BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: EQUIFAX, 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:
XXXX accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

1. XXXX XXXX : ACCOUNT # XXXX 2. XXXX XXXX : ACCOUNT # XXXX XXXX. 3. XXXX XXXX : ACCOUNT # XXXX ALL 3 4. XXXX XXXX XXXX : ACCOUNT # XXXX 5. XXXX XXXX : ACCOUNT # XXXX 6. XXXX XXXX : ACCOUNT # XXXX 7. XXXX : ACCOUNT # XXXX 8. XXXX XXXX XXXX : ACCOUNT # XXXX 9. XXXX : ACCOUNT NUMBER # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

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

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2022 XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 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 2021-06-18
Company: OPTUM BANK, INC.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm not able to access my online account with Optum Bank since I no longer remember the password to the account. I would like to re-set my password. 

I sent an e-mail to Optum Bank on XX/XX/2021, stating that I don't remember the password to my account and I no longer have access to the phone on file, and asking if my password can be reset. 

I received a secure message that I would need to call. I e-mailed on XX/XX/2021 stating that I don't have reliable access to a phone. I asked if my password could be reset and tax forms e-mailed to me. 

I received two secure messages with the requested tax forms. I also received a secure message that these forms would be mailed to the address on file, which is not what I requested. 

I received a secure message asking me to provide the following information : -First and Last name -Date of birth -Current phone number -Last four digits of your Social Security Number -Mailing Address I e-mailed this information on XX/XX/2021. 

I received a secure message that I would need to re-send my e-mail as a secure message through XXXX. I sent this information through XXXX. I then received secure messages that I would need to call. 

I've gotten confused with several of the messages I've received from Customer Care. I would like my password reset. I've been able to do this with another financial institution without having to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Security Credit Services, LLC
State: NY
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:
I am a victim of the XXXX data breach since it's inception of XX/XX/XXXX and since then i have notice a myriad of accounts on my credit report that do not belong to me. I was inititially contacted by XXXX XXXX on XX/XX/XXXX stating that i had an overdue balance that was owned on a lease agreement, i stated that i do not recall any such debt and that they should cease contacting me, it appears that after that the debt was brought out by Security credit servicess, llc on XX/XX/XXXX whom never contacted me to ask if this debt belonged to me, then as of XX/XX/XXXX i received a notice from the law offices of XXXX XXXX, XXXX stating that they were acting on behalf of the above mentioned company and that they were looking to receive the amount of {$3600.00} in full on their behalf. I asked them to send me proof that the debt belonged to me and explained that i am a victim of the XXXX breach and a victim of identity theft. They never sent any paperwork regarding that, as of XX/XX/XXXX i received a summons in the mail stating that they were taking me to court and threatning to seize my Bank account, i am unemployed and as a result of identity theft my credit is very poor, i do not owe this debt and they have no proof other than some electronic signature which does not include my middle initial and does not prove that it is me. I would like this to me removed from my credit report and i will showing this to the court when i file an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

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 2019-07-24
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
I purchased a prepaid debit card for {$100.00} from a grocery store a few months ago. The card was issued by US Bank. I made a purchase from a restaurant that was well below the {$100.00} limit on the card, {$56.00}. However, the bank approved the transaction for {$140.00}. Which made my balance negative, which makes no sense since this is a prepaid card without overdraft protection. 

I called U.S. Bank at the phone number they provided for disputing transactions. I informed the representative that I needed to dispute the amount of the transaction. She asked me if I had contacted the merchant first. I responded no. She said that I have to first dispute the transaction with the merchant. I replied that is contradictory to the disclosure provided to me by U.S. Bank which states that I should contact the bank in the event of an error with a transaction. The representative put me on hold while she spoke with a manager. She came back and said that her manager stated that I must first contact the merchant before I contact the bank with my dispute. I asked to speak with the manager and I went over this again and again. After almost an hour long process, the manager finally said so you would to go ahead and file a dispute? I said yes that is what I have telling you from the beginning. Then he transferred me to another department to finally file my dispute. 

