BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: FL
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 this creditor has violated my rights my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that your organization has violated my rights as stipulated in the FCRA, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b.

15 USC 1681 Section 604 ( a ) Section 2 of the FCRA outlines the permissible purposes for obtaining a consumer report, restricting access to an individual 's credit report to those with a legitimate and lawful reason. This provision is in place to ensure that sensitive credit information is only accessible to entities with a valid need, such as creditors, employers, insurers, and landlords. Any unauthorized access or use of my credit report may be deemed a violation of this provision.

15 USC 166b is a significant part of the FCRA and sets out requirements for obtaining and using consumer reports for employment purposes. This section aims to protect the rights of consumers, particularly when it comes to their employment opportunities. It obligates employers to adhere to specific guidelines when requesting and using consumer reports for employment screening purposes. Violations of these guidelines can result in a breach of a consumer 's rights. 

I believe that your organization has infringed upon these provisions of the FCRA by treating a payment as late. 

I kindly request that you investigate this matter thoroughly, rectify any errors, and take the necessary corrective actions to ensure compliance with the FCRA. It is vital to protect consumer rights and maintain the integrity of the credit reporting system. 

Please provide a written response within 30 days of receiving this letter, explaining the steps you have taken to address this issue and any remedies or corrective actions you plan to undertake. Additionally, I request that you furnish me with any documentation or information related to this matter. 

Failure to address this issue within the stipulated timeframe may compel me to take legal action to protect my rights under the FCRA. I hope it does not come to that, and I trust that we can resolve this matter amicably and in accordance with the law. 

I look forward to your prompt response and a satisfactory resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: WELLS FARGO & COMPANY
State: CA
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:
I AM A VICTIM OF IDENTITY THEFT 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.

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 2023-09-09
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EQUIFAX it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX XXXX XXXX XXXX  acct # XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/Date of First Delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate Equifax has XX/XX/2022, XXXX has XX/XX/2022, XXXX has XX/XX/2022. All three can't be accurate or correct. FCRA requires you to fix it or delete it. 

ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
When I attempted to apply for an online account with BMO Alto I was denied. When I called there is no path forward, nothing to do. The email I received stated no reason but encouraged to apply again if there could have been a mistake. So the second time my husband applied as the account owner and me as the co-applicant. He was immediately approved and I received the invite to apply as co-applicant. As soon as I completed my application I was denied. No reason for the denial in the email received. So I spent over an hour on the phone this morning waiting for customer service and trying to get a path forward. They told me there must have been a mistake in my information, so we went over all of it and it is all correct. They told me my identity could not be verified and therefore I was denied. When I asked what I needed to look into to find where the misunderstanding is I was told there is nothing to be done and that they could not verify my identity therefore I could not have an account with their institution. As an employee of the Department of Defense, I know that my record is clear and there are no issues. Yet, they just stated I was denied and that my husband could manage the account and I could be a beneficiary. I responded that it wasn't acceptable for us and that we both needed access to our account as equals. Then I was told there was nothing they could do, therefore they basically have excluded me from their services despite the fact my record is pristine and my credit is stellar. Would like a resolution. If I can not be on the account we will not be transferring a XXXX into the institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2022-10-07
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX was to process credit cards for a 2 percent fee was never granted access to withdraw funds from account. no other fees were to be charged closed buisness on XXXX account was only used for deposits of social security. deposit records show this.branch bank did not address change to mailing address so was not aware of unauthorised withdraws till XXXX. so monies from social security were taken i nave received no court orders to allow funds to be taken from 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 2020-01-07
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
Us Dept of Education is reporting an collection to my credit report. However I should have no collections with them as my accounts were in forbearance. This is in violation and there should not be a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/23 refund for {$96.00} was made from XXXX XXXX merchant. Bank of America says it it takes 5 days because they don't have the money yet which is inaccurate. The money was sent back which is why they can record it taking place. Bank of America charges a LOT of unnecessary fees and places ridiculous holds on your account to create overdrafts so they charge more fees.

