BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
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:
I have dispute about a bankruptcy they fail to investigate the account properly and verified as accurate and according to the court they do not report to credit to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/14, my checking account shows payment was taken from my balance and issued to XXXX XXXX credit card. However the payment never made it to XXXX XXXX. In contacting XXXX XXXX first, they stated the Prosperity Bank rejected their request for payment, stating account not located ; however Prosperity Bank still debit my account for the {$1300.00}. I need someone to research what happened to my money that they said was sent over but the recipient never received. Im out this amount and speaking to a branch manager in XXXX, XXXX. She said there wasnt anything they can do. 

My checking # is XXXX. My checking account has been closed recently but this payment that posted to my account in error was made prior to the closure. Im providing the account number because Prosperity Bank can not find me in their system by ssn or name. Their system is messed up and may be the reason for this accounting error

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 received a copy of my credit report and noticed all of these Auto finance inquiries I didn't authorize : XX/XX/22 COAF XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 CAPITAL ONE AUTO FIN FINANCE XXXX XXXX  XX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSCARD, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On approximately XX/XX/22 I entered my banking information on an online portal for reimbursement of XXXX XXXX XXXX XXXX XXXX XXXX  The reimbursement institution is XXXX. I made an error on the account number, transposing XXXX numbers. The transaction was authorized and apparently processed into the wrong account at my bank XXXX XXXX ( Texas ). At that time, I began petitioning XXXX to reverse the transaction and correct it, which they have agreed to do and have given me timelines for which I should see the money redeposited into the correct account. After over a month of pursuing this and not seeing the correction, I learned there was a third party, Transcard, in charge of the actual transaction of over {$3000.00}. I began the same process with Transcard, and again, was assured that the correction would occur and given timelines for checking to see if the correction was made. As of today, the correction has not been made, I have been unable to speak to supervisors at either institution and no longer have any trust that they are working on the issue. I did contact my bank and found that they could not provide me info due to protection laws for the other customer, but they did draft a letter, asking XXXX and Transcard to simply recall the funds so that the correction could be made. 
The failure to respond to my request or to simply answer questions so that I could know XXXX XXXX to take is blatant. There is a definite pattern of not responding, or providing inaccurate information that appears to show negligence in correcting the error. I have made numerous calls to both entities and although they promise to call me back, that has most often not been the case. I can supply emails, notes and XXXX bank 's documentation to show my efforts, along with a log of calls I have made. Please note that the documents I am attaching are not exhautive, but a few of the interactions. I have further documents if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Diversified Adjustment Service, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To whom it may concern, This morning ( XX/XX/18 ) I received a call from the Diversified Adjustment ( Collection Agency for XXXX ) regarding an outstanding balance I owe. The call was received at XXXX XXXX   ( EST ). The rep I spoke with was rude and wouldn't listen to my attempt at explaining that my cell phone was returned via the XXXX Label provided by XXXX and that tracking information was not available through XXXX because the package was never logged or picked up by them after I dropped the device off at a local XXXX Drop Box. Ultimately, I advised I was not going to pay their agency and ended the call as the agent repeatedly spoke over me and would not listen. 

Later in the day I received a 2nd call from " XXXX '' at XXXX XXXX attempting to collect the debt once again. To my knowledge this is a violation of the FDCPA, hence my reporting of this issue. I did not have the name of the agent from earlier in the morning and " XXXX '' would only disclose that her initials were " XXXX XXXX ''. Upon notifying " XXXX '' that I had already spoken with someone I advised the same that I was disputing the balance. I advised " XXXX '' that I would not be paying in the near future as I am going to explore my options to further dispute the debt owed and " XXXX '' ended the call without notice ( hung up ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. 

XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Zenith Financial Network Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/XXXX, Zenith Financial Network Inc contacted me by phone about settling a refund I was due from them concerning a prior CFPB complaint that I filed. 
The compliance manager XXXX offered to pay the {$1500.00} refund in two installments one month apart. She assured me the transaction would go through, and I agreed to the terms. 
About XX/XX/XXXX I did receive {$750.00} from the company. Because of this, I was expecting the remainder of the refund to follow. 
After several phone calls, and correspondence ( XX/XX/XXXX ) I sent them, I have received no response about the status of the second installment.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-25
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/14 I submitted a payment of {$1300.00} through the American Express XXXX XXXX. The payment was reversed stating that bank account can not be located and charged me for return fee plus interests. On my bank side, it shows the payment came out of my account with the trace number. I tried opening a dispute case with American Express and provided a copy of my bank statement showing the amount that came out. 3 weeks later American Express closed my dispute case without providing any reason. I logged into my account and found that the case was closed. I called and spoke with the dispute department and they gave the same initial response that payment was not received and its my banks problem and I should pursue with my bank. My bank wont do anything either stating they sent the payment.. Im not sure whose fault it is but someone has my {$1300.00}. Both sides are washing their hands of it. I also filed a complaint against XXXX XXXX I need both sides to figure out who has my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Credit karma always send me reminder that i hace a new credit card fair approval. So make the application and i get denying and my high impact keep getting accumulated and my goal is to fix my credit not get it worst. Credit karma need to stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Duvera Billing Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously made a complaint about this company putting this debt on my credit report as a result of identity theft. I am requesting that a investigation be done and how and proof. The company responded to my first request but only to say that the email and phone numbers matched. That only proves that someone stole my identity. I am demanding a proper investigation and removal of this account from my report as it is damaging my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report.

The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the subsequent : ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: VW Credit
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : VW CREDIT INC XXXX Date opened XX/XX/2018 Balance : $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: GA
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 have been trying to get information from this company about the unknow account, I sent to the Credit Bureaus and to this company Certified mail, the unknow collection company account is listed below. 
XXXX and XXXX XXXX the full account is listed at XXXX XXXX Both did respond back and there also unauthorized Inquiries on all three Credit Bureaus the Inquiries are listed below XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Savvy Money, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received 2 different alerts on different days ( Savvy Money on XX/XX/ and XXXX XXXX on XX/XX/ ) from 2 different credit monitoring companies ( Savvy Money through XXXX XXXX XXXX and XXXX XXXX through XXXX XXXX XXXX ) advising me that my score had dropped significantly. ( XXXX XXXX ( XXXX ) XXXX to XXXX XXXX point drop and Savvy Money Inc XXXX XXXX XXXX XXXX to XXXX point drop. I am unable to reach a live person at neither companies. So, I called XXXX and spoke to XXXX to ask how I could reach them, she advised that she " XXXX '' their contact information and advised me to go on line and submit a question to them which I had already done and no response as of this note. I asked her to have a supervisor call me back, no one has called me back. I also called XXXX XXXX directly, I spoke to XXXX ( requested a supervisor to call me back on Friday XX/XX/22, no call. I called back today XX/XX/ and spoke to XXXX ( in the Fraud Investigation dept. ) which I asked him to transfer me to a supervisor in the US because him and XXXX basically sounded like they were reading from a script and could not tell my why there was such a large drop in my score when there had been no late payments, or anything that would speak to the large drop. I did have 1 hard inquiry but that only speaks to a few points. XXXX transferred me to XXXX in the US a and she could not explain the drop. All 3 of them told me to contact the credit monitoring service which I have been unsuccessful in reaching a live person. I was even advised to go to XXXX. When I asked why and stated that the website would not be able to tell me why my score dropped I received silence. I'm getting bounced around and not getting answers. I asked XXXX to have her manager call me since she was not telling why the drop happened, she only gave possibilities, nothing specific. I want my credit score restored. This has impacted my me and caused a lot of stress over the last 4-5 days. I need answers. XXXX XXXX/used the XXXX XXXX scoring model and Savvy Money uses XXXX XXXX XXXX scoring model. Please help me. It is outrageous and unfair to ask an everyday citizen to fix a problem like this. Service is definitely lacking with every person I spoke to. I honestly thought I would get this resolved but after 10+ calls and no return calls I hoping you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: B&F Finance Corp.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
AFTER MAKING NUMEROUS PAYMENTS TO B & F XXXX  AND MAKING ARRANGMENTS AFTER DUE TO XXXX AND INFORMING THEM I WAS IN DESPERATE TIMES DUE TO A DEATH DUE TO XXXX AND HAVING TO PAY FOR AN UNEXPECTED FUNERAL DUE TO XXXX DEATH. B & F CONTINUED TO CALL ME NON-STOP AFTER TELLING THEM IT WAS NOT A GOOD TIME THEY CONTINUED TO CALL NON STOP ON MY WOR PHONE AND CELL PHONE. THEY THEN CALLED MY FAMILY AND FRIENDS AND INFORMED THEM OF MY PERSONAL ISSUES WHEN MY FAMILY ALREADY KNEW OF MY FAMILY PROBLEMS DUE TO XXXX AND THE DEATH OF A FAMILY MEMEBER THAT WAS A CONTRIBUTING PERSON TO MY HOUSEHOLD. THEY EXPOSED ALL PERSONAL INFORMATION ON A RECORDED LINE TO FAMILY AND FRIENDS BECAUSE THEY THOUGHT I WAS LYING ABOUT MY SITUATION. AFTER THIS I HAD TO EMAIL THEM A CEASE AND DESIST TO STOP ALL COMMUNICATION AND THE HARRASSMENT. THEY WERE PUTTING ME UNDER DURRESS AS A CUNSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have an issue I wont to update my address and phone number to receive my settlement check 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 2023-01-29
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Re : Wells Fargo Charged {$20.00} XXXX {$10.00} fees for no good reason. XXXX was reversed. I was told that I waited too long to correct the error for the other one. It was at the branch on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The guy I spoke to first lied about the type of account I have. Then lied about the minimum amount of money needed to Not be charged a fee. I said he was XXXX. he told me to 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 2022-08-03
Company: Experian Information Solutions Inc.
State: MS
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 XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy. 

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out 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 2022-12-27
Company: CITIBANK, N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank runs promotional offers where you open an account and gets up to {$2000.00} bonus after terms were met. I opened an account using their promotional offer page on XX/XX/XXXX and deposited {$32000.00} to earn {$500.00} bonus. According to the terms of the offer, I had 20 days to deposit fund and 60 days to maintain the fund. Then after within 30 days, I receive the bonus in my account. I met all conditions by XX/XX/XXXX and I still dont have my bonus. It should have been deposited the latest by XX/XX/XXXX per the terms. I called Citibank customer service on XXXX XXXX since I didnt see {$500.00} bonus hit my account. The agent I talked to confirmed I met all conditions and should have the bonus deposited by then. He created an investigation ticket and told me to wait 5 business days. I didnt of course receive my bonus after 5 business days. So I called for follow up and other agent looked into it and told me it could take 7 business days and to wait. Of course I didnt get the bonus after 7 business days either. I called for follow up again and talked to supervisor. Again, no updates other than its processing and could take 10 business days. I have followed up 7 times and other than different answers on how long investigation takes, no help at all. 

Its been 3 weeks since I originally contacted Citibank about the promotional bonus that was already overdue at the time and still they have no answer. I have spent at least 7 hours on calls talking to different agents in the past 3 weeks and no help from anyone other than just it is in progress. I lost opportunity to invest the money I had deposited with Citibank because of them not meeting the terms. I finally took out my money on XX/XX/XXXX after confirming with agent that the bonus wont be impacted since I had already met all the conditions. 

I suspect this is a system bug and has happened to many customers of Citibank. Unfortunately bank isnt addressing the issue in timely manner and causing financial distress for the customers. Their customer service is in XXXX  and does not understand criticality of the issue or have any power to make decisions. Citibank does not have anyone I can talk to here in the US for this issue either. 

It has been so frustrating and time consuming. I think Citibank needs to be investigated for bad business practice like this where they run promotional offers but not follow through. 

I am attaching similar offer with this complaint Citibank is running right now too. Mine was exactly like this.

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