BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: PRESTIGE FINANCIAL SERVICES INC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My name is XXXX XXXX. At the time of my accident XX/XX/2022, my name was XXXX XXXX. My insurance company paid {$16.00}, XXXX received XX/XX/2022 and my gap insurance paid {$240.00} received on XX/XX/2022 which left my principal balance at {$320.00} and as of XX/XX/2022 it was according to XXXX XXXX of complaint department {$310.00}. I've attached the email/attachment to confirm this. I made a payment arrangement for $ XXXX starting XX/XX/2022. Late XX/XX/2022 our family was going through hardship so I called to have my payments reduced to $ XXXX. I lodged a complaint and a XXXX called me. I told him my situation and asked him if he could change my payment to $ XXXX. He said no but I could make the $ XXXX payment because the interest will not be damaging. Now, I believe I've overpaid this balance yet I keep receiving threatening emails ( attached email ). Or they are charging me a lot of interest. I'm writing you to investigate because something isn't right. I feel like they are taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had previously had a fraud alert on my debit card on XX/XX/23 and my card was restricted/closed. 
However on XX/XX/23 I received a phone call in the evening at my home from a man stating he was from XXXX  XXXX XXXX. The number was registered as such. They told me while fraud had been caught the day before, that Zelle transfers had been done on my account and they needed to walk me through reversing them. I was freaked out and I trusted the info and number assuming it was my bank. So much so that I stupidly did what they said to do. Not realizing at the time that I just transferred funds TO them. 
After the call was disconnected, I thought about things and validated info in my activity and then realized something was wrong. 
I immediately contacted XXXX and after waiting on hold for 45mins, finally reached someone. 
XXXX fraud told me that no that was not XXXX Fraud calling me. 

I filed the report with them and they are working on it. I tried to contact Zelle on their 24/7 # but that number is NOT 24/7! 
XXXX said the fraud mobile # account was linked to a XXXX account. They said that it takes time, or its hard to get funds from a Zelle transfer. 

This is terrifying. I am XXXX old and just lost my paycheck funds to pay my mortgage. I have an adult XXXX XXXX  son who is under my care and my husband is XXXX old! We are on a tight budget and I do everything I can to protect our financial lives. So to have someone literally fake my Bank and from their number, is horrifying! 
I've only used Zelle a couple times to pay my other son, and only on my bank login, so I am not that savvy on what Zelle can, or cant do. 
Please help us stop this kind of thievery! 

Zelle should not be allowing these kinds of accounts access and XXXX should really be working harder to block fake calls. 
Luckily I printed and screen shot the info they told me was for a reverse charge, so the mobile number its registered to may be able to help. 
Though XXXX said it's likely someone elses ID they used for the theft. 

What terrifies me is that XXXX already had a fraud on my card. 
If this issue of scamming is so prevalent, why did no one from Fraud contact me ahead of time to warn me about this kind of stuff? 
And what about Zelle? If people are getting scammed like this, as seems to be the case, WHY is Zelle not doing more to protect people and stop these fraudsters from using their network? 
Zelle should have some kind of waiting period of transfers, especially when they are large! 

Someone managed to steal my card and then figure out what my private home number was. How did they also use a XXXX phone number? 
They called from XXXX that links to XXXX XXXX 
This has to stop! 
I am now scrambling to find a way to pay my mortgage because these fraudsters scammed this poor mom out of her paycheck!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: I.C. System, Inc.
State: NV
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:
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. 

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor. 

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. 

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. 

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX Contact info Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( 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 2023-03-06
Company: Self Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal. They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

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

I have been disputing these accounts for months now. They don't respond to my requests and I'm beyond over it.

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 2023-02-20
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I believe that I am a victim of DISCOVER Banks unfair actions and they have caused me great harm. I also believe that they are causing harm to other people as well and will continue to fight for justice and our consumer rights. All of a sudden abruptly in XX/XX/2021, my DISCOVER credit card ending in XXXX was closed because of a subpoena for legal action pending from a lawsuit where I was named as one of the defendants in a fraud investigation because of my doing business with the main target XXXX XXXX XXXX. That company has now pleaded guilty of all charges and accusations against them. I humbly requested help for DISCOVER to reconsider my accounts being reinstated. I have attached documentation from the Department of Justice identifying me and my company as a victim in this fraud case. I am not guilty, and have not been convicted of any crime. 

Ive always paid, on time, and feel that the features and benefits of these cards are highly beneficial. I am looking forward to resolving this as I truly value being a DISCOVER member and would be honored to continue to prove my value as a reliable customer to use even more products in the future. I have been a loyal DISCOVER cardholder for many years, and use it a lot monthly for my personal and business expenses for working capital that my business relies on to operate. I have never been late paying them. 

