BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
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: 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 XXXX XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXX Account name- XXXX XXXX XXXX XXXX XXXXXXXX Account name- XXXX XXXX XXXX # XXXX Account name- XXXX XXXX XXXX # XXXX 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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX  account XXXX XXXX XXXX, account number 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 2018-08-16
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I logged onto my XXXX XXXX account today ( XXXX ) since they update my reports weekly on there. I had notification of a derogatory remark. And I noticed it was from Diversified Consultants collecting for XXXX in the amount of {$330.00}. The collection account was opened on XX/XX/XXXX. I never received any communication from this company saying i owe this nor was given my right to dispute within 30 days. Which i am going to dispute this account as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXXI made a cash deposit of {$83.00} at the US Bank located at XXXX XXXX XXXX. XXXX CA XXXX. 
I inadvertently used another financial institution debit card, I put in my PIN number and selected deposit. I put the cash money in and the button asked to complete deposit and a receipt came out stating deposit denied call the XXXX and then my card came out and I realized I used the wrong card. When I got home I called the XXXX number and the person that I spoke with said I would have to go inside the branch. 
Monday morning about XXXX I spoke with a banker, showed her my receipt and on the receipt where it list the last four digits of the card that I used was not US Banks card but my XXXX  debit card. The banker said its not something a branch would be able to handle but to call the XXXX number on the receipt. 
I was in the parking of the branch and called. The representative said because this is a business account it could be cleared within 4 days. I got upset because I had 2 checks out payable to my credit card company and didnt want my checks returned. He said any fees occurred would be refunded and I asked would like credit my account for fees my credit card is going to charge me and his response was thats not something they would be able to do. Again I got upset asking for a supervisor and he told me to hold on. About 2 minutes later he came back and ask me to continue to hold for a supervisor. He later came back and asked for my contact information and his supervisor would call me back. 
On Tuesday morning about XXXX I called the XXXX number and was told my claim was denied because no extra money was found in the ATM. I hung up and 10 min later I called to find out why it was denied and that something needed to be done because I made a cash deposit and someone needed to do some investigating. 
As of this writing my claim is being denied

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 2023-08-22
Company: Experian Information Solutions Inc.
State: MN
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:
I had paid off and closed my XXXX XXXX account XX/XX/XXXX. In XXXX then I saw my good credit score go down XXXX points, due to XXXX XXXX  saying I didnt pay my account for 60 days, I then contacted the company complaining that I closed my account in XXXX. The man then said he closed my account with a XXXX balance, I also complained that your company had told Experian I didnt pay this closed account and took XXXX points that I worked hard to get and please contact Experian to reverse this that I didnt owe {$18.00}. He said he would. I want that XXXX points given back to me since I pay all my credit on time including my Mortgage & HOA solely with my XXXX XXXX check. That {$18.00} that XXXX XXXX said I owed was fraud and if I hadnt taken care of this then it would have gone so high with late fees. Total Scam!

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 2020-02-22
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
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 believe they allowed a debit transaction to go through which made my account over. Then they charged me {$10.00} over draft plus a {$6.00} a day fee for several days. For over {$60.00} in fees when I was only over maybe {$20.00}. I think this is predatory and wrong. They are doing the same thing as XXXX XXXX. Please investigate.

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 2022-12-29
Company: Experian Information Solutions Inc.
State: IL
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:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer 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 explanation
Consumer complaint received 2021-09-28
Company: MIDFIRST BANK
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Midland mortgage has added {$5500.00} to our mortgage statements. When we spoke with them they stated that charge was from the previous Mortgage Company that service the loan. However, for over 1 year and half they have failed to produce any receipts that validate this charge per written request to the Office of Vice President at Midland Mortgage. We just completed a modification as a result of COVID -19 and making payments. However, the statement due we received is now showing nearly {$8000.00} ( Statement Attached ) due when I payment is {$1600.00}. Even though we just modified the statements still show we are behind, but there is no validation of the fees. This mortgage was transferred to Midland on XX/XX/2016 ( Transfer Document Attached ). It was nearly four years before we saw these charges appear on our statements. Midland is stating the fees are attorney fees from XXXX who they purchased the loan from in 2016, but provided no documentation. In addition, they are stating the fees are for {$20.00} fees a month for someone driving by our home. I have emailed Midland and spoken with them to request these charges be removed. We spoke with them again today and receive the message don't worry those charges are only due at the end of the loan, but the charges are appearing due now on the statement. We are doing all we can to pay our mortgage and in the middle of all this pandemic and an extra {$5500.00} is added to your mortgage without any standard of justification.

