BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: 1st Franklin Financial Corporation
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TN XXXX This company has reported that I have a loan with them that is currently 90 days past due. The loan was issued via a " Live Check '' that was signed and deposited into someones bank account. 

I have not signed any checks or have had the funds deposited into my account. I contacted the company on XX/XX/2023 to explain this. They verified that the social security number that was written on the back of the check as required, did not match mine. They said the only way I could get it removed from my report was to have the person who cashed the check and deposited into their account, come to their office with me and tell them they are the one that signed and cashed the check. 

I also disputed this with XXXX and they said the debt was valid when it is not. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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. 

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 non-monetary relief
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: WA
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. 

Account name : XXXX : Account # : XXXX, All groups XXXX Account name : XXXX Account # 's : XXXX ) XXXX XXXX ) XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX, Original Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
When I filed a dispute with XXXX, they sent me a letter back on XX/XX/2021 stating that they needed additional information from me to verify my loan with them. The loans are closed and should not be on my credit report at all. I included the amounts in the dispute letter to them and my information and it is still on my credit report. They stated that my letter was considered frivolous and irrelevant under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells fargo closed account someone deposited a check into my account i called fraud but instead i was responsible for the overdraft fees and they closed my account without doing a investigation

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Had a fraudulent situation and they closed my account still after finding out I dont have anything to do with the situation and kept my remaining funds.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
in a day like this transitions of XXXX cents and they charged me XXXX dollars for each one I closed my account due to them and they transferred me to ah collection my card was without credit

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 2023-01-21
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 non-monetary relief
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: AR
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:
My Experian, XXXX XXXX and XXXX credit reports reflect XXXX different reported fraudulent information. 

Experian is reporting incorrect credit card balances with XXXX XXXX and XXXX XXXX. 

XXXX is reporting fraudulent accounts : XXXX XXXX XXXX Account that is fraud, I have the incarceration documents. 

XXXX is reporting fraudulent Student Loans that are reappearing on my credit report. 

XXXX is reporting a XXXX XXXX account with a wrong balance, XXXX have not responded to my dispute in over 45 days. 

XXXX XXXX is reporting fraudulent accounts and refused to correct and remove fraudulent inquiries to non account holding inquiries. 

Ive checked all three reports through Experian XXXX service and noticed all the fraudulent inconsistencies with each report. 

These Bureaus have incorrect information and errors on multiple reports.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2022 my checking account was over drafted in the amount of {$180.00}. This amount, with the exception of about {$7.00} I think, was solely overdraft fees for insufficient funds. I tried to reach out to Wells Fargo to ask why so many fees had been charged when I only went into the negative by that aforementioned {$7.00} and they advised that every transaction that occurs when my account is over drafted receives a {$35.00} fee. I advised them I only had 1 or 2 transactions occur while overdrafted and they listed multiple others that had actually posted prior to my account being overdrafted and should not have received a fee. I closed my account and switched to a different bank after this happened.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Came upon hardship to make payments. Sent what I could and vehicle repossessed. Vehicle was sold and they came after me with what they thought the value of vehicle. Was unable to pay it and it went to credit bureau which damaged my credit.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had to open a checking account to convert Euros to Dollars, I was given a very poor exchange rate which amounted to a loss/cost of approximately {$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 2023-06-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is my first bank account and I lost my job, i also lost my card due to my moving process. Overdraft fees was put onto my account that i didnt know of, also a fraudulent check was put onto my account which I had absolutely no clue of. I was getting paid monday so i can pay my overdrafts and i was informed by a representative that my account is in the process of shutting down. How do i reverse this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job in XXXX, just after the stock market crashed in XXXX. I tried multiple times to get the payment lowered before I was FORCED to sell my house. Each time I ran into " you don't meet the requirements for refinancing ". I was told that that my account and in good standing, yet I was refused refinancing. Wells Fargo must have records of my calls as there many. This is how Wells Fargo treats it's customers! I had to sell my house to keep from losing it!!! 

If further information is needed please contact me.

