BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/25, I deposited a check {$500.00} via mobile banking on capital one. I contacted capital one on the check was deposited to see if they would be able to release the deposit or part of the deposit earlier than than the next business day hold. Capital one refused to release the funds earlier. I then requested that they void the deposit, so I could take the check else where and get it cashed. The supervisor stated that he was unable to void the mobile deposit. Please note, that we have been waiting on the check for over a week and needed funds to buy groceries for my family and dog food. I only requested {$150.00} to be released. So capital one is holding the check XXXX now until Tuesday in the meantime I have no funds to feed my family. No suggestion to help me resolve the issue. The only thing they could tell me is that I have to wait until Tuesday to get my money. That is unacceptable! They should have been able to stop the deposit if the check had not been process yet. The check on the app states that it is still pending. Future more, the the check will not be processed until Monday. Again no reason the they could not stop the process. Banks should not be allowed to hold your funds XXXX like this especially if the customer calls in a request that the deposit be voided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX : Bankruptcy Reference Number 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 2023-04-12
Company: EQUIFAX, INC.
State: FL
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:
There are 19 fraudulent transactions on my credit report on equifax I called them numerous times about this matter and nothing has been done. They are the only credit reporting company reporting false fraudulent information after I stated there was fraudulent inquiries they all been made on 6 day period. I am willing to obtain an attorney and willing to sue for {$2000.00} each inquiry thats is falsely reported on my report. Thats a total of {$38000.00} I am willing to sue for damaging my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought my house on XX/XX/XXXX and I closed with down payment assistance since this was my first home. They offered me a down payment assistance through a second lien with XXXX XXXX  XXXX XXXX XXXX and it was forgivable at the anniversary # 3 which will be XX/XX/XXXX. I started receiving letters from Wells Fargo trying to collect the money I received at the closing of the home from the down payment assistance for the amount of {$6600.00}. I called them since I was completely in shock at this new information but they don't give me other options than to pay in full this amount. I verified my closing documents and no where to find that I need to pay back at maturity if I don't sell, refinance, transfer, or not use the home as my primary residence. 
I dont know if it had to do with a forbearance due to XXXX but the bank did not advise that this would harm me financially. I believe this is not my error.

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 2023-02-27
Company: EQUIFAX, INC.
State: NV
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 attached the documents showing these accounts should be updated and deleted from my credit report Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Extremely poor fraud response from Amex. Was alerted to a potential fraudulent purchase by text on XX/XX/23, Did not recognize the charges, Immediately called Amex. Employee confirmed the fraudulent charges, and said a new replacement card would be sent out and delivered by XX/XX/23. 

2 days later, I notice all the fraudulent transactions posted on my account .... Try to chat with AMEX representatives online. Received extremely disgusting and completely incompetent representatives who were of absolutely no help. Truly appalled at the level of service that chat representatives provide. Called AMEX after attempting to deal with chat representatives to no avail. 

Spoke to representative and repeated the same facts. Representative asked if a replacement card was already sent. I confirmed that the rep on XX/XX/23 claimed it was. 

After the representative said that the representative in fact did not send out a replacement card! Nor did they appear to do anything about the fraudulent transactions! 
Instead I got an email that I would get a replacement card only on XX/XX/23, in nine days estimated! I was under the impression that an expedited replacement card would already be here tomorrow! 

Would like the phone call and agent to be reviewed the call on XX/XX/23 to phone number XXXX ( AMEX ) from my phone number XXXX. 
The duration of which lasted for XXXX. 

The fraudulent transactions were not dealt with. The replacement card which was " sent '' was not sent. The new replacement card was supposed to arrive tomorrow, just like the AMEX website policy claims, " next day, or few days '', instead it is expected 9 days from now! 

" All call are monitored or recorded for quality assurance and training purposes ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28
Company: DISCOVER BANK
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have had 3 CD 's with Discover Bank for years. Most recently I renewed one on XX/XX/2022. I received a letter from Discover Bank dated XX/XX/2022 advising that they were changing the terms of the deposit agreement and would no longer deposit the earned interest in my XXXX XXXX XXXX I contacted Discover Bank and advised them the arbitrary change in terms was not acceptable to me. Further as we no longer had a valid contract, I requested the CD 's be closed without interest penalty. Discvover Bank declined my request. Subsequently I closed one of my Cd 's and was charged an early withdrawal penalty of {$200.00}. I would like the early withdrawal interest penalty returned to me and the open accounts closed without penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Navy Federal Credit Union ( NFCU ) has informed me that I was denied for a loan due to the fact there was a previous credit card charge off that was paid in full. However, I have no knowledge of such a credit card. This credit card dates back to either XXXX or XXXX. Currently, NFCU utilizes XXXX to view customers credit reports. However, there is no report of such an account on my credit report. Also NFCU has this charged-off account listed on my internal NFCU profile XXXX which is utilized to determine me for future loans with the bank. It has been well over XXXX ( XXXX ) years, and this account is still being utilized to determine my eligibility for future loans with the bank. I have also launched a fraud claim with NFCU, as this is an unknown account to me. The account that is associated with NFCU is for a XXXX Rewards Mastercard dating back to either XXXX or XXXX. 