U.S. Bank is not following their own disclosures or the law. They are attempting to turn as many people away as possible from filing disputes with them. Had I not been so persistent, I would not have been allowed to file my dispute. 

On XX/XX/2019, I received a letter from U S. Bank that they had provisionally credited my account in the amount of {$140.00}. The letter stated " You will have full use of these funds while we complete our investigation. '' I tried to use my card later that week and it was declined. I called U.S. Bank and they said that it was declined because my card was " deactivated '' due to the disputed transaction. I asked then if I could get a new card so I could " have full use '' of my funds. The representative stated that she could send me a card, but there was normally a fee of {$5.00} for a new card. However, she said she could waive the fee in my case. I received the card recently. However, the bank charged me {$5.00} for the new card. So essentially to " have full use '' of my funds I have to pay U.S. Bank another {$5.00}, which was NOT mentioned in their letter to me regarding the provisional credit.

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 2023-09-06
Company: EQUIFAX, INC.
State: IN
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:
I've notice late payments on my consumer report. to my knowledge ive made every payment on time. ive disputed these accounts numerous of times.

they violated 15 u.s. code 6802 which states : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provide to the consumer a notice that complies with section 6803 of this title.

15 u.s. code 1666 correction billing errors : if a creditor within sixty days after having transmitted to an obligor a statement of the obligor 's account in connection with an extension of consumer credit receives at the address disclosed under section 1637b 10 of this title a written notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with disclosure required under section 1637 ( a ) ( 7 ) 15 u.s. code 1681b permissible purpose 15 u.s. code 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, I wrote a check # XXXX to Target to pay XXXX statement balance of {$140.00}. Target clerk keyed in {$140.00}. I pointed out it should be {$140.00}. The clerk tried to cancel the mistake and keyed in the right amount of {$140.00}. 

When I checked my XXXX  checking account, I find that check # XXXX was charged twice, one for {$140.00}, one for XXXX and were back to back on the same day. After I explained to XXXX, XXXX credited me back the {$140.00} on XX/XX/2022. 

Later I received the Target XXXX statement, Target lists I have a purchase " XXXX. XXXX STORE PAY RETURNS # XXXX XXXX -- -- -- -- -- -- {$140.00} ''. I called Target to explained that is a mistake and I did not make that purchase. But the {$140.00} was carried on to the XXXX, XXXX statements and was never corrected and keep on charging interest on it. I wrote to target again on XX/XX/2022 to explain the mistake and as of today I did not receive any response or call. 

All related document were forwarded to Target on XX/XX/2022 and XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/ I surrendered my XXXX XXXX XXXX after XXXX agreed to repurchase my vehicle as it was deemed a Lemon. XXXX did appropriately reimburse me for payments made, minus usage ( XXXX days/XXXX  mileage worth ). I was told to cancel and request refunds from the dealership regarding the maintenance and lease protection contracts not covered by manufacturer for Lemoned Vehicles. I made this request minutes after surrendering the vehicle while at the dealership. 
XXXX XXXX I had to go in and follow up, wondering where the near {$3400.00} ( one for {$1500.00}, one for {$1900.00} ) in said refunds were. 6 weeks after filing the forms. The dealership claimed they had no knowledge of any such cancellation. Further inspection and requests and my following up, I discovered XXXX XXXX XXXX and Ally Financial submitted the wrong paperwork and had shorted one refund about {$660.00}. The other {$1500.00} contract still no one is aware of. 
It has now been 70 days, and I am reaching out every day to find a status and update. Ally has not responded or replied in 2 weeks. Theyre still looking into it. 
I am aware and understanding of prorating the refund and adjusting for the 13 days of usage before the vehicles 1st service for the issues it was lemoned for. That prorating would still leave my refunds about {$1400.00} and {$1900.00}. I have only received one check for {$1300.00}. This was the misrepresented refund for the {$1900.00} contract. Ally has been working to process the supplement, but seem to only have produced {$620.00} of it. But that check has not been issued yet as of today, XXXX From my experience and belief, I feel they are doing whatever they can to wrongfully withhold my owed money.

