BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX XXXX Noticed bank overdrawn - {$880000.00} XX/XX/XXXX XXXX Call BofA Customer Service . Said nothing they can do. Have to call this number XXXX XXXX XXXX XXXX. Straight to Voicemail. A voice of a Guy asking to leave name and number. 

XX/XX/XXXX XXXX Call BofA Customer Service. Said nothing they can do. Will transfer me to the Protective Services department. Hear a voice message suggesting closing the account and open a new one. Also to call XXXX if I have any questions regarding the voice message. 

XX/XX/XXXX XXXX Call XXXX. BofA rep XXXX ( Client # XXXX  ) says nothing she can do. An internal investigation team will call me in a few days. Suggests going into a physical branch to expedite resolution. 

XX/XX/XXXX XXXX Try to go to BofA @ XXXX XXXX XXXX XXXX , CA. It is closed on a Friday. 

XX/XX/XXXX XXXX Try to go to another BofA branch. Said have to wait 2 hours to see a personal banker. Cant wait that long. Have to go to work. 

XXXX XXXX attempted to go to BofA. The line was out the door. Asked a rep if I can talk to a personal banker. Said no one available today. Rep made an appointment at the neighboring branch for XXXX. A rep at the new location said there was nothing she can do. Called higher authority and said that I have to wait for a letter which will tell me what my options are. Rep said they sent out on XX/XX/XXXX. 

XXXX XXXX Called XXXX Bofa XXXX ( Preferred ID # XXXX  ). XXXX transferred to a different department. XXXX in Arizona from ( The know your customer contact He said the wrong department. Will need to transfer again. XXXX from ( Account closure ) Account is being under review. Call back sometime next week. Transferred to XXXX to add the unit number to address. Missing unit # XXXX. Reaching out to the risk department to resend the letter with the correct address. Transferred to the wrong department. Hung up XX/XX/XXXX XXXX Called Risk Department currently under review for a loan that I received in my account For {$22000.00}. Requesting time to work on the case. 

XX/XX/XXXX XXXX Account still frozen. Called XXXX and waited 30 minutes. Told nothing they can do and this was an issue in the investigative department. Was also told that they dont send letters and that they will call.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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 non-monetary relief
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: NC
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:
Ive asked XXXX numerous times to remove XXXX XXXX XXXX Im not aware of it Ive spoke to them and They said I had to report it Ive spoke to equifax and they saying the same thing its a car on my report I have no clue about I just graduated college and my school loans should be the only thing on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX, I opened a high yielding savings account with ING Direct. In XXXX, Capital One purchased my account through a merger and renamed my account a " Capital One 360 Savings Account. '' At the time, Capitol One XXXX XXXX XXXX sent me a letter that pledged : " our commitment to you is staying the same. '' He specifically promised that after the merger Capital One would still be offering " great features and rates that we know are important to you. '' Over time and following market conditions, Capital One gradually lowered the interest rate on my 360 savings account until it reach a low of .3 % in XX/XX/XXXX. But as market conditions changed over the past 3 years and interest rates rose, Capital One never raised the APR on my account. Instead, around the same time they froze my variable interest rate at its lowest point, they created a new savings product with a higher APR and deceptively similar name : " Capital One 360 Performance Saving. '' They did not notify existing customers about this new savings product and made sure there was no mention of it in the App, which all existing customers are encouraged to use. 

Locking in existing 360 customers at a .3 % APR when market conditions have changed drastically and interest rates have risen precipitously while creating a new product with a deceptively similar name that pays a much higher APR is a far cry from keeping its promise to former ING Direct customers. 

I have filed 2 previous CFPB complaints about this issue and am completely dissatisfied with Capital One 's response through their representative, XXXX. They have been stealing from customers by not paying them the interest they are owed and in the process will destroy Capital One 's good will and reputation for customer service. I just found out today that a lawsuit was filed against Capital One regarding this issue. I'm looking forward to seeing what a jury thinks of their fraudulent and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: MA
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, 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 an 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 2023-11-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, I did an investigation on my credit report wich caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are violation of not reporting 100 % accurate.

