BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-26
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My son, XXXX and I are both on this banking account at US Bank. On XX/XX/2019, XXXX attempted to withdraw {$500.00} USD on an ATM machine at the US Bank : US Bank XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX No money was dispensed, and he got a message that he needed to remove his card so he did. XXXX thought there was a machine malfunction so he tried the transaction again and received message that he had reached his limit and could not withdraw funds. Online banking showed that the {$500.00} was taken out of his account. XXXX called the bank and was told that it would get figured out because the ATM machine wouldn't balance so the money would be put back into his account. However, the money was not put into his account and the complaint was closed because the bank said the ATM balanced. They then filed a fraud report, and told us to wait 10 business days for provisional money to be put into XXXX 's account. The money wasn't put into the account and when I called to check on it, they said that it wasn't fraud, that it should have been filed as a dispute so they closed that claim and filed it again as a dispute. We requested that they give the {$500.00} provisional money and they denied that request, then XXXX XXXX called the next day to say that the money will be put into the account, until that claim is settled. We have requested numerous times for someone to watch the video to prove that XXXX did not receive the money. HOWEVER, XXXX XXXX XXXX, Assistant Vice President at that location sent us an email stating " When the Police present us with a subpoena for information well be able to get that on to the right department so that they can work with the Police. '' XXXX did file a police report, then we followed up with the detective, who stated that he isn't able to get a subpoena for this because it's not a criminal matter, but a civil manner. And US Bank is still not willing to watch the video to determine what happened! This is ridiculous! 

We want someone to please watch the video of the transaction from XX/XX/2019 at XXXX to see if the money was or was not dispensed to XXXX . We would like to see the video also. This has been such a fiasco! 

Then please grant XXXX the {$500.00} plus any overdraft fees that have accumulated since XX/XX/2019 - which the bank has said they will do, if it's proven that XXXX did NOT receive the money. But no one at US Bank will watch the video to prove what happened to the cash.

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 2023-10-27
Company: EQUIFAX, INC.
State: GA
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:
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 Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-04-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX Acct # XXXX Below is a letter from XXXX XXXX stating to contact the credit bureaus to remove this account. The account is still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: CO
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 XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Bank # XXXX, XXXX XXXX XXXX Bank # XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX  Bank # XXXX XXXX XXXX bank # XXXX XXXX XXXX XXXX Bank # 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: Ascension Point Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CALLER CLAIMED MY RECENTLY DECEASED ( 3 WEEKS AGO ) WIFE HAS OUT STANDING DEBTS THAT NEED TO BE CLEARED UP ... ... ... PHONE # XXXX ... ... ... MY WIFE HAD NO DEBTS ... ... ... ... ... ... ... ... ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: GA
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:
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 Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : CXXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-06-24
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account with CashApp was closed by CashApp for allegedly violating terms of service. However when Ive asked to specify which term of service was violated Cash App stated that they could not and will not tell me. I further asked to appeal this decision and so far Ive been given the run around about a email that will sent to further pursue an appeal, however, no email has been received. Ive called and chat with CashApp to no avail. They are currently holding {$600.00} XXXX if you will.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: FL
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:
Again, I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2500.00}, XXXX XXXXXXXX Balance : {$760.00}, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00}, XXXX XXXX Balance : {$3200.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: FIRST HORIZON BANK
State: NC
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: Problem with personal statement of dispute

Complaint:
There are incorrect late payment on my credit with this company resulting in me not being able to purchase a home that I was already approved for and then went under contract and because of this I can no longer purchase a home and am not without a place to live

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been contacted over 100 times by XXXX XXXX   after I provided them with the extenuating circumstances regarding our daughter who was hospitalized over 34 Days in ICU and sent them a letter on XX/XX/XXXX. I also, set up arrangements and told them they would be paid and I would recommence the payments. However, when a representative called me on last Sunday night before XXXX XXXX, I told her to stop calling my phone and stop contacting 3rd parties regarding my debt. They have not only been calling me but also reaching out to my brother who I did not give them permission to contact, nor do we understand how they obtained his relation and contact information. It is illegal to contact 3rd Parties. After I told the representative not to contact my phone on late nights with repeated calls, the next business day I received a retailitory act from XXXX XXXX. They spitefully closed my account after this call with the representative on last Sunday evening - XXXX XXXX   weekend. Beyond that, on last evening - XX/XX/XXXX, a XXXX called repeatedly from Ext. XXXX and also again illegally contacted a 3rd Party regarding my XXXX XXXX with XXXX XXXX. I am requesting that XXXX stop their Harrassing & Threatening Tactics stating they will file Legal Actions, and threatening me on several occasions. We have a daughter who is XXXX and we need you to stop your Harrassing tactics!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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 XXXX XXXX XXXX XXXX XXXX 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 2022-04-17
Company: EQUIFAX, INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting act. The list of account below have violated my federal protection consumer right to privacy and confidential under 15 USC 1681. XXXX  account # XXXXhas violated my rights XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX inquiry has Violated my rights XXXX  XXXX XXXX bankruptcy has violated my right 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 Its also stated consumer reporting agency without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Me and my wife leased a apartment in Alabama named XXXX XXXX XXXX XXXX XXXX while living there the apartments did not hold up there end of the lease such as maintenance ( they where called to the apartment due to a broken dishwasher and while attempting to repair it flooded our apartment then looked at my wife and told her to clean it up this happened while I was over XXXX XXXX XXXX ) the apartment flooding caused mold to grow in the walls and the floor to bubble up the apartment was notified and became annoyed and stopped answering our calls they also had a flea infestation that they refused to take care of and our pets suffered severely from this they stopped cutting the grass for several months and the grass because very tall and after multiple complaints they cut everyone elses grass but ours they where notified of a beam supporting the patio above is cracking and sagging and refused to fix it so we gave them a 30day notice as was there policy that we would be breaking the lease and moving for our safety and a few months later we found a collection on our report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: MP
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 XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 U.S.C 1681. 

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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: MI
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:
Student loans are reflecting a negative effect on my credit report which gives other companies the opportunity to be biased based on negative marks on my credit report. To my understanding I am protected by law and companies can not use any potential negative credit reports that may be used against me and this is hurting my credit when I try and take out a mortgage giving the lenders an opportunity to become biased which is unlawful. I want the dept of education off my credit report immediately, and also any addresses that are not my current address which is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I am looking to buy a house and I do not need any negative inquiries that may hurt me such as the ones I spoke about above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: GA
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:
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 Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX. Please remove.

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 2023-05-25
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: DE
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 TO WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 602-A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT ITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 TO WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 602-A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT ITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief