BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-31
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During the months of XXXX through XXXX, this debt collection was seized and removed from my credit account due to being fulfilled with the company. An ex-spouse had stolen the property, I reported an incident and spoke with the company, then the debt got removed. 

Unfortunately, they re-aged the debt and added it onto my credit account, AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXXXXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO 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 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to  request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 non-monetary relief
Consumer complaint received 2020-07-24
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I purchased a lawn mower on XX/XX/2020 using a promotional offer for 0 % interest for 60 months. The purchase was completed and the merchant initially submitted the charges incorrectly. The charges were submitted and a promotional fee of {$120.00} was applied to the account. The merchant reversed the charges on XX/XX/2020 and submitted the correct purchase amount. The initial promotion fee was not reversed and a second promotional fee of {$120.00} was applied to the account. 

Customer service was contacted upon receipt of the first billing statement and I informed them that a duplicate promotional fee was applied without the first being removed. 

I have submitted disputes online using their online system and I have contacted the bank numerous times, sometimes with wait times in excess of 45 minutes. I advised them that until the charges were reversed I would not be submitting any payments on the account. I have now been charged with late fees for 4 months and I have requested in subsequent calls that both the late fees and the duplicate promotional fee be reversed at which time I will immediately bring the account current. Its is now XX/XX/2020 and none of the charges have been reversed despite numerous conversations with the creditors collections department. They continue to call to request payment and the dispute has been refiled on numerous occasions. This has now cause a significant impact to my credit and has caused me significant stress and a great deal of time addressing the issue. I have not been contacted by any representative who is authorized to make the necessary corrections despite numerous requests and I am still being assessed fees for non payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/20 I paid my monthly visa bill online {$300.00}. On XX/XX/20 Bank of America attempted to take {$300.00} from my checking account. My balance on this credit card was {$0.00}. Do to this unauthorized action my credit union charged me a fee of {$29.00}. On XX/XX/20 I contacted Bank of America to be compensated the {$29.00} the representative informed me I was enrolled in automatic payments and that is why they attempted to take {$300.00} even thought my balance was {$0.00}. On XX/XX/20 I again called Bank of America to have them pay the {$29.00} fee I have incurred on this date they told me that someone went online on XX/XX/20 and made an online payment of {$300.00} when the balance was {$0.00}. I have never enrolled in an automatic payment system and I never requested Bank of America to be paid twice in one billing cycle.

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 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am contacting you again because I requested that a Fraud account be removed for XXXX XXXX from my TransUnion credit report.. I explained that I am a victim of identity theft and that is hard enough but you responded by saying you received my complaint but it didn't appear to have been communicated by me or a properly authorized third party. This is the main reason why I am sending a complaint about this company. It is always some reason why they can't fix my Issue. MY name is XXXX XXXX and I am the one that is sending this complaint nobody else. AGAIN I am asking that you delete this fraud account and these inquries that I did not authorize to view my credit for XXXX XXXX, XXXX XXXX, XXXX card, XXXX and XXXX XXXX. This is the second time I have had to complain. 
This is my third time sending my request. I feel that Transunion just keeps sending computer generated letters. There is no way that a person is looking at this complaint & keep saying the same exact thing. It is against the LAW to report known FRAUD accounts.

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 2017-08-09
Company: WELLS FARGO & COMPANY
State: LA
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:
I have written to the companies to inform them that I did not authorize these inquiries made on XXXX XXXX 2017 from ANY auto finance companies. I was previously approved on XX/XX/XXXX through a different lender and never authorized for my credit to be ran again or to apply for finance through different companies.

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 2021-04-10
Company: JPMORGAN CHASE & CO.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I had received EIP payment 3 from the IRS via check so I decided to walk into a chase bank branch to get that deposited. When I got to the bank, a guy named XXXX asked if I needed help and I told him that I need help depositing a check into my account. When he saw the check, he mentioned that he could stamp this check at the back and I could then deposit it at the atm machine inside the branch and I wasn't comfortable about it and asked him to do it a teller window but he refused so I thought it should be ok since he is confident about what he is instructing me to do. I deposited that into the atm and 2 hours later I got a email saying that the check was rejected due to invalid endorsement so I called the bank manager next day - XXXX XXXX, the most ridiculous guys I have ever talked to. He works at the XXXX branch in MA. He said it was XXXX 's mistake that he stamped at the back and asked you to deposit the check at the machine when he was supposed to do it at the teller window as thats the protocol when it is stamped at the back. This manager guy told me this in a way that he wasn't even ashamed of what happened. I have to suffer for a mistake their employee committed which is so so ridiculous and that guy XXXX hung up on me. 

I need two things here - I need my check back asap and i Need strict actions taken against this Manager XXXX XXXX. 

