used your XXXX XXXX address. He informed me that there was a check for me in the amount of {$970000.00} from Bank of America and I was to call the following company to claim my winnings XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, Fla XXXX at this number XXXX I spoke with a man named XXXX XXXX there and he gave me a number for Bank of America to call They were some kind of insurance bond company He gave me their number and instructed me to a certain prompt He informed me not to listen to the entire recording since it was very long and in several languages. I was to call BOA at XXXX and press 3 From there I was to entire the account number XXXX with a pin of XXXX When I did that the recording said there was {$970000.00} in " my '' account. I hung up and called back and tried a different prompt and boith times was cut off I did not use the press 3 again. I then turned around and called Agent XXXX back at the number above and was informed he was not there and would call me back I gave him my name but no number Of course there was no phone call However when I called their recording and information is identical to your offices which I called after trying to reach XXXX XXXX. I did speak with a very nice woman who did inform me that this was obviously a scam and send me the link to report it I am also following up with the FTC

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 2018-03-08
Company: EQUIFAX, INC.
State: SC
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 previously contacted Equifax about 2 closed medical accounts from XXXX XXXX. I received a letter saying the account was accurate and verified. This account is still reporting from the XXXX XXXX the original debtor, but it was placed in collections under XXXX XXXX XXXX so why are Equifax still reporting this inaccurate infomation? I've attached a copy of another bureau 's file that shows these accounts that were placed in collections, were investigated and removed from my file. Equifax has failed to notify me of how they conducted their investigation, who they spoke to verifying the information, the time and date of the investigation, and what company they contacted to validate this debt. Under the FCRA, All reported information by the bureau has to be ACCURATE. I have a problem with this bureau and only this bureau, especially after constantly staying in the media for security breaches. How is their investigation into this matter accurate and the other bureaus resulted in removal of these negative items and a updated credit file. I would ask Equifax to respectfully remove these negative closed items, since I wasn't notified of any of the above actions that lead to a successful verification of this debt. Not validating info submitted to the bureau is unexceptable to the consumer 's rights to obtain a updated accurate credit file.I 'm trying to obtain good credit, and trust again into a once reputable credit bureau, but it seems the consumer has to fight a uphill battle for a rightful reasonable outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened on-line, on the Citibank website promotion offer page, a new packaged checking and savings account with Citibank on XX/XX/2018 using their {$400.00} promo offer. I deposited the required {$15000.00}, new money from a new customer, across the two accounts at a branch on XX/XX/2018. Their requirement to receive the {$400.00} was to maintain that balance for a minimum of 60 Days. After that they would deposit the {$400.00} into your account within 90 days. I maintained the balance of {$15000.00} from XX/XX/XXXX till XX/XX/XXXX, a total of 72 days. I then withdrew {$5000.00} from the accounts, leaving a balance of + {$100000.00} to avoid the monthly service fee of {$25.00} for the two account package. The following month, XXXX, they charged my checking account {$25.00} anyway. After 4 phone calls and arguing they finally gave me my {$25.00} back. Only to do the same in XXXX  but this time they took {$25.00} out of each account. I agreed with the checking fee but not the savings account as I had withdrawn money dropping below the {$10000.00}. I did that because I was scared to death of what this bank is capable of doing. The {$25.00} fee was for the packaged accounts not each account. I did get that {$25.00} back. NOW after fulfilling all the requirements to receive the {$400.00} they are refusing to pay me that bonus because " I didn't do a direct deposit. '' THAT WAS NEVER A REQUIREMENT. They make this XXXX  up and lie to avoid paying the money they owe you after you fulfill the terms of the agreement. Three times in one month Citibank has tried to cheat me out of money. I am a senior citizen living on SS and a small pension and this is what they do to their new customers. What has this country come too. I have attached 15 Files proving all of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-26
Company: Santander Consumer USA Holdings 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:
. I purchased the car from Santander Consumer I drove the XXXX XXXX XXXX XXXX for two weeks, and the dealership called me after two weeks to tell me that I had the wrong vehicle, The paperwork on the vehicle that I had Vin number did not match, so they gave me the wrong vehicle. When I got back to the dealership, the vehicle they tried to give me, I did not want, so I left it there, but its still on my credit report and I can not seem to get it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018, Someone from a forum offered me to a pair of shoes for {$400.00}, I sent {$200.00} to the person via XXXX using my Wells fargo checking account as initial payment, and I will pay the rest once I have the valid tracking number for the shipment in the afternoon. That person told me that the package has been dropped off at UPS. I checked the tracking online, but nothing shown up yet, the person told me to wait for one day. so on XX/XX/18, I checked the tracking number online again, nothing shown up either, so I figured out that the tracking number was fake, it was a scam. and I tried to contact the person, but he never answer my text message or any contacts. I called my bank which is the Walls Fargo to stop the payment, and their representative informed me that the payment can not be stopped because it was finalized already. I told him that I was got scammed, needs to stop the payment to protect myself. he refused and said nothing they can do at this point. I was very frastrated, and asked Wells Fargo agent at least twice about XXXX  transfer, he told me that I will not get my money back. the bank disconnected the call.

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