BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo Bank occurrence : Emil received " Your available balance reached or dropped below XXXX XX/XX/XXXX. 
Phoned bank fraud number to report bank account opened under my profile. The fraud account was opened with a Different but similar, name, address. Different drivers license.

Fraud dept said my fault because I have 4 other account so bank not responsible to keep another account safe. Fraud said will inform 1 credit company and other 2 will be contacted. Did not happen. Called Fraud dept again with different person, want fraud activity on my accounts. Each Fraud dept gave me different claim number. Fraud dept said my social security has been stolen and is on the dark web and get another social security number. Changed user name and password. Password last changed in XXXX. 
Received XX/XX/XXXX all email Delivery preference changed. Never authorized.Called Fraud dept XX/XX/XXXX. Fraud dept said I should go to no online banking and visit branches and write checks by hand and use mailbox for delivery. Each time contact bank is over 1 hour, given 45 day time frame, 30 day time frame. XX/XX/XXXX email received Line of business executive office with case number. XX/XX/XXXX email Account closure notice all accounts closed by XX/XX/XXXX. XX/XX/XXXX received in USPS debit XXXX  in name and address similar to mine but NOT my profile information bank has. XX/XX/XXXX went into branch location. Closed 1 of four accounts as email requested but only to close ONE account for I need more time to move other 3. BRANCH MANAGER REFUSED CASH TO CLOSE ACCOUNT. Banker wanted my name to appear as the FRAUD account name on cashiers check. Not the name on MY ACCOUNTS. Had to take cashiers check. Not agreeing but no other way to get cash till it first receive a cashiers check. Branch manager emailed higher level in bank of my complaint and on phone. REFUSED to give even first name of person who she had to reach on telephone. WAS TOLD I HAVE TO HAVE A POLICE SUBPOENA TO GET WHO WHEN HOW WHY NAME DRIVERS LICENSE ON MY FRAUD ACCOUNT THAT WAS OPENED. No clue how to do this. Bank NEEDS TO PROVIDE THIS BASIC INFORMATION. Bank accounts was opened over 32 years ago, now being thrown away over their fraud. I notified all 3 credit companies with fraud alert and fraud. This is good only for 12 months. My credit has been frozen for years. Need credit protection to be paid by bank for 5 years. Manager said ONLY WAY TO HAVE FRAUD ALERT ON MY ACCOUNTS I HAVE TO HAVE THEIR BANKING APP ON MY PHONE. I refuse to have any app on my cell telephone that is any way related to MONEY. I do not approve of the fraud or way it has been handled by the bank. Bank failed me repeatedly.

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 2022-09-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple endeavor to tell Equifax that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I made a payment on XX/XX/2021 to my capital one Secure Platinum card from my Capital One 360 bank account. On the same day I allegedly made a cash deposit of {$1000.00} to the different financial institutions. To my 360 checking account. XXXX {$200.00} XXXX $ XXXX {$800.00}. And to my secure credit card I made XXXX XXXX.This was made XXXX on the morning of XX/XX/XXXX. Then I made a payment to my credit card via mobile app for {$400.00}. I was told my payment would be place on a hold for and would be release on the XXXX of XXXX. I had several transactions processing. Both credits and debits. On XX/XX/XXXX on my checkings account history notice that my payment had disappeared. On my credit card it was still honored but on a hold. Monday XX/XX/XXXX a banking holiday. I called and was told the payment was rejected. Even with the transactions pending I had enough to cover the payment. I even had money XXXX to me. On my statements it shows my payment as " a withdrawal of {$400.00} rejected '' on the XXXX when I had {$640.00} in my account. During the time of covid i had no grace period. Never had a payment placed on a hold. So then if my payment was place on a hold. How did i use my it on my credit card? And how does my bank has no record or trail of my transaction but has the rejection of it..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My account #  XXXX  at Bank  of America was c harged a NSF fee on   XXXX     for {$35.00} and I came to know about it via an email later that day, which really should have been sent much sooner than   XXXX   XXXX   that day. Luckily, I retrieved it out of the  SPAM fold er as I have also been receiving quite a bit of fake/fraud emails to click on links for bank accounts. However, the perplexing thing about this is that I when I found about the account balance being less, I called the bank to confirm that if I deposit additional funds today, this fee would not be accessed or go through. I was told that this fee is temporary as long as the funds are deposited the same day before   XXXX   XXXX  , you will NOT be charged this fee. It will not appear the next day.   I did what the bank employee told me and deposited the additional funds to cover the balance, yet I was still charged this fee. So I 'm just baffled as to why I was mis-informed and advised to take an action yet still deal with the consequences. I am not sure what to make of this and feel mis-informed/led when I have my accounts linked and have a Bank credit card as to why I 'm getting charged this fee. The policy is confusing to understand and each banker has their own interpretation about what fees are charged.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple endeavor to tell Transunion that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}

