BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: NC
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 # XXXX Account name : XXXX, Account # XXXX Account name : XXXX, XXXX, Account # XXXX, Has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions 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:
Under the Fair Credit Reporting Act these accounts below and information has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681 : 1. Collection- XXXX XXXX. Collection- XXXX XXXX. Collection- XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX 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 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a 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 item of information, other than records of convictions of crime which antedates the report by more than 7 years

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 2023-02-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
on XX/XX/XXXX i deposited a check on the mobile app for {$1600.00}. I started using the app because in person the checks were depositing slower, then i started to deposit in the ATM and the same thing happened so now I used the mobile deposit and the official check from XXXX was on hold for 1 business day which turned to three and then my account went under review which they told me i had to go into a branch to find out why on XX/XX/XXXX. I came in on XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX NY XXXX. Branch manager said that they are closing my account because i endorsed the check. I was furious. I had no idea how this could of happened. He said because XXXX never made the check. My account will be closed and they rarely reopen it then he continued to inform me how to prepare myself to get money if money will be wired. He said I can try to come back in on Monday to talk to the fraud dept. I came in Monday and he wasnt there. I spoke to XXXX XXXX and said was able to get it reviewed again and ill find out by friday if TD Bank will reopen my account that's dated to almost a decade. I came in monday with a bank statement that my check was in a batch of two others that were made at the same time my boss passed out. The other two were deposited to other banks other than XXXX and TD Bank and did it instantly since its an official check but unfortunately for me its a fraudulent check and my bank is now closed after nearly a decade with no fraudulent check activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Block, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
From the moment I made my account, this agency has taken fees everytime another user sends me funds. Fees range from XXXX all way up to XXXX dependent on amount of funds. HUNDREDS OF TIMES THIS HAS OCCURED way to many to begin listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo Bank allowed fraudulent charges and fraudulent transactions to my bank account

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 2023-06-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was scammed a total of {$1300.00}. I had received a very convincing receipt from XXXX for {$500.00} regarding purchasing bitcoin. I called the customer support line to refute this charge. The number was XXXX. 

I was in a panic because this was a lot of money. The man on the other line who was very convincing as a customer service agent had claimed that the purchase came from Texas. To verify who I was and where I lived they wanted to verify my IP address. In doing so they told me to XXXX them and the money would come straight back. I was to XXXX XXXXXXXX XXXX  ( XXXX ) ( XXXX ) {$1300.00} who I believed to be the supervisor which would send right back. Again in a panic without thinking I sent the money to which it was never returned. 

I immediately went to my nearest Wells Fargo and explained the situation. We then made entirely new bank accounts for me but was told they were not able to cancel the transfer even though It was not even half an hour since the money was sent. 

XXXX would do nothing and claimed that my bank ( Wells Fargo XXXX had a chance of fixing this. 

This XXXX transfer happened under false pretenses and should not be considered valid. It's been a year later and I'm still trying to recover from this wrong that has been done to me. I don't understand why I've been refused justice and it's been incredibly disheartening that Wells Fargo has no sympathy for their clients who put in their trust and money which keeps them running. 

{$1300.00} may not seem like a lot of money to Wells Fargo but it is to many people. That amount of money can really help others like me. 

I plead my case that Wells Fargo does the right thing and consider my scam and making it right. Thank you for your time.

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 2022-12-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We hired XXXX XXXX of the law offices of XXXX XXXX XXXX to defend a foreclosure and to pay off the arrears for the property due to a divorce between my daughter XXXX XXXX XXXX and XXXX XXXX. For over 4 years we directed him to payoff the Foreclosure amount of {$690000.00}, and he repeatly gave us all kinds of excuses as to why it couldn't be done or some other false information, next thing we know a private investor group, of which we suspect XXXX XXXX and XXXX XXXX XXXX is a part of purchase the mortgage and the house is schedule for a 90 day sale. We again told XXXX to payoff the {$690000.00} foreclosure amount and XXXX XXXX of this investor group demamnded {>= $1,000,000}. XXXX never objected to any of the falsified payoff letters of put in any defense to the foreclosure. When we attempted to notify Judge XXXX, XXXX NY Supreme court judge, of the Fraud on the part of XXXX XXXX of XXXX and XXXX XXXX of XXXX XXXX XXXX that purchased the debt from XXXX XXXX XXXX XXXX The judge provided false information to my Daughter XXXX XXXX and forced her to sign a stipulation when we clearly asked for a 60 day stay of foreclosure activities. I, XXXX XXXX, never signed any Stipulation and we are being told that the property was sold back to the bank for {$500.00} despite having viable offers of {$690000.00}. The assessed valuation of the property is {>= $1,000,000} and the foreclosure judgement is for only {$690000.00}. This is a clear case of fraud on the Part of XXXX XXXX XXXX of the XXXX XXXX XXXX, XXXX XXXX to steal the property and resell it for a windfall This is a typical XXXX. that was detailed in the recent Wells Fargo settlement of XXXX XXXX dollars. XXXX we are being served with papers to vacate the property.

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/21, XX/XX/21 and XX/XX/21 and XX/XX/21, I requested that XXXX provide my with the name and information of the reporting agency who provided them with a verification for a bankruptcy that they have listed on my XXXX credit report. All 4 times XXXX responded that LexisNexis Solutions provided them with such information. I then ask LexisNexis whether they provided XXXX with a method of verification and LexisNexis does not have any record of a bankruptcy on my report. I then requested that XXXX removed the inaccurate bankruptcy on my report and XXXX refuses to do so. Per the Fair Credit Reporting Act XXXX has to remove any inaccurate information and must be able to provide me with the information of me having a bankruptcy on my report. I would like an investigation to LexisNexis and XXXX and request that LexisNexis dispute that they verified a bankruptcy to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EOS 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: Old information reappears or never goes away

Complaint:
I was told on a recorded call that the account would be deleted after the balance was paid in full. It has not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, I any and all late marks found on any of my consumer credit reports by the company should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: I.C. System, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At approximately XXXX p.m. XXXX on XXXX XX/XX/2018 I received a telephone number while I was attending XXXX   classes ( my full-time job ). The number that showed up on my caller identification was from ( XXXX ) XXXX and was listed as a " telemarketer. '' The female caller asked if I was " XXXX '' and was she speaking to him. I said " yes. '' The female caller ( whom I later identified as XXXX XXXX representing I.C. Systems ) began to tell me that I owed a debt of {$90.00} plus dollars for XXXX XXXX. After I told XXXX XXXX about the 'fact ' that I don't owe this debt and 'vehemently ' deny it being my debt ; XXXX XXXX began to engage with me in a very closed-off manner accusing me of cutting her off from speaking and telling me that she and her company aren't making money from this transaction. XXXX XXXX falsely represented the money she claims is owed to her and I.C. Systems. 

Earlier in 2018 I switched cable providers and informed XXXX XXXX as such. During a series of phone calls between XXXX and myself it was told to me that I no longer owed any monies and my account was " paid in full. '' I moved on. However, I then get contacted by XXXX XXXX who is purportedly representing I.C. Systems ( which when asked for the address of her company I was denied that address ) telling me I owed more money than XXXX claims which is zero! I reminded her that I felt she and her company were just trying to make money and that they had bought ( what she described as a contract ) this wrongful debt and was attempting to take money from me. I also told XXXX XXXX to never contact me again ( as this is a work number and I was in school and it disrupted a discussion I was involved with ). XXXX XXXX did falsely say that the telephone ( XXXX XXXX XXXX was the only number she and I.C. systems had. If that is so, why was the phone number she was calling from state otherwise as listed earlier? The fact is XXXX XXXX ( if that is even a real person ) and I.C. Systems are involved in a racket to manipulate innocent victims into giving them money which is criminal and thus should be punished as such.

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 2023-06-30
Company: Credit Karma, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Okay so on XX/XX/XXXX I was supposed to have a check deposit into my credit karma account and this was from my job on XX/XX/XXXX that Thursday the check was deposited to my account and immediately taken out the account was take the account was emptied I had a deposit of {$1700.00} that was taken out of my account it was taken from someone or somewhere in XXXX XXXX or some XXXX country and I already spoke to someone at credit karma on the XXXX and told them that I keep getting calls stating that fraudulent activities is trying to be you know done with my account I couldn't verify it with the call that kept coming in so I called them and credit karma said your account is fine there is no fraudulent activities being shown on your account then that night around XXXX I see my check was deposited on the XXXX on the XXXX the XXXX was the day that I went to wake up and I see my whole check was negative it was already taken out but somebody in XXXX I sat there and I called them that morning and I told them what happened they said they was going to put a dispute in I called them that Thursday that Friday and that Saturday so the XXXX the XXXX the XXXX all three days I called them and only on the XXXX that I get information about them actually doing this dispute so I gave them all the way up to this week which is now the XXXX of XXXX and they are saying that they're not going to refund my money cuz they couldn't dispute the transaction I live in XXXX  XXXX  XXXX I work online and company called XXXX I do not live in XXXX I do not feel like they really did a thorough investigation and they are now denying me my {$1700.00} back that was not authorized by me to be taken out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking # - XXXX According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-09-30
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Over draft fees and non sufficient funds have taken money from my account!

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 2023-06-30
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XXXXXXXX I applied to receive a new XXXXt card with expedited shipping XXXX days. On XXXX the XXXX I receive email confirmation of that order. Then on XXXX the XXXX I got anothe email saying it would be XXXX to XXXX days form then. This was deceptive and I would have never agreed if I had know I couldnt get money for food or rent. I am now being XXXX  because I cant get access to my money in my account.

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