BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-11
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened my checking account on XX/XX/19 under the ' {$200.00} Checking Bonus ' for new accounts that receive a direct deposit of {$500.00} or more within 60 days. BBVA confirmed my qualified direct deposit posted on XX/XX/19 and the 90 day qualification period runs through XX/XX/19. 

I have not received the {$200.00} bonus promotion in my checking account at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-18
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
BBVA reported a delinquent payment of my mortgage to credit reporting agencies. I had autopay set up on my account. When the funds ran low, I replenished money in the account. My service agreement with BBVA state that they then have the discretion to pull the funds for the payment. However, they did not pull the payment despite funds being in the account and did not notify me that they would not be pulling the funds and instead counted this as a late payment despite the funds being in the account. Their representative XXXX XXXX berated me on the phone and lied to me about BBVA 's discretion to pull the payment. When I confronted her about the lie, she escalated to her manager XXXX XXXX who closed the case without ever speaking to me. I recorded our conversation with XXXX 's knowledge where she denies lying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: World Omni Financial Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ex wife missed a payment I was the closest signer on the loan I was never contacted by the XXXX XXXX XXXX about the missed payment. I viewed my credit report and noticed the late payment I called and had to make a payment out of my pocket on a vehicle that I was not using. I asked them to remove it in good faith from all 3 credit bureas in good faith and they didnt even have any empathy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a certified letter to all three credit bureaus, to have an investigation done about this hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/18. It's been well I've r99 days and I've heard nothing yet. Which violated the FCRA, law that credit bureaus must report accurate information and respond to consumers within a timely manner. This hard inquiry has caused a great hardship on my life i've been denied home loans and credit and my credit scores dropped drastically because of it.

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 2018-12-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received a check from my job on XX/XX/XXXX, and the teller refused to cash it. She said it was from XXXX  XXXX XXXX and she could not cash it. She said if I took it to XXXX XXXX XXXX which is directly next door to Citizens Bank I could cash it for free. I was charged {$8.00} fee because I do not have an account with XXXX  XXXX XXXX. The teller at Citizens could have cashed my check, I have direct deposit with my work checks every 2 weeks. This is another example of how the tellers at this bank go out of their way to cause me fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for a store credit card at XXXX XXXX in XXXX, MD which is serviced by Wells Fargo. They claimed that this card was no interest for the first 12 months. Over the course of the next year I made payments as agreed upon and at the last 3 months paid 600+ to make sure that the balance would be paid off before interest was applied on XX/XX/2018. 

I sent my bill pay form XXXX as usual and the check was received by XX/XX/XXXX for {$660.00} which was over the balance by XXXXcents. I logged on severally but the payment was not applied. I called my bank to check what the problem was and they provided a receipt that payment was sent and received on time. 
That is when Wells Fargo reps started calling me for payment and I told them i had already paid. I have all the call logs of this. They sent me to another department and i have been working with 'XXXX '' from XXXX XXXX XXXX. She asked me to fax her proof of payment and I did, twice. 

This morning about a week later, XXXX called and said they would not honor my payment because they did not cash it. I got to my computer, paid {$660.00} which was the original outstanding balance and let her know that I would file a complain with the banks ( wells Fargo, XXXX ) and with the Federal Trade Commission as this seems odd that only the last payment went missing and i used the same method to send payment. 

I have also asked Wells Fargo to close the account as this is my 2nd time trying business with them unsuccessfully. I believe this is unfair practice and if the account was truly no interest the payment would have been cashed without issue. I believe because i was able to pay off the balance, wells fargo " lost " the final check so as to apply $ 700+ interest on my account. 

I am writing to seek assistance in closing this account and in making sure that they do not have detrimental effect on my credit report. 

Thank you for your time and assistance on this, XXXX XXXX ( XXXX ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-12
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls starting at XXXX XXXX until XXXX XXXX  from various numbers. I purchased a bed and dresser from CONNS back in XX/XX/2015. I was making my regular schedule payments up until the beginning of this year due to an unforeseen hardship. Since It was merely a small balance remaining, I requested a payoff. The company refused and wanted me to continue paying the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX servicing keeps incorrectly showing my account as being late. 
They recently transferred my account to XXXX, in the process of switching account they reported that I was late in XX/XX/2019. This is incorrect as I have paid my mortgage payment on XX/XX/19 for the XXXX payment. 
I tried to dispute this with Experian, but they keep denying my request even with a copy of my payment history that clearly shows that I am not 30 days and did in fact pay my XX/XX/2019 payment, and my XXXX and XX/XX/2019 payments.

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 2019-07-11
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Account XXXX XXXX. 

Ally banks call center supervisor XXXX refused to provide me with the necessary information that was required for my banking needs. 

I called and asked a bank representative to add in my external bank account details. Later I found out that the representative put the wrong external bank account details. 

