BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
on XX/XX/2020 - i sent a fax - enclosing copies of my social security card/driver 's lincence - to Equifax on the same date i also sent them a letter attaching these document copies - have usps tracking which shows Equifax received this on XX/XX/XXXX on same date i sent these document pdf 's to equifax customerservice - purpose - to lift temporarily my credit freeze [ bank loan can not be processed because of the freeze - need funds desperately ] i had zero problem getting my credit freeze lifted with XXXX  and XXXX i went to register on equifax site so i can get this done - they sent me a 10 digit verification code - used the code - went thru all the steps - got a screen saying to call a given number - called the number - they wanted mobile phone number [ not having one, i gave them regular number ] - provided social security number - digits of street address - and finally zip - they did not help me create a login - its been a nightmare trying to get response to my credit freeze removal - and getting help to log in so i can do this PLEASE HELP- AM SURE YOU CAN FIND SIMILAR COMPLAINTS AGAINST THEM - EQUIFAX XXXX ON THE WEB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello ; My bank Citizens bank account, I have paid over {$2500.00} in overdraft checking fees this year as of XX/XX/XXXX. I shut off the overdraft option as of XX/XX/XXXX. Suddenly I receive a letter from Citizens notifying me last 12 months I had overdraft fees. Obviously, prior to shutting off the overdraft option I know I had OD fees. Appears to be that since Citizens isn't getting the $ 200-300 in overdraft fees monthly they used to auto deduct from my account since opting out.I now receive a letter stating I can " opt-in '', take from savings or get a line of credit. The line of credit would have been beneficial for years to me. I have banked at CB for 5+ years. CB never approved me for a line of credit to cover overdrafts but would gladly take in 3 years probably 3-4k just in overdraft fees. This is on an account that is a direct deposit. On a direct deposit for a certain time period, at a certain amount, people should be eligible for the line of credit so that instead of OD fees they're only paying $ 20-40 a month for a line of credit for any overdrafts monthly. Instead the bank is continuing to prey on low income people. Why is it I can afford to pay $ 2000-3500.00 in overdraft fees but I'm not worthy of a {$500.00} a month line of credit to cover only my checking account? I've paid at minimum {$130.00} a month and up to {$500.00} in OD fees when I opted in, for years. All of a sudden I opt out, my account is a positive balance and now I have choices? The US banking system preys on low income people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-01-11
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been approved from XXXX for mortgage payments. They advises they have sent XXXX and XXXX payment to my mortgage company and US BANK states they haven't received. I am approaching 71 days in default and no one can find these missing payment.

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 2022-11-28
Company: Experian Information Solutions Inc.
State: WA
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:
n accordance with the Fair Credit Reporting act 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

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 2023-07-27
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am hereby requesting the deletion and removal of the listed accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported, and their presence on my report constitutes a direct violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that these accounts and information be promptly deleted from my consumer report to rectify the violation of these laws. Immediate action is required to ensure compliance with the FDCPA and FCRA. Please remove these accounts and associated information without any delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2023-07-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My name is XXXX XXXX, I was a Wells Fargo customer for many years. In 2021, around Covid, I was receiving what I thought to be incorrect atm withdrawal overdrafts. I was not using atm 's at the time. Wells Fargo put a hold on my account, froze my credit and made it impossible for me to even open another account. A few weeks ago, I got a letter from them saying that I was right and the overdrafts were their fault and they wanted to make it right by issuing my a check for {$100.00}. I refused this amount because I am unsure if the amount is correct since I no longer have access to my account. Furthermore, my credit has been ruined for the last two years, causing me to be unable to sign a lease, get a bank account, has hindered me from getting a better job, ect. I am a XXXX XXXX living out of a motel room at the moment and I work at a XXXX XXXX XXXX. Employers look at credit reports, and mine still says I am negative to a major bank. I told Wells Fargo that I deserved compensation for the trials I have endured to which they replied, no. They have already admitted guilt of theft on a federal level because they are FDIC funded. A simple apology and giving a moderate check in an obscure amount is not enough... .my life is still in turmoil because of this ... .please help me bring them to justice.

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 2023-07-27
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
During the time that I have been with US Auto I have been paying on time, until they breached the contract. The company that they claimed took over the contract has the wrong balance and also has not verified my identity. I have no obligations with this new company per the contract. My debt has been sold without my consent. The account has been sold on the grounds of fraud. US Auto has failed to live out it's obligations, also breaching the contract. I demand that my title released to me without recourse of any kind. My title needs to be cleared of any liens of any kind. I demand a cease and desist of you guys not using my signature without my consent of any kind. I demand you not to put any negative marks against my consumer report of any kind. I also demand a cease and desist of all phone communications to stop as well. This day set forward mail only responses. I demand that you guys do not repossessed my vehicle. I also demand that you cancel the loan and refund my money back that I have paid to the finance company. I have also reached out to the attorney general about this matter and filed a ftc report as well for fraud. If this matter can't be resolved I will be seeking legal action. This will be the last response to resolve this matter next it will be from my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have already filed a formal complaint with the Consumer Financial Protection Bureau on XX/XX/XXXXXXXX  case # XXXX. The CFPB reached out to TransUnion, and TransUnion responded with a scripted response and did not make the corrections to my report. I have now hired an attorney who is filing a class action law suit against TransUnion as I am currently being denied credit due to this incorrect information. 