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 2022-06-24
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
On XX/XX/2016 My personal information was stolen and used to file bankruptcy. I don't know how my information was stolen, I have not given my info to anybody nor have I authorized the court reporting this to me to file a bankruptcy on my behalf. The fraudulent Bankruptcy is listed below. 
XXXX XXXX XXXX  XXXX XXXX XXXX  Filed on XX/XX/2016 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 2022-06-06
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Good day Wells Fargo service specialist. I typically turn around my compliant within minutes due to the obvious lack of a rear concerned effort to try and resolve my complaint, but due to an actual well-crafted response I had to make time to go over the response with some advisory professionals. That along with the CFPB system being down for a few days delayed my complaint submission until now. My complaint regarding my credit report is pretty straight forward. The property known as XXXX XXXX XXXX XXXX XXXX XXXXXXXX was foreclosed on, which to this day lease the only blemish on my credit report. I contest this negative reporting due to the many cases of mishandled loan modifications, intentional or not, at the hand s of Wells Fargo. It is my contention that special consideration should have been provided to me due to the highly toxic and predatory nature of the then PICK-A -PAYMENT loan that was peddled to millions of unknowing victims. Yes in XXXX my XXXX requested was denied due to having a housing expense of XXXX  % of my total income and a debt to income ratio of XXXX %. However these non-qualifiable numbers came about from being forced into a state of fiscal survival and life changing sacrifices to me and my family. For starters when originally approved for a loan modification back in XXXX of XXXX by Wells Fargo it was at a time when my housing expense and debt to income was at the brink of fiscal collapse and Wells Fargo knew this. Did they offer me a step down modification plan that could help me through this difficult time... No Wells offered me the same XXXX interest terms and conditions that got me in this mess to begin with and to add insult to injury all overdue back payments, interest and fee would be place on the back of the proposed modified loan. XXXX me once shame on you XXXX me twice shame on me. Needless to say i was left with little choice other than to decline the so called modification, which only was altered enough to prevent immediate foreclosure proceedings, and take seek legal guidance. Above all, it is this XX/XX/XXXX modification that I contest as being the most damaging and yes unjustly corrupted. If need be I'm prepared to take these so called modifications in front of a judge and jury and see if in fact that I was unjustly targeted and treated by Wells Fargo. I know this to be true because I've had years to do very diligent research and I know factually that I was victimized by Wells Fargo. 
XXXX Account # XXXX XXXX XXXX Trick-A Payment loan

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase XXXX XXXX just continued to charge interest & late fees on closed accounts without informing us, resulting in non-transactional charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

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 re
port 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 non-monetary relief
Consumer complaint received 2022-07-03
Company: Google Compare Credit Cards Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX has changed their app security and is putting millions of customers at risk. There is a digital wallet on the app store that can easily be scammed now. The app permissions in app details has been removed and the only details regarding security come from the developer, which malicious app devs will lie about. This will lead to various scams. The supposed data safety is just whatever the app dev says and even the encryption is not verified, so anyone can lie and say they are storing in the best encryption while selling financial data hacked from the phone as we do not know permissions an app is using. Many malicious permissions can't even be disabled in settings, like run at startup and run in background. It is easy for XXXX to list these permissions as it is in the app manifest, and they obviously removed to try getting cautious users to download app with unnecessary permissions that may be malicious. 
Please force XXXX to add the permissions requested for an app to the app details in the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 I made a purchase at the Best Buy location in XXXX, XXXX. The store address is XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). I walked in, asked to purchase a pair of XXXX XXXX XXXX XXXX XXXX. The female associate asked for my phone number and I gave it to her. She then confirmed my name and told me the total. I inserted my bank issued credit card and left the store. Afterward, I received an email from XXXX XXXX saying there was a hard inquiry from Best Buy and their issuer, Citibank XXXX. I noticed the inquiry in my dashboard, and also saw that my score for XXXX had dropped XXXX points. First, BestBuy was contacted and instead of being helped, the call was left on hold for 30-40 minutes. I proceeded by calling CitiBank, and they said I have to contact the Best Buy Credit Card number. I then contacted the number they gave me and requested for them to contact the bureaus to say that it was fraudulent. I was then told to contact the bureaus directly, and was given their phone numbers. I proceeded to contact XXXX, and was unable to get in touch with anyone and their automated system does not allow reports of disputes. I also tried to go online to report and was told that I am unable to do so online after creating an account. I am trying to resolve this but I am being given the run around for something that should have never happened - I was never asked at any point if I was interested in applying for a card, I was never told I was denied, and I'm appalled that one of the biggest electronics retailers is allowing their associates to conduct fraud.

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 2022-07-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have several bank accounts with USAA including XXXX that I share with my son and one I share with my sons father which is used to transfer child support payments and cover purchases for my son. On XX/XX/2022, I attempted to withdraw cash and the ATM said I had insufficient funds which I know is incorrect because I had just checked the account the day prior. When I tried to contact customer service using the chat feature it did not show that the accounts existed and said I did not have any accounts with USAA. When I attempted to call, I was immediately transferred to another line without explanation to speak to a XXXX and have thus far been on hold for XXXX hours waiting to find out what the issue is. I have received no communication whatsoever from USAA about why this is happening and can not access my funds or any accounts. It is clear based on the hold time they are aware there is some problem, and I feel it is wrong to withhold access to all of a customers resources without explanation. It would be appropriate to send a electronic notice, text message or other communication letting people know if there is a technical issue or any other reason their funds can not be accessed. This problem is very bad timing over XXXX of XXXX weekend when many families are traveling and the fact that USAAs customer base is the military and veterans makes it all the more appalling. As a XXXX veteran of XXXX and XXXX, it feels like a slap in the face to be treated this way by a veteran-friendly bank over XXXX of XXXX weekend.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: TX
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

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