BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The customer opened a Wells Fargo Everyday Checking account on XX/XX/2017. The account was opened with a {$200.00} bonus promotion attached. The application reference number is XXXX. 

The customer subsequently completed all the requirements for getting the bonus, however, was declined the {$200.00} bonus ( did not get the bonus ). 

There is one bullet point in the bonus eligibility that may prevent the customer from getting the bonus : You can not be a recipient of a consumer checking bonus in the past 12 months ( limit 1 bonus per customer ).

The bonus qualification requirement and payment date ( attached below ) led to the customer mistakenly thinking the 12-month limit is from the date he received the last Wells Fargo personal checking bonus to the date he shall receive the bonus for this {$200.00} bonus. The customer was approved for this account with the bonus offer attached and fulfilled all the bonus requirements. The language of the 12-month limit in this offer was unclear to the customer and affected his decision for applying for this account.

Attached : Bonus Qualification & Bonus Payment To qualify for this bonus, the customer has to complete the following : " for 3 consecutive months, make a minimum of 10 purchases/payments per month with your new Wells Fargo Debit Card '', and the bonus payment will be deposited as follows : " We ( Wells Fargo ) will deposit the {$200.00} checking bonus into your new consumer checking account within 45 days after eligibility and qualifications have been met ''.

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 2015-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
the issue is not with a company.it is with the credit bureaus...seems that the amount of time an account has been in effect..counts for the score...credit bureaus show only i year for them...i have accounts since XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX etc..XX/XX/XXXX, etc.

if this is a factor in correct score..i need a correction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have been getting emails from Collections from various debt collectors for the past several months. Usually I delete as scam emails but occasionally I ask them to validate the debt, which they never do. 
Tonight I received an email from ACE collections and it says I have to appear in court on XX/XX/XXXX. The email is contains no contact info for court or collections department. It does however contain a link to appear in court via XXXX XXXX. 
I have pasted the email below to better illustrate : " XXXX XXXX XXXXs : ( XXXX XXXX XXXX ) From : XXXX Dear XXXX, Phone Number : Despite our previous reminders, we still have not received any payment or answer from you. Therefore, we regret to inform you that we are downloading your case file and will conduct virtual court appearances on XX/XX/XXXX, using XXXXXXXX XXXX and telephone conferencing. The meeting invitation or court appearance notification will tell you how your appearance has been scheduled. If you are uncertain, contact the court, directly. 

IMPORTANT : You are prohibited from recording video or audio, or taking photos or screenshots during a virtual proceeding. 
( See XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Appear Using XXXX XXXX OR Appear by Telephone ( not using the XXXXXXXX XXXX app ) If the court scheduled a telephone appearance for the case, the court will call you on the date and time of the hearing. Be sure your phone is near you. 

If you have questions before the court date, Email us back so that our attorney can help you or send us the payment today to hold this case file ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
US Bank is engaging is unfair and deceptive practices by purposely charging customers a late fee on their credit card when the online payment did not work as scheduled. I logged into my US Bank Account several weeks before the {$29.00} payment was due on XX/XX/2018. I thought I had scheduled the payment as that is what the online banking system displayed. However, I noticed on XX/XX/18 that the payment never went through and I was charged a {$27.00} late fee, which is ridiculous for a {$29.00} payment that was not made due to an error in US Bank 's Online Banking System. I made an online banking payment for my whole balance, minus the late fee, on XX/XX/18 and contacted Cardmember Service about waiving the late fee since there was an issue with the system and I've attempted to set up Autopay in the past without luck. Cardmember Service refused to waive the fee and hung up on me when I requested to speak to a  supervisor. 

This same situation occurred last year when I tried to make an online bill payment through their site but they claimed they never got it. They were supposed to help me set up autopay last year, but never did. US Bank is clearly engaging in unethical behavior and trying to scam their customers out of money.

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 2019-12-16
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND NOTICED THAT SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I filed a dispute for incorrect problems on my credit report. It has been well over 30 days and I haven't recieved any investigation results.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 and many others are not mine that are reporting I have made many attempts with different disputes. All were over looked now I had to go all the way to the extent to file a police report which is provided below to have these things removed to prove they are not mine. 

15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer Lam demanding the deletion of the accounts listed Immediately.

