BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-26
Company: Early Warning Services, LLC
State: NM
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Numerous banks and credit unions offer peer-to-peer interbank payments. My credit union uses an intermediary that operates under the trademark " XXXX '', while a number of the largest banks use ( and apparently own ) a intermediary called clearXchange. In spite of the fact that the transfer is an ACH transaction, the payment takes 3-5 *business* days. Of course, the banks withdraw the money from the pay-from account on the first day of the period, finally paying on the last. This is an all-electronic transaction and there is no reason for it to take more than 24 hours ( if that ). Furthermore, since the funds are verified and debited at the initiation of the transaction, there is no valid reason to put a hold on the deposit at the receiving account. 
These slow-rolling tactics appear to be common across all providers of this service. The only reason for the slow transfer is to take advantage of the float. These sorts of practices should be banned!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a copy of my Employment Date Report and on the report it stated that I had been an employee of XXXX XXXX, XXXX in XXXX, PA in 2013. I am from XXXX, CA and was attending XXXX XXXX University, XXXX during that time. I have never lived nor worked in Philadelphia.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called AmEx in early XXXX, because I accidently paid two balance in full payments, the alert made me jump out of bed early in the morning. I called AmEx immediately, expressing several times that I am just waking up and to bare with me. You'll hear this on the call. 

Everything was great with the refund. We end the call, and she throws a really attractive upgrade offer at me ( early in the morning ) so I said let me think about and I'll call back with a " no problem '' in response. The upgrade is nowhere to be found and I'm heard it was DECLINED?! This is extremely deceptive of AmEx.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Staunton Financial, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 around XXXX, I was contacted via email by XXXX XXXX from John Adams Mortgage Company regarding refinancing my existing mortgage. The email from XXXX XXXX was unsolicited, as I had not previously contacted XXXX XXXX nor any other representatives at John Adams about refinancing. 

I replied once to XXXX XXXX 's email on XX/XX/2022 that I would be interested in exploring refinance options and asked what my options would look like. By XXXX, I received a refinance quote from XXXX XXXX XXXX Within minutes afterwards, I was notified that a hard inquiry was done on XX/XX/2022 by mortgage lender XXXX XXXX. 

This occurred within an hour of XXXX XXXX 's unsolicited email about a refinance opportunity. I was never informed that this would involve a hard credit pull, nor did I ever consent to XXXX XXXX or anyone at John Adams doing a hard inquiry into my credit. If asked, I would not have consented to a hard inquiry. 

My conversations with XXXX XXXX on XX/XX/2022 were exclusively over email, which I have uploaded with my personal information removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Years ago I received threatening and hang up phone calls concerning some debt I allegedly owed followed by correspondence from a law fi rm ( glorifi ed debt collection agency ). If I remember correctly, I replied to the correspondence with a request for proof of the debt. No such proof was ever received. Now, years later, the debt collector/law firm has apparently obtained judgment to garnish wages. What 's going on?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: BANK OF THE WEST
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of the West was asked to submit an itemization concerning the breakdown of figures for a mortgage Reinstatement and it was discovered that payments in the amount of {$5300.00} had not been properly credited. Additionally, the P & I payment was {$760.00}, representing an overpayment from XXXX, 2006 of {$490.00}. 
I was previously provided statements from XXXX, XXXX XXXX showing that the legal fees charged back to me were incurred after BOW continued to accept my monthly payments. This is in direct violation of Nebraska statutes regarding the acceptance of mortgage payments after default. These fees are not legitimate or collectible in the amount of {$1500.00}. 
The appraiser called me and said that he must have access to the inside of the property for an appraisal for BOW. I informed him that the mortgage was being reinstated and that he was specifically denied access to the inside or the outside. The appraisal fee in the amount of {$370.00} is fraudulent. 
In addition, BOW forced an insurance policy on the roperty where there was already XXXX in place charging {$1400.00} for it increasing my claim to {$9100.00}. 
BOW previously provided figures to this agency in a related complaint none of which included the return of overpayments collected by them and the records further provided by them proves they did not. 
BOW has now, subsequent to the previous reporting against them, charged {$230.00} in junk fees to my personal account. Note that after a check was paid, the balance was positive XXXX. This is subsequent to my previous complaint to your office. The information above is new information regarding the previous complaint to your office. 
Your review of this matter is greatly appreciated.

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 2022-04-10
Company: SYNCHRONY FINANCIAL
State: PA
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:
CFPB Case # - XXXX I was promised the inquiry would be removed from my credit profile and it has not been removed.

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 2020-03-25
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: Account status incorrect

Complaint:
XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Received alert on credit report on XXXX/XXXX/XXXX regarding negative info from Allied Collection Services Inc.. I looked up number for this company and called them. I stated to them I have no knowledge of this debt and was never notified regarding this debt because Inever received anything in the mail. They told me the debt is from a company called XXXX XXXX regarding a payday loan inXXXX of XXXX. They said a letter was sent out to an address that I lived at more than 10 years ago. I asked them to send info in the mail. I received the info today and it states the account has been updated to to show as disputed. Not Acceptable!!