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 2021-03-11
Company: Netspend Corporation
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I was notified by the Veterans Affair US Treasury Dept. that a direct deposit of {$110000.00} was sent to my XXXX Netspend XXXX checking account. The deposit did not post. I have called Netspend by phone everyday. I have emailed them also.In addition to my emails, I forwarded the email from the Veterans Affair government office on Friday, XX/XX/XXXX to Netspend as additional documentation per their request. On Saturday, XX/XX/XXXX Netspend responded with an email to me claiming that the documents sent were " illegible and insufficient. '' " Kindly refer to the information below regarding the documents we need to verify your pending direct deposit. 
There is a pending direct deposit on your account ; however, the amount of the deposit exceeds the maximum value of your card account which is {$15000.00}. Therefore, this deposit requires additional review and may be declined. '' On Monday, XX/XX/XXXX I emailed Netspend again and requested that they post the money to my account and to contact me if there is a problem. Unfortunately, as of XX/XX/XXXX Netspend continues to hold my deposit hostage and keeps giving me the run around as to why the funds have yet to be released. Whenever I ask to speak to a manager, I am kept on hold for over an hour. Moreover, they refuse to give any corporate contact information by stating " they are not allowed to give that information out. '' My frustration level and XXXX XXXX is dangerously high. I have XXXX and other health problems that require a caretaker. My caretaker needs to be paid and I can't do it, because Netspend will not release my money. How dare they treat and disrespect a XXXX veteran like this? I have complied with everything they have asked of me in order to release the pending deposit. This is not the first time Netspend has done this to me regarding a large deposit from the VA. They made me jump through hoops once before and I believe they are demonstrating racism and discriminating against me. I submitted valid and legitimate documents i.e., copy of social security card, drivers license and they still won't release the money. At the onset of this problem with Netspend I called the VA 's office and we had a conference call with Netspend. They made no attempt to resolve the problem even with the VA representative. Needless to say, countless complaints have been filed against Netspend with the 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 2020-01-07
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
Chase Bank is reporting a fraudulent account that I never applied for. It is linked to an address in which I have never lived.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: CA
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : - XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 2023

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update 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 non-monetary relief
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions COLLECTION ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HARD INQUIRIES : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX SOFT INQUIRIES : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Inquiry XXXX XXXXXXXX XXXX XXXX Promotional Inquiry XXXX XXXX XXXX XXXX  Prequalification for Credit Card XXXX XXXX  XXXX XXXX Direct to Consumer Report XXXX XXXX XXXX XXXX  Promotional Inquiry XXXX XXXX, XXXX XXXX to XXXX Report XXXX XXXX XXXX  XXXX  Promotional Inquiry XXXX XXXX XXXX Prequalification for Mortgage XXXX. XXXX XXXX XXXX Automated Consumer Interview System XXXX XXXX XXXX Automated Consumer Interview System XXXX XXXX Account Review Inquiry 13. TRUECREDIT/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 2021-03-11
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I inquired with XXXX XXXX of Highlands Mortgage regarding mortgage rates for various investment properties I was considering buying. Specifically I emailed him on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021, with specific properties I was considering at the time. I then asked him a few follow up questions via email. I had not yet given him any personal information, credit information, or applied for any loan. I also did not give him any information on the properties I was considering, other than a general price range and cities. All of a sudden, the evening of XX/XX/2021, he sent me the following vague and unhelpful email : " The XXXX XXXX is going to respectfully remove itself from consideration on these loans. 100 % understand and respect the investors need/right to secure the absolute best rates/terms/service you can find. But we wont be the right fit in this case I believe. We wish you great success in all your RE pursuits! '' Thinking there was a misunderstanding, I sent him a follow up email to ask him what the concern was. The next day, XX/XX/XXXX, I again emailed him to confirm that he was not discouraging me from applying for a mortgage. I then submitted an application on his website on XX/XX/XXXX, and provided him all of my personal information and documents that he would need to make a decision. All of these emails have gone unanswered. The application I submitted over XXXX business days ago has not yet started processing and he has not done a credit check. I have not received a GFE or a denial, or even any reason for his vague email. 

Because at the time of XXXX XXXX 's email, I had given him no personal information about myself, including my SSN or financial information or documents, there was no legitimate business reason for his XX/XX/XXXX email discouraging me from applying for a mortgage with him. The ONLY information he had about me was my name and the fact that I was rate shopping, neither of which is a permissible basis under the XXXX and XXXX B for discouraging a mortgage application. Further, by not providing me a GFE within XXXX business days of my application, XXXX XXXX is in violation of the XXXX. By not providing me any rate information for the past few days or taking any action on my application, he has caused me to miss out on a beneficial mortgage, with a discriminatory purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, 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 the consumer XXXX XXXX have unauthorized inquires and an account present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies have to block and remove inquiries related to identity theft. Unauthorized inquiries and account are as followed. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX/XXXX  XXXX

Company response to consumer: Closed with explanation