BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 inaccurate. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX And so with this, the late remarks started 120 days. 

XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 120 XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 150 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/18 my daughter transferred {$450.00} through XXXX for purchase of tickets. She did not receive the transfer as promised through XXXX. 

I received a notice from Wells Fargo that the transaction took place along with a phone number to call Wells Fargo if there were any questions. I called Wells immediately ( within 5 minutes after the transfer ) and they said there was nothing they could do to help with this fraud. 

On Wells Fargo 's website it says Online Security Guarantee covers XXXX transactions when initiated from Wells Fargo Online or Mobile. This is NOT BEING HONORED. 

My teenage daughter worked very hard for that money PLEASE HELP her get her money back.

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 2018-09-11
Company: TOYOTA MOTOR CREDIT 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:
TFS reported incorrect information to Credit Bureaus. I have contacted TFS in XX/XX/2018 regarding incorrect late markers on my account. It took TFS more than two month and multiple communications to fix the problem. During that period TFS reported additional incorrect information to Credit Bureaus of two additional credit markers, one for XX/XX/2018 and another for XX/XX/2018. The car was sold in XX/XX/2018. These additional  incorrect negative credit markers negatively affected my credit history and resulted in credit line decrease for my XXXX credit card. I was on the market for a mortgage and it is also affected my ability to receive good rates. It was a stressful experience. I have attached XXXX  report which show additional incorrect credit markers on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, 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:
On XX/XX/XXXX Equifax was sent a SECOND letter via certified mail ( copy attached ) detailing violations to 15 USC 1681. This corespondence was complete with detailed company names, account numbers, and law violated. A copy of state issued drivers license, and social security card were included. As of todays date Equifax has not responded to any of the items questioned in that corespondence. On XX/XX/XXXX Equifax responded to my first complaint with CFPB that they needed more information despite this same information being given to them in ( 2 ) seperate letters of correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: MI
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 1 : Dept of EducationXXXX # XXXX, Account 2 : Dept of EducationXXXX XXXX XXXX, Account 3 : Dept of Education? XXXX  # XXXX, Account XXXX : Dept of Education/XXXX  # XXXX XXXX Account XXXX : Dept of Education/XXXX  # XXXX, Account 6 XXXX US Dept of EdXXXX # XXXX, Account 7 XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX, Account 8 : XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, Account 9 : XXXX XXXX XXXX XXXX, Account 10 : XXXX XXXX  XXXX XXXX XXXX5 USC 1681 Section 602 ( A ) States I have a right to Privacy.

15 USC 1681 Section 604 ( A ) ( 2 ) States a consumer reporting agency can not furnish an account without my written instruction. 

15 USC 1681 Section ( C ) ( a ) ( 5 ) States No consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information other than records of probation 's or crimes which anti-dates the report by more than 7 years. 

15 USC 1681 ( S ) 2 ( a ) 1 A person may not furnish any information related to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: ALLY FINANCIAL INC.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid my loan off in full. It has been 10 days since the money has cleared my bank and they have not started the process of releasing my title. I called to see if I could do an electronic transfer, certified funds, or bank to bank transfer and I was told I could pay a secondary service like XXXX XXXX and they would process my account faster. I was told the had up to 10 days to start the process of releasing my title and would not give me a set time that it would take once the process was started.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Synovus Bank
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX, 2023 at around XXXX EST I sent a wire for {$610.00} at my Synovous Branch in XXXX XXXX SC XXXX Branch # XXXX and User ID # XXXX ). The wire was being sent to XXXX XXXX XXXX in XXXX, GA. 

When filling out the wire order, the bank employee put the information for the receiving bank branch in the section for the " XXXX '' and omitted the details of the actually beneficiary other than the routing and account numbers. 

Due to this error, XXXX XXXX XXXX returned the wire and no information was included about the account holder 's name or contact information. This information was provided in writing to the bank employee. Furthermore, both Synovous and XXXX XXXX XXXX charged fees so that I lost {$81.00} and the wire was not sent. This error also caused me to incur a {$100.00} late fee for the payment I was making with this wire. 

