BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Upgrade, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan with upgrade and I was sent an email stating that the loan was ready to be processed and the money was ready to be sent. I later received another email ( twice ) requesting that I send a photo of myself to them which I thought was strange since I am XXXX XXXX. And after sending the photo of myself I then had to call them for verification after Ive already been notified that the funds were ready to go. I then received another email stating that in order to get the loan I would have to join their credit union. These were just unnecessary steps to discourage the process. Upgrade was just looking for any reason they could find not to approve the loan. The discrimination is clear I was told the funds were ready to go. Then I was required to submit a photo of myself and after submitting the photo I was then denied. Which is credit discrimination. I knew I more than qualified based on what Upgrade advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, USAA sent a security alert to XXXX  XXXX XXXX saying funds I had transferred between those two account were fraudulently transferred so XXXX  XXXX XXXX held that money from my account {$5000.00} till now. On XX/XX/2023 I reached out to USAA and was told they cleared the security alert and no fraudulent transfer ... .however, USAA FAIED TO NOTIFY XXXX  XXXX XXXX and even after repeated attempts by XXXX. and myself USAA never responded. The funds were part of a personal loan I received from USAA AND HAVE BEEN PAYING 17.99 % INTEREST RATE and I spent days and weeks on the phone or sending correspondence since XX/XX/XXXX plus late fees on top of bills that I paid with those funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: PR
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 received my credit report on XX/XX/XXXX XXXX and noticed there were hard inquiries that don't have permissible propose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus multiple times and they keep violating my rights under 15 USC 1681 B. I have also attached the inquiries that don't have no purpose to be on my credit report.

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 2023-04-26
Company: EQUIFAX, 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:
Attn : Consumer reporting agency To whom may be concern, I XXXX XXXX XXXX consumer and natural person who is a victim of identity theft. XXXX, XXXX, and Equifax had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that consumer has rights to privacy which XXXX, XXXX, and Equifax has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The fair credit reporting act was intended to insure that consumers reporting agencies exercise their grave responsibility with famines and respect to the consumer right of privacy! Under the Gramm Leach Bliley Act of 1999. I enclose all documents social, ID and statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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:
Attn : Consumer reporting agency To whom may be concern, I XXXX XXXX XXXX consumer and natural person who is a victim of identity theft. Transunion, XXXX, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that consumer has rights to privacy which XXXX, Transunion, and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The fair credit reporting act was intended to insure that consumers reporting agencies exercise their grave responsibility with famines and respect to the consumer right of privacy! Under the Gramm Leach Bliley Act of 1999. I enclose all documents social, ID and statement.

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 2023-06-09
Company: Dynamic Recovery Solutions, LLC
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:
Upon reviewing my credit file, I discovered a concerning item that has raised significant concerns. My credit report shows a collection from your agency, and I want to express my deep distress as I was never notified about this matter. Additionally, I strongly believe that this debt is inaccurate. I have taken the time to familiarize myself with US laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), which grants me the right to request and receive debt validation. In accordance with this law, I am formally requesting that you provide me with the necessary validation for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Viking Client Services
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and rented a car from XXXX rental company.. I had/ have no knowledge of this and received a collections bill for XXXX XXXX that I have nothing to do with I already sent over police report of a similar situation that happened to me in XXXX XXXX XXXX I filled identity thief and they found out who it actually was

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, 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:
Identity Theft Report Attached. 

The following fraudulent inquiries are listed below on my Experian credit report. 

Experian Fraudulent Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2023-04-26
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX I am deeply disturbed by how XXXX XXXX, XXXX, and Equifax have violated my rights and continue to do so without care. Who is going to govern them?

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 may make any consumer report containing any of the following items of information or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Once again, American Express advertises {$200.00} off a XXXX XXXX when using your American Express XXXX XXXX and staying at one of their Hotel Collections ( for a minum of 2 nights ). Please see attached. 

I did just that. Using my American Express XXXX XXXX ending in XXXX. I was told by American Express I could use either the business or personal AMEX card. The advertising on their website also states " XXXX XXXX XXXX ''. Nowhere in the ad does it state it must be one or the other.

But in the deceptive and corrupt ( systematic ) way, American Express is now telling me they will not grant the {$200.00} discount. 

