BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: MI
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 XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: LA
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 charged overdraft fees which resulted in my account going in the negative by you hundreds of dollars. As a result my account was closed.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unfair charges to my checking account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: CCF Intermediate Holdings LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In Augst of XXXX, I took out a {$900.00} loan with First Virginia Financial Services , LLC located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I began payment on the loan in XX/XX/XXXX. I made payments on the loan and was informed when I was XXXX payments away from payoff that the company was being taken over by new management and the company was now called XXXX XXXX XXXX. I made the payments to this location but was told my account was sold to XXXX XXXX. I called their " corporate '' headquarters to discuss payment of the balance. I was told that my payments were only paying fees and not the actual loan. When I moved from XXXX to XXXX, I went to First Virginia location located at XXXX XXXX and asked for copies of my statements. I was given of the statemnts from that account. I was shocked to see the interest rate and also how many late fees were tagged on even when I paid in store. As of XX/XX/XXXX, I called to see what the status of my account was as I had not received any forwarded statements. I was told by the representative that my account balance was {$1200.00} with no interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a mobile deposit on XX/XX/XXXX through the banking app. The app informed me that my funds would be on hold until XX/XX/XXXX. This is an 8 day hold. {$300.00} was made available but the other {$1200.00} was on hold until XX/XX/XXXX. This was a payroll check from the board of education. These checks were previously on direct deposit, but we changed it from checking to savings causing a pay period to issue a paper check. 
This kind of deposit is my ONLY option as there are no branches or ATM 's within XXXX miles of my home. I have done deposits in this way many times previously and never encountered such a situation. 
I reached out through the website chat feature and attempted on XXXX occasions to ask for the hold to be released. Today, XX/XX/XXXX, I tried yet again and was told that because my account had previously had low balances and insufficient funds, they had to hold my deposit for 8 days. This makes no sense to me because while I have this hold, my scheduled bill pays are returning and I have a low balance despite attempting to deposit money. Further, this has caused incredible financial hardship to my family as we can not pick up necessary medications, put gas in our car, pay our rent, or even get groceries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
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 the Fair Credit Reporting Act 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. also states a consumer reporting agency can not furnish a account withought my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX and XXXX XXXX from 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: NV
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Wells Fargo retirement acct transfer to XXXX in XX/XX/2020. 
I retired at that time and they deducted over {$2000.00}. for the transfer. 
I tried to talk to them and they couldnt support their rationale for such a XXXX  against my retirement monies! 
But I couldnt get them to make it right!! 
Please help since obviously they have practices that are very sketchy! 

Thank you

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 2023-01-19
Company: Home Loan Center, Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Today XXXX I completed a request online with LendingTree to get information on home equity loans. I had 3 representatives from mortgage companies call me. XXXX XXXX from XXXX XXXX XXXX XXXX a Loan Officer NMLS # : XXXX ( XXXX ) XXXX called me and after discussing what I was looking for XXXX wanted to confirm she had the correct social security number for me, I was extremely concerned since I never gave her, her company or LendingTree my social security number. I asked how she had my ss # and she said it was on the form she received from LendingTree. How can LendingTree obtain my social security number without my permission and how are they allowed to share with others without my permission? I have worked hard to build a good credit score and I thought I protected my personal information. I would like them to never be allowed to do this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: TX
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 recieved an alert about a credit inquiry for XXXX XXXX XXXX XXXX I did not authorize this inquiry nor have i called or stepped foot in this location to begin an inquiry. Alerted on XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681a. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681a2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION.

15 U.S.C 1681i5. ALL ABOVE ACCOUNTS HAVE VIOLATED MY RIGHTS, REPORTED INACCURATE INFORMATION, AND THEY ARE TO BE DELETED IMMEDIATELY.

THE ABOVE ACCOUNTS ARE ALSO IN VIOLATION OF 15 U.S.C 1692.

15 U.S.C 1692e8. COMMUNICATING INFORMATION KNOWN TO BE FALSE. DELETE IMMEDIATELY.

THE ABOVE ACCOUNTS ARE ALSO IN VIOLATION OF FCRA Sec 623a3 [ 15 U.S.C 1681a2 ] RESPONSIBILITIES OF FURNISHERS.

THE ABOVE ACCOUNTS ARE ALSO IN VIOLATION OF FDCPA Sec 807 ( 8 ) FALSE OR MISLEADING REPRESENTATIONS.

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 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC Section 602 states I have the right to privacy and these accounts violate my rights.

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 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
how are you l want to remove this collection I never make business with this agency before. ( XXXX XXXX XXXX ) I need they show me proof when i make this purchase if your can help to remove this from my credit report by law they have 14 day for show me proof if not I need to remove this collection from my credit report this a fraud some body take my 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 2023-01-19
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo tried to foreclose on my house at least 2 times when I had them

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 2023-07-23
Company: EQUIFAX, 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: 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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: ProCollect, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
NO/LATE Response to Dispute (XXXX  XXXX XXXX
XXXX
Account Holder: PRCollect Inc.
Account # XXXX
I have submitted a dispute through XXXX through XXXX XXXX XXXX  on XXXX XXXX,
XXXX the document was verified and received on XXXX XXXX XXXX, the estimated completion
date was XXXX XXXX XXXX. The estimated mailing received date was XXXX XXXX XXXX. The
credit bureau used more than the allotted amount of time given to respond. I have also attached
photos of the receipts for the certified mail, as well as a copy of the dispute