BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX : XXXX Delete this account. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 4. The inquiry was not authorized SHEFFIELDF Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
every XXXX of the month I pay XXXX plus a XXXX processing fee. 
i emailed my payment on the XXXX of XXXX. 
XX/XX/2023, called to ask why they did not pull payment from my account they said that the person that handled my account doesn't work there anymore. i asked if i could send both my payments on the XXXX of XXXX and the secretary said that if would be ok, she transferred my phone call to me to a lady named XXXX who would handle our account she did not answer the phone so I left a voice mail explaining that the lady at the front desk said that it would be ok to send both payment of XXXX and XXXX on XX/XX/XXXX. 

i mailed both payments never got any confirmation back saying they received my payment nor have i ever got a statement of what my balance is, account number or anything of a receipt back from them for my own records. 

before i went into the hospital i tried calling US Collections west ( XX/XX/2023 ) to see if i could talk to XXXX and try to make a payment she did not answer the phone nor respond back to my voice mail. 2 days later ( XX/XX/2023 ) i called again and i finally got to speak to XXXX i asked why she hasn't responded back to my voice mails and that I've been trying to make a payment on my account, i also asked that she mail me a statement of my account. 
for the last 6 months before XXXX i talked to XXXX XXXX asking him the same question but he always forgot, or he just didn't want to do it. i told him that it is my legal document for the transaction that i have with you so there is no problems later on. 
i never got that document and XXXX in her words she doesn't want to babysit us nor tell us about our account or send us statements this was on repeat from her she hung up on me and when my husband tried to call her secretary hung up on him and when he finally got a chance to talk to XXXX she hung up on him as well. very unprofessional company. 
in the end my husband sends an email ( XX/XX/2023 ) stating that he would not like XXXX to handle our account due to her being very unprofessional and not sending us information about our account. 
today ( XX/XX/2023 ) my husband received a phone call from XXXX who said that it isn't their responsibility to send us statements when it is clearly stated on their account ( US collection west.com ) that they do I also found this information on the consumer financial protection bureau as well that debt collectors do have to send information about your account, balance and how much was paid. 

i thank you and appreciate the time for helping us out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
BJS CREDIT CARD WHICH IS NOW XXXX  XXXX : I AM DISPUTING THE CASH ADVANCE BALANCE TRANSFER FEE OF {$150.00} PLUS ANY LATE FEES AND/OR INTEREST CHARGED TO MY ACCOUNT. THE BALANCE TRANSFER REQUEST WAS NOT HANDLED IN A REASONABLE TIME FRAME. THIS FORCED ME TO OBTAIN ANOTHER LENDING SOURCE TO PAYOFF MY XXXX XXXX  ON TIME. DOZENS OF MESSAGES AND PHONE CALLS WERE MADE TO CUSTOMER SERVICE AND TO SUPERVISORS IN THE BALANCE TRANSFER DEPT. WHICH PROVIDED NO REASON AS TO WHY THIS TRANSFER TOOK 8 WEEKS TO COMPLETE. SINCE THE BALANCE TRANSFER WAS NEEDED TO AVOID ANY INTEREST ON MY XXXX XXXX, I OBTAINED ANOTHER LENDING SOURCE. THE SECOND LENDER APPROVED MY BALANCE TRANSFER REQUEST AND SENT THE MONEY TO MY XXXX XXXX. BJ 'S BALANCE TRANSFER STILL HAD NOT GONE THROUGH AT THAT POINT. WHEN IT FINALLY DID GO THROUGH, MY ACCOUNT AT XXXX WAS ALREADY PAID IN FULL, SO I PAID BACK THEIR TRANSFER IMMEDIATELY IN THE AMOUNT OF {$5300.00}. SINCE BJ 'S BALANCE TRANSFER MONEY WAS RETURNED, THERE WAS NO REASON TO CHARGE A FEE, ESPECIALLY DUE TO THE LENGTH OF TIME FOR THE TRANSACTION TO COMPLETE. I HAVE NO INTENTION OF PAYING A FEE TO BJ 'S FOR SERVICES THAT WERE NOT PROPERLY HANDLED. I HAVE REQUESTED MANY TIMES FOR BJ 'S TO CREDIT MY ACCOUNT IN THE AMOUNT OF {$150.00} PLUS LATE FEES AND THEY HAVE IGNORED MY REQUESTS. THIS ACCOUNT HAS BEEN FLAGGED ON MY CREDIT REPORT AT XXXX XXXX AND OTHER CREDIT BUREAUS AND IS DAMAGING MY GOOD CREDIT. I HAVE ADDED A CONSUMER STATEMENT REFERRING TO THIS ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HAD A LATE PAYMENT TO THIS COMPANY IN ALL THE YEARS I WAS A MEMBER. 
THIS BJ 'S ACCOUNT HAS NOW BEEN TRANSFERRED TO XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: NY
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: U.S. BANCORP
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Subject : Complaint Regarding Failure to Receive Promotional Bonus Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their email campaign. Despite meeting all the requirements specified in the promotional email, I have not received the {$400.00} as offered by U.S. Bank. 

To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. Attachment 1 outlines the terms and conditions of the promotion ( the U.S. Bank official promotion link https : XXXX was expired ). According to the disclosures of the promotion, I deposited an initial amount of {$25.00} to open and activate my account online on XX/XX/2023 ( see attachment 2 ) and I also enrolled in the U.S. Bank Mobile App within 90 days of opening my account. Moreover, Attachment 3 displays my U.S. Bank transactions, demonstrating that I completed two direct deposits within 90 days of opening my account with a total of {$6000.00} : {$3000.00} on XX/XX/2023 and {$3000.00} on XX/XX/2023, thereby satisfying all the eligibility criteria stated in the promotional offer. 

Despite my repeated attempts to contact U.S. Bank, I have not received any satisfactory resolution to this issue. I have reached out to their customer service representatives multiple times, providing them with all the necessary documentation and explaining the situation, but to no avail. It has been almost XXXX months since I fulfilled all the requirements, and the bonus has still not been credited to my account. 

I believe this failure to fulfill their promotional commitment is a violation of their terms and a breach of the agreement made between U.S. Bank and its customers. Such practices erode consumer trust and undermine the credibility of financial institutions. Therefore, I kindly request your intervention in resolving this matter and ensuring that U.S. Bank honors their promotional offer by promptly providing me with the promised {$400.00}. 

I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.

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 2023-08-13
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or upated immediately. Account number XXXX, Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: SUNCOAST CREDIT UNION
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I had a Wells Fargo mortgage loan, back in XXXX to XXXX. I ran into a hardship with my payments and requested a modification several times and continued to be denied. 

My house was placed into foreclosure, and I ended up having to sell my home. During the process of me trying to get a loan modification. 

After recently reading about the lawsuit regarding the denial of loan modification with Wells Fargo and the sanctions brought about is when I realized that I was a part of this scam and denial process that was being done to homeowner 's loans with Wells Fargo. 

I did put in a compliant regarding the false claims that my house was sold and not foreclosed on, But they stated that no wrong act had taken place on their part, and my house was listed as being foreclosed on. This effected my credit score as well as my ability to get another home loan.

Neither the less, I was forced to sell my home. I could never understand why they continue to deny my loan modification request. We were told we over qualify. 

Now that I am aware of this lawsuit, of Improperly Denied Mortgage Modification which by the way I never received any communication regarding this matter, from Wells Fargo or Cfpb for the Orders of CFPB mandating Wells Fargo to pay XXXX XXXX Widespread. 

I wrote a complaint which can be found in my portal to confirm this complaint. Nothing was done to support my claim other than Wells Fargo response. 

My concern is that this was not looked into further and communication regarding my complaint of unfair practices on Wells Fargo Part to look into my loan modification documents further. Truly I feel we were looked over and nothing was done to help us with this unlawful at from Wells Fargo.

Now we see that we should have been a part of this lawsuit regarding the loan modification program and the time frame and location it took place in.

I am in hopes that we are listed as one of the accounts that was part of this scandal. I am sure we were. How is this managed and where do I go from here? 

How do I find out if I should have received some compensation regarding this issue. 

Thank you for your time and consideration. 

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 2023-08-10
Company: U.S. BANCORP
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a US Bank Smartly Checking account online on XX/XX/2023, with an opening bonus of {$600.00}, which I should make more than {$10000.00} direct deposit within 90 days after the account opened. I actually made more than XXXX direct deposit by XX/XX/XXXX but did not get any bonus. 
I called US Bank on XX/XX/XXXX and was told I should receive the bonus by XX/XX/XXXX. However, nothing happened, and I called back on XX/XX/XXXX and was told to receive it by the end of XXXX. However, nothing again. On XX/XX/XXXX, I spent another 1 hour speaking with them and was told I should receive it no later than XX/XX/XXXX. I called another two times after that, and every time I heard a different story and was kicking around like a ball, I was kept transferred around but everybody told me a different story sometimes they told me someone will call me back the next day. However, I never receive the call back nor receive the bonus which I should receive. 
It's really frustrating and to me a huge mental health burn.

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 2023-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One 360 failed to mail a new debit card to Account # XXXX XXXX XXXX XXXX XX/XX/XXXX nor respond to honorable XXXX Complaint Report XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX further failed to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/XXXX. 

Capital Ones legal representation called XXXX XXXX, XX/XX/XXXX at XXXX XXXX stating he had 1-Hour to agree to whatever settlement amount they offered. I request the CFPB order provisional payment over {$50000.00} for their negligence to prevent XXXX XXXX XXXX from banking while leaving the bank account # XXXX open, failure to file and failure to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX 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 To my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: NC
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. 
Account information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Credit Card Receivables Fund Incorporated
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX served an address in XXXX XXXX ca for a debt that I am skeptical belongs to me because I was a victim of identity theft in XXXX. I was not aware of a judgement until they levied almost all of the money in my bank account that almost left me destitute and homeless. The money in the account was XXXX XXXX XXXX XXXX XXXX XXXX for cost of living. I would like to file an official complaint and let you know if theyre illegal practices. I resided at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, ca. XXXX when they served a false address in XX/XX/XXXX.

Company response to consumer: Closed with explanation