BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card
Issue: Billing disputes

Complaint:
After review of the letter of XX/XX/XXXX in which it is stated a credit for XXXX was posted on XX/XX/XXXX statement is incorrect! This is a reversal of the debit that was on the XX/XX/XXXX statement! There were XXXX charges XX/XX/XXXX and XX/XX/XXXX and XXXX credits XX/XX/XXXX and XX/XX/XXXX they cancel each other out! No credit for the travel insurance was issued for XXXX. In addition I find it difficult to believe a person working in corporate complains does not seem to understand debit and credit! Or was this purposely done to appease CFPB and not reimburse for the trip cancellation. If management has been informed why is this being fought! Someone must understand debit and credit! Trying to pass off that credit as a credit to the account when it was a credit for the rebill XX/XX/XXXX statement does not smack of honesty on the part of Capital One! Please sent a check for XXXX and correct the finance charges because of the average daily balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: AL
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:
I notified the bureaus on XX/XX/XXXX of an incorrect item and address on my credit report well over 30 days ago and it has yet to have been removed or investigation completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I notified the bureaus on XX/XX/XXXX of an incorrect item and address on my credit report well over 30 days ago and it has yet to have been removed or investigation completed.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
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 had money taken from my checking and savings.I had my credit rating negatively affected by this companyWells Fargo made fake accounts I using my information.

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 2016-10-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Good morning. 
I contacted Wells Fargo to get my interest rate lowered on my credit card. I 'm in the process of buying a home and I want to pay the debt down on my Wells Fargo credit card to raise my FICO score and lower my debt to income. I spoke with two reps and both said they were unable to lower the interest rate. I asked why and neither rep offered an explanation. Is there anything the CFPB can do?

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 2023-01-22
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX Account Number : XXXX, XXXX Account Number : 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 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 2023-01-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
This is back in XXXX  XXXX XXXX I had a checking account did they closed or stop deposits anyways prematurely and it caused me to have an account go negative into a way where the credit agencies marked my credit so bad I'm still recovering XXXX  years I'm still recovering from that credit XXXX. And so back in XXXX XX/XX/XXXX they cut me a check for {$150.00} and said they were sorry I'm not accepting that I mean I did cash check cuz I'm severely needed cuz of XXXX XXXX I wouldn't know but I did they did that rather quickly and they're the ones that initiated it they found the wrong and I think that they've done more damage than {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
A Wells Fargo savings account was opened without my authorization on XX/XX/2009. My personal information, address and social security information was used to open a bogus and fraudulent account ( " Goal '' savings account ) in my name with my personal information. Evidencing this is the letter dated XX/XX/2009 calling for my signature. 
How can an account be opened without my signing for it? Where did the initial funds to open this account come from? I kept the letter because I thought at the time if I ever needed proof in the future that I did not authorize the account or the funds that were transferred to it, the letter would be proof enough. 
In sum, a fraudulent account was opened using my personal information without my authorization and with unauthorized funds. If I were to commit an egregious act such as this, I would be put behind bars.

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 2016-04-18
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: KS
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have an HSA with XXXX ( Bank of New York Mellon ). I contacted them in XXXX XXXX to find out how much more I could contribute to reach my maximum contribution limit for XXXX. I mailed in a check and last week received an email from them saying I could add more. Thinking that I had already sent in the maximum, I called them to double check on what was going on. They said that the email should n't have gone out, that the check I recently sent in was too much, and that I would have to pay fee to get everything split up and " reclassified '' to the proper years OR they could reclassify the check I sent in for XXXX to XXXX which will cause me to lose out on my maximum contribution for XXXX. Either direction costs me money and I was trying to be proactive to begin with. The people and policies at XXXX XXXX are criminal and derelict. They purposefully dish out incorrect information in an effort to generate fees and have totally failed at any standard of fiduciary duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Empowerment Ventures, LLC
State: WI
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Rushcard was supposed to be down for routine maintenance for a few hours on XXXX. These few hours have turned into DAYS! I have no access to my funds. My card shows a {$0.00} balance ( which is incorrect ) When I can get into the website once every XXXX attempts ) it is showing a double posting of my transactions and random processing debits. When you try to call Rushcard customer service ( got the number from the back of my prepaid card ) their the number says out of service '' I have a child to feed and bills to pay and have had no access to my money since Sunday!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: IL
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 the following dates there are some inquiries that I do not recognize and did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to the dealership on XX/XX/2021. I was told by XXXX XXXX they were only going to run my credit thru XXXX XXXX. My credit was ran thru multiple lenders without my consent. Heres the inquiries : XXXXXXXX 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 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 2023-01-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Last XX/XX/2021, i withdraw my money from paypal account but my problem was my account was totally banned or blocked and I can no longer used my paypal account. I want to restore my account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: SQUARETWO FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
CACH holding has not contacted me in the 2 years of debt that I have owed them. I have not received a single phone call or letter from this agency. My credit report shows " criminal activity '' and other key issues that are currently denying me from receiving an auto loan. I have been trying to resolve this issue for over a year, with extreme persistence through the last month. I have not been able to find any contact information about this holding company and my current debt is affecting my ability to acquire a loan for a car that, due to my location of residency, I desperately need in order to continue to remain employed. I need this issue to be resolved this week.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter on XX/XX/XXXX from XXXX on behalf of XXXX XXXX XXXX stating I owed XXXX {$7100.00} I responded to that letter with a VERIFICATION OF DEBT. 

Verification of debt was never received nor was any other correspondence. 