NFCU has informed me personally that they are maintaining this information within my NFCU profile, due to the fact this information is being obtain from XXXX. The issue I am having is that this information within their internal system from an account that is over XXXX XXXX XXXX and is being pulled from XXXX Credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear Sir/Madam, I am writing to file a formal complaint against HSBC XXXX regarding the delayed release of inherited funds from my late father 's account. I have followed all the necessary legal procedures, and a judge has issued an order to distribute the funds to me. However, despite my lawyer submitting all required documentation to HSBC XXXX, we have not received any updates or progress from the bank, except for a confirmation of receipt. 

The relevant details of the situation are as follows : Bank : HSBC XXXX Legal Proceedings : All necessary legal steps have been taken, and a judge has issued an order to distribute the funds to me as the rightful beneficiary. 
Timeline : It has been almost 8 months since my lawyer submitted the required documentation for the first time to HSBC XXXX, but there has been no action or communication from the bank regarding the release of the funds. 

I am deeply concerned about the prolonged delay in releasing the inherited funds and the lack of communication from HSBC XXXX. I believe this may be a violation of banking regulations or consumer protection laws.

I kindly request the Consumer Financial Protection Bureau to intervene and investigate this matter. I seek your assistance in ensuring that HSBC XXXX promptly releases the funds as ordered by the court. Furthermore, I would appreciate any guidance or advice you can provide regarding the legal recourse available to me in this situation. 

I am available for any additional information or clarification you may require. I appreciate your attention to this matter and your efforts in resolving this issue. 

Thank you for your prompt action and assistance. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: NV
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:
accordance with the fair credit reporter act XXXX  accounts # XXXX, # XXXX, and # XXXX account has violated my rights 15 usc 1681 section 604 a section 2, i also state a consumer reporting agency can not furnish my account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: NJ
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 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. Equifax XXXX # XXXX, Equifax XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX Has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency cant furnish a account with my written instructions. 15 U.S.C.168c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following of information other than records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Chime Financial Inc
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I noticed an unauthorized charge to my chime debit card for XXXX in the amount of {$130.00}. Upon noticing I called immediately but was told to call back due to the transaction still showing pending. I called back once the transaction fully posted. They denied the claim and requested more proof that in fact it was fraud. I called XXXX XXXX on a conference call to confirm I had no business with then still denied my claim. Called again XX/XX/XXXX And spent over an hour speaking to a XXXX by the name XXXX who ensured that was an error and he would get it resolved and asked me to send him via email my phone log to show the calls, which was sent immediately only to be denied within minutes stating there is no issue.. the issue is its a fraudulent transaction over {$100.00} Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: OH
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. 

XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-05-23
Company: Berlin-Wheeler, Inc. (Kansas)
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The collection agency Berlin-Wheeler-k keeps reporting this fraudulent account to my credit report they will remove it then add it back the amount is XXXX they keep reporting it as a new account in collections recently they reported the the account. it read as follows Between XXXX and XXXX a new account is in collections

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: LEXISNEXIS
State: NY
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: Investigation took more than 30 days

Complaint:
I sent a certified dispute letter to LexisNexis, that they received XX/XX/2022. This dispute letter included copys of my Driver ID and a copy of my social security card. I received a letter from them on XX/XX/XXXX telling me they could not verify my identity. I then call LexisNexis and I was informed that letter was a mistake and they were able to start the dispute. I have not received any correspondence from them, so I call today XX/XX/2022. I get told there is nothing on file of any certified letter for a dispute. I mention I'll file a complaint with the CFPB and then the rep just so happens to find my certified dispute letter and then informs me the other forms with copys of my Driver ID and copy of my social security card are missing. The LexisNexis rep then informs me NO dispute was ever filed and that now they will since I stated I file a complaint with the CFPB. The fair credit reporting act, states they have 30days from the time a dispute is filed to investigate and reply back to the consumer. They have NOT done that. They can not just misplace copys of consumers ID numbers and social security cards. They can NOT take a certified dispute letter and hold onto it for a month and then only after getting multiple phone calls finally decide to submit that certified dispute letter to go through the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, 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:
It has come to my attention that my personal data has been compromised. As a result my right to privacy has been violated and Equifax , Inc. is responsible. 

Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: United PanAm Financial Corp.
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are spoofing numbers and calling me repeatedly about my ex wifes vehicle. I believe they are either working for United Auto Credit or they are a debt collector who bought the debt. Ive given them her number and even told them where she parks the car but they continue to harass me. They also call from other numbers and leave me voicemails at XXXX  every night. 

I have received the following call and voicemail from XXXX ( XXXX ) XXXX every night at XXXX for months. 

Transcription : Hello this is United auto credit and we need to speak with you today we are open between the hours of XXXX XXXX XXXX XXXX XXXX central standard time Monday through Friday and from XXXX XXXX XXXX XXXX XXXX central standard time on XXXX  please give us a call at XXXX thank you When they call they will repeatedly call from different numbers every couple of minutes so that even if I block one number my phone continues to ring. I have repeatedly asked them to stop calling me because I cant help them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists, I sent a proof of Validation letter and was not able to get proof that these accounts werent mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation