BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-24
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a XXXX party. 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 XXXX USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-10-31
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have contacted Wells Fargo Boards Communications several times regarding an overdraft charge on my account. XX/XX/2022 I notice the overdraft and immediately emailed them stating that I notice the overdraft charge and that there shouldn't be one because I am a federally protected consumer and this account is FDIC insured in the amount of XXXX which covers all deposit and transaction so why is my account in the negative? Not only have they failed to properly handle this issue but my account is as of today XX/XX/2022 still reflecting a negative balance so what are they using the insurance for? If there not using for accounts purposes.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: NY
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'm an authorized signer on XXXX XXXX XXXX credit cards. Both myself and the primary card holder have requested XXXX XXXX remove my social security number from these accounts and stop reporting these cards under my name to the three credit bureaus. XXXX XXXX has refused to assist, even though we were told by XXXX XXXX 's security team this is possible.

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 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 fumish a acount without my written instructons 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2017-05-17
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened up a  BB & T  account on    XX/XX/2017 .   I received my card on  XX/XXX/2017 .   I made my opening deposit on   XX/XX/2017     of {$50.00}.   I made 3  XXXX  transactions Mobile deposit of {$490.00} And {$300.00} ATM deposit They held my cash and mobile deposit Then on   XX/XX/17     my mobile deposit was supposed to be made available then I was told by  XXXX  it would be available. Around  XXXX  I noticed my account was over drawn  XXXX  When I called they said it was a problem with my mobile deposit so I then asked what?   A  manager  told me he is n't sure but my accountant with be back in the positive by  XXXX  I told him I been trying to pay a past due bill and the bank has held up my {$300.00} cash I deposited The bank never gave me an available balance for my mobile deposit so you all have just taken my money for no reason. He assured me my money in full would be back in my account. This morning around  XXXX  my account had an available balance of  XXXX  So I went to go attempt to pay my bill that is past due and my card declined.   I called  BB & T  and the representative asked me more than normal security questions including my drivers license number Then to tell my the fraud department has put a hold on my whole account. With no explanation.   When I made my opening deposit it was made in a branch in which I showed my ID and signed my signature card The  BB & T m anager I spoke with assured my account was fine and he would wave all fees.     I
personally feel that my account is being froze because I told multiple BB & T representatives they have horrible service and after my {$300.00} was put back I would be closing my account. It 's been 3 days and they have refused to give my my cash out my account. And if it was a problem with my mobile deposit they have yet to let me know what or send me anything.

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 2017-05-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian has previously been notified of items reporting on my credit file that are fraudulent. They have ignored my request to block the reporting of the fraudulent information. I have provided notification of which accounts are fraudulent, i have advised which credit inquiries are fraudulent. I have sent my identity verification and i have sent the FTC identity theft report to them. I have sent everything i am required to send under the FCRA and i expect full compliance with the FCR A 605b which mandates that credit reporting agencies must block the reporting of the fraudulent accounts. This is the excerpt of the FCRA 605B ( 15 U.S.C. 1681c-2 ) .A consumer reporting agency must ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in  the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than  4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating t o any transaction by the consumer.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX  and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-01-11
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 Report Act my rights have been violated. Allowing a late payment reporting on XX/XX/22 and XX/XX/22 by XXXX XXXX XXXX and XXXX XXXX XXXX  and a late payment reporting on XX/XX/22 and XX/XX/22 by XXXX  XXXX. Under 15 U.S. Code 1681 Section 602 states, there is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I bought a used XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX and I was been told by the salesman the total amount is {$12000.00}. I was asked to put % 10 down. I paid {$1200.00} down payment. So, I had a remaining of {$10000.00} left on the car. I asked for a paper and statement that said that. the salesman told me I would receive it in the mail. When I received the statement in the mail, Southeast Toyota finance sent me a bill of {$18000.00}. I went to the dealer and showed the salesman the {$18000.00} statement. .He said he will take off {$3000.00} out of it. He will send the paper to southeast Toyota finance to adjust it. What a scammer! In XX/XX/XXXX, southeast Toyota finance repossessed my car and I called the same day to pay off the total amount of the loan to get my car back. They refused to get the payment from me. They said, they will call me back in three days which they never did. They sold my car for {$9300.00}. Now, They say I have to pay a remaining of {$8000.00}. They reported a repossession in my credit! .Southeast Toyota finance and XXXX XXXX XXXX XXXXXXXX are fraudulent companies. They worked together to scam people. I wished I had read reviews before financing with that company. Other customers complained for the same situation They will give you a call back in three days to make the payment which they never did. Next thing you know they sold your car and they sent you almost or the same amount as deficiency. My car was sold for {$9300.00} without notice, and it could have sold for more. They say I have a remaining balance of {$8000.00} and more as of right now. They are still charging interest rate and fees and so on. Specially in this pandemic This company needs to be shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from my mother ( a cashiers check in the amount of {$3000.00} ). Fifth Third bank claimed this was a fraudulent check and froze my account. The same day I had the bank the check was from XXXX XXXX XXXX XXXX ) call fifth third and provide proof that the check was valid. I was able to confirm all of this with fifth third. My account was frozen last Tuesday and is still frozen today. Each day I call they tell me two to three business days. It has been three business days and I can not still get into my account. I have bills to pay what will incur late fees if I can not access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: U.S. BANCORP
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2023, I was able to access my banking accounts which consist of a checking, savings and credit card with USBank. This morning on XX/XX/XXXX, I woke up and remembered I needed to pay a bill. I got on their app on my smartphone and the sign-in page said " Stumped, please check back later. '' I got on the laptop and signed into my account, it said my credentials failed, so I reset my password. I typed in my customer ID and the last XXXX digits of my SSN. Their site said they're stumped again because they can not find my profile or account! I never got a warning about my accounts disappearing from USBank in email, phone call or postal mail. Nothing. No warning. The last email XX/XX/2023 from USBank was about changes to their digital services agreement. No explanation where my profile or account went.

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 2022-11-24
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX XXXX ; Account # : XXXX, XXXX XXXX XXXX XXXX ; XXXX  # : XXXX, XXXX XXXX XXXX XXXX XXXX  # : XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Westlake Services, LLC
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. under USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for any purpose

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 2023-11-20
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I initiated a payment through Venmo to XXXX XXXX, totaling {$58.00}, for the purchase of a pair of sneakers from a XXXX company with positive online reviews. Despite the promising reviews, I never received the ordered goods. On XX/XX/2023, I engaged in a conversation with a Venmo representative, requesting assistance in opening a dispute. Prior attempts to contact the company through their online form had yielded no response, neither in terms of communication nor the delivery of the purchased items. Subsequently, a Venmo representative reached out to me via email on XX/XX/2023, seeking additional details. 
They asked for evidence of my communication with the company. However, since the company only accepts communication through an online form and I received no response, I couldn't provide the requested information. Consequently, the dispute was denied, as stated in their recent email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
At Wells Fargo Bank I was charged overdraft fess on several occasions, two most recently, although I made the deposits before the cutoff 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 2022-11-23
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter in the mail stating that " due to recent activity, a temporary block has been placed on the above referenced Destiny Mastercard. '' This is the first I have heard of this credit card and I did not ever apply for the Destiny Credit card. I logged on to check my credit report and the Destiny credit card is showing on there as well. A Balance of {$960.00} for Destiny Mastercard. I do not own a Destiny credit card and believe this was opened in fraudulent activity.

Company response to consumer: Closed with explanation