I called the bank and I was told the bank will send two small deposits to my external bank account for verification. I was confirmed that this two small deposits will now be marked as a default transfer as the bank account details are incorrect. ( something that is not my fault ) A supervisor named XXXX took the phone call. I asked her what the banks criteria is for next business day delivery for ach transfers and if this wrong account numbers put by a bank representative over the phone will affect that criteria. XXXX refused to provide that 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 2019-07-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX, Is very upset that the credit bureau place negative things on my credit after I had send them my police report and My identify theft report they remove it and place it back on my credit with out my consent. I am very upset I have been getting turn down for credit. I have no knowledge of this debit they are trying to collect on. Please help me. I just don't understand how all three credit bureau take things off my credit and place it back with out me knowing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to dispute a fraudulent charge on my account of {$1600.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: AZ
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:
I was checking my credit report and these accounts still on. 
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The company World Finance was told during initial process by any means do not contact my employer. They called on XX/XX/XXXX for the 3rd time. When I called their corporate I was advised it was in fact noted to not contact my employer by any means.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: MI
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 have contacted all XXXX credit bureaus as well as XXXX XXXX XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a amount of {$510.00} credit limit ... this is a violation as a " charged Off '' account should not be reporting that ... .look at the XXXX year history it is not uniform across the board which it should be...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Jana Ferrell & Associates LLC
State: OK
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 offered for a pay to delete settlement, they claim I owe XXXX. I offered to give them {$200.00} and {$50.00} a week till paid in full, and all I ask is that the remove the debt and tradeline name from credit report, they refused the offer. XXXX is the first collector I taked to who state that the FCRA would not allow them to remove the account, but he would have me talk to his superviser XXXX, who tried stating that the contract with the credit agencies doesn't allow them to remove validated or accurate accounts, and the FCRA act doesn't let them either, So I called the FTC after I got off phone, the FTC told me that they are wrong there is no federal law that stopes account from being removed from credit reports even if they are Validated, The FCRA just state if you report to credit reports it must valid and accurate, I Then contacted XXXX, and XXXX and the stated they have no contract that restricts clients from removing accounts from credit reports, creditors can remove accounts or add accounts as the choice, even validated accounts, the only requirements is that they report so many accounts to use the system, that to keep the creditor from removing accounts in a contract would violate federal laws. and they don't use contracts, it a user agreement and XXXX sent me a copy for my review, so my offer still stands but I want it in writing from you that upon completion of paying you off you will delete you tradeline name, and I don't want XXXX or XXXX on this because they already started with lies, they said it was recorded so feel free to listen and send me a transcriped of the call, you can email me. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I went online to all 3 credit reporting agencies to lock my credit so I could protect it. I'm trying to improve my scores so I can get a mortgage and want my credit protected. I did not know that by doing this that very day my scores would go up above 20 points in that same day. So, later my scores continue to go up. So, I think ok, now I can apply for the mortgage. I go in again to all 3 agencies and unlock my accounts so the mortgage company can run my credit, and what to my wondering eyes appears but a lower score by 36 and 38 points. I was dumbstruck. I am very angry. Also Experian keeps advertising this Boost program. I go there once a week and try to get on that but every time I try my bank isn't in their system to get in on that program. These 3 agencies are just a racket. Maybe they shouldn't be allowed to be so commercialized or offer programs. I've lost respect for them. Also, when trying to call these agencies you can't talk to a human. It's all automated, so I can't call and complain with them.

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 2019-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CAPITAL ONE- From XXXX, XXXX to XXXX, XXXX, I made numerous reports that my credit card reflected unauthorized charges. I had this card since XXXX and rarely used it as history shows. When I did use the card, the balance was paid off the following month. Attached is a copy of my credit score of XXXX from XXXX, XXXX. I filed a police report, then a restraining order as I quickly realized that this was a man I dated for a few months. It wouldnt have lasted more than a couple dates, but he was not easy to break it off with. I knew was using it because he paid his cell phone bill with my card. When I confronted him, he threatened harm to me and my daughter. He said he had connections with gang members and as I continued to pursue action against him, I started living in fear from the threats he made, he had hacked my computer, made constant drive-bys or waiting outside until police were were called. My credit card was replaced at least 6 times, but that didnt stop his ability to use it. Finally, the credit card company agreed to reverse the charges. But upon receiving my statement in XXXX, XXXX, they only reversed the charges beginning in XXXX, XXXX totaling {$2400.00}! My credit card was maxed from XXXX, XXXX to XXXX, XXXX leaving a balance of {$9300.00}. I only continued making payments in good faith that they would resolve this issue. After they reversed a measly {$2400.00} and as the threats were increasingly real, my familys safety was critical. He evaded being served for the restraining order over the course of several months and I was told that the police couldnt continue to attempt serving him, but that I would need to hire a server. We were living off of food stamps already, so I was was in no position to hire a server. Now they are seeking a judgement lien while I can barely make rent. Shame on CAPITAL ONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, this is a follow up complaint concerning the same company, Citizens bank. please reference my previous complaint # XXXX. I had received notice from you stating that my complain was sent to Citizens on XX/XX/XXXX. On XX/XX/XXXX I received an email from the Office of the Chairman at citizens, from the same woman ( XXXX XXXX ) I had spoken with previously, who denied my claim twice before. It stated, obviously after getting notifed by CFPB, that she was in receipt of my concern regarding a disputed transaction and that she tried to reach me by phone but was unsuccessfulI. I had not received a call, but responded by email that I wasnt sure why she was calling and to respond by email back to me as I could not reach her by phone either!! Which was part of my complaint. Then on XX/XX/XXXX I received an email from CSPB saying that the company ( Citizens ) had responded that they were still working on my claim. As far as I knew and was told by this XXXX XXXX from the Chairmans office, that my claim was denied so that was not accurate. On XX/XX/XXXX in the mail I received an envelope from Citizens Bank, in it was a blank white paper with Citizens Bank in right hand corner and the date XX/XX/XXXX and my name and address heading in the upper left hand corner. A separate piece of paper followed and it was a check for XXXX!? The top part was the non negotiable agent copy the bottom half showed an official check XXXX, dated XX/XX/XXXX pay XXXX to Me with my address. In the memo it said OLB Claim XXXX which is the claim I filed with them, but for XXXX, not XXXX. There was no explanation of why or what this check was for. I contacted someone from your office to see if there was any further settlement deal etc.. and was told that CFPB still had the complaint as open. This appears to be a payoff of some kind and is Not the full amount that I had lost or requested returned. Once again the communication with Citizens is horrible. I appreciate any feed back on this when appropriate thank you.

Company response to consumer: Closed with explanation