BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was the named trustee and sole beneficiary of a trust account being held through Wells Fargo. I was never notified by Wells Fargo that the account was in existence - an account in which I was the named trustee and the sole beneficiary. Wells Fargo never notified me about the opening of the account, never sent me a monthly statement ( as required by federal law ) and never sought my permission to make trades and transfers ( as required by law ). Wells Fargo also violted the Know-Your-Client Federal Law by never meeting with me. 

In fact, Wells Fargo went out of its way to keep this account secret from me. 

When I learned of the account, totaly by accident some 20 years after Wells Fargo had secretly set-up this account, Wells Fargo then illegally transferred the funds out of the account into new accounts with secretive names. The broker at Wells Fargo bragged, while under oath and in a recorded interview, that I would never be able to track or retrieve the funds belonging to me.

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 2019-05-24
Company: EQUIFAX, INC.
State: PA
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship.Even though its an identity theft claim, a 30 day re-investigation process is required. In the event that Equifax decided not to block the tradelines identified as identity theft, Section ( c ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Please be advised that Equifax, at this time, will not block the information subject to the Submitted identity theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify the account/s on your behalf ''. Equifax made its decision not to block items identified as fraud/heft. No reason was provided. A blatant disregard to the FRCA Section 605 ( b ).  Provided the Following A copy of Police Report A copy of my credit report I received from your company. The fraudulent items are Listed. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B/609E of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
All proof of respondents and faxes. 
And responses

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX  Account Number : XXXX Please update payment status to current. 

XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX Account Number : XXXX Please update payment status to current. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you.

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 2023-05-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I received an offer from another card for 0 % financing on balance transfers. I had 3 transfers set. 2 have gone through, US Bank still waiting for Chase Bank to process theirs. It has been over a week since the other 2 have processed. I'm inclined to think Chase bank is holding out the process so they can gain more interest out of me for their purpose of making money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is regarding my cash app account. My payroll direct deposit has not been credited. I have tried to speak with support numerous times. They do not speak with me in really time. They wait about 3 hours each time then give me the same answer. That being, it can take up to 5 days. Its been 5 days, its still is not credited and they still are not communicating with me. Payroll is sent out each Monday. That would have been XX/XX/23. I usually have access to the funds about 2 days later. That would have been XX/XX/23. It is now XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: American Credit Acceptance, LLC
State: NV
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:
Unfortunately I have become a victim of identity theft over the course of the last 10 years that I am just now finding out about. 

Unauthorized collection accounts from identity theft : 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 Some of the inquires listed above have mulitple postings to my credit report. I have always lived at home with my parents. I have never lived on my own nor have I ever had utilities in my name. I believe my identity has been compromised for over the course of about 10 years. I have not been able to recognize a lot of the information on my reports and I am utterly concerned and would like to address this immediately. 

I have attached to this report, the FTC report that I have sent to all unauthorized closed & charged off companies, as well as to all soft/hard inquiries and they are verifying inaccurate information. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Discover card in early XXXX. I reported income that I expected to make in 2019. I was issued a card based on this information. I received a few emails asking me to call Discover. At  first, I thought they were scam emails so I did not call. After receiving a voice mail indicating that Discover was trying to verify my income, I called the XXXX # on the emails. I was told that the income reported was not verified and therefore the card issued was closed. I hadn't used the card nor had it been activated. I asked why they would have issued a card prior to income verification and a response was not given. Unfortunately, this now shows up on my credit reports as a card opened and closed with a very short duration. This is affecting my credit score. I called Discover on XX/XX/2019 to ask if the open/closed account had been sent to the credit bureaus and if this was standard practice for situations like mine. The reply was " yes ''. 

Are credit card companies allowed to open a card prior to verifying income and then closing said card and then reporting said card as having been open/closed ( when card was never used or activated )? It's almost as if this was double jeopardy or adding insult to injury - denying card and then reporting it as open & closed. Discover said "  yes '' to these questions. 

