BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting Act 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.

In accordance with the Fair Credit Reporting Act 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. 

In accordance with the Fair Credit Reporting Act 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. 

In accordance with the Fair Credit Reporting Act 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.

In accordance with the Fair Credit Reporting Act 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 2023-06-27
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
TD Bank offered a {$400.00} bonus for opening a new XXXX Checking Account. I did this and met all of the other requirements of the offer, yet they refuse to pay the bonus. They have stonewalled me for weeks on my follow-up efforts. They have lied and deceived me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-11
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX and I am writing a complaint about Barclays XXXX   Rewards Card ending in XXXX.

OnXX/XX/XXXX I set up a repeat payment with Barclays Card for the amount of {$200.00} 3 days prior to the payment due date. ( Please attachment ) On XX/XX/XXXX I noticed the the payment had not been deducted from my account. I called and spoke with XXXX. He informed me that it would take 30 or more days for the repeat payment system to process and start. I asked him to take the money out so that I am not delinquent. He processed a {$200.00} payment on that day which was deducted from my bank account on XX/XX/XXXX. He also returned the late fee. ( See attachment ) On XX/XX/XXXXI noticed that {$440.00} was deducted from bank account for Barclay Cards. I called and spoke to XXXX who saw that the payment was set up for {$200.00} but could not explain why it deducted more. Then put me on hold and told me that they minimum payment was increased because the {$200.00} payment on XXXX XXXX  was not calculated. I asked to speak with a supervisor and got XXXX. She said that I selected minimum payment due instead of other amount, therefore, it deducted the what was due because the {$200.00} was not calculated. I told her that I have the print out that shows that I set up for other amount and specified only {$200.00}. XXXX  arrogantly tells me that the company can take out the amount they chose if there is a balance. I explained that I only gave them permission to remove {$200.00} and feel that anything above that is not agreed upon and therefore, should not be at their discretion since it is my bank account and my money. Also, the {$200.00} paid on XX/XX/XXXX was paid and late fee was removed in enough time to be deducted from the balance due but if it didn't deduct it, I only gave permission to remove {$200.00} from my account. XXXX   continued to argue the point that they have a right, therefore, I hung up.

I feel that the website fraudulently leads customers into thinking they are on a secure website and that the agreement made with the company is valid. However, they are now using my electronic permissions for a specific amount to freely decide what to deduct.

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 2015-09-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I looked at hard enquiries. I have no idea who these companies are checking my credit. I bought s car from XXXX XXXX last year. I see a recent inquiry. Also I do n't know who this Cb something that shows repeatedly checking. I want them removed. The last legitimate inquiry I ask for was a XXXX XXXX be reinstated. Everything outside of that I need deleted. 
Also, I volunteer the accounts that were closed. I paid in full and asked the company to please Cluse my accounts. On every one closed it says closed by the creditors. That is not so. Lastly, it shows late pays. I went through one rough patch in 2013. I have had on time pay for everything since. 
I appreciate your help in making all the adjustment. 
I have been working hard for years to correct many wrongs in my life. 
Kindest regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2017-11-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I previously had a checking and savings account with Wells Fargo. In the past I have discovered fraudulent charges on my accounts, which I have successfully disputed to Wells Fargo. These charges were for relatively low amounts of money, so I never had an problem with Wells Fargo refunding my money. However, on XX/XX/XXXX I deposited a large check totaling {$12000.00} into my savings account and immediately began suffering from fraudulent ATM withdrawals in much higher amounts, ranging from {$200.00} to as high as {$1500.00} the total amount of fraudulent charges amounts to {$7200.00}. However, I did not learn of these fraudulent charges until XX/XX/XXXX. I immediately called Wells Fargo around XXXX PDT and arranged to come into the Bank in person the next day. The following day, XX/XX/XXXX, I went into the Wells Fargo location XXXX, California to formally dispute the charges and file a complaint. While Wells Fargo did cancel my debit card connected to my savings account and issued me a temporary card, I have yet to receive a refund for the fraudulent charges that had already occurred. 

Wells Fargo has confirmed that I filed my complaint ( Claim XXXX ) on XX/XX/XXXX. In response to my complaint, they sent me a letter on XXXX indicating that they would investigate the claim. They then sent another letter dated XXXX claiming that they had investigated the matter, and the withdrawals were made by me or by someone I authorized. This is false. Wells Fargo also claimed that there were " several undisputed transaction completed with the debt card within minutes of disputed transactions. '' This is also false. All of the charges between XXXX XXXX and XXXX XXXX were not authorized except the XX/XX/XXXX recurring transfer. I have attached documents of the fraudulent charges in question, as well as all the correspondence with Wells Fargo about this dispute. 

On XX/XX/XXXX, I sent a letter to Wells Fargo asking them to preserve the ATM video recordings. That letter contains incorrect dates because of a misunderstanding with a translator. The remainder of the facts in the letter are true.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX TransUnion Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. So, I did reach out to these company, and they were unable to provide me with any valid proof of any delinquent. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? while doing extensive research where it states by law, I have 30 days to complete this investigation. and I have not gotten a response back and it have been longer then 30 days. Please investigate the following accounts and remove them if anything is missing or not correct on them. from the look of things my information has been sold without my consent which is in vallation of my privacy. 
I demand the following accounts be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also read where I can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the form area.