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 2016-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX MEDICAL ACC # B XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX MEDICAL ACC # XXXX IQUIRE NOT MINE XXXX XXXX/XXXX/XXXX XXXX MISC XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXVARIETY STORES XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB 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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions These credit bureaus always validate information and do false investigations These two accounts are fraudulent and are not mine. I have wrote the credit bureau over and over and nothing has been done.

Also these 8 inquiries were not done by me!! 
I have the police report number

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 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. The TransUnion Credit Bureau is reporting inaccurate information on accounts below ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX XXXX, THE BUREAUS XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: MS
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. 

XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights XXXX XXXX XXXX, Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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 XXXX 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 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any 3rd part affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : 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 2016-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XX/XX/2015 I reported to the credit bureaus ( XXXX and TransUnion ) that I did not authorize XXXX., to run my credit with any banking institution for credit on a new vehicle. I gave XXXX permission to run my credit and I told them if their financial institution could not finance me then I do n't want the vehicle. I was informed by my sales Representative XXXX. that my credit would not be sent to other financial institutions. But I found out later that was a lie, when I pulled my credit report it had four inquiries ( XXXX, XXXX XXXX, XXXX Bank and XXXX ) I did not give permission to run my credit. I wrote XXXX and they did not respond to my request for them to contact the financial institutions and have them to remove those inquiries of my credit report. These inquiries are hurting my credit and me and my husband have put off building a home due to these inquiries. I have given them more than enough time to remove these inquiries and they have not. I am attaching a copy of a signed receipt from XXXX where they did receive my letter to have these banking institutions to remove these inquiries.

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 2021-12-12
Company: Square Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Cash app promised {$100.00} back on spending {$100.00}. Now there are denying the {$100.00} back because they falsely claim that it needed to have been {$100.00} spent. However, what I see in the app shows me {$100.00}. Their customer support has been the most frustrating I have ever seen. They sent copy and paste replies that aren't helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Inquiries have been showing up on my credit file that I have not authorized. I have contacted every single company listed and not one has removed them from my credit reports. I have been a victim of identity theft and want them removed so I contacted the credit bureaus directly and they have yet to remove them. Please help me. My credit is ruined do to this and I am in need of help with this situation.
1.   XXXX   XXXX   XX/XX/XXXX  2.   XXXX   XXXX    XX/XX/XXXX  3.   XXXX   XXXX     XX/XX/XXXX 4.   XXXX   XXXX   XX/XX/XXXX 5.   XXXX   XXXX   XXXX    XX/XX/XXXX  6.   XXXX   XXXX   XXXX    XX/XX/XXXX  7.  XXXX   XX/XX/XXXX ,  XX/XX/XXXX  8.   XXXX   XXXX     XX/XX/XXXX ,  XX/XX/XXXX 9.   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX 10.   XXXX   XXXX    XX/XX/XXXX 11.  XXXX   XX/XX/XXXX  12.  XXXX   XX/XX/XXXX 13.   XXXX   XXXX   XX/XX/XXXX  14.   XXXX   XX/XX/XXXX  15.  XXXX   XX/XX/XXXX 16.  XXXX  XX/XX/XXXX ,  XX/XX/XXXX  17.   XXXX   XXXX   XX/XX/XXXX 18.   XXXX   XX/XX/XXXX 19.   XXXX     XXXX   XXXX     XX/XX/XXXX ,  XX/XX/XXXX  20.   XXXX   XXXX    XX/XX/XXXX  21.   XXXX   XXXX   XXXX     XX/XX/XXXX 22.   XXXX   XXXX    XX/XX/XXXX ,  XX/XX/XXXX 23.  XXXX  XX/XX/XXXX ,  XX/XX/XXXX  XX/XX/XXXX ,  XX/XX/XXXX   XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/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 2021-12-12
Company: EQUIFAX, INC.
State: OH
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 not an attorney nor a third party I am filing this complaint due to a previous complaint that was never addressed by the credit bureaus. I have filed a police report over the fraudulent account from XXXX XXXX XXXX # XXXX. Plus there was some information on my report that is inaccurate. I am in the process of starting my new business and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 605b, 623, 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute is listed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have a copy of my ID and SS Card for verification purposes. 
Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX, OHXXXX XXXX XXXX XXXXXXXX XXXX XXXX, OHXXXX

Company response to consumer: Closed with explanation