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 2023-01-21
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:
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 U.S.C 1681 Accounts # 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. 
15 U.S.C 1681s-2 A a person shall not furnish Any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/2023 When calling the XXXX customer service, my credit report is not available to me online and the password reset option does not save the last password I've entered. I was asked for my social security number and they used it to apply for a car loan. The credit reporting service did not assist me in logging in properly, there is no acess online for disputing the added information to my credit report and they have added collections which interfere with my housing. It is causing a XXXX situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: FIRST HORIZON BANK
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I deposited {$3.00} into my First Horizon checkings account, then on XX/XX/XXXX I deposited {$100.00}. Both deposits were cash and were deposited using the branches ATM. On XX/XX/XXXX I transferred {$100.00} to my XXXX XXXXXXXX checkings account using XXXX. On XX/XX/XXXX it was posted I deposited {$100.00} which meant I had {$100.00} total in my account. I check my account a few days later since I was planning on depositing more cash and it showed I had a - {$35.00} balance due to an overdraft fee. I then check my posted transactions and see it says I deposited the {$100.00} on XX/XX/XXXX instead of XX/XX/XXXX. This is the reason I was charged the fee since the system claims I put my account into a - {$100.00} balance before depositing the {$100.00}. This isnt true, I transferred the money AFTER depositing the {$100.00} which was posted for the XXXX at the time of transfer. The thing that really gets me is you can not put your account into a negative balance by transfer money with XXXX, the amount youre transferring has to be posted as your active balance for the transfer to go through. I have used my First Horizons checking for nearly a year as a way to deposit cash and have never had a issue until now. I spoke to someone at the branch and they made multiple different excuses throughout our interaction as to how its my fault I received the fee or how there was a error made on XXXX end. Never admitting First Horizon is at fault and made the error. In the end they said they can not refund me the fee and I feel I need to seek further advice and assistance for this issue. The attached images below show my posted transactions for my account along with pictures showing I went to first horizon on the XXXX but never did on the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: NC
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:
While checking my Experian consumer report, I notice unauthorized and fraudulent credit inquires made by the following companies ... Block and remove all Inquires listed below resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c- ( 2 ) which states that these inquires must be removed within 4 Business Days of receipt. I have also mailed out a FTC report to Experian. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE SUBMITTED CERTIFIED MAIL TO THE CREDITORS ASKING THEM TO REMOVE UNAUTHORIZED INQUIRIES DUE TO ID THEFT I EVEN SUBMITTED A POLICE REPORT TO NO AVAIL

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 2023-01-14
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:
USAA locked my bank account, moving forward with closing the account and not letting me open a new one. On XX/XX/2023 got an online job offer supposedly from a company call XXXX. On XX/XX/2023 interview was done through app XXXX by someone named XXXX XXXX. They offered XXXX equipment, where they FedEx a check for {$4500.00}, told me to be deposited and keep {$300.00} as signing bonus. I proceed to deposit the check. Later they stated that it was their fault and the IT seller need it more money, another check was provided for {$4900.00} and to keep {$200.00}. Later they sent me 2 FedEx tracking numbers which it was valid but later on on the FedEx site it was pending. They say in the meantime to work as a XXXX XXXX XXXX  by depositing multiple checks daily, the checks had a bank account from XXXX XXXX XXXX which is a legit construction company. The checks was instructed to utilize an specific ATM with access to a transfer system call XXXX that pulls the money from your bank account once the check is deposited. The total of the checks deposited was : {$17000.00}. Per USAA the checks bounced leaving my account in negative which I didn't get a chance to see and/or barely got an explanation USAA believing that I scam the bank. My bank account was wiped drained of close to {$2500.00}. USAA gave me no chance to dispute or explained what happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C Systems Inc has been kicked off my credit multiple times and continue to ruin my credit saying I owe for a old modem for XXXX, they have been continuing to herass me and and ruin my credit for something I have never had!

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 2023-01-14
Company: EQUIFAX, INC.
State: VA
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:
Equifax has gone over and beyond to lock access to my Equifax ID, XXXX  against me several times & while I am in a security freeze is failing to take accountability for their bad dispute/reporting procedures

Company response to consumer: Closed with explanation