BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Made a deposit via mobile app to USAA Banking XX/XX/XXXX. Once deposit was made I was advised there a hold on the funds until XX/XX/XXXX. I contacted the bank and was advised the funds could not be released until that date. According to the The Expedited Funds Availability Act of 1987 ( EFAA ) local checks cant be held for no longer than two business day. I asked if a portion of the check could be released before the XXXX as I have no money to live off as well as some payments will return as they are scheduled to come out of the account before the scheduled release date, I was advised no. USAA is the only bank that places such a long hold on local checks and it should be investigated and confirmed if legal.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: DISCOVER BANK
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I want the fraud disputes I opened to be reopened as I have direct evidence from law enforcement that proves the transactions were fraudulent and their repeated decisions to close the disputes are incorrect. The amounts in question were XXXX, XXXX and XXXX. I want them to review the XXXX findings and refund the fraudulent charges in accordance with their own policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I emailed Nelnet with a question about principal and interest allocation on a payment and have not received a response. I also received two different statement amounts in XXXX and XXXX, XXXX at {$59.00} monthly payment to {$220.00} in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened a checking account with Wells Fargo from an offer to receive a welcome bonus of {$320.00} if " {$1000.00} or more in qualifying electronic deposits were received within 90 days ''. I deposited electronically a total of {$1000.00} by XX/XX/24. 

When i asked about the missing bonus it was explained to me that the deposits would have to be from an employer and deposits from other banks were not eligible. I think that is very misleading and should have been made clear in the marketing materials. If i had to set up a direct deposit from my employer or other entity that should have been a main part of the marketing as it is with other banks. Other banks that have similar offers that only mention electronic deposits do not have this requirement and accept electronic deposits from any source.

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 2023-10-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never lived here I am writing to dispute a collections account that appears on my credit report. I have reason to believe that this account is not a valid debt, as the debt collection agency listed on my credit report, FAIR COLLECTION & O / XXXX XXXX does not have a license to operate in the State of XXXX, where I reside. 
I have enclosed evidence to support my claim which confirms my residency in XXXX where i have been living for 10+ years and still am living. 
As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), a debt collection agency must be licensed in the state where it operates and the state where the consumer resides. In addition, XXXX law requires debt collection agencies to obtain a license from the XXXX Department of Business Oversight ( DBO ) before engaging in debt collection activities in the state. 
Given that FAIR COLLECTION & O / XXXX XXXX does not have a license to operate in XXXX, I request that you immediately remove this collections account from my credit report and anything that has to do something with this debt as it is in violation of the FDCPA and the RFDCPA Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, 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 2023-11-29
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to you in an urgent and distressed state, seeking your immediate attention to a matter that is adversely affecting my mental health and financial well-being. My credit report, as provided by your bureau, includes a fraudulent account that has been consistently tarnishing my record. I am writing to formally dispute this account and request its immediate deletion. 
XXXX XXXX XXXX XXXX -PLEASE DELETE!!!! 
It is with great frustration and distress that I address this matter. I have recently become aware that I am a victim of identity theft, and this fraudulent account is a direct consequence of this malicious activity. This situation has taken a toll on my mental health and is causing severe stress and anxiety as I am wrongly facing the consequences of someone else 's actions. 
Despite my efforts, the presence of this fraudulent account on my credit report continues to impact my financial standing and personal well-being. I implore you to consider the gravity of this situation and take immediate action to delete the fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION AND FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED AND SHOWING PROOF THESE ACCOUNTSDONT BELONG TOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX  XXXX XXXX Balance : XXXX  XXXX XXXX  XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX  ; XXXX XXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They are credit reporting actions have been violated several times known as title 5 of the consumer credit protection at also Violation privacy act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX, XXXX XXXX, SELECT PORTFOLIO SVCIN  XXXX and XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
THESE ACCOUNTS IS NOT MINEEEEE. 

XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX I NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called Barclays to dispute a charge on my card. The rep told me that he would have to cancel the card. I told him that I did not recognize the name of the vendor and that I needed more information. He refused to give it to me and also refused to reverse the charge unless I cancelled my card. Barclays fraud detection should have picked this up. I was out of the country when the charge was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TekCollect Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, a new collection was added to my credit report making my score credit score fall drastically. The collection agency Is Tek Collect Inc and the original creditor was XXXX XXXX XXXX XXXX. I contacted a Debt Collector remover ( Credit Sage ) as I wasnt able to get in reach with Tek Collect and they stated this charge is false and doesnt have any correlation with me

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
CAINE & WEINER HAS VIOLATED 15 USC 1681 A1AI BY NOT RESPONDING IN 30 DAYS TO MY DEBT VALIDATION LETTER THEY RECEIVED ON XX/XX/2023 TRACKING # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I tried to le my taxes and it did not go through. My accountant advised me that it did not go through because I was claimed as someones dependent. I never authorized anyone to use my information and denitely am not someones dependent. I feel as if I am a victim of identity theft. I was advised to report this to the credit bureaus. I called XXXX and they told me I had to report this on here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of XXXX, my car was broken into. I had a debit card stolen and a CitiBank Best Buy credit card stolen. My bank fixed the fraudulent charges on my debit card. However, the Best Buy CC was newly opened and I had never used it. yet, someone had made a {$1200.00} purchase on it. I reported the card stolen to Best Buy ( the number on the card ) immediately, I was told that they would sort it out and issue me a new card. They never did either. Now this debt is severely effecting my credit. The debt is not mine. This company allowed someone who was not me, make a purchase in their store, without even checking their identification.

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 2023-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : Urgent Dispute with XXXX XXXX To Whom It May Concern, I am writing to file an urgent and strongly worded dispute with XXXX XXXX regarding a recent settlement agreement that has unfairly damaged my credit report. My name is XXXX XXXX XXXX, and my account number with XXXX is XXXX XXXX XXXX XXXX. I have been a loyal customer of XXXX XXXX  for XXXX and, regrettably, that loyalty has been repaid with dishonesty and deception. 

In XX/XX/XXXX, I was contacted by XXXX XXXX regarding an outstanding debt on my account. A XXXX representative aggressively pushed for a settlement, promising a quick resolution to my financial woes. However, during this interaction, I was deliberately not informed about the severe credit consequences of this settlement. The lack of transparency and forthrightness from XXXX XXXX is nothing short of a betrayal of trust. 

I subsequently discovered that this settlement has inflicted serious harm to my credit score, leaving a detrimental and unjustified negative remark on my credit report. I am appalled by this underhanded tactic used by XXXX XXXX, as I was led to believe that this would be a reasonable and fair resolution to my financial situation. 

I insist that XXXX XXXX correct this injustice immediately. I demand that XXXX XXXX takes immediate action to remove the damaging negative remark from my credit report, restoring my credit to its rightful state. Furthermore, I expect XXXX XXXX  to adopt transparent and ethical practices when dealing with customers ' financial matters. 

Enclosed, please find copies of the pertinent documentation, including my account statement and correspondence with XXXX XXXX, which clearly support my claims. 

I expect your prompt and thorough investigation of this matter. I demand a resolution that is not only fair but also serves as a deterrent to XXXX XXXX  from engaging in such deceitful practices in the future. 

I urge you to act swiftly on this matter, as the damage inflicted upon my financial well-being is entirely unwarranted. You may contact me at XXXX or XXXX if you require further information or clarification. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have fraudulent accounts and charges on my personal credit file from XXXX XXXX XXXX and XXXX XXXX that does not belong to me. My information was stolen by someone else and these accounts were opened by the person who stole my identity. I have been trying to dispute these charges with them directly but has not worked out neither they gave me solutions. 

I have late payments entries that I do not recognize at all and I request the removal of these entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 want these accounts to be removed from my credit because they are not mine and they are negative, they hurt me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, Equifax and XXXX Credit Bureau is reporting inaccurate information on the following accounts. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I encountered two distinct offers for the Chase Sapphire Preferred card : a pre-approved invitation from Chase promising XXXX bonus points and a public online offer for XXXX bonus points. 

Upon applying for the card via the public XXXXpoint offer, I was promptly denied on the grounds of " an excessive number of credit inquiries, '' a rationale that puzzled me given my record of only one inquiry over the past 12 months. What is particularly baffling is that, on that very same day, I applied via the pre-approved invitation through the Chase Mobile app and was instantly approved but for the lesser XXXX points offer. The stark contrast in the outcomes, both rendered within hours of each other, raises serious concerns about the consistency and fairness of Chase 's evaluation system. 

I subsequently contacted Chase Card Services on XXXX XXXX ( as indicated by my communication dated XXXX ) to request a match to the XXXX bonus points offer. The first response I received was on XX/XX/XXXX, stating that my account had a temporary hold by the Fraud Department, and they couldn't review the bonus offer at that time. 

My concerns were escalated to an investigator on XX/XX/XXXX. However, despite the gravity of the escalation, there was a prolonged silence from Chase. It was only after my follow-up message in XXXX that I received feedback. On XX/XX/XXXX, I was informed that my account ( ending in XXXX ) wasn't eligible for the XXXX bonus points promotion, and a match to this offer was refused. 

Throughout this period, there were noticeable delays in communication, and the issue has not been resolved in a manner I deem fair.

Company response to consumer: Closed with explanation