BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: ZuntaFi Corp
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: CarMax, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On  XXXX / XXXX /  XXXX   I deposited {$400.00} in cash a t Wells Fargo   XXXX   XXXX . On  XXXX  my online statement showed the {$400.00} deposit with a reversal. I made a copy of the statement. The person (  XXXX   XXXX   )  said she sees no deposit, but will research it. Next day on Thursday I see  XXXX  deleted the deposit off my statement. I see the branch  manager and she  says we will research it. Now the bank just says they see no deposit. Well, as I said  XXXX  deleted the deposit off my computer records. The bank refuses to put the money back in my account. I got a police report. The bank does not give receipts unless you ask for  one, but look I have the deposit on my copy of the statement. The bank refuses to tell who took the deposit, who re versed the deposit, who deleted the deposit. If that is not a sign of guilt, what is?

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 2022-08-15
Company: Experian Information Solutions Inc.
State: OR
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 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 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 2017-08-31
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On Friday XX/XX/XXXX I called Wells Fargo from a phone number ( work ) in my profile to request a credit line increase. After validating my current / open account with the representative I was sent to underwriting ; were I revalidated my identity, so a credit report could be reviewed. Then I was transferred to the Fraud department and requested to further detail my identity. At this point I was unsure about answering the question " what year was my house was built '' the agent stated I could call back in and redo the application process ; consequently, having a second credit report pulled. So I ended up guessing on the question, and was wrong, so they locked my account. I was advised I would need to take two pieces of ID into a Wells Fargo branch to validate my identity ; however, there are no Wells branches in Michigan. I was then advised to go to any bank. 
On MondayXX/XX/XXXX I went to my primary checking account institution and explained the ridiculous request to Member Services. I have banked with this institution for more than 20 years and not to my surprise they declined calling the Wells Fargo Fraud department and validating my Credit Card / ID info. I mean why would they, it is not their account. Frustrated I called Wells and filed a customer service complaint as I was investing more time than necessary. I even requested closing the account and was denied until the fraud lock was removed. 
Think about this - I validated my identity with Wells twice for an existing account, which was already established and cleared by the Fraud alert at the time of opening, more than five years ago. So they think some human broke into my office, sat down at my work desk and called My credit card to request a credit line increase. There verify identity with caller ID. 
After Filing the complaint I waited 24 hours without response. So again yesterday I tried 2 more Financial Institutions. XXXX and XXXX and was also both turned away stating this was not something they were comfortable doing. One Banker stated how do we now you did not steal the wallet. 
Even more frustrated I called Wells again on XX/XX/XXXX and requested to speak with a supervisor, I explained to him that I have tried to clear with three banks, tried to close my account, filed a customer complaint and requested an alternate option since they have no local branches in my state.

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 2022-08-15
Company: TD BANK US HOLDING COMPANY
State: GA
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:
XX/XX/2022 - called reported a charge I did not recognize XX/XX/2022- the same company charged again at a higher amount ( {$450.00} ). I called was told the XXXX complaint it was in the wrong department and would now placed in fraud. 
XX/XX/2022 - I called again, the account was charged again the same higher amount ( {$450.00} ) with the same company that I reported in XXXX & XXXX. I was told it would be investigated but still the XXXX charge was in the wrong department. 
XX/XX/2022 - I sent a letter - no response XX/XX/2022 - I sent a letter and received a response that there was a credit of the two larger amounts to my card but the smaller amount of {$150.00} has yet to be taken off. 
XX/XX/2022 - I sent a third letter to ask the {$150.00} be removed and to close the account based on this back and forth and how the bank expects the consumer to DIY the statements, due dates, all acct management is shameful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-22
Company: GULF COAST COLLECTION BUREAU, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Patient XXXX XXXX Dental Provider XXXX XXXX Collection Agency Golf Coast Collections XXXX of 2015 our Dental Insurance Provider told me I owe {$500.00} XXXX XXXX sent the account to Golf Coast Collections and said I owe over {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX, I sent {$7900.00} to XXXX  for a used car. I sent the money via Chase Bank to a XXXX  XXXX XXXX Account number. 