My credit score has dropped to XXXX and as a result, XXXX XXXX is increasing my interest rate from 7.99 % to 13.99 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: NC
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:
Here it is two years later and I can not access my EQUIFAX credit report and I have already filed two complaints. I am thinking of going to meet with legal counsel because they will not rectify the matter. 
Previous complaints filed : Report XXXX Date XX/XX/XXXX I requested my information from Equifax in XX/XX/XXXX and upon receiving it my birth date along with other personal information was correct. I disputed what I could via online XX/XX/XXXX and then I faxed a letter ( XXXX ), a copy of my ID, a W2, and a bill to show the correct information. Still, my birth date that another individual was allowed to change was not changed to my correct DOB. Fast forward to XX/XX/XXXX I mailed a letter with the same information that I faxed on XXXX and still, my information has not been changed with Equifax. I can not request a copy of my file because my information does not match, when I call I'm told to fax over proof of my identity to be able to obtain my own credit file. They are constantly giving out data pertaining to me to everyone but me and it is incorrect. 

Report XXXX Date XX/XX/XXXX Currently, there is an open investigation on Equifax with CFPB # XXXX. Equifax mailed me an updated credit report XXXX ( it showed on my XXXX dashboard ) stating they have corrected my DOB. That is incorrect, my DOB is XXXX now they have changed it to XXXX. Why can they not correct my information to the correct information and I submitted a Government-issued ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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:
PLEASE DISREGARD THE PREVIOUS COMPLAINT. 


I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
on XX/XX/2012 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY. 
to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
EQUIFAX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Tribal Lending Enterprise, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Letter sent to the lender ; Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the Florida state XXXX  XXXX XXXX XXXX and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida XXXX XXXX XXXXXXXX. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Florida Attorney General 's Office. 
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, CC : Federal Trade Commission XXXX XXXX XXXX  Florida State 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 explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: NC
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX  XXXX Account # XXXX Bal : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I started the case XXXX. 
YOUR COMPLAINT I would like to report how US bank is cheating clients. It was advertisement that U.S. Bank will give you up to a {$600.00} cash bonus when you open a U.S. Bank Smartly Checking account, enroll in online banking or the U.S. Bank mobile app, and complete 2 or more direct deposits totaling {$3000.00} or more for the {$200.00} bonus, {$6000.00} or more for the {$400.00} bonus. By the way advertisement is still on the web. I followed the bank link with promised promotion, opened a checking account on XX/XX/2022 and set up a direct deposit for a total like XXXX for the first couple months. Then I figured out that I got no bonus for this. I started to call a bank and customer service representatives that I talked with told me that I am eligible and will get it soon. Last call I talked to XXXX and he spent a lot of time trying to figure out what had happened. I said that I would complain about bank cheating and He escalated this to the next level and said to me that somebody will be in contact soon. A few days later XXXX called me and said that I was supposed to have a special invitation for this bonus. This is a clear way of cheating. I followed the link, opened all required actions and the bank in XXXX said you have no invitation for a getting bonus. What is even more ridiculous is that I called like 3 times and nobody told me that. I consider that I did everything according to the procedure described in the advertisement. The bank cheating practice is not following the link of the opening account with the promotion bonus. I claim that the bonus should be paid as it was promised. 

The response i got is just confirmation of the scam that bank does. Here is my answer and i am looking the way to escalate the issue : Thank you for your response but you answer confirms that you are cheating clients. How could I possibly know that without an invitation letter the offer would not be valid. Moreover, I called much earlier several times, and nobody told me that. So, I would like to escalate this for the next level. I would like to report to CFPB that the Bank practice is a scam, completely unappropriated and not transparent. I believe that happened to many clients that follow your promise. They make advertisement and do not follow the rule they promise to. This is typical scam, and I will be complaining again. Such practice should be stopped because I see there a lot of advertisement of this type from US bank.

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 2023-05-03
Company: EQUIFAX, 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:
I had my credit run yesterday for mortgage pre-approval and an address came up that is not mine. The address below does not belong to me or any of my associates ever. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Experian Information Solutions Inc.
State: TN
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 signed up for credit repair which turned out to be a scam. Naturally, the individual who was supposed to be helping me to repair my credit had access to very sensitive information, including my social security number. The person alleged they were signing me up for a secured rewards card, when in fact, they applied for the XXXX Card ( which only offers a small cash back rewards incentive ). Apparently, a dupe was made. I discovered this was not the aforementioned card when it appeared on my credit report as and inquiry and with a balance I was not aware of. I have not been able to reach this person in over a month regarding this matter and others and I have been unable to file a police report. I have disputed this with Experian but they were unwilling to remove the information from my credit report, while the other reporting agencies did. I have also contacted XXXX. This is my last recourse. Additionally, I have frozen my three credit reports so that no further accounts can be opened in my name until this is resolved.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on 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 non-monetary relief