Based on these facts, If my account is not reinstated, I, the Claimant, seek damages according to applicable law, including but not limited to the loss of business operations and potential earnings because of this abrupt, untimely, and wrongful account closure. This has caused Claimants credit score to drop significantly from an Excellent to Poor rating with denials of credit and loan applications. Claimant seeks to recover its reasonable fees and costs incurred in this legal proceeding and for such other and further relief as may deem just and proper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Bread Financial Holdings, Inc.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed the purchase of a defective XXXX XXXX console with XXXX XXXX. The XXXX XXXX console has a known issue where the system goes into rest mode when ever it wants. There are XXXX possible resolutions to this issue, If those XXXX resolutions are unsuccessful it is a defective machine. I tried both resolutions and currently have the XXXX XXXX console set to those settings specified. The system still turns off right in the middle of you playing it despite the do not enter rest mode setting being selected. I disputed this with my XXXX XXXX XXXX and they took that amount off of my credit report, they then added it back on XX/XX/XXXX costing me XXXX credit reports or close to, and said they sent out a notice regarding my dispute. I have not received this notice nor have I had time to act in response. They took XXXX  days and did not reach out to me once to get details about my situation, I cant see anything they did in their dispute. XXXX never returns messages regarding my defective XXXX and they say that they dont provide refunds on items over {$500.00}. They dont tell you this before you purchase the item or even at time of purchase. Their refund policy is on the back of your receipt in small print, and you only know it is there if you have a problem. I am not paying for defective merchandise and told XXXX XXXX  they can have their console back and I reached out to them via their website messaging system several times to ask them what is going on with my dispute and XXXX XXXX never contacted me once to find out the details of my situation and they just found in the merchants favor. I need help with the sale of defective merchandise they wont take back. I am not paying for this and want it removed from my credit like I said they can have it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
Company: Mr. Cooper Group 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 is missing that should be on the report

Complaint:
I was just looking at my credit report and found some errors relating to my payment history on some accounts. My mortgage with Mr. Cooper, is not reporting on my credit report. 
I would like for my mortgage to report to credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2023-02-20
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX : {$850.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My wife and I had Wells Fargo 's checking accounts and constantly got charged overdraft fees even when money would be in there. If we had automatic payments set up, they would wait to deposit any money after payment was set to come out, even though we would put money in well before due date.

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 2023-03-05
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX From NATIONAL CREDIT SYSTEMS, 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They just closed my account for no reason after being a loyal customer since 2015

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 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a business credit card with Bank of America that I am past due on payments. I have attempted to setup a payment plan however upon my last contact they told me I was in collections with another company and forwarded me to XXXX to talk about my repayment options ( who subsequently have not gotten back to me ). 

Last Tuesday XX/XX/2023 Bank of America 'offset ' my personal checking and business checking in the amounts of {$1600.00} and {$970.00} respectively in order to collect a portion of my past due amount leaving me with {$100.00} in each account. I tried calling to get the money back and to pay {$500.00} to cover a portion of the debt owed with the understanding I would get on a payment plan to cover the rest- they refused. 

I went into a local branch today Tuesday XX/XX/2023 to dispute this offset and was given the same response- they will not return the offset and only after I setup a 12 month payment plan will they stop future offsets. The manager recommended that I not use my account until I have setup a payment plan as she was concerned the bank would continue to draw out of my account. 

Based upon my reading of 1026.12 ( d ) Special credit card provisions ; 'a card issuer may not take any action to offset a cardholder 's indebtedness arising from a consumer credit card transaction against funds the cardholder held on deposit with the card issuer ' what the bank did was illegal.

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 2023-03-06
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX my friend sent me XXXX dollars via cash app ( cashapp to cashapp ) but he sent it to an old account of mine and they are more than unwilling to verify my identity to help me gain access to that account nor will they return the funds I gave them the phone number linked to that account ( I no longer have access to that number ) there is no email linked just a credit card I do not have anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
While working abroad for meany years, I was unable to use my Capital One Visa, since I was mostly using foreign currency. I also used my other credit cards. My Capital One Account was in good standing. Capital One sent a letter to my U.S. address saying my account would be closed on XXXX XXXX XXXX due to dormant status. My parents had been traveling, and didn't receive the letter until after they returned in late XXXX, and notified me of it. I called Capital One on XX/XX/, saying I didn't wish to have my account closed, as I have almost XXXX reward miles on the card. Capital One said they can not re-open my account. I asked to at least allow me to redeem my miles, because I have had that account for almost 20 years, accumulating all those miles. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am filling this compliant because I was unjustly treated. So I need your help to get my money back from Citibank. They froze my account after I deposited the money that was paid to me by a customer that purchase goods from me in XXXX of 2022. Without any tangible explanation, they took all the money in my bank including the money that was in my account prior to the purchase. I have contacted both the branch and their supervisors more than 20 times after I received the attached letter to resolve these issues but to no avail. 
I don't know why a bank can do this and want to get away from it? 
Thx XXXX  XXXX XXXX XXXX XXXX cell

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