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 2022-09-01
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with 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 authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$390000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 HAVE A MORTGAGE IN MY CREDIT REPORT THE DO NOT BELONG TO ME. I DO NOT HAVE A HOUSE, THIS CREDIT BUREUS ALLOW SOMEONE ELSE TO REPORT IN MY CREDIT PROFILE ILLEGALLY.PLEASE INVESTIGATE WHY TRANSUNION REFUSED TO REMOVE AN ACCOUNT THAT IS NOT MINE. SEE ATTACHED

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 2020-06-22
Company: PNC Bank N.A.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
PNC does not allow their customers to share their financial date with third parties such as XXXX and XXXX even when consent has been given. The banks practice of not sharing information such as account balances and purchase history regardless of consent and consumer request, makes customers ineligible for cash advance services which are especially important in this pandemic when families need that breathing room between pay periods. I reached out to PNC to address this issue but have received no response and the practice of withholding consumer financial information is still currently in use. I am making a final complaint through consumer finance to see if PNC will change their policy. If not, I will be forced to bank with another institution whose actions reflect the best interest of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TD BANK US HOLDING COMPANY
State: LA
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:
Over the last three months, there have been monumental decreases to my account balances, yet my credit scores have not gone up even one point. The last straw is the fact that I just paid off A {$20000.00} CAR LOAN AND ALL THREE REPORTING AGENCIES SHOW IT AS OPENED WHEN THE LOAN AGENCY SHOWS IT CLOSED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00}, XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I received a car loan  through Santander Consumer i n the year of   XXXX   XXXX   and I had Financial hardship due to a pending divorce is  XXXX  issues have got my car repossessed in  one day a nd but then receive car back the same day. I recently went on my credit report because I was looking to purchase another vehicle through a different company and noticed a Santander Consumer had placed and repossession on my record I was not informed that the car was going to be listed as a repossession. When I got my car back from  Santander period now three years later I have at Santander Consumer if they c ould unlist the car as a repossession on my credit report and they have declined to help me. Being that the car is still listed as a repossession on my credit report I am unable to obtain another vehicle in my name because of  Santander Consumer. Santander Consumer have no regards to people with financial hardships and do not care about their customer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX is falsely reported, opened XX/XX/2017, amount 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 2017-04-18
Company: Alliance One, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I pulled a copy of my  XXXX  credit report and learned that  Alliance One sl ammed my credit report  XXXX  different times for the same  XXXX  account. I called them to ascertain what this was about because they have never contacted me, or given me an opportunity to dispute this debt. I was told by the representative that those  XXXX  different accounts actually posting in my credit profile were invoices from the same  XXXX  account. How nefarious can you be? That is like reporting each invoice for a delinquent  XXXX  account. They know better! In addition to that, I do not have any recollection of this debt. They have never attempted to contact me prior to reporting those  XXXX  invoices to my credit profile. I have never been treated by the reporting medical facility. I am insured with   XXXX  . Any medical bills should have been reported to them. This is a serious violation of my rights because this collection agency knowingly slammed my credit report with  XXXX  different entries for  XXXX  account, according to their representative. This was a hideous attempt to hold my  credit score hostage t o collect on a debt. I am requesting that they are severely sanctioned because it is no telling how many other American citizens that have treated the same. When I spoke to  Alliance One, I  adamantly denied responsibility for this debt, and I requested that they not further report this in my credit file. At the time, they were only reporting to  XXXX .  