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 2020-02-22
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:
ftc violations all been sued this is part of those claims

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 2022-12-29
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: Investigation took more than 30 days

Complaint:
Around XX/XX/XXXX or XXXX XXXX, I mailed a letter of dispute to Equifax, see attached letter, receipt and proof of delivery to dispute some items on the report. 
The XXXX requires that a Notice of Dispute be added to the comment section of the credit report within 30 days of receipt of the consumer dispute. This Notice of Dispute was NOT ENTERED within the 30 days of receipt as required by law for the XXXX XXXX XXXX account ending in # XXXX on my credit report ( for all the disputes ) and as such is a VIOLATION of Section XXXX. This item MUST BE DELETED for this violation of section XXXX. 
Attached are : XXXX, proof of address ( XXXX  XXXX bank statement ), Initial letter of dispute, proof of mailing, proof of delivery and pages from recent credit report proof failure of Notice of Dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I filed a dispute for a wire transfer for the amount of {$23000.00} dollars that I found out was a scam 2 days after I completed the transfer. I call my financial institution ( Wells Fargo ) and requested a swift recall with all the beneficiaries acct info and bank name ( XXXX XXXX  ). I notified them that this was a scam and I have all the supporting documentation for the transaction. The wire transfer was sent on the XXXX of XX/XX/2021 and I requested the recall on the XXXX of XXXX however my financial institution did not contact the beneficiarys financial institution until XX/XX/XXXX to request a recall on the funds.This was a total of 27 days and or 20 business days after I notified the bank that this was a scam and my money was being stolen. The bank dispute page shows all disputed transactions will have a resolution within 10 days and temporary credit to my account if the investigation would take longer. Wells Fargo did not fulfill its fiduciary dutys to me as a customer in a reasonable time frame in a attempt to recall my money. I supplied wells Fargo with the police report number and supplied my local branch with all the supporting documentation. I feel as if Wells Fargo would have acted in a timely manor then the chances of me receiving some or all of my money back would have been greatly increased.

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 2021-05-03
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a collection from AmeriFinancial Solutions , LLC dated ( XX/XX/2020 ) asserting a debt in the amount of ( $ {$570.00} ). This is currently reporting on my credit and it shouldn't be. I have reached out multiple times and have yet to get a response.

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 2020-02-22
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On/around XX/XX/XXXX I opened an online account with Citibank, to which I deposited {$25.00}. I also opened an account with XXXX XXXX XXXX, as their bank has more locations in the XXXX area. I opened the accounts so that I would have a bank local to this area, and to deposit an inheritance from my Mother 's passing in XX/XX/XXXX. 

Needless to say, I have had nothing but issues with Citibank. First, I received the card that would not allow me to activate. When I contacted their customer service, XX/XX/XXXX, I was told the account was put on hold and closed due to them not being able to validate my information via XXXX. Citibank informed I would be receiving the refund for the deposit balance via check in the mail. I contacted XXXX and was informed that my credit report was locked, thus, the reason Citibank could not open my account. I had my report unlocked at that time. Later this same week I received my XXXX XXXX XXXX account information. 

Several weeks go by and I had not received the refund from Citibank, so I contacted them again, XX/XX/XXXX, and was informed by a customer service representative that they could not locate the account or a deposit refund. I asked to be transferred to a supervisor who also attempted to locate my account, only to scroll down and find that it was on the next page of their information. He put me on hold for about 30 minutes, telling me they had not yet closed the account due to a hold placed on the account, but he would look into and ensure it was closed and I received a refund. He said they would contact me if anything further is needed, and that I would be receiving my refund in 5-7 days. 

Today, XX/XX/XXXX - Still no refund. Contacted Citibank, and they informed that this account is with the fraud department and would need to be closed thru them. I am beyond mortified and the level of customer service provided by this institution and their lack of support in that regard. I am not certain I'll ever receive a refund but wanted to file a formal complaint, as this, in more ways than one, infringes on basic consumer rights. NOTE : Each step of the way, I have verified my idendity on many occasions SSN, DOB, Address, Mother 's Maiden name ... feels like they even want my first born! It's crazy that I have to verify this information OVER, and OVER, and OVER, and OVER throughout 1 phone call with 1 person.

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 2018-08-16
Company: Movement Mortgage LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted movement mortgage and was dealing with a lIan officer by the name of XXXX XXXX. he told me once I get my credit score so at least a minimum score of XXXX I can move forward well when he pulled my credit on XX/XX/XXXX I had a credit score of XXXX being my middle score. So on this past Monday I submitted all of my documentation its far as my income and XXXX told me on Sunday to allow him until Wednesday for him to work his magic and XXXX give me my approval he told me I was looking at getting approved for XXXX so now is something totally different he has been dancing around it now he said he cant get it approved is very unprofessional very unprofessional and Im filing a formal complaint not only against movement mortgage but also against the loan officer because he fed me a bunch of lies. When I first met with him on the phone I told him I was in credit repair and I signed up back in XXXX of this year he told me if he can get a letter of explanation we can move forward now again its something different

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the ITEMS under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat the reporting ITEMS as unconfirmed information without producing proof within the legal time range. 

XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX AFFIRM XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AXXXX 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 2021-02-12
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: Account information incorrect

Complaint:
I made telephone contact ( XXXX ) with DeptED/XXXX  to stop reporting incorrect information to all three credit bureau. The date of the last activity is incorrect. They are no longer the loan servicer for my student loans. I spoke with ( XXXX-agent Id XXXX ) and she informed me that XXXX does not report information after seven years. She explained that no XXXX  balance on all accounts. She further asserts this should not be reporting on my credit report and they have not sent any information to the credit bureaus. She told me to send a copy of my credit report to verify what is exactly being report so they can see and make a dispute. XXXX I clearly do not understand why XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and Transunion. The following loans are out of date : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX When reaching out to all credit bureaus XXXX, Transunion, and XXXX  all verify the information is correct. These loan amount all affect my debt to income ratio. I do not have any student loans with the Department of EducationXXXX. This company is not a loan servicer. The information should be completely removed from all of my credit reports and they have cost me Loan opportunities DECLINED for home loans due to the debt to income ratio is too high. According, to the Consumer Protection Fair Credit Report all information on all three credit bureaus, must be reported correctly with the same date of last activity, balance amounts, correct address information, and correct date of birth, correct year of birth, and correct address. When calling into Department of EducationXXXX they did not have my correct address, they did not have my correct telephone number, they did not have correct current information. I am going to take my concerns to Court to enforce my rights as a consumer. I have written at least five letters since XX/XX/2020 trying to correct this information.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'M SICK AND TIRED OF THIS NONSENSE! AFTER I FILED FOR BANKRUPTCY IN XXXX, IT HAS COME TO MY ATTENTION THAT DUE TO A BREACH IN DATA SECURITY, MY INFORMATION INCLUDING MY SOCIAL SECURITY NUMBER HAD BEEN STOLEN ( CIRCA XXXX ) AND FRAUDULENTLY USED! I PAID AURA COMPANY TO HELP SECURE MY INFORMATION. I HAVE RECENTLY BEEN MADE AWARE THAT AURA IS NOT A REPUTABLE COMPANY. THEREFORE, MORE OF MY PERSONAL INFORMATION HAS BEEN STOLEN!!! I WAS INFORMED THAT A CAR LOAN HAD BEEN APPROVED BY A PERSON USING MY SOCIAL SECURITY NUMBER! I HAVEN'T HAD A DRIVER 'S LICENSE SINCE XXXX!!! FURTHERMORE, ALTHOUGH I HAVE SENT ORIGINAL SOCIAL SECURITY CARD ... XXXX AND XXXX XXXX ORIGINAL FORMS WHICH PROVE THAT I HAVE BEEN SOLELY RESIDING AT MY CURRENT ADDRESS IN XXXX SINCE XX/XX/XXXX, XXXX XXXX XXXX XXXX AND XXXX, MY GOVERNMENT ISSUED PASSPORT, MY WORK ID, AND A COPY OF MY BANKRUPTCY STATEMENT XXXX, MY XXXX CABLE BILL WHICH HAS MY ADDRESS ... ALL THREE CREDIT BUREAUS REFUSE TO SEND ME MY CREDIT REPORT!!! I AM A VICTIM OF BOTH CREDIT FRAUD AND THE THREE CREDIT BUREAUS!!! I WILL NEVER BE ABLE TO HAVE THESE FRAUDULENT CHARGES REMOVED FROM MY CREDIT FILE. SINCE MY BANKRUPTCY XXXX, I HAVEN'T ANY OUTSTANDING ACCOUNTS. I DEMAND THAT I BE PROVIDED MY CREDIT REPORT SO THAT I CAN LEGALLY CONTEST THESE CHARGES!!! MY INFO WAS COMPROMISED BY A COMPANY WHICH WAS CONNECTED TO XXXX XXXX. I AM TIRED OF BEING VICTIMIZED. I AM A XXXX MAN WHO HAS BEEN VICTIMIZED ALL OF MY LIFE. I BELIEVE THAT THESE XXXX CREDIT BUREAUS ARE JUST AN AMERICAN EXTENSION OF 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