BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: NCB Management Services 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. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : NCB Management Services Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

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. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15USC 1681 XXXX and Experian is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the rights to privacy and did not give XXXX and Experian any written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-08-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I deposited XXXX XXXX dollars at the ATM closest to my house, the ATM counted my money and did not show me the amount on the screen, so I thought something was wrong. I made the claim and the bank told me today that they are not going to pay my money.

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 2023-08-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX  I requested to close my account at Citizens Access Savings and transfer the funds to XXXX XXXX. I received a confirmation number for the transfer. By XX/XX/XXXX nothing had happened. I called and was told the account was under review but the CSR would not explain what that meant. I have spoken to various CSR 's over the month of XXXX. I have been told that my wife needs to be on the account to transfer the funds. I have never been given the means to add her despite repeated requests for access. I was also told that my birth date was wrong. I asked for that to be corrected. Every CSR says they will take care of requesting that I get access but none have been successful. The account balance when I requested closing and transfer was {$56000.00}. I do not know if more interest has accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I found out XX/XX/XXXX that in person withdraws were made in branch without my consent while i was out of the country. the bank failed to confirm the identity and coud n't notice that there were many withdraws in a same day with different banks. the bank also failed to block withdraws after i assured with them i am XXXX XXXX XXXX XXXX and still allowed my account to be compromise

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 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-08-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have requested the escrow to be removed and it was approved after a couple of tries during the XXXX. I was told the check was mailed on XX/XX/XXXX, but I have not received it as of date. I have contacted them on a weekly basis since then and asked them to research and get the check to me ASAP as my school taxes are due and need this money ( ~ {$2600.00} ) to pay it. 
SPS keeps dilly dallying and are not able to provide the proof of disbursed check nor are willing to electronically transfer the funds, or apply to the outstanding balance. It is close to 60 days now and they keep saying XXXX more business days every time I call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: CITIBANK, N.A.
State: OR
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:
On XX/XX/XXXX I received an email that Citibank lowered my limit on my XXXX credit card from {$5500.00} to {$3300.00}. I rarely use the card and most often remains at a {$0.00} balance, but had just recently made some purchases, of which is being paid off within the next 30 days anyhow, however, the limit they lowered it to was barely over the new current balance. The statement period then ended a few days later ( statement period ended XX/XX/XXXX ) and a small interest charge then applied, but my balance was still below the new reduced limit of {$3300.00} ( with the new interest charges, the balance was {$3300.00} ). Aside from the fact the lowering of the limit then lowered my score by XXXX points ( lets note how absolutely counter productive that is to lower a limit due to a random score review simply because a card is used, to which then only causes the score to lower more! ), I then received an alert today XX/XX/XXXX that my score was lowered even more because they were reporting my card limit as {$3300.00}, not {$3300.00}, and with the new balance as of statement end date of XX/XX/XXXX being {$3300.00} it was reporting as over my limit to which then caused my score to drop an additional XXXX points!!! So not only did lowering my limit for no true cause my score to lower, but now Citibank is inaccurately reporting my limit as even lower AND that I am over my limit!! Which is absolutely untrue!! So this is either fraud or incompetence, either way needs to immediately be corrected. This has impacted a home refinance I am currently undergoing and if it does not go through due to this, my next stop is an attorney! Note : Ive had this same card with the same limit for over 6 years, never been late, rarely carry a balance and almost always pay in full within 1-2 months max. None of this recent actions are justified.

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 2023-08-31
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Improper use of my report .In accordance with the fair credit reporting act. This creditor ( CREDIT ACCEPTANCE ) has violated my rights under 15usc1681 sec602. States I have the right to privacy 15usc1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account with out my written consent .Under 15usc166b a creditor may not treat a payment on an open consumer credit plan as late for any purpose. 
I have spoke with several representatives at this company last representative we set up an agreement I have been following .I was told all late payments would be removed and they have not .Most of the late payments have came from the covid when it hit.

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 2022-07-03
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
As a XXXX citizen, I am requesting that {$1000.00} that was fraudulently XXXX XXXX XXXX from my account. US Bank is aware of how customer 's accounts are being compromise. I filed a complaint on XX/XX/2022 pertaining to US Bank. I will continue to file complaints until I receive the {$1000.00}. I will file a class action law, so other seniors and US Bank customers can join in the lawsuit. 

Again, XX/XX/2022, I received a call from US Bank per my caller ID. The caller stated my account was compromised and {$3000.00} was stolen from my account. In order to received the funds back, the caller stated that I had to XXXX ' the money back to a certain person per instruction from the " US Bank '' employee. I XXXX ' {$1000.00} and when I noticed that the money was not going back to my account I hung up and called US Bank. Immediately, I filed a dispute. Subsequently, I was denied several times. 

When researching scams and fraud, I noticed the below statement on US Bank website. The paragraph from their website is the exact scenario that occurred to me. Again, I must say that US Bank is aware that their customers are being " ripoff. '' The paragraph below is my proof. I am requesting the {$1000.00} that was " XXXX '' from my account. 

XXXX XXXX are fraudsters who reach out to you by phone instead of email. Theyre after the same thing as phishers your confidential banking information. Fraudsters can spoof caller ID to make it look like a call is actually originating from U.S. Bank. So how can you tell whether a caller is the real deal? 

Its simple. U.S. Bank will never call you and ask you for your account numbers, Personal Identification Numbers ( PINS ), or any confidential information. Do not provide any confidential information over the phone unless you initiated the phone call. Hang up and call U.S. Bank at XXXX if you suspect fraud. Call XXXX ( XXXX ) for all other customer service concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: SYNCHRONY FINANCIAL
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:
I was charged {$7.00} interest on XX/XX/2022 in the statement closed on XX/XX/2022. When I called credit card company on XX/XX/2022 and inquired about the interest, I was told above interest pertains to the foreign transaction fees ( total {$63.00} ) posted in the statement closed on XX/XX/2022. However, the credit card already reversed the full amount of above mentioned transaction fee on XX/XX/2022 following a conversation I had with them on XX/XX/2022. 

When I asked them why they charge interest for a charge that's already reversed. I was told they charge interest based on the statement balance in spite of further changes after the statement was issued. In another word, in order to avoid interest, I would have to pay for the fee in the statement balance even if this very same fee got reversed after the statement was issued. The thing is the credit card company didn't tell me that when I spoke with them on XX/XX/2022 during which they agreed to reverse the foreign transaction fee.

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 2022-09-23
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the fair credit Reporting XXXX XXXX XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2023-09-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Hello, My name is XXXX XXXX and I am here looking for help to dispute and remove 2 fraudulent accounts from my credit report. I'm not sure when these accounts were opened but I would love for them to be removed because they are ruining my life at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
On XX/XX/2022 I discovered that a delinquent account has appeared on my credit reports with TransUnion and XXXX, which XXXX acknowledged on XX/XX/2022 at approximately XXXX PM XXXX was incorrectly sent to XXXX XXXX XXXX. XXXX stated that this stemmed from invoice number XXXX, but that the information associated with this invoice had misspelled my name and address, and even had the incorrect insurance information. I never received any notification of this bill from either XXXX, or my insurance because even the insurance submission was done incorrectly. I asked XXXX to provide me written evidence of them beginning the process of notifying XXXX XXXX XXXX that the bill was incorrectly sent to collections, but XXXX would not provide this evidence. I have already sent a dispute to TransUnion and XXXX, but I am concerned that without written evidence this will take time to rectify. I am closing on a car purchase in XXXX and am extremely concerned that this will impact my ability to still purchase this car in accordance with the original tentative terms of the loan. 

When I asked for permission to record the call with the first agent after she said that she could not provide written evidence, the agent denied permission.

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 2022-07-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have contacted them they so nothing..they suppressed my credit report for numerous years when I filed bankruptcy XXXX XXXX..which they got paid what I was behind they also did a modification that added everything I had paid to the back of the loan pushing my date many years in a 30 year mortgage ... I pay them they are not reporting I show no mortgage on my credit report They also added all my late fees to XXXX 's payment since I have been complaining to them over the last few months ..they never do that..they are horrible ..I have had my mortgage since XXXXit was sold to XXXX XXXX XXXX their sister company..it 's not with Wells Fargo ... .nothing but stress and years of them taking advantage of me..

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 2023-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One does not care about their custumers! I have been paying my bill on time all along and using my bill pay thru my bank I send the payment to the po box that was on the envelope that came with my bill instead of my payment going to XXXX XXXX they have been going to XXXX XXXX This is not my mistake it is theirs because I was only using the address that came with my bill! I can not afford these charges and even though the guy I spoke with on the phone admitted they made a mistake he was only willing to remove {$40.00} XXXX owe over {$2500.00} and most of it is late fees! This is no way to treat a custumer who has always paid his bills on time they had the money it just went to the wrong po box !

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: NC
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 and XXXX  Accounts : XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX. XXXX XXXX Account:XXXX  XXXX. XXXX XXXX XXXX  Account XXXX XXXX XXXX. XXXX Account : XXXX XXXX. XXXX XXXX XXXX XXXX Account:XXXX  XXXX. XXXX XXXX. 
XXXX all of which has violated my rights. 

15 U.S.C. 1681section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish any account without my written consent of instructions as well verify the true and accuracy of the information with consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On or around XX/XX/22 I noticed a strange charge on my XXXX XXXX credit card from a place called XXXX in the amount of {$20.00}. I promptly disputed it. Barclays, who manages the card, credited me and i thought that was the end of. I was told my card would be closed and a new one would be sent. When i got the card about 2 weeks later, it was the wrong one! Right company, wrong card number. One XX/XX/22 I had to call again and get another card, which i still haven't received. How does a company send out THE WRONG CARD?! On XX/XX/22, I received a letter stating they were agreeing with the merchant. I called Barclays and was told i would have to fax documents over, which i should not have to do because the order was fake! I have messaged the merchant, demanding my money back or at the very least, whatever i purportedly purchased. They gave me a fake order number and a fake tracking number. As of today, XX/XX/22, i haven't received my so called order. A quick 30 second search on XXXX shows XXXX is a scam. Their website has been shut down as well ( screen shot provided from date of XX/XX/22 ). This could have been easily solved by their so-called fraud team by spending just a few minutes researching online. I would like my money back immediately! I will not do business with a place that allows their customers to be scammed and stolen from! I closed my card on XX/XX/22 due to their decision to allow a fake company to steal from their customers.

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 2022-07-29
Company: DISCOVER BANK
State: IN
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 customer service

Complaint:
Discover Card called Mom to ask for an over the phone payment of {$5.00}. 
1. They provided her the FULL account number to her non-Discover checking account.

2. They asked her to verify information about herself. 3. They pressured her to make a payment over the phone for a 30-day balance. 

We called Discover Card the next day to ask the following. 
1. They remove her ACH Banking Information from their records.

2. They not call her to ask for payment information over the phone.

They said that they were unable to remove her personal information regarding her checking account from their records. To our knowledge, this information was never provided and Mom did not authorize ACH debits from her account.

This is further proven by the checking account in question being less than 6 months old. 
To resolve the matter and prevent further fraud, we closed the Discover Card account.

Company response to consumer: Closed with non-monetary relief