Another letter was received over a year later on XX/XX/XXXX, from a new debt collector CONVERGENT OUTSOURCING INCXXXX requesting the same amount {$7100.00} I responded to that with a similar letter requesting to get DEBT VALIDATED. 

Today XX/XX/XXXX, I received another letter from CONVERGENT OUTSOURCING INC. requesting that I provide the following : 1. Complete affidavit 2. Copy of driver 's license 3. Police Report 4. Proof of Residence I refuse to provide any information to any debt collector until the debt has been validated and the proof is provided.

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 2015-12-22
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015, I contacted Navy Federal Credit Union regarding the Line of Credit and talked to XXXX, customer tepresentative and also requested to speak to her supervisor, XXXX. Arrangements were made that I was supposed to make less than {$330.00} a month. XXXX told me that I am being charged {$190.00} for the interest rate and I told her that was high. I told her that am being overcharged and that I already made arrangements to pay the Line of Credit. I had made this arrangements because we are in a fixed income and both retired. I was not satisfy with her providing the information so I requested to talk to her supervisor XXXX. He did n't seem to assist me at all instead he corrected me went I said the supervisor and he said I am A supervisor which is unprofessional and he had a bad attitude. I told him I will file a complaint to Consumer Financial Protection Bureau and he said go right ahead. He then said I will make sure your loan goes to Collection. Prior to this, I was going to make my line of credit {$230.00} which was online. Apparently, I pay my bills using the Navy Federal Credit Union. I disagreed with XXXX and he did n't assist me at all. As a supervisor, you need to assist the customer not threaten or retaliate by telling me that he will make sure my loan goes to collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I need mortgage verification letter from Bank of America for a HELOC. My husband and I called on 3 separate occasions and was on hold for 1-2 hours at a time. We were given the run around by every person we spoke to. We were told to go to the bank on 2 separate occasions and the mortgage broker would be able to print out the mortgage verification letter. On both occasions we got there and they called the mortgage department they said the couldnt send it to the branch. We were also told they could fax it but couldnt email it but that also never happened. Thus has been a nightmare! I will be cancelling my 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 2016-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There exists a policy among credit reporting agencies such as TransunionXXXX and even XXXX XXXX of reporting " hard inquiries '' in a negative manner. In 2015 I purchased a new car, my score was XXXX, so it was good. I wanted the best financing offer possible so I allowed the car dealership to " shop '' my loan to XXXX different places and accepted the best offer. However although those inquiries were all on the same date, same transaction I received XXXX hard inquiries which dropped my overall credit score XXXX XXXX XXXX points. Now, I know from talking to a CFPB rep that the credit agencies " say '' those inquiries do n't affect your score, that 's not true. Consumers should be allowed to choose the best financing they can get, without being punished on their credit reports. I disputed the inquiries with reporting agencies, but the disputes were denied because they actually happened, those inquiries did take place. So I was punished for trying to shop the market. I have printed reports showing those inquiries as being numbered, printed by name and date and listed as a " credit factor '' on my actual credit reports, so the reporting companies either did n't want to understand the question when CFPB asked the question, or they lied when they told CFPB that inquiries do n't affect your own credit report. I do n't believe that XXXX intended the public to be " pushed '' in only XXXX direction when trying to obtain credit and punished for trying to shop their own credit information.

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 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have submitted dispute letters to all three credit bureaus because all the things I was disputing was n't accurate, was n't mine or the same account being placed on my report triple or more then triple time. .Under the Fair Credit Reporting Act, 15 U.S.C. 1681g That I have the right to demand that they disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting in my credit report. I ask them in the letter please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
Plus, all my loans was discharged later after my third dispute letter request was sent to the credit bureaus. I also fax the letter from Department of Education that stated all my student loans was discharged. On XX/XX/2017 I well be faxing in to each credit bureau NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 letter.

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 2020-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America is my mortgage lender and they make it impossible to set up a recurring payment from a non-Bank of America checking account. I already have a checking account with my bank and that relationship precedes my mortgage with BofA. I was told I could enroll in auto payment for a monthly service fee, or I could open a new BofA checking account. I should not have to pay a fee to make payment on my mortgage, nor should I be pressured into opening a BofA deposit account to avoid paying a ridiculous 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 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have continuously sent letter to the reporting agencies regarding my credit history and XXXX score. I have very little on my credit report less than XXXX in overall debt. Once credit card I have been fighting for months they refuse to remove. I did receive this card and closed it the very next month. For some reason they will not remove it. I have XXXX established accounts that I have used and paid in full each month for the past 8 months. I understand that the balances are low and I do not have very much by way of utilization, However, the reporting agencies at XXXX point raised my score to XXXX then seemingly dropped it down to XXXX, this is after I managed to get {$1300.00} in extended credit, which should have spiked my score. I have been DENIED an apartment and even the ability to turn on utilities. Me and my child are facing homelessness because these agencys dropped my score by XXXX points from one week to the next when I had added to my credit utilization not taken or used any. I am outraged at their practices and unfair lowering and raising of scores. I feel that they are not properly adjusting my fico score considering my income {$5000.00} per month to debt ratio ( {$1000.00} ) is extremely low. AT this point I am looking at options to sue and would like some advise as to what my rights are. THank you kindly

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 2022-09-15
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter to Equifax asking them to look into inaccurate information that I found on my consumer report. There has been no response and no updates that these accounts are in dispute, it has been over 60 days since and still no response. My information was compromised because of the Equifax data breach and I want these accounts deleted immediately as they have cause me great stress.

Company response to consumer: Closed with explanation