BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My mother has an account with Regions Bank in XXXX, XXXX  XXXX I was added to her account a couple of years ago to help her as she has failing health. I was called by the Regions Bank branch on XX/XX/2022, I was asked if I had made an electronic withdrawal for almost {$4000.00} on XX/XX/2022. I said that I hadn't and went to the branch to find out what happened. They showed me a copy of a check with my mother 's account number on it, but a fake name, address, and email address on it. I was speaking with XXXX XXXX and as she pulled up the account, she realized that there were other checks starting back around the middle of XXXX. My mother 's account was completely drained of {$56000.00}. She doesn't receive statements in the mail or email statements. She doesn't even have a computer. So, we didn't know the fraud was going on. The bank never caught these transactions, so they continued to happen until all of her money was gone. 
I filed a fraud report with XXXX XXXX and a police report with the XXXX Police Department. I also filed a complaint with Regions Customer Protection Center in XXXX, AL. 
I waited the 10 business days to hear back from the bank, then I received two letters from the bank. One listed all but four of the checks saying that I didn't dispute the checks within the time provided in the Deposit Agreement. They have yet to tell me what the time limit is. The second letter said that four of the checks the paper needed a signature to continue the investigation. I have no idea what the " Deposit Agreement '' is, as this is my mother 's account, and I was just added on. 
Bottom line, the bank is claiming no responsibility. That money is for my mother to live on for the rest of her life. Without it, she will be desolate.

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 2022-01-20
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I see this COLLECTION on my credit ..i contact the credit and sumit a claim ..trans union delete but XXXX XXXX XXXX told before i have the same problem and i was in court they dischard and delete..because is fraud identy theft..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: SYNCHRONY FINANCIAL
State: LA
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 need my credit cards info

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 2022-07-05
Company: Top Flight Assistance (Top Flight Credit Assistance)
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid {$1500.00} to Top Flight Assistance to help me with Credit repair services back i XX/XX/2021. Its been over 1 year now and this company has not delevered XXXX advertised. no one is responeding to my calls or emails. As a matter of fact it seems their customer service department perhaps the whole company is out of business. 

I fasely advertise and sell tradelines and Authorized user accounts. 

I want some sort of a refund for services not rendered and time wastered

Company response to consumer: Untimely response
Consumer complaint received 2017-08-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Wells Fargo firstly fraudulently charged me extreme and excessive overdraft fees upwards of {$300.00} dollars even though I had already explicitly stated and changed my policy agreement so that overdraft protection would not be added on to my account and i would not be charged any fees but they still did this and I ended up with hundreds of dollars of illegal fees that they would not waive no matter how much I pleaded with them and that was the first red flag. Next they opened a credit card account for me which I never asked for I used the credit card here and there until one day some how the limit of XXXX was reached unbeknown to me because there is no way I could have ever spent that much in the 6 months or less that I had been using the card. Excessive fees were charged and interest rates were exorbitant. I since have closed the credit card only to see my balance is now at {$3800.00} and climbing even though I closed the card and intent to settle as I do not believe these are legal and true charges I made. This company is so fraudulent and takes advantage of people who ca n't defend themselves or fall victim to big banks schemes. I am a college student trying to pay my student loans and now this, this is just yet another instance of the bank committing crimes and the consumer is bearing the cost. Please if you can help me to resolve this issue with wells fargo I would do anything. I would even pay them even though I believe they should be paying everyone who has been harmed by them not the other way around however carrying this burden on my shoulders and on the shoulders of my credit report is really taking its toll not to mention the stress it puts on family members and love ones. Thank you

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 2017-08-22
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian credit reporting agency deleted XXXX XXXX XXXX and XXXX account off my report last month after there investigation now on this months report they both have been re-instated this is wrong I contacted legal advice and was told once an account has. Even deleted it can not be reinstated again. Due to this my credit score went eay down again

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 2017-08-22
Company: EQUIFAX, 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 was checking my credit score on Equifax last week and come to know that i have one collection which is un-paid since XXXX 2017 of XXXX XXXX XXXX. I am still in shocked to see this because i really do n't know who they are even i never visit them. I do n't have any type of medical issues. I am trying hard to maintain my credit since last 3 years that is the reason that i always getting good offers from different financial institutions but now i am loosing my credit points because of this un justify or fraudilant transaction of {$790.00}. Please look into this matter as your earliest. Your prompt attention in this respect will be highly appreciated .. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
New car loan acct # XXXX purchase date XX/XX/XXXX. XX/XX/XXXX due date change requested at dealer and prior to 1st payment due with Ally Financial who tried to charge me for a date change. I requested prior to 1st payment due asked for the charge to be waived and due date changed. Escalated with Ally Financial they approved the date change noted my account. They didnt adhere and allowed my account to go into collections, added late fees and began harassing collection calls. Made repeated request to correct my XXXX I asked for my account to again be corrected Ally financial refused until I made a payment. Strong arming me. Payment made. Account still not corrected. No company should charge a customer to change an initial due date, strong arm a customer with intimidation by refusing to correct a problem unless payment is made. Due date change approved the XXXX week of XXXX by Ally financial. My account was mishandled. I'm having problems getting resolution. Please help!

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 2022-01-20
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: Personal information incorrect

Complaint:
On my credit reports from all 3 main agencies Experian, XXXX, and XXXX shows incorrect addresses, incorrect name, along with inquiries on my credit that i did not authorize. I will provide the information that is true and correct and should be visible on my credit report all other information should be deleted immediately as this is causing me harm due to these items having a direct affect on my credit score.

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 2022-07-05
Company: EQUIFAX, 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 Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was evicted, an appealed the eviction XXXX week prior to going to court XXXX XXXX XXXX filed a motion for none suit, they also accepted about XXXX in texas rent relief payments although I had moved. When I asked for my deposit back I was told I had a balance for Breaking my lease an court cost an was told they were calling the police. I now have a balance on my credit I never seen before an also a warrant out for my arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: LDF Holdings, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
borrowed {$1000.00} payments to be {$330.00} per month for 12 months at 497.27 % interest. loan was made on XX/XX/XXXX. Total payment for {$1000.00} loan will be {$4100.00}. I think this would be excessive in the state of Pennsylvania. Money being taken through direct debit until XX/XX/XXXX. Bank account closed at advise of bank to prevent further withdrawing from account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: ENCORE CAPITAL GROUP 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 information incorrect

Complaint:
XXXX XXXX XXXX IS CLAIMING I OPENED ACCT IN XXXX WITH NO PROOF OF TRANSACTION DISPUTED WITH CREDIT BUREAUS AND WON BY STATING MY DISPUTE MEETS REQUIREMENTS, AS OF TODAYS DATE XX/XX/XXXX XXXX XXXX IS STILL REPORTING FALSE CLAIMS ON MY CREDIT REPORT AS COLLECTIONS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX NMLS ID-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
XXXX I called Wells Fargo for charging me overdraft fees, and I was missing {$500.00} from my account. The banker said, {$500.00} will be available XXXX business days. I call XXXX weeks later, I explained, and the banker said, there is no information regarding am missing {$500.00} and my account is on negative and my account is well close

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2021-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
I have always paid my account on time every month thru the website that the company provided and i always receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my credit score and not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. I 've already spent money purchasing additional Credit Monitoring services as well as Identity Protection services. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accurate to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies.

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 2022-01-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently filled a complaint against, Equifax and XXXX for a collection account The bureau sent me a letter stating that the information was true and would not be removed but updated as paid. The debt collection service XXXX  ( XXXX XXXX XXXX ) recognized that there was a error with what XXXX XXXX my have reported to them especially since XXXX had a high volume of complaints over XXXX with the XXXX with the same issue I had complained about, XXXX sent notice to the credit bureaus to remove item from my credit report. I spoke with XXXX XXXX at XXXX and he said he would send a letter of deletion to me .Equifax and XXXX only removed the item when XXXX XXXX XXXX XXXX XXXX XXXX contacted them and requested it to be removed. Equifax removed the item but then lowered my credit score by by 24 points. XXXX lowered my credit score also.Equifax sent me a letter and did nothing but update my address and stated information was accurate and paid .XXXX XXXX sent me a form with their procedures.Its no wonder Equifax has XXXX complaints in the last 3 years. XXXX has XXXX complaints in the last 3 years. I have included both letters from XXXX and Equifax. I also included some complaints from the XXXX for Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Problem : Wells Fargo Bank loss of an account in their system and no longer able to access 5 accounts online. I have had online mortgage banking with Wells Fargo since XXXX and had online access. I am going through XXXX and working with two estates so online banking is important. I had two accounts with one estate and opened a third account in XX/XX/XXXX. I open two more accounts on XX/XX/XXXX. On XX/XX/XXXX I had tech support help because one account was not visible. All my accounts were then wiped out on the system and I could not get online. I'm only receiving paper statements for two of the 5 accounts. I was sent to branches twice and the employees couldn't find the account with. The money is needed in all these accounts for taxes and other expenses. I could write checks on some of the accounts but this doesn't always help. I can not close or transfer all the money because they can not find the accounts and merge errors in profiles. I am told 9 day to solution and then another 9 days for a solution and it goes on and on. I am sent to branches with appointments needed, exposed to covid, and immune compromised. I have requested help on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with no solution to the problem ... ..while dealing with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I missed my payment due on XXXX, which I always pay in full. They e-mailed me, but it got dumped in spam, they never called, texted, or notified me through the app. As soon as I realized the mistake I immediately made the payment on XXXX. Before and continuing after I kept getting notifications from companies that were auto-paying from this card that the card was being declined. I called the bank, they told me the only way to allow me to use my card immediately ( before the missed full payment had cleared ) was to allow them to call my other bank with me on the phone to verify the funds. I was very disturbed by this process, since I did not think that was any of their business. Eventually I allowed them to speak to my other bank to get the card opened. I am upset that there seems to be no method to talk to anyone higher at this bank. There is no customer service number I can call other than the number I spoke to. I tried to raise the issue with them on XXXX, they stopped responding to my requests. They were very unwilling and treated me like I was a criminal and couldn't use my card. I know this isn't very helpful from the CFPB side, but I've also been a customer with them for 18 years and always paid my balance in full each month ( albeit occasionally a few days behind ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: GA
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. XXXX has a fraudulent accounts on my credit profile that needs to be removed immediately. Account # XXXX

Company response to consumer: Closed with explanation