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 2017-03-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
USAA has decided to give me " limited access '' to their services. Being an online bank, I no longer have the services available to me that I need. For example, they 're reporting on my credit when I no longer have a credit account with them. To dispute this I need to access their online site to get the dispute form. Because I do n't have access I ca n't get the form to dispute the charge. Catch 22. I should have access to at least the most basic forms. USAA has a habit of doing nasty things to customers it finds as subpar. Never mind that I 'm a veteran. they 're really only care about money, and how to get it from vets. Their actions speak louder than the lovely sound bites they put on the radio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This has been disputed but no response as of yet.

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 2020-03-25
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
As of today, XX/XX/XXXX, I have called JCP Credit customer service to find out why I have not received a XX/XX/XXXX statement. I was told a statement was mailed to me. I receive paperless statements, XXXX and XX/XX/XXXX included. I advised I do not understand how nothing was sent for XXXX. I requested a supervisor and she stated that because XXXX and XXXX payments were not paid on time, they decreased my credit limit without notifying me for the exact amount of the {$300.00} payment I made on XX/XX/XXXX. My original credit limit was XXXX. I discovered after reviewing my account that it was decreased to XXXX. The difference is {$300.00}, the same amount I paid to make the account current on XX/XX/XXXX. I also made an additional {$50.00} on XX/XX/XXXX. I do not understand why I was not notified of the credit limit decrease. I was told by the rep it was because I missed 2 payments. Does not make sense to me. Prior to, my payment history was perfect. I requested to have my account set back to the original XXXX credit limit and I was told I need to apply for the credit limit. I stated that is unacceptable. How were they able to decrease my credit limit by the exact amount I chose to pay.

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 2017-05-24
Company: Experian Information Solutions Inc.
State: NJ
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:
The following items need to be deleted :  XXXX   XXXX  : Account Number  XXXX  - This is a duplicate account, please delete from my credit report.      XXXX   XXXX   XXXX   XXXX  :  XXXX  - This account should have a  XXXX  balance. It was refinanced with  XXXX   XXXX . The current balance is {$14000.00} which is incorrect.

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 2018-05-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
During XX/XX/2017, XXXX XXXX  negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX  XXXX XXXX to help. To this date, XXXX XXXX XXXX have not been successful either. Please resolve.

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 2022-04-10
Company: CITIBANK, N.A.
State: NY
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:
on XX/XX/2021, CBNA gave me a inquiry on my report and i didn't create nor authorized this inquiry on my report. This inquiry is fraudulent and i want it remove immediately. 

15 USC Code 1681b violation furnishing reports in connection with credit transactions not initiated by consumer CBNA XX/XX/XXXX XXXX Remove this item immediately

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 2019-11-29
Company: Experian Information Solutions Inc.
State: OH
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 a victim of identity theft and I have attempted to dispute inaccurate items on my credit report due to identity theft. I reached out to Experian ( via certified mail ) in XX/XX/2019 and XXXX 2019 to dispute inaccurate items reporting in my credit file. In XXXX 2019, my dispute letter was completely ignored and I did not receive a response from Experian. On XXXX XXXX, 2019, I contacted Experian and spoke with a male in consumer relations that specifically handles my credit file. I explained that Experian continues to report an inaccurate address, inaccurate accounts and an inaccurate public record. I have two identity theft affidavits with police reports on file with Experian and the gentleman insisted that I obtain a new police report that does not contain an online police reporting system as he stated Experian policy does not accept such reports. However, I disputed the information I received from the gentlemen as consumer regulation does not state such information and most enforcement agencies only accept theft reports online. During the phone conversation, I disputed a inaccurate address listed along with a bankruptcy reported with an alias of XXXX XXXX that does not belong to me. Experian refuses to remove and block this information from my credit file as an identity theft victim in accordance to the Fair Credit Reporting Act ( FCPA ) ; 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. 

I have included all inaccurate and fraudulent information included in my credit file that should be blocked and removed from my credit file.

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 2020-07-23
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a checking account with PNC bank. The account came with Overdraft Protection. It says this is an " opt-in '' service but I was automatically enrolled and did not want this service and I instead had to opt-out of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
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:
In accordance with the Fair Credit Reporting act Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Wells Fargo credit bureau reporting practices are discriminatory. Wells Fargo is purposely reporting incorrect high balances with the intentional purposes to negatively affect XXXX consumers. Every month for XXXX years Wells Fargo has reported an inaccurate high balance. For the past 12 months WellsFargo has reported a high balance of {$990.00}. My high balance has actually been XXXX. My credit limit is {$1300.00}. 
My balance is the second most important factor in calculating my credit score. More specifically, credit reporting agencies look at the ratio of my credit card balances to my credit limits, which is known as my credit utilization. WellsFargo has a history of inaccurately reporting balances of people of XXXX with the specific intent to oppress by affecting their credit worthiness.

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 2016-01-07
Company: SCOTTRADE BANK
State: PR
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
XX/XX/2015. Website is down this morning. Tried to call customer service about this, but no one answers due to inordinately high call volume. Missed out in trading opportunities. Ca n't imagine what a predicament I would be in if I wanted to exit/enter a position. I have found Scottrade 's service to be erratic over the past couple years.

Company response to consumer: Closed