I was told I had 10 days to inspect the car once shipped and my money was put into escrow so I could get my money back at any time. 

The communication has fully stopped and their website is no longer active. I read mutiple reviews about this being a legit company. 

I have screenshots and email records of all of this. 

My bank - Chase XXXX Bank XXXX XXXX  XXXX XXXX Name : XXXX Website : XXXXXXXXXXXXXXXXXXXX  Email : XXXX Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX  OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX  OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX OPENED XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
On  XXXX   XXXX  I tried to log into my  American Express  account online but was unable to do so. I then called them to help me to unlock my account which took  3  or 4 times of them trying to unlock the account. I did just end up calling the phone service line and getting my balance from the card. That is when I realized that something was wrong, because a large amount of money was missing so I then called them back again. When I told the company that the money was missing a representative said we could file a claim so she then transferred me to another representative who then asked me many questions and said that he would have an investigator look into it. He told me that I was going to get all the {$5000.00} back because I was covered by the fraud prevention program. He then said to expect a call from their investigator with some more questions. I did not receive a call from the investigator or anyone else from AE for that matter so I called them on Saturday the  XXXX . The representative on the phone said that I should give them a call back on Tuesday the  XXXX  to see where the investigation is at. When I tried to get into my AE app on my phone Monday the  XXXX  ( just to see if by chance they put the money back in there  )  my account would n't open. When I called them today they told me that the investigation was closed and that they closed my card account because I somehow defaulted on the agreement. I then asked to speak to the supervisor so I could get more answers. I waited on hold for ten minutes when the supervisor finally came on he said that they had closed the fraud claim case because they said it was my fault. They thought I approved them even though I told them the first day that I noticed something wrong that I had no idea who any of those people were. My account is now locked I am unable to get in and print any of the transaction logs that could possibly help me get my money back and charge whoever those people were that took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a XXXX XXXX XXXX XXXX managed by Barclays Bank and I made a call to Barclays Bank on XXXX XXXX regarding updating my SSN on file and they asked for me to send in documentations for them to update accordingly which I did send in via the Fax numbers ; ( XXXX / XXXX / XXXX / XXXX and XXXX XXXX addresses they gave me at different times ; XXXX XXXX XXXX, XXXX DE, XXXX / Barclays Bank Delaware, XXXX XXXX XXXX, XXXX DE, XXXX ). 
Dates : XXXX XXXX XXXX XXXX ( USPS Tracking # : XXXX ) XXXX ( USPS Tracking # : XXXX ) I have sent these requested documentations ; ( Copy of SSN card, copy of Drivers license, Letter of Request and copy of tracking numbers to Barclays Bank on multiple times ) and till date whenever I call for followup, I'm informed they have not received the documents till date and this is really impacting on my Credit Report in order for me to process some documentations with my work and bank. 
I have called multiple times to this number at the back of my XXXX : XXXX, but still no response or positive updates till this minute I'm writing this letter. 

I have tried my best possible to get a positive feedback from Barclays Bank but no positive updates has been shared with me as a customer and since I have been sending in these requested documentations and its really impacting on me. 
I will appreciate your further investigations and help in resolving my issue in ASAP. 
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 explanation
Consumer complaint received 2017-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have requested that the following accounts be removed immediately from my credit report.    XXXX ,  Dept of Ed  /   XXXX   ,     XXXX   XXXX   XXXX   . Th ese accounts are fraudulent accounts on my credit report. I have sent in the proper paperwork and police report. I have also contacted the companies to provide proof of contract and none of them were able to. I have tried to work with this credit reporting agency as well as the credit grantor to have these accounts removed from my credit report. If I am still unsuccessful in this attempt, I will be forced to file a suit naming your credit reporting agency, the above creditors, and acceptor of this letter as defendants. Please send me my updated report as soon as the investigation is completed. These accounts are still being reported inaccurately and are extremely damaging to my credit : In accordance with the Fair Credit Reporting Act sect ion 168i, your  company is required to reinvestigate these items and delete them.   I would appreciate the name of the individuals you contacted for verification along with their adress and phone number s o I may follow up.

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 2017-08-29
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I am the XXXX XXXX XXXX XXXX and I write my employee paychecks through PNC. When my employees go to cash their paychecks, PNC charges them a {$10.00} fee. The employees do not bank at PNC but because I write my employee checks through PNC I feel that they should not have to be charged a {$10.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 XXXX PM Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collectors from Comenity Bank, who hold the debt for my  XXXX   XXXX  credit card, will call my cell phone on average 4 times a day. Beginning around  XXXX  EST and ending around  XXXX  EST. They keep calling and blocking the phone number. When I answer they do not wait for me to identify myself before they say " Mr.XXXXX you are behind on your Visa account ... .. " they do not even know it is me and they disclose this information. They will talk over me and are extremely rude. The repeated daily calls are harassing. They know my adjusted income since I have been laid off. I verified that with an account manager. They know and have updated information for me. However they will not stop with the calls. I filed a complaint with them this morning and they would not provide confirmation of said complaint. Only that it was " noted '' on the account. I worked as a debt collector for a few years and understand FDCPA. I also understand that they are violation it with their methods of communication, call times and frequencies and how they treat me on the actual call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On    XXXX   XXXX     2017  my bank,  Citibank  without my knowledge, placed a " fraud hold " on my account. They claimed that a check I deposited from my roomate, was made out to my last name  XXXX   XXXX . My name is    XXXX   XXXX   XXXX   .    Despite the fact that this same name had been written on the monthly checks on last few months.   To date these funds are still on hold despite numerous hours of phone calls to customer service, and the branch mangers in the  XXXX  office.   I have a copy of the paid check from my roomate so we know that  XXXX  paid the check on  XXXX   XXXX  to Citibank. On  XXXX   XXXX  my funds were to be release to me. They were still on hold. I was instructed by  XXXX  a supervisor number  XXXX  on   XXXX   XXXX   to bring a copy of this paid check to branch to clear the issues. This was the second time I had brought this copy to the bank.    XXXX   XXXX  the branch  manager had  called the fraud dept and she called to tell me that the funds would be available at midite the  XXXX .   It 's now  XXXX   XXXX  and my funds are still being held This is my household account and I have been forced to exhaust my business account at my other bank to pay for things like groceries, gas and our water bill, insurance.   Today I found out after finally speaking to the fraud dept that they released the hold on  XXXX   XXXX . They claim now that another check that was written to me for {$4000.00} was st ill n pa rtial hold. This also is an error if it is indeed true. You see the branch manager called to check that the funds had been paid on this check from  XXXX   XXXX ,    ( it w as a check from my father ) on  XXXX   XXXX  and verified the funds had been paid ans that the funds should have been completely available to me that day.

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 2017-08-31
Company: EQUIFAX, INC.
State: AZ
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:
I have prev talked to reps at equifax and sent letter disputing inquiries and they remain reporting them on my credit file they removed the accts due to the fact that they were not mine and the company like XXXX verified that but they left the inquiries attached to them the only inquiry i should have is XXXX from XXXX XXXX XXXX XXXX that XXXX is valid ... ... but the one from XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
To Whom This Concern I had my retirement fund account closed and over  XXXX  was to be deposited to my bank via electronic transfer I called  XXXX   XXXX  at  XXXX  to say the funds were not in my account they said they transferred it earlier in the afternoon.  XXXX  told me the funds would not be available until  XXXX  am midnight which made no sense because the funds were electronically deposited into my account through wire transfer and should have been available immediately.  XXXX  also said they had no could n't see the deposit coming through but it would be available at midnight. Her name was  XXXX   XXXX  her supervisor was  XXXX   XXXX  and her  manager  was  XXXX   XXXX . I also asked who I could file a complaint with weather it be the FDIC or whoever she told me she had no idea and had no interest in finding this information out when its a federal law that they are supposed to know these things.   I appreciate your time and attention to this matter. I can be reached at  XXXX

Company response to consumer: Closed with explanation