What is going with all the deception?? Why is American Express constantly deceiving consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-26
Company: Experian Information Solutions Inc.
State: TN
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:
I have two address on my credit report one in a state I never lived in and one address i never lived at in Florida. I filed a dispute with the Experian Credit Bureau. Experian said the addresses was valid. I asked them to validate this inaccurate information I was told the credit company reported that information so its valid. I told them i didn't even know what the the debt is and nor have I ever lived at the two address. 

I have never visited nor lived in New York. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX I have never lived at XXXX XXXX XXXX XXXX, FL XXXX They Are also reporting different variations of my name and i asked them to correct that as well/

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 2023-04-26
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX I am deeply disturbed by how XXXX XXXX, Experian, and XXXX have violated my rights and continue to do so without care. Who is going to govern them? 

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 may make any consumer report containing any of the following items of information or 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 data is inaccurate. 

I would like {$1000.00} for every violation on my report and for all inaccurate information to be deleted from my consumer report.

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 2023-03-09
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX completed paperwork to close IRA-CD ( {$25000.00} ) at Wells Fargo XXXX XXXX, Oregon with Banker XXXX XXXX XXXX While completing paperwork I was on the phone with a representative from the section managing the account. Paperwork was completed, faxed and verified as received. I was told I would receive a check within a few days and to call back if not received. I called Wells Fargo and did not receive a return call. I was outside of the grace period after a few days and waited for the check. The check did not arrive so I took a different approach. 

XXXX I opened an IRA-CD with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Oregon to receive the money from Wells Fargo because it had still not been sent. My Wells Fargo on line access continued to show the full amount in said account. The First Federal account was activated and all appropriate paperwork was sent to Wells Fargo by XXXX XXXX XXXX XXXX XXXX. 

XXXX I completed a complaint with, and supplied appropriate information to the Federal Reserve. 

XXXX I received a letter from the Federal Reserve stating that CFPB is whom I should file a complaint with. As of today XXXX my XXXX XXXX XXXX XXXX XXXX account continues to show a zero balance, and Wells Fargo continues to show the full amount ( {$25000.00} ) in the account I have been trying to close. 

Wells Fargo is failing to release my funds and I am loosing 3.25 % interest in my new account. Is this a common complaint with them? How can they just ignore multiple attempts to return money to it's rightful owner? 

Thank You XXXX XXXX I have copies of all forms but they contain sensitive information and I will not attach them to an email. I will be glad to supply them as needed via a safe portal or method.

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 2022-10-27
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was short XXXX in my checking account and Truist Bank charged me {$72.00} in overdraft fees. 

On XX/XX/2022, there was a positive balance in my checking account in the amount of {$120.00}. A transaction in the amount of {$46.00} was posted on my account on the same day, and the bank charged me a fee of {$36.00} even though my account still had a positive balance of {$120.00} on XX/XX/XXXX. 

Why did this bank charged me a fee there was a positive amount in my account on XX/XX/XXXX? 

On XX/XX/XXXX, another transaction was posted in the amount of {$38.00}, and another on the same date of {$41.00}. My bank charged an additional fee of {$36.00}. 

The way Truist Bank somehow fixed this so that I would be charged these fees is very concerning regardless that there were funds available in my account on XX/XX/XXXX, to cover the first transaction of {$46.00} I called XXXX XXXX, the branch manager at XXXX XXXX, SC location to inquire about these fees and he told me he was unable to remove them and that he needed to escalate an email to a higher department regarding these fees. 

I get direct deposit of my Social Security retirement and since I have bills that are automatically deducted this is going to cause additional fees because of the {$72.00} that the bank will take from my check.

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 2023-04-26
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, i.e., JEFFERSON CAPITAL SYSTEMS LLC ; Dept. # XXXX ; XXXX XXXX XXXX ; XXXX, AL XXXX been harassing myself about a XXXX XXXX bill from year 2012 that was created by being a victim of identity theft. 

I have contacted them on three occasions mainly via phone to disease and desist from attempting to collect a debt that they do not have any legal standing to collect. I warned them they are in violation of Regulations E ; and Z of the Federal Code of Regulations ; also federal statute under Title 15, USCA.

Company response to consumer: Closed with explanation