Imagine my surprise w hen I learned that now  XXXX  and  XXXX  have the same manner of reporting in my credit file. This was after they were told to remove it from my   XXXX    profile. Please instruct them to remove this derogatory and erroneous information from all  XXXX  of my credit reports. Furthermore, discipline this collection agency and remove their ability to do business in this industry. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/20 I booked a hotel room at XXXX XXXX online on the Capital One Travel site and was charged XXXX Miles, or reward points, which translates to {$73.00}. Capital One apparently uses XXXX for bookings and I know this, not because of the email receipt from Capital One, but because I viewed the hotel screen when the manager showed it to me. The hotel only charged XXXX {$56.00}, so when Capital One deducted points to pay {$73.00}, they overcharged my rewards account by XXXX points since they only paid XXXX XXXX {$56.00}. When I called and asked that my account be credited for those points, I was told that they can't control what the 3rd party ( XXXX XXXX pays and my request was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CURO Intermediate Holdings
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a letter dated XX/XX/XXXX certified on XX/XX/XXXX to XXXX XXXX collection agency requesting documentation this agency has the right to collect on a discharged debt. XXXX XXXX sent me a letter advising me this collection was assigned to them ; however, XXXX XXXX fail to provide me in writing any written agreement between XXXX XXXX collection agency and Speedy Cash. The information provided was the loan agreement signed with Speedy cash, whom choose to charge-off this balance. I contacted XXXX XXXX by phone on XX/XX/XXXX, to discuss that this item should be removed if they could not give me the requested documentation ( written agreement between XXXX XXXX and Speedy Cash ). XXXX XXXX representative stated their company can't provide that in writing only verbal. After this call and I indicated this amount is not collectible and XXXX XXXX doesn't have the right by law ; XXXX XXXX change the reporting payment to reflect past due which cause my credit score to drop by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account was included in bankruptcy. the amount owed is being posted on my consumer report incorrectly and is causing me to have issues obtaining new credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
In XX/XX/2022 I had written all 3 credit reporting bureaus because I had found some improper inaccuracies on my credit report and if they could please conduct a full review of my file. As of XX/XX/2022 and the completion of their reviews, pulling my credit report myself the inaccuracies are still present. XXXX # XXXX inaccuracies still present, ( dates inconsistent ). XXXX XXXX XXXX XXXXXXXX inaccuracies still present, ( dates inconsistent ). XXXX XXXX XXXX XXXX XXXXXXXX Inaccuracies found, ( condition of account inaccurate ). XXXX XXXX XXXXXXXX inaccuracies still present, ( reported dates, date opened unavailable ) XXXX XXXX XXXXXXXX inaccuracies still present, ( dates wrong ). XXXX XXXX # XXXX inaccuracies still present, ( dates inconsistent ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX inaccuracies still present, ( pay status ) XXXX XXXX XXXX XXXX inaccuracies still present, ( pay status, condition inaccurate ) The fair credit reporting act states, If after any investigation under paragraph 1 of any information disputed by a consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency should, ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the investigation.

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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
It happens today XXXX with Trans union credit Kindly request to removal hard inquiries that I did not authorize and the customer representative was rude and not proactive.

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 2022-03-06
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:
In accordance with the Fair Credit reporting act XXXX XXXX  # XXXX, account # XXXX, account # XXXX, account # XXXX # XXXX account # XXXX account # XXXX account # XXXX has violated my rights 15 U.S.C 1681 SECTION SECTION 602.A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION SECTION 604 A STATES SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation