BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
We have tried calling US bank, meeting with a bank employee, paying a separate company to help us get some of the overdraft fees back, and nothing has worked. We have switched from overdraft protection to not wanting the protection, but do not understand why we keep getting charged. They dont explain anything in a way we can understand. We are a family of XXXX and have been hit with over {$3000.00} in fees within the past year or so and it has really put us in a bind. Its like we will never be able to recover from this.

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 2022-07-06
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: TN
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 XXXX account # xxxxxxxxxxxx XXXX, XXXX XXXX  XXXX account # xxxxxx XXXX, XXXX  account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX account # xxxxxxxx XXXX, XXXX XXXX XXXX account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX account # xxxxx XXXX, have 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 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 2019-01-10
Company: Coast to Coast Financial Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have applied for a mortgage loan with the XXXX XXXX XXXX XXXX XXXX and they are requesting that a collection item on my credit report for {$280.00} reported by Coast to Coast XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX be disputed/resolved before I can close on my loan. I attempted to access my credit reports through XXXX. I was able to access the XXXX  and XXXX   sites but I could not access the XXXX site. The fraudulent item was not on the two sites that I could access so it must be on the XXXX  site. I have attempted to access their site with no luck. The phone number on the site only allows you to order the report through the mail which I have done but it can take up to 15 days to receive and not sure how I will be able to dispute the item if I can not access online? They are reporting fraudulent activity on me and I can not access their site to resolve this issue. This is holding up my mortgage loan and I am reporting XXXX   and Coast to Coast to the CFPB to have this fraudulent item removed from my credit report and be able to close on my mortgage loan.

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 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
Notice inquires on my credit report that should NOT be there from unknown source.

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 2022-07-06
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and the letter I submitted to the Credit Bureaus on XX/XX/XXXX, was my third written request to block and remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove and block any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. Remove the Following accounts as they were never authorized and were opened due to Identity Theft : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ; XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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:
Again, I was a victim of identity theft and the letter I submitted to the Credit Bureaus on XX/XX/XXXX, was my third written request to block and remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove and block any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. Remove the Following accounts as they were never authorized and were opened due to Identity Theft : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ; XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2017-08-21
Company: EQUIFAX, INC.
State: TX
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 have discovered that XXXX XXXX XXXX XXXX has inserted items on my credit reports that were the result of fraud. I have repeatedly spoken to XXXX XXXX Reps concerning this and I am told that it is being looked into. However, My credit reports have suffered greatly as a result. I have asked them to remove these items that were on my credit with all three credit agencies and they have not. I have submitted copies of my theft report to the XXXX XXXX credit company and also to the credit agencies to no avail. I DO NOT own a XXXX XXXX and I never have. This is the result of someone opening accounts in my name. I furthermore received notice that A motorcycle was being held at the local dealership for me to pick up, but I do not have a XXXX. I have spoken to XXXX XXXX and they refuse to pick the motorcycle up and this further damages my credit because this is not mine and they have not removed it. Various inquiries were made in my name and asked to be removed because they were made in my name under false pretenses : XXXX XXXX ( XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX/ ; XX/XX/XXXX ) XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX ; XXXX - XX/XX/XXXXNot mine and should be deleted. Name I contacted Equifax about this via email and over the phone months ago. Equifax continues to simply say its been verified. I then mailed hard copies of my ID Theft report along with my police report copies, and even ID theft report and ALL required documents such as my Social security card info, passport, utility bill copy and drivers license. Equifax continues to either ignore or stall my request. XXXX  and XXXX  looked at the same info that was sent and removed the unlawful reporting status on my reports. Equifax has not done anything but ignore my request. It does not take months to investigate disputes when i have sent all necessary documents in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21
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: Their investigation did not fix an error on your report

Complaint:
In correspondence dated XXXX XXXX, 2017, I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either. Furthermore, I sent them another dispute letter ( see attached ) last XX/XX/XXXX listed the item I have been disputing. According to the NATIONAL CONSUMER ASSISTANCE PROGRAM, there should be a citation of the consumer 's SSN and DOB on these items. This is not the case, making these items unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: National Commercial Services, Inc
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Subject was contacted on XXXX/XXXX/XXXX around XXXX XXXX  company advised Subject that he owed the amount for XXXX. Subject advised he was recording the call and the company rep decided she would try to verbally attack subject by means that are prohibited by state and federal laws. Subject told company he is not paying anything and they decided to press an issues of suspending subjects driving privileges. Subject makes it known to us and subjects local police department that the Federal Bureau of Investigation and Federal trades commission, Subject States on Record that company is trying all means to collect debt and insurance company also told him that the company being used is ( National Commercial Services ) to collect debt. Subject States call between him and XXXX the floor manager was recorded. Subject statement and report was reported to the Federal Bureau of Investigation and report was taken due to company being under the Federal Bureau of Investigation Criminal Activity Watch System. Subject states that the insurance company is XXXX XXXX XXXX of Ohio. all legal information was recorded to the local police department to Chief XXXX of the XXXX Ohio Police Department and to Federal agent XXXX XXXX. Be advised that Federal Bureau of Investigation has identified the said collection agency as fraud and for the subject not to engage in any contact. and if any further actions is taken or calls are received to contact the Federal Bureau of Investigation and Federal Trades Commission. At this time the Federal Bureau of Investigation and Federal Trades Commission is aware of the issue and fraud and is conducting an investigation and if any legal actions is taken they will handle it in full.

Recordings have been summited to the FBI CFPB FTC Subject is required to forward this CFPB and Federal Bureau of Investigation Report, and the Federal Trades Commission to com-pany 's involved.- Subject states the number listed for NCS is XXXX Contact information for the Federal Bureau of Investigation XXXX Federal Trades Commission XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen is acting in bad faith and with gross negligence in connection with a financial matter. At issue is Ocwen 's demand through their shell company XXXX XXXX of an illegal demand for contribution in a short sale. CA law forbids junior lien holders from requiring contributions to do a short sale and worse Ocwen has a guideline of only paying 8 % for junior lien holders. In this case Ocwen is the junior lien holder. If Ocwen only pays 8 % to junior lien holders per their guideline then they should most certainly be happy to receive 8 % which is what 1st lien holder is paying Ocwen. Ocwen must accept the offer amount being paid due to 1. CA law forbiding contributions to junior lien holders and 2. Because their guidelines pay junior lien holder 8 % so demanding almost 25 % is not only ridiculous and against ethical business practices and their own stand business practices. Ocwen very well knows no junior lien holders on short sale receive 25 % pay off. Payoffs to junior lien holders in short sales are maxed at 10 % varying by lender. Ocwen only pays 8 % they can accept 8 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: NC
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:
I have submitted dispute letters THREE times within the dates of XXXX of 2021 to XXXX of 2021. I have not received any notifications nor have there been any changes made to my report. THIS IS VERY FRUSTRATING.

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 2022-07-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am disputing XXXX transactions due to transaction errors trying to withdraw from ATM machines however I never was dispersed the money but my account was taking away from my whole dollar amount without me receiving the funds from the machine the bank has me on some fraud program that messed up my whole account where my card was declined at some points and was accepted at others and then I would have to call and say that was me trying to get the money and they wouldn't make me do it for the last XXXX transactions and now when they authorize all those I was no longer at the ATM machines it says it was authorized one day and then posted another business day. I use the same ATM machines and the one time that I did get the money it was posted and authorized on the same day. Please see attached.

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 2017-08-21
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on XX/XX/2017 XXXX XXXX extension XXXX called to say we entered an agreement for payment of {$620.00} from XXXX XXXX. I replied telling him that the company has been debiting money from my checking account for the amount owed, XXXX continued to speak and tell me that I am lying and that I am changing my story, I attempted to explain to him what was happening and he continued to talk over me. At this point I raised my voice to try to catch his attention, which he did not stop talking or let me talk other than accuse me of being negligent and ignorant. I let him know I will be talking to his supervisor at which point he said they will be submitting the lawsuit for the debt because I am not working with them and am refusing to comply. I then hung up because he continued to threaten me. Following a letter about the phone call that was not accurate was sent to my email. At this point I have submitted a voice mail complaint to his supervisor & refuse to pay for this debt until the communication between their company and XXXX has been resolved and I refuse to deal with this man. I would also like to complain about multiple harassing phone calls daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: DigniFi
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:
Dignifi is reporting fraudulent accounts to the credit bureaus. These accounts arise from identity theft. My information has been compromised in the XXXX data breaches. Dignifi is also reporting late payments. I am being harassed by text, phone calls and emails about payments due that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was originally contacted by a gentleman in XXXX claiming I owed a payday loan that was opened in XXXX. I explained to the person who went by the name " XXXX '' I have never had a payday loan and this had to be fraud. He stated he was going to take me to court and have me arrested I ended the conversation and researched the company he claimed to be from. What I discovered was other victims reporting that this man and his company were a scam company making up payday loan debts to get people to pay. On XXXX I received a alert from XXXX  that I had a collection from a company named DRS ( Debt Recovery Solutions ) with the phone number XXXX I called the number several times with no success, the number went straight to voicemail with the same gettleman I spoke to years ago, but this time he is going by a different name " XXXX XXXX '', not " XXXX ''. I disputed the account as fraud, and the account was removed immediately from my report. On XXXX I received a notification my report was flagged again for a collection with XXXX, from the same company DRS but with a different phone number. I called XXXX  and disputed this account as fraud, and I made a police report, and pressed charges. I also called the company, and gave them the police report number, and name of the officer, and I let them know I was pressing charges, and that the account they have is fraudulent. The account is not even in my name, the account is using my first name, with a different last name, and my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: ALLY FINANCIAL INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Have been an Ally Bank customer for nine years, with checking and savings accounts in good standing. 

-- - XX/XX/2022 : Received a postal letter from Ally, " RE : XXXX Notice of Account Closure '' dated XX/XX/2022, which states that my accounts will be closed " on or about XX/XX/2022. '' No reason given, other than referring me to the Deposit Agreement. There is nothing in the agreement other than they can close any account at any time for any reason. 

-- - This sudden closure gives me only 5 days to change banks and transfer my funds. Note that their first class postal letter arrived EIGHT DAYS after they wrote it. If they had simply used their secure email messaging service, I would have had ample time to comply. 

-- - XX/XX/2022 : I sent Ally a message via their website, requesting the reason for closure and pointing out the lack of sufficient time to change my bank. I pointed out that I had read the Deposit Agreement but was unable to find any more information about this closure. 

-- - XX/XX/2022 : I applied to XXXX XXXX  to open a new account, and await their review of my application. 

-- - XX/XX/2022 : Via my XXXX account, I requested a cash transfer amounting to the total funds remaining in my Ally account. Such transfers have never been an issue, although it can take a few days for the funds to clear. 

-- - XX/XX/2022 : Ally replied, but offered no explanation for the closure and simply referred me back to the Deposit Agreement ( I had already explained that I had read it ).

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 2019-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Major Security Breach .... Capital One! 

Lost of any trust and belief in COs ability to control access and release of my personal information.

Company response to consumer: Closed with explanation