BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: KY
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 investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$4300.00}

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 2023-01-05
Company: BANK OF THE WEST
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been a customer with Bank of the West for many ( XXXX ) years. I have a checking account, a savings account and a credit card with them and with the last five years they have become absolutely horrible. 

They offer overdraft protection, but its not overdraft protection. Its a scam. I I have spoken with many representatives, and asked them rather than overdrafted my account if they could decline the charge. They say to enroll in overdraft protection to do this however, it doesnt do anything and continues to overdraft the account. And when youre not enrolled in overdraft protection, it does the same thing. 

I also have a savings account which should take money directly out of savings, rather than overdraft my checking but this is also not done. The only thing they offer is ONE overdraft refund a year. The overdraft fee is {$35.00}. 

Ive sent notifications to notify to notify me the minute. My account is under a certain amount, but Ive they never notify you until after they can charge you. 

I have pretty much tried to stop using my bank accounts because they continually overdraft me unfortunately this has caused me to use my credit cards more. Causing me to go into more debt. 

Their practices with my credit card are also very suspect. Its almost impossible to pay the credit card. If you pay it early, they debit the money out of the account that you paid from but dont apply it until the actual payment date. The money essentially just disappears until payment date. Also, if you deposit a check into your checking or savings account, the money has to clear before you can even begin to pay your credit card. Good luck even trying to get in touch with their credit card customer service on this- Ive been put on hold for hours and never got in touch with anybody. 

Ive paid hundreds of dollars in overdraft fees which honestly I dont have the extra money for. 

Ive been a customer for many years with Bank of the West- I thought a community/regional bank would be a better option but its not. I wouldnt recommend this thing to anybody and I hope the government goes after them.

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 2022-08-16
Company: CMRE Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a 100 % permanent and totally service connected XXXX veteran. ALL MEDICAL DEBTS PAID BY US TREASURY. i spoke with someone 2 years ago when contacted about it and told them my status and was told it would be forwarded to the correct department for correction. 2 years later it pops up as a derogatory mark on my credit and i disputed immediately because i check my credit karma account regularly because i have been vigilant and actively trying to improve my score to buy a final homestead over the past year. 5 disputes submitted and they keep coming back as accurate to XXXX. 

My complaint is about how obvious and simple it is to verify my claim and somehow after 5 months of alleged contact and investigation with the creditor listed bellow it has not been corrected yet. 

This is causing my credit score to be adversely affected for numerous other credit applications and my housing situation is needing to change in the next 6 months. 

I am worried i wont be able to get any type of home loan the longer it is not treated with the respect it deserves by either the creditor or the bureaus. 



CMRE FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/ XXXX XXXX XXXX XXXX  a check for XXXX dollars was deposited into my daughters account at a ATM that wasn't associated with my account or her account and they made the funds available at XXXX on XX/XX/XXXX and someone withdrew XXXX at the same Atm .Me or my daughter did not withdrew the funds. I called the bank and also went into a branch to try to resolve the situation and now they are trying to make me liable for the money that was withdrew, because they said her card was use and her pin. I am the owner of the account because my daughter was XXXX XXXX age when she got this account.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: SC
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. 

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 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 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 seven years.

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 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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Submitting this CFPB complaint will be my 12th CFPB Complaint to be submitted requesting the exact same request over and over again for the last 6 months! When will the Credit Bureaus be able to remove the disputed accounts and information completely from my Credit report? Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information completely from my Credit File! However, despite the countless CFPB complaints and Dispute letters that I have been submitting, the Credit Reporting Agencies have not complied with the implied Federal statute and decided to ignore my requests. Since the Credit Bureaus have been claiming that the disputed items belong to me, I have been requesting copies of proof of verification or proof of ownership or any documents bearing my signature to prove the Credit Bureaus claims. However, these requests have also been ignored and yet the Credit Bureaus still indicate the disputed items as verified! Which is just ridiculous! This will be may last attempt to request to the Credit Bureaus to remove the disputed items otherwise I will be filing a lawsuit. Once again, I was a victim of identity theft and the following items which I believe to be resulted due to identity theft be immediately removed from 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 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 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 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 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 2023-02-02
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:
The XXXX/Equifax/XXXX  Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets delete this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about this complaint. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00}

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 2023-03-09
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have receiving a hospital bills from the same place but different amount and different collection agency now i received a bill for XXXX i told them i didnt go to the hospital the year and time frame they had on my credit report and i never received a bill because i never went.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/23 I received a bill in the mail from Citizens World for an account that I never applied for. I called the number on the bill and was informed that an application was done online for the account on XX/XX/23. They of course closed the account for me on XX/XX/23. They asked if I was sent a credit card. I have not received one in the mail as of yet. They informed me that all my personal information was used for the application. As of now blocks have been added to the credit reporting agencies and was also asked to proceed with this process as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was hired to work for a company they gave me onboarding paperwork to fill out then sent me a check to purchase aloe my remote work equipment they told me if I had trouble securing anything to reach out to them. The specific XXXX they wanted was not available so I asked them if I could get another one they told me they would reach out to the it department to see if they had anything available so I contacted the person and they said there was one they could ship to me next day and they would load all the software I needed on it as well. I sent them the payment for that out of the money that was given to me for this purpose. The next day I got notified from the bank that the check was fake and I was confused I told them its from my job they told me Ive been a victim of remote job fraud I asked them what I could do they said nothing since I sent the money. 

I reached out to the company who said they would try to figure out whats going on and get back to me but shortly after the communication with them was cut off I called the police department and filed a police report and they told me to try and speak with my bank. I bank with navy federal and I am a XXXX they dont want to do anything to help me and now Im in the hole XXXX that I dont have

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: NV
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 have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so.Please investigate my disputes, please.Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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:
XXXX XXXX - sold my car for a low price to an outside party. I still had over {$3000.00} worth of electronics in that car. They were suppose to close this account due to over the top Maitenance visits because the car had so many issues. On top of that. Every time the car broke down, I had to get it towed and paid out of pocket. XXXX XXXX was suppose to reimburse me for those tolls and did not fully pay me back. I asked over and over for someone to give me a call because I am owed money for those tolls. 

Credit Acceptance- still billing me and harassing me with phone calls after my truck was involved in an accident. I was not in the vehicle when this happen. The insurance company XXXX declared the truck as a Total lost. Now I can not get my truck registered again because it is now a total loss vehicle. I asked them to close this account because they did not accept the offer from XXXX for me to receive a check for my damages. They did not want to sign over the title because of my account status. The truck is not drivable and is parked due to tail end hit, and gas tank leaking fluid.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
According to law if the bureau has incorrect information or not the original debt collector then they are violating my rights and it should be cleared. Please verify, my original contract with wet ink. 
Please send creditor information, itemized receipt and proof of ownership

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 2023-02-10
Company: ALLY FINANCIAL INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Allys customer service truly XXXX! I was approved for a credit card about 2 weeks ago and today when I called, the customer service rep I spoke with refused to give me any account information even though I am the account owner. I explained that I was approved for the card and received a notification stating that I would receive a card in 7-10 business ; with the contingency that it make take longer because of delays the company was experiencing. The agent I spoke with could have cared less! I asked for my account number because this wasnt given to me and she said no, stating it was company policy. I asked when was I going to receive my card and she said it was mailed on XX/XX/2023. I asked for the tracking number and she said I cant provide you with this information because USPS doesnt provide tracking numbers. I asked why I was having issues with setting up the app, and she advised you will have to wait to activate your card and then you will be able to set up the app. WHAT KIND OF YANKEE DOODLE, ANTIQUATED, OUTDATED COMPANY IS THIS???!!! At this point, Im not sure I really want an account because of the lack of competence in relation to customers being able to access their account information after they have verified their account! I feel like the person I spoke to simply didnt want to do her job and instead lied to me ( i.e. treated me like a crash dummy ) because 1 ) once your account is verified most companies will provide you with your account information, 2 ) USPS provides tracking numbers on postal mail so that you can track your document and/or package dependent on how it is shipped, and 3 ) when customers call in they shouldnt have to keep asking for additional information because agents do not want to do their job! I also asked the agent to verify my address to make sure it was being shipped to the right address and even with this simple request, I had to ask multiple times!! My experience thus far, has been the equivalent of a clown show! I definitely will not be wasting time referring anyone to engage/or give Ally their business because it is simply not worth it!

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 2023-02-24
Company: Experian Information Solutions Inc.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 non-monetary relief
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted XXXX and XXXX about an account that I have some incorrect information on. I have 5 late payments on an account that should not be on my account. I sent out a dispute by mail on XX/XX/2023 showing proof that the late payments were not suppose to be on my report but XXXX told me that they have not received anything. At that point, I tried submitting the documents online but did not go through. Im also trying to fix this same problem with Equifax but I could not reach anyone on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 started to get alerts that said that I had multiple lates with my Capital One Saks credit card. I contacted Capital One to get more information and to figure out what the issue was. I had spoken to multiple reps to figure out the issue. The first two reps gave me completely different information. One said I had no 30 days past due and the second one said i did and the third one said that it was two lates ( XX/XX/XXXX and XX/XX/XXXX ). I printed out a copy of my credit report and the only late I saw was from XX/XX/XXXX and it was a 60 day late. I am uploading a report from my XXXX credit report where it shows what i am claiming. I also spoke to my bank where I make the payments from and they suggested i provide proof of all my payments which i did. At this point I am very behind on a business project because I am not able to get additional funding due to this issue I'm having with Capital One. Evermore, I have never had any lates on any of my other 15 plus credit cards, ever! I pay all my accounts on time and I'm never behind.

Company response to consumer: Closed with explanation