If not, I am going to make this viral all over the internet on social media, XXXX, XXXX etc and call out chase bank and this manager. When I told him this, he said I could do what i wanted and he doesnt care. I cant believe chase has such people as managers. I need the district manager or someone above him to call me too. I had called XXXX who is apparently the district manager and left him 2 voicemails but he never got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Tango Delta Financial, Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The account trying to collect a debt from me was involved in litigation and filed for bankruptcy under Chapter XXXX. I never took out a private loan with XXXX XXXX college or Under XXXX XXXX XXXX!! This has already previously been removed from my credit in the past but has somehow managed to pop up on my report again and has negatively impacted my hard earned credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: ASSOCIATED BANC-CORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was in contact with an Associated bank phone banker on a Sunday ( I dont have dates due to not being able to log into my account currently ) and was told I needed to go into a branch to dispute unauthorized charges that were on my debit card. The phone banker put a freeze on my debit card that day. I was able to get into a branch 2 days later due to work schedule and there bank hours. I spoke to the branch manager and explained to him there were 3 charges that  were unauthorized for over XXXX with international fees and charges. I signed the form that the banker went over with me and he submitted it to there fraud department. He did say I would be receiving notice of the dispute and that if could take 7-10 business days. I received no notice during the 7-10 days that my dispute was in processing or any form of update throughout the 7-10 days stating that it was in process. On the 10th day I received a notice in the mail stating my dispute was denied and that the charges were authorized based on the information gathered. I then called 2 different occasions and requested that information that was gathered that said I did make those charges. I have yet to receive this information and keep getting the same answer " we sent that department an email. '' I have not been given any information and noone has been willing to provide me a intelligent answer or provided me info regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: EQUIFAX, INC.
State: NM
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Unable to dispute incorrect and fraudulent items on my equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
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: Was not notified of investigation status or results

Complaint:
Equifax is reporting 13 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4 dispute letters to Equifax since XXXX of 2020 asking them to investigate these accounts and I have yet to receive a written a response or see any updates to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-09-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am currently being victimized by Wells Fargo. This is not the first time I have had the same issue with Wells Fargo. I strongly believe they are using illegal, fraudulent, and deceptive tactics to boost sales of its banking and financial products. 
They blocked my cards. Therefore; causing my account to basically freeze for 6 unnecessary days. It's not resolved yet. I'm hoping I receive my replacement card tomorrow. I was promised 24 to 48 hours ( 6 days still no card ). I was promised expedition or rush. I contacted XXXX 4 different agents verified. Wells Fargo did not select weekend or overnight delivery. Only sent with a regular shipping label. XXXX said that Wells Fargo could still have it sent overnight. Wells Fargo, refused. Unable to make outbound calls. 
What Is there purpose? I was lied to by Wells Fargo representatives multiple times. Was treated rudely and disrespectfully hung up on multiple times. They know I have to call back. So that is time consuming and costly. I should be compensated for my time wasted. Wells Fargo, made the decision to block my debit card. Claiming suspicious and fraudulent activity. I was embarrassed and humiliated at a retail store. My debit card kept declining. This same exact situation just happened less than 6 months. With the same merchant XXXX XXXX XXXX " attempting '' to use my debit card. 17 times from XX/XX/21 - XX/XX/21 on just 1 card. Then literally the next day my other card was compromised by XXXX XXXX XXXX. So, currently I have no debit cards. I requested a receipt or something displaying these attempt from XXXX XXXX XXXX with exact dates and amounts. The amounts are all {$0.00}. Dates just told XX/XX/21 - XX/XX/21. I asked for the same info on the other compromised card and multiple representatives were unable to provide me that info. Wells Fargo is victimizing me by claiming there is fraudulent activity ( that they can't show me proof of ) blocking the usage of my account. So far for 6 stressful and unnecessary days. If they are going to make these decisions on my personal account. I should be feeling safe and secure that my debit card will be in my hands 24 to 48hr no matter the day or night. As I was promised. It's all a lie and I feel schemed and unprotected by Wells Fargo.

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 2021-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I made a payment of {$300.00} to Capital One. This payment was made before the payment due date, it was WELL over the minimum payment amount shown on my credit card statement, and it was enough to bring my account balance below the credit limit. 

3 days later, after Capital One took my money, I found out through Capital One that my account had been closed, with no reason provided. I received notification in writing to this effect, dated XX/XX/XXXX, but not received until around XX/XX/XXXX, with the reason cited of " due to activity on this or another account that is not consistent with our expectations for account usage, and violations of the Capital One Consumer Agreement. '' I contacted Capital One for an explanation, and got nowhere. I took my concerns all the way to the Executive Offices, who refused to help me. The main reason they cited was the fact that there were " multiple returned payments '' on the account. Every time there was a returned payment ( 3 times ), a replacement payment equal to or greater than the original payment was ALWAYS made immediately. Additionally, it was determined during a call with the executive team that the issue was on Capital One 's end, and their incorrect transcribing of the account number that the payment was supposed to be drawn from. 

Even so, Capital one refused to reverse their decision. I contacted the executive team multiple times in XXXX, and in XXXX. The most recent time was on XX/XX/XXXX, where I gave them 30 days to correct the issue. They still refused to take any action in my favor on this account. 

This is what I consider Capital One 's final chance to avoid litigation. I am reaching out to the CFPB to resolve this, and also hopefully bring to light their unscrupulous business practices, with the hopes that others will not have to go through what I've had to go through for the past 2 years.

Company response to consumer: Closed with explanation