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 2023-12-14
Company: EQUIFAX, INC.
State: GA
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:
I am writing to formally complain about the persistent challenges I have encountered in correcting late open accounts and removing charge-offs from my credit file. Despite multiple attempts, the inaccuracies remain on my credit report, causing undue distress and adversely affecting my financial standing. 

I have diligently followed the established dispute resolution process by submitting dispute letters, providing supporting documentation, and engaging in communication with your representatives. However, despite my best efforts, these inaccuracies persist, significantly impacting my creditworthiness and creating obstacles in securing credit and favorable interest rates. 

I request an immediate and thorough investigation into these matters to rectify the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the late open accounts and remove the charge-offs. 

Should this matter not be resolved promptly, I XXXX be compelled to escalate my complaint to regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to correct this late open account and remove the charge off in my credit file : XXXX XXXX XXXX XXXX : {$5100.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
1 ) Wells Fargo bank keep denying my claims of {$30000.00} over 6mo. without any research and consultation with me. Bank stopped sending me paper statements since XXXX and each mo. every time when I go to deposit at the bank tellers and officers all said call customer service. They said my account is online and paper so nothing they can do. I had been treated so badly past years XXXX, XXXX and XXXX. WF said no record of my claims but this is not true. 

2 ) XXXX XXXX  who cashed asked me to tell WF bank to submit complain to XXXX XXXX  by SP branch manager and legal dept at XXXX XXXX. Nothing they can do without WF bank starts to negotiate with them. I requested this many times to XXXX in the past. 

3 ) FBI L.A. branch manager and XXXX XXXX XXXX  managers from 2 branch, XXXX  XXXX XXXX legal dept all told me WF bank should give me credit $ XXXX within 10 days of claim and balance within 40days. Not rejecting customer with 30days clause of deposit agreement. I had never received this agreement. I was told to sign only a machine and never got copy and I didn't see any information attached to when I opened new account.These bank definately will reimburse to my case after they researched.They told me this fraud to be reimbursed by different law and customers are protected since XXXX. 


4 ) I recently received a copy of signature card/sheet and surprised some info is outdated and I will check before I signed it if I was shown. This is very bad practice. 

5 ) WF bank opened new account without my signatures and info at all on XX/XX/XXXX. 
They requested and demanded a mo later with all my personal info. ( Drivers license #, social security full number, my mothers maiden name and address with my account #. ) so as my son 's info. This was shocked. 

6 ) Even I walked in the branch, no one will help me without an appoint except tellers. 
Even I am inside of the office the tellers and manager told me to call for an appt. 

7 ) Knowledge of employees at the branch and claims dept, executive offices all of them are not so knowledgeable and everyone answered different. Very low level at all dept.

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 2019-07-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 two payments were sent to XXXX from my account in the amount of {$160.00} & {$490.00} who I believe was scamming online! I told chase about it n they said I authorized the transaction. I called them to tell them I was recently released from jail I had just canceled two cards literally that morning due to fraudulent charges while incarcerated. The rep said this phone call is recorded I told her I know n asked to speak to a supervisor because either she misheard me or I misspoke she agreed then hung up. I was telling her I called earlier to cancel cards  and all the other transactions on XXXX were mine EXCEPT the last two transactions on XXXX. I was literally explaining others situations I was reading from my email from the other victims XXXX I guess she thought I was talking about myself Im not sure. This was the 2nd fraud on my account in 24 hours which is why I was calling in to begin with. I let her know that I was in contact with others who were scammed the same way and I had information for them if needed and she didnt care n said I  authorized all transactions. Im highly disappointed in chase for this Im trying to get back on my feet and this is how they treat a victim of fraudulent transactions its ludicrous to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Block, Inc.
State: AL
Product: Credit card or 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:
on XX/XX/2023 my cash app account was closed and XXXX was transfered from my account and i can't get my money back, and i never recieved my money.

Company response to consumer: Closed with explanation