My initial complaint for your review : On XX/XX/XXXXXXXX  I submitted a complaint to the CFPB to investigate TransUnion for incorrect reporting. The CFPB closed the case after TransUnion responded without making the necessary updates. TransUnion simply sent a standard computer generated response saying I would be notified by mail. As I mentioned in my XX/XX/XXXX complaint. Transunion has been and continues to report a XXXX  XXXX XXXX  bankruptcy that is not mine. I have told them on multiple occasions, this was a XXXX XXXX filed by my ex wife. I submitted letters from the Superior Court of California Bankruptcy division, signed by XXXX XXXX that clearly stated this is not accurate, and that I did not file for XXXX XXXXXXXXTransUnion has made the fatal mistake of ignoring that judges order. I then contacted the agency they use to verify there information, which is XXXX and they agreed that they were also reporting in error. They provided me with a letter stating the information was incorrect and they had removed it from my credit file. TransUnion unfortunately has continued to ignore all of the evidence I have provided. They continue to disregard the laws that were put into place to protect consumers from predators like themselves.

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 2020-03-31
Company: Experian Information Solutions Inc.
State: SC
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:
On XXXX XXXX I called XXXX XXXX XXXX to advise them that I am in the process of purchasing a home. They offered a settlement of {$2600.00} for all 7 accounts and will be reported as paid in full. I received the letter by email stating that I had until XX/XX/XXXX to make the payment. On XX/XX/XXXX I called and made the payment IN FULL of {$2600.00} with my XXXX XXXX XXXX card ending in XXXX. I was told that the accounts would be removed using their E-Oscar reporting software and the account would reflect on my credit report as paid in full and no longer in collections. I checked my report again and the accounts are still listed. I reached out to Experian, XXXX, and XXXX to advise them as well as sent documentation showing accounts listed and bank statements showing accounts were paid. The credit bureaus refused to update with the correct information and it's severely affecting my ability to purchase my home.

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 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
The item on the report in question is KOHLS/CAPONE for {$180.00}. I tried reaching out to KOHLS at ( XXXX ) XXXX and they told me they could not find my information and was unable to assist due to not having my information on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: EQUIFAX, INC.
State: SC
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:
On XXXX XXXX I called XXXX XXXX XXXX to advise them that I am in the process of purchasing a home. They offered a settlement of {$2600.00} for all 7 accounts and will be reported as paid in full. I received the letter by email stating that I had until XX/XX/XXXX to make the payment. On XX/XX/XXXX I called and made the payment IN FULL of {$2600.00} with my XXXX XXXX XXXX card ending in XXXX. I was told that the accounts would be removed using their E-Oscar reporting software and the account would reflect on my credit report as paid in full and no longer in collections. I checked my report again and the accounts are still listed. I reached out to XXXX, Equifax, and XXXX to advise them as well as sent documentation showing accounts listed and bank statements showing accounts were paid. The credit bureaus refused to update with the correct information and it's severely affecting my ability to purchase my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: U.S. BANCORP
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:
XX/XX/2020 I found out my account was negative {$100.00} and there were 2 pending Overdraft fees. Looking into my account further, US Bank charged me {$36.00} overdraft paid fee when my account was not in the negative. Due to this fee, I had 4 transactions ( less than {$20.00} each ) that made my balance go negative. I believe more overdraft fees will be posted soon. I know its perfectly legal for banks to rearrange transactions to maximize overdraft fees. If this happens I am responsible for the fees. Banks should also be held accountable if it was the other way around. They charged overdraft when my account was not over withdrawn and because of that overdraft fee being charge, 4 transactions went into the negative causing at least 2 more overdraft fees which are currently pending. I called and spoke to the bank but for some reason the computer wouldnt allow him to reverse the posted overdraft fee. This is not right. My account should never have been over withdrawn based on the order of the posted transaction which US Bank has 100 % control over it. This should be illegal.

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: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello, I am writing regarding XXXX overdraft fees charged to my Citizens Bank checking account. On XX/XX/2023, there was a debit from my account for my retirement. The debit was not supposed to occur in XXXX as it was deferred for XXXX and XXXX. Unfortunately, this caused my checking account to go into a negative amount. I obtained credit for the incorrectly charged amount on my retirement account. This was noted in my checking account on XX/XX/2023. In the meantime, my bank charged me XXXX overdraft fees. I contacted the bank on XX/XX/2023, via telephone and was told the bank can only reverse XXXX overdraft fee. I told them that based on the circumstances, it seems unfair not to reverse all three. I also tried going to the local branch on XX/XX/2023, but the teller told me the bank can only reverse XXXX overdraft. She did not bother to listen to the circumstances of my request. I asked to speak with the branch manager but the manager was supposedly speaking with a customer. After XXXX minutes I left. I am looking to have these XXXX overdraft fees removed. Please contact me with whatever information you need. 

Sincerely,

Company response to consumer: Closed with monetary relief