BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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 took a look at my recent credit report and noticed a great quantity of INQUIRIES on my credit report. I added some already but will be relisted below along with some other inquires with the date of inquiry i could not add before. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I want all of these fraudulent unauthorized inquires off of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I opened a capital one savor card and they had an initial promotion of XXXX  month 0 % interests for all purchases. One their monthly statements under the fees and interest sections, it states the interest amount and shows the monthly balance. On my monthly statement, it showed my monthly carryover balance and the associated 0 % interest, however what it did not show was the time period in which the promotion interest will be ending. On all my other credit cards for other institutions XXXX XXXX XXXX XXXX XXXX XXXX  ) whenever there are promotion interest rates it will always state the time when the rates expire, very clearly on each monthly statement. For Capital One, they chose to be shady and secretive. When I questioned Capital One rep and their manager, it was stated that it was not secretive but it was stated in the original terms and conditions of the credit card when I originally received it 15 months ago. They said I should have read all the terms and conditions and expected to remember all the details. Then I ask if I could access my terms and conditions document online and download it online and the rep manager stated no. That it has to be sent by mail. I informed them this practice is quite predatory. Their marketing all states the 15 month 0 % interest but then they do not remind the consumer when exactly their 15 months is ending. Because I did not ever see an expiry date or notice that my promotional rate was expire, I assumed it would continue until notified. Capital One made no effort and hopes the customer will forget and likely will since the one place and time Capital One states it is in their terms and conditions during the original receipt of the credit card. Completely shady business practice. COMPLETELY!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01
Company: WESTERN UNION COMPANY, THE
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Lost or stolen money order

Complaint:
On XXXXXXXX I purchased a Western Union Money Order in the amount of {$800.00}. 
On XXXX, I submitted an online Money Order refund request form and received an email confirmation stating it was received and to expect a refund within 30 days. 
On XXXXXXXX I called Western Union to check on my refund status and the customer service representative informed me that my refund was cancelled, without the company attempting to contact me regarding such. 
On XXXXXXXX I submitted another request for refund and sent this communication via US Postal Service and submitted a non-refundable {$15.00} Money Order ( Money Order # XXXX ) processing fee. 
On XXXX, I called Western Union to check on the status of my refund request and was informed that there wasn't any information regarding my request. 
For your review, I have attached supporting documentation regarding this imperative matter. Moreover, this is the exact documents that accompanied my refund request on XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Requested to remove the bankruptcy and negative accounts

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Everything I try to get on my consumer profile from XXXX Its kicking me out the system, not allowing me to download my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking account with Wells Fargo. On XX/XX/XXXX I deposited {$500.00} into that account via online transfer. The {$500.00} originated from my other checking account with XXXX XXXX XXXX XXXX. The XXXX transfer was initiated by Wells Fargo and was a non-pending, finalized transaction. On XX/XX/XXXX I closed that Wells Fargo account. ( I realized I was not eligible for the new checking customer bonus and thus closed it ). When I closed it over the phone with Wells Fargo I was told any money on its way into my account will bounce back to the original bank ( XXXX ). I continued to call in to Wells Fargo every other day for about 2 weeks because the money never returned to XXXX. I did not make headway over the phone. In the meantime I had XXXX XXXX conduct a research claim which confirmed the transactions history - that it was initiated by WF, was not returned, and was finalized. On XX/XX/XXXX, almost a month later, I met in person with XXXX XXXX of Wells Fargo ( XXXX, PA branch ) bringing the research from XXXX with me. In that meeting she was able to confirm the money was within WF but did not know where and paired me with an executive ( XXXX. Last name unknown ). I was unable to get a hold of XXXX repeatedly for over a week and my claim went nowhere. At this time I decided to file with the XXXX XXXX XXXX ( complaint # XXXX ) and have XXXX initiate a legal claim ( currently being processed ). I received in the mail a notice XXXX closed my case without any explanation. I was then paired with a new WF executive XXXX XXXX who called to tell me there is no way Wells Fargo has my money. She said this without having seen any of the data collected by the XXXX branch. I emailed that data to her during our call. She stated she would look it over and ended our call. I have not heard from her or had any subsequent emails requesting follow up replied to. 

I am a XXXX XXXX XXXX XXXX. I am a XXXX XXXX household supporting my husband through his final year of medical school as he studies to become a XXXX We are exhausted and overworked and underpaid. I have spent more time on this issue than I have my own personal life over the last 2 months. I urge someone to find the solution so I can have my finances returned to me. Every one of those {$500.00} required significant fortitude and work to make. I can not continue to meet radio silence and road blocks with each plea.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: TN
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:
Fraudulent accounts have been attributed to my credit file that were opened by a thief not by me. I have not received any goods or services from these fraudulent accounts and inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-12-02
Company: Bull City Financial 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 status incorrect

Complaint:
Many concerns : A collection company representing XXXX XXXX XXXX XXXX XXXX keep calling me with information that an account ( s ) were open in my maiden name ( XXXX  ) a few years ago. I have asked for this information and reported as inacurate and incorrect. This is not my debt. They harrass me day in and day out over this XXXX XXXX XXXX keeps asking for more money representing XXXX XXXX. I have paid balances and they keep calling with new balances This was already paid for. 

Bull City Financial representing XXXX XXXX which was paid XX/XX/2022 in full but never removed from credit reporting from collection agency as promised. 

XXXX XXXX - XXXX which was paid in full a long time ago and disputed transaction from a companty called two men and a truck. I have no knowledge of but they keep calling me to pay. 

XXXX XXXX stating I owe a balance {$4200.00} which was paid in full XX/XX/2022 and I have received a paid in full letter numerous times and a title to the item purchased, stating im the sole owner. I keep calling them to remove the debt from my credit and all they do is apologize for the error. 

XXXX XXXX- I have TWO credit accounts from XXXX XXXX AND XXXX since XX/XX/2022 but they are not reflecting on my credit as on time payments or ownership on these credit accounts. I call them to confirm they are reporting to the credit companies but nothing happens. They keep saying its an error. 

I call to remove closed accounts from my credit but those companies do not anything. 
I also wanted the hard inquires and bankruptcy removed but when i call the reporting agency they just put me on hold and nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
NCB MANAGEMENT SERVI Last reported XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX  Account status Open Type -- Responsibility Individual Remarks Account paid for less than full balance Paid collection Account previously in dispute - Now resolved by data furnisher Original creditor name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hi Im filing a complaint with td bank I received two overdraft fees labeled something else on same day the account went negative even though brought process I advised them this is only bank that does this and what gets me is it isnt even labeled as overdraft when I look I was told this I also made another transfer instant transfer always been instant in my account unless account is negative its almost like their playing the cards to charge you these fees I spoke with rep after rep with no success on even listening to what the guidelines and procedures for overdraft is I was only told oh thats how it will be next month I would like this looked into cause I feel they are doing some shady business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a paycheck on Tuesday XX/XX/XXXX, at my local Chase ATM like I normally do every time I get paid for over the past year. The deposit normally goes through fine and I dont have to wait any period of time to access my funds. This time however, Chase has placed a random hold on the deposit for 9 day hold on the deposit. I have called my boss and he has verified the check is good on his banks side. I have also called Chase and they just told me its a random hold and all I can do is wait until the XXXX, but even then they said theres a chance they can hold it even longer. Meanwhile my account has a negative balance and is racking up charges due to insufficient funds and theres nothing I can do. I cant feed my children, wife or pets with no money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: DE
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: Investigation took more than 30 days

Complaint:
XXXX XXXX hasn't responded to my dispute letter in over 30 days. 

I have sent certified mail and attached the receipt number as well in my dispute letter. 


receipt # : XXXX The account # : I was disputing was : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$3300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have an old checking account that I no longer use with First National Bank. I received a notice in the mail on XX/XX/22 saying it was overdrawn by {$25.00}. The last time I used this account was when I made a small deposit of {$45.00} on XX/XX/22. I had not received any notices regarding it's status of overdrafts. 
When I went on line on XX/XX/22 to resolve the issue and close the account, I saw it was overdrawn by {$61.00}. All due to fees. Nothing was due to any expenditures I had made. The last actual expenditure I made from this account was on XX/XX/22 for {$9.00} On top of the monthly {$6.00} maintenance fee, which I can understand, I was being charged {$12.00} every THREE business days beginning XX/XX/22 when the account when in the negative due to the fees being assessed. Of course with each fee assessed, it went further into the negative. I received no email or other text notification of this issue. Again, the first notification I received, was by mail on XX/XX/22. Upon speaking to a few representatives of First National Bank, they saw nothing wrong with this at all. Even though the state of this account was not of my doing. They would not let me close the account until the balance is XXXX. I want them to reverse the fees. They need to " research '' their ability to do so. Meanwhile, fees will continue to accrue. 
When I called to get this resolved, I wanted the fees reversed since it was not due to anything I had done, they said I agreed to this fee structure when I opened the account. However, First National Bank purchased XXXX XXXXXXXX XXXX, where I originally opened the account and my account was simply transferred. So I never actually agreed to these conditions, at least not that I recall. 
I am not overly concerned for myself, I can absorb this. For me it's the principle and the absolute greed that irks me. What concerns me is the excessive and exploitative nature of these fees, hitting the folks least able to handle them, in most cases. It is practices such as these that keep poor people poor. As an old friend of mine and I used to joke, " It cost a lot to be poor ''. Back in the day we were. Exploitative practices such as these keep that statement true and they need to stop. 
I would love to see First National Bank held accountable for these unnecessary practices. Such practices should not be legal and they need to stop. 

I have attached a screenshot of the fees assessed that caused the overdraft charges. 
There is also a screen shot of my alert file, showing no alerts were sent to me regarding this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion and XXXX violated my rights according 15 U.S.C 1681i ( A ) ( XXXX ) ( a ) and 15 U.S.C 1681i ( XXXX ) ( D ) they claim to have conducted a proper investigation into my dispute but how is that so if my credit report with both bureaus is still showing the same inaccuracies. I am disputing a charge off account XXXX XXXX XXXX the high credit limits are inaccurate, dates opened are inaccurate, dates last active are inaccurate. XXXX performed an investigation into my dispute and found the inaccuracies and promptly deleted the account off my credit report with their bureau. I asked both Transunion and XXXX what process was used to verify the account all it said was account updated. If they performed an automated investigation according to 15 U.S.C 1681i ( XXXX ) ( D ) they would have found the information about the inaccuracies processed by XXXX. I am also disputing inquiries put on my Transunion credit report. XXXX XXXX inquiry dates XX/XX/2022 and XX/XX/2022, Bank XXXX XXXX inquiry dates XX/XX/2022 and XX/XX/2022, XXXX CO XXXX XXXX XX/XX/2022 I was deceived by their pre-approval offer and was not aware hard inquiries would be put on my credit report. Also 15 U.S.C 1681 602 A : states i have the right privacy 15 U.S.C 1681 604 A section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: VI
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-02
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Back in XXXX, XXXX bank closed my XXXX card with no consent or knowledge from me. 
This led to me not being able to make payments on the account. This then led to the account going late multiple months then to a charge off. 
Even after talking multiple times to their XXXX customer service departments, with no help. They would only say things like " the account is closed, we cant help you '' or " wait till it goes to collections ''. 
For the last 5 years this account has HAUNTED me and my credit reports. Making it still so I can not obtain proper credit or even a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/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