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 2021-11-12
Company: Self Financial 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 status incorrect

Complaint:
The below companys have reported my account as past due for 60 days when payments had been done timely, credit one has reversed one and acknowledge it was their mistake but have failed to remove second one while self inc has not done anything to address this matter. 


XXXX XXXX XXXX Self inc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: TX
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 SENT FTC REPORT ALIONG WITH BLOCK LETTERS ON XX/XX/2021 AND THE ITEMS ARE STILL ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/26 when going to the XXXX bank, I noticed that my account was incredibly low on funds. I noticed in my checking account that {$4900.00} was removed to my account from a XXXX XXXX. I knew something was right as I don't have a XXXX XXXX account and the amount was too large. When I entered the bank, I immediately informed a person at the desk about my situation and told me that I was a victim of fraud. They were able to give me the individuals name and was able to have the XXXX get onto an investigation while also freezing my account. The individual was able to gain access my checking account, place in a small amount to tell if it was an active account and then remove a hefty sum, some of which was removed from my savings via overdraft. I filed a police report, and created a new checking account and debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: FIRST NATIONAL BANK OF OMAHA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
After I received E-Statements from FNBO detailing a ~ {$20.00} balance due, I accessed FNBO 's mobile, which I used to make all previous payments on my FNBO card for the almost 2 years I used their services. The mobile app did not display any balance and, as a result, did not allow me to pay it. I accessed the mobile app multiple times in XXXX and XXXX attempting to find the balance that corresponded with my e-Statements. I was confused and assumed the e-Statements I received were a glitch or error. 

Prior to XXXX, at the end of XXXX, my phone and other cards were stolen while I was traveling in XXXX. After the theft, I called FNBO to ask if I could use the card while traveling. Instead of answering my question or helping, they froze my account on suspicion of fraud. The only way they would un-freeze the card would be if I did a bank ID, which I told them was impossible, given I was out of the country and would not return to the US until the middle of XXXX. I believe the freezing of the account could have had an impact on the failure of the app to accurately represent my balance. I also believe the timing of the freezing led to my confusion about the e-Statements being erroneous. 

FNBO 's records show that they sent me one email reminder to pay my credit card balance at the end of XXXX ( XXXX : an email reminder is not a notice of delinquency ) and letters in the mail after I missed the XX/XX/XXXX pay deadline. If FNBO had taken note and/or communicated to their collections department that I was out of the country they could have sent communications other then letters to my home address in North Carolina to notify me of my ongoing delinquency and need to pay. Given the error in the mobile app, I was under the impression that I had no balance to pay until my account was closed last week ( XX/XX/XXXX ). 

The effect of closing my account has had a disastrous impact on my credit score and has even caused my other lines of credit to decrease my credit limit with them. I had a perfect payment history with FNBO ( and all my other cards ) before this communication failure. Additionally, I paid significantly much more on my other credit cards during the period that FNBO reported me as delinquent. I was not willingly avoiding paying my ~ {$20.00} balance with FNBO - I was failed by multiple systems of consumer service and communication at FNBO and left in the dark about my small debt with them.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$1100.00}.

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 2021-06-04
Company: PNC Bank N.A.
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to work with PNC bank to try and get a mortgage processed and approved. The loan officer that has been handling my case has decided to ignore and cause massive disruptions in buying a home. Currently he refuses to respond to voicemails and emails to confirm any information to move the buying process along. XX/XX/2021 the loan process was started. XX/XX/XXXX, XXXX, XXXX and XXXX emails were sent to the loan officer with no response currently on XX/XX/2021. Currently I have sold my home and am in temporary housing waiting for the loan to go through. Since he has refused to respond in a reasonable time, the construction company is looking to sell the current home to another prospected buyer. I may lose my option to purchase a home and become completely homeless due to the loan officers incompetency to respond and communicate in a reasonable time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XXXX I had applied for mortgage assistance and was approved to have the payments that we were behind deferred. The first payment was due in XXXX. I had previously done the payment deferral during covid because it was a hard time. When it was previously done, I could pay it during the month ( of course before the XXXX or it would be considered late ). I was planning on paying the payment on the XXXX. In the beginning of XXXX, I received a notice of default letter. I tried to go online and make the payment for XXXX. It let me but then weeks later ( with no notification ), I received a refund check back in the mail. I don't understand how I could of been approved for the payment deferral and then receive a notice of default. And after that, it was saying I needed to make the payments from XXXX to current and not just XXXX to current. That is not right and should not be allowed to happen. I have since applied for assistance again and am being told my only option is to short sale the home. We've had a tough time and are finally getting back on track, we have plenty of equity on the home and have a large MI monthly payment that could possibly be removed if US Bank was really looking to help homeowners.

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 2022-08-09
Company: I.C. System, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a collection on my credit report that has been open for almost 4 years by XXXX XXXX for {$360.00}. I believe my identity may have been used to open this account and I have no knowledge of this account but it seems impossible to remove from my credit 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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or the 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 an 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 2022-12-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation