BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, On XX/XX/26 I sent a letter to USAA & XXXX ( see attached ) to " no longer hear any more communications about this debt. '' However, I received another letter in the mail regarding accounts XXXX & XXXX. 

It's truly sad how I can't seem to talk to anyone who can actually help me and any responses I receive what seems to be like a copy-paste bot who lacks any reading comprehension. 

USAA calls me with an agent who has to look up in their systems as to why they are even calling me in the first place wastes a whole bunch of time just to tell me they cant help me. 

I'm going to continue to file complaints and leave negative feedback for each communication I receive moving forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$160.00}

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 2023-09-09
Company: U.S. BANCORP
State: AZ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XX/XX/XXXX US Bank failure to replace two fraudulently altered gift cards ( XXXX x {$400.00} XXXX x {$480.00} total {$880.00} ) Dear Sir or Madam, I purchased two {$500.00} US Bank XXXX XXXX cards from the grocery store in XXXX. The magnetic stripe on each was not functional however I was able to begin using both cards online. In both cases I used these cards partially and then went to XXXX. When I returned to the US and tried to use these cards again, I discovered that all remaining funds on both cards had been drained fraudulently via XXXX transactions at a California XXXX  store that I had never visited and in addition, these transactions occurred while I was in XXXX and these cards can not be used overseas per Terms and Conditions. 
I reported this by calling the XXXX XXXX number on the back of the cards and was instructed to send the information to the Prepaid Dispute Resolution center. I faxed the information above and later I received two letters dated XX/XX/XXXX, one for each card. These letters acknowledged an error occurred and that the disputed amounts would be credited in the form of new cards sent to my address. The letter stated that you will receive it ( the new cards ) within 7-10 business days. ( see enclosed letters ). 
It is now XX/XX/XXXX which is 30 business days later, and neither of these cards has been received. 
Funds totaling {$880.00} as above have not been returned per the letters issued by US Bank XXXX XXXX XXXX Dispute Resolution. Please can you ensure US Bank follows through on its obligation. 
Thank you for your assistance. 
Yours truly, 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 monetary relief
Consumer complaint received 2023-07-19
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:
This is my 15th 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 Balance : {$4300.00} XXXX XXXX Balance : {$730.00} XXXX  XXXX Balance : {$9900.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$680.00} XXXX  XXXX Balance : {$9900.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX/XXXX  XXXX Balance : {$4300.00} XXXX XXXX Balance : {$730.00} XXXX  XXXX Balance : {$9900.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00}

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-09-21
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and remove them immediately in my 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

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 2023-09-10
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
Chase put XXXX checks on freeze for XXXX XXXX sessions. They were child support payments. She lives at the address on me account with me, we have XXXX kids together, we are married by common law. We verified our identities in person. Multiple times. Changed phone plans to verify her identity through their verification system and risk tool I feel weve tried XXXX XXXX the checks total to {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 right to privacy.

15 U.S.C 1681 section 602 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 2022-11-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have NOT received any confirmation or factual information on how you have verified the alleged account attached in Exhibit C. Therefore I request that you consider this a final notice to your offices. Beyond this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting XXXX  ( copied from the affidavit attached ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: NY
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 consistent and unjustified presence of fraudulent accounts on my credit report ignite my extreme dissatisfaction and frustration. These accounts remain undeleted, casting a shadow over my financial reputation and causing significant distress in my life. 
XXXX XXXX XXXX XXXX XXXX These accounts are not mine, and I have never authorized any of the transactions associated with them. 
The continued presence of these fraudulent accounts on my credit report has had severe consequences for my financial well-being. I have been denied credit, subjected to higher interest rates, and faced difficulties securing housing and employment opportunities due to the inaccurate information on my credit report. 
Failure to address this matter promptly will leave me with no choice but to take legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and seek damages for the harm caused by the persistence of these fraudulent accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a letter of validation to this company as I have never given XXXX XXXX XXXX to release my medical information to a third party/or American Adjustment Bureau , INC. With no RESPONSE. I understand that HIPPA does allow for limited information about me but any details may only be revealed with patient authorization. On XX/XX/XXXX I made a complaint to XXXX  explaining my situation/ Asking the company for a validation of debt/To provide a copy of my signature with medical provided of services to release my medical information to this company. On XX/XX/XXXX I was provided with a medical itemized bill that described medication , Dr names/ procedures allegedly done, However no copy of my signature with medical provided of services to release my medical information to this company was provided. In fact the answer to the complaint read " Be sure, Your XXXX was not released by the provider The basic information to release the debt was released Which its FALSE this letter contains quite a few VIOLATIONS. I am XXXX XXXX, consumer, and natural Person, am aware of all my RIGHTS which are protected by the congress under the fair Credit reporting ACT. This account has violated my rights to privacy and confidentiality under U>SC 1681. 

1. American Adjustment Bureau , INC. # XXXX XXXX15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

I'm demanding this account to be DELETED immediately, Unless they want to be held {$1000.00} per violation.

In accordance with the Fair Credit Reporting act has violated my rights. 15 U.S.C 1681 section 602 A. American Adjustment Bureau, INC. # XXXX XXXX15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

States I have the right to Privacy. U.S.C 1681 SECTION 604 A SECTION 2 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 166b A Creditor May not treat a Payment on my credit card account under an open end consumer credit plan as late for any reason..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet was stolen from my local XXXX  on XX/XX/XXXX, in my wallet was my license, SS Card, a XXXXXXXX XXXX  XXXX XXXX credit card and both a BofA credit and debit card. On XX/XX/XXXX I called BofA to notify them that my wallet was stolen and the cards needed to be locked and they never were, multiple unauthorized transactions took place on those cards. I called BofA to dispute the transactions on both the credit and debit card. I also had to dispute transactions on my XXXXXXXX XXXX XXXX  XXXX card. The claim on my BofA credit card and the claims against my XXXXXXXX XXXX XXXXXXXX XXXX credit card have both been paid in full. However, BofA refuses to pay a dime and I am out {$3400.00}!! The transactions on all 3 cards take place AT THE SAME TIME, from the SAME EMAIL ADDRESSES, made from THE SAME PHONE, and HAVE MY CONTACT INFORMATION INCORRECT ON ALL PURCHASE ORDERS. Yet, BofA has denied my debit card claim twice!! I have contacted XXXX XXXX, XXXX XXXX, FDIC and the Federal Reserve. I will continue to carry this for as long and as high up as it takes to get my checking account rectified and my money back. BofA should have locked my cards when I first called them and this never would have happened. The blame is on BofA!!! 

***Under a 19/8 federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. The Consumer Financial Protection Bureau issued guidelines saying that the law covered all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission were the bank 's liability.

This financial institution is not providing sufficient explanation and reasonable cause for their decisions, leaving me victimized by Identity theft.

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 monetary relief
Consumer complaint received 2023-03-29
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In the description of " What happened '' there is a statement not to send sensitive data, and later in the instructions there is a box later to attach files. I am not sure what I am really supposed to do. I have files to support my claims and will forward them on request. 

Wells Fargo BankHas failed to close a CD I opened years ago. I have submitted proper paperwork and have copies which are not to be included in this complaint by CFPB guidelines. Wells Fargo completed an " investigation '' and failed to refer to two of the three facts stated in my complaint. Additionally, they did not request copies of the paperwork submitted XX/XX/XXXX from their branch office and by their branch office. 

Wells Fargo states in their response that I need to return to the branch office for assistance. Three sentences later the Wells Fargo response states that the banker was not able to proceed with the applicable form. I have a copy of said form completed by XXXX XXXX Phone XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX Which he took to the back of the bank and was supposed to have faxed to the back office. And returned to me stating he did fax it to the back office. 

Obviously XXXX XXXX did not fax the form that was completed by him on his computer XXXX while the back office was on the speaker of my cell phone directing him how to complete the form. 

Additionally, not addressed in the response from Wells Fargo is the fact that I opened a CD account with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. At that time a form was forwarded to Wells Fargo to transfer all funds to said account. As of XX/XX/XXXX these funds have yet to be transferred. I also have a copy of that form also which by XXXX statement I am not to attach to this complaint. 

I continue to be frustrated with Wells Fargo Bank and their flagrant denial to close this account. Wells Fargo 's banking practices are why I am, and have been trying, to close all accounts with them. 

Agin, because the proper paperwork was completed on XX/XX/XXXX and was supposed to have been faxed by a lying Wells Fargo banker with a bad attitude. I request to be compensated of lost interest from XX/XX/XXXX to present. 

XXXX XXXX XXXX Refer to original complaint of XX/XX/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 2023-08-16
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many INQUIRIES which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any INQUIRIES which are found to be FRAUDULENT. The dispute INQUIRIES does not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 explanation