XXXX XXXX XXXX only returned {$570.00} of the {$61000.00} amount, so in my opinion, both banks have acted inappropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
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:
Between XXXX XXXX and XXXX XXXX, there are excessive inquiries on my credit report for auto financing. These inquires are not permissible. I did not authorize these inquiries, provide any personal information or a signed statement authorizing inquiries. I approved inquiries while auto shopping however those inquiries are not the ones I am disputing. I am aware dealerships will submit applications to multiple financing companies to shop around for the best rate. I did not authorize this and would have never allowed abuse of my credit reporting in such a way. I have reached out to your company regarding inquiry and was denied removal. The unauthorized inquiry has a negative impact on my XXXX XXXX and future opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: MONEY SOURCE, INC., THE
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My refinance loan was closed in XX/XX/2020 and I signed paperwork that the lender did not require an escrow account ; however, the borrower elected taxes be placed in escrow. I did not sign any other paperwork regarding requirements around an escrow account or its removal. I contacted The Money Source in XX/XX/2020 regarding this and was told they saw no reason this could not be removed and they would work with the escrow team on this. On XX/XX/2020 I received a letter from The Money Source indicating removal was approved and all requirements were met that I must return the letter signed to complete removal. On XX/XX/2020, I contacted The Money Source and they now tell me the letter was sent to me in error and I must have 12 months payment history, 80 % or less LTV for escrow removal falling back on the previous letter. I spoke with a supervisor who just kept repeating I agreed to this requirements by signing for an escrow account ; however, these requirements were not displayed anywhere in my closing paperwork. If these requirements were in the closing paperwork I would have not signed them and asked for the loan to be re-done. So to summarize I am being held to requirements that were not presented to me at closing or in signed paperwork. Beyond I do have an approval letter for escrow removal from The Money Source.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX, I opened a Citi Gold checking account and a savings account. Citi had a promotion, promising to pay {$600.00}, if I deposited {$15000.00}, and keep it there for 3 months. 

On XX/XX/XXXX, I made such a deposit of {$15000.00}. 

After 3 months, Citi still had not paid. So I got in touch with them. Citi informed me that when I moved money between the checking and the savings account, it disrupted the continuous clock of 3 months, thus making me ineligible. 

I am writing this complaint because Citi clearly failed to keep its promise, and constituted dishonest marketing. I also demand Citi pay {$600.00}, as they promised when I opened the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-08
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
So. There was a conversion of my bank, peoples United bank bought XXXX XXXX. My bank card on XX/XX/XXXX got shut off, I was unable to check my account over the weekend. I was sent XXXX via XXXX, and then XXXX and XXXX dollars. I then in turn sent XXXX via XXXX and XXXX via XXXX. I spent the XXXX. So I sent that money out without the money being in my account. I have reached out to XXXX and have successfully gotten through and was told it was due to my bank. When I spoke to a bank associate I was told due to the conversion it was not there and they will be resolving my issue by the end of week it was completely bank error and if any fees were incurred to call them. Today I was charged XXXX over draft fee and when I called them I was told it was not bank error and there are no notes on my account. When speaking to a supervisor I was once again told she will try to resolve and call me back but will reverse my XXXX over draft fee but doesnt see anything with the XXXX shell try to make a call to resolve. I am currently unemployed due to the pandemic and XXXX dollars is quite a lot of money to someone who is losing income. Im begging to please get this resolved I need that money to pay my bills to buy groceries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Tax lien {$2600.00} Status Unreleased XXXX XXXX XXXX XXXX {$10000.00} Unsatisfied were both discharged through bankruptcy XXXX XXXX 2016 but still show on my Equifax & XXXX Credit Report. I am trying to get a mortgage loan but need this cleaned up. It took me several days to finally be able to report the disputes. I still can not access my free credit report from Equifax. I had no problem with XXXX, it was resolved in less than 12 hours. I have a XXXX son living on the streets that I need to help with housing. It is vital that the credit reports are cleaned up as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In or about XX/XX/2020, I disputed XXXX XXXX  ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX  requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: WELLS FARGO & COMPANY
State: IL
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:
Between XX/XX/XXXX and XX/XX/XXXX, there are excessive inquiries on my credit report for auto financing. These inquires are not permissible. I did not authorize these inquiries, provide any personal information or a signed statement authorizing inquiries. I approved inquiries while auto shopping however those inquiries are not the ones I am disputing. I am aware dealerships will submit applications to multiple financing companies to shop around for the best rate. I did not authorize this and would have never allowed abuse of my credit reporting in such a way. I have reached out to your company regarding inquiry and was denied removal. The unauthorized inquiry has a negative impact on my credit score and future opportunities.

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: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Between XXXX XXXX and XXXX XXXX, there are excessive inquiries on my credit report for auto financing. These inquires are not permissible. I did not authorize these inquiries, provide any personal information or a signed statement authorizing inquiries. I approved inquiries while auto shopping however those inquiries are not the ones I am disputing. I am aware dealerships will submit applications to multiple financing companies to shop around for the best rate. I did not authorize this and would have never allowed abuse of my credit reporting in such a way. I have reached out to your company regarding inquiry and was denied removal. The unauthorized inquiry has a negative impact on my XXXX XXXX and future opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: EQUIFAX, INC.
State: PA
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:
My installment account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$50000.00} that was opened on XX/XX/2019 is reported in the condition as derogatory by XXXX and XXXX XXXX reporting agency. Also in the comment section, the loan is reported as dismissed. When in fact this loan has been refinanced and " paid in full '' or paid as agreed. I contacted the lender and I have attached a letter from XXXX stating the loan is not being reported as derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I completed the Student Loan Rehabilitation Program on XXXX XXXX XXXX after XXXX consecutive on time payments. I was in default on my student loans and dreaded the calls from the collection agency. I decided to address the defaulted loans in XXXX XXXX. I was told by the collection agency and the guarantor that all negative entries related to the default and late payments would be removed. I am aware that in certain circumstances if you were delinquent prior to entering into said agreement those negative items could remain. That was not the case with my XXXX tradelines that are in dispute. I repeatedly asked both parties to be sure I understood. I made my monthly payments to XXXX XXXX on behalf of XXXX. XXXX had received my loans from XXXX Bank. XXXX STATED that the XXXX Bank tradelines would be updated to reflect no late payments or they would be removed completely because of the Statute of Limitations ( XX/XX/XXXX ). All XXXX of the ( XXXX ) tradelines would be removed as well. XXXX was removed. XXXX will not update the information and as a result Equifax, XXXX and XXXX are stating that " XXXX '' says the information is accurate. The information is not accurate because XXXX is also stating to the XXXX Bureaus I had a late payment in XXXX XXXX. I have not had any relationship with XXXX since XX/XX/XXXX. They refuse to update even after I called XXXX directly as instructed by Equifax and XXXX. The credit bureau representative stated that there is a XXXX balance on my report for all XXXX XXXX entries and the lates will be removed according to their records in XX/XX/XXXX so " you do n't have to wait much longer '' and it is not affecting your score. It is affecting my score because it shows XXXX late payments for all XXXX loans. I do not want to wait 2 months to get information off of my report that should n't be there, I most certainly do n't want to wait two more years. The fact still remains that I have met my on time payment obligation. I paid as agreed and now the credit bureaus should follow the rules and comply as well. It is very difficult dealing with XXXX as a regular everyday working American. I understand that the credit bureaus do n't want to deal with it either, but it is their job to get proof and resolution. They have not done either. XXXX Bank should be deleted from my file. They refuse to provide proper documentation to support what they 're reporting is accurate and this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX has again tried to pull an illegal move again by throwing a very old debt on my credit report. Whats Illegal about it well lets take a look 1. In Texas we have a Statue Limitation Law of 4 years on Debts, which means apparently when this debt was created back in XX/XX/XXXX-XX/XX/XXXX its should be illegel for these people to call my phone or try to collect on a debt that is past the Debt Laws in Texas. 

2. I have talked to XXXX and the time they claimed I had service with them, I have told them I did not I had service with XXXX XXXX at the time apparently after my request not to years ago they left my service on with me not even having any of their equipment in my home. 

Now I will be sending an email to the CEO of XXXX/XXXX contesting this debt that I feel is not owed.

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 2023-02-06
Company: INDEPENDENT BANK CORP.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have an issue with a company that I suspect has sold fake shoes. I was also overcharged and I can prove the company has inflated the price and falsely advertised the shoes as rare. I have attempted to work it out with the merchant, they wont take back the shoes. The merchandise smells like plastic and has an itchy powder in them. My bank has some preconceived notions about me and they are not filing this correctly. So their response was to fight it out with the merchant. I am not happy with this as they are not responding. I have filed a complaint with the Attorney General and XXXX and I feel the bank has a responsibility to protect customers instead of using false judgements against their customers for a legit problem. I didnt authorize the charge via signature either and it is higher than marked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
So I working at a XXXX XXXX in XXXX and I had two gentleman come in and were talking about a promotion that XXXX XXXX was having. This Was about two years ago back in ( 2018 ) .So I was unsure about the promotion and the gentleman reassured me that for any reasons that I could sent the phones back with no charge. They also told me that they would not charge me if I turned my phone on and used it .Just to see what we thought.So we final got the phone 's in after being delivered to the wrong place and we turned them on and use very little data. So I decided to just send back the phones and I called XXXX  and they were ok with that. Then shortly after that I received a bill and I called them and they told me a different story. I was upset that they lied and did not disclose this information to me. So this bill went into collections and I did just pay it but I asked the collections agency if they could please delete this from my credit because this was hurting my credit and the opportunity to buy a home. can you please help me with this please.

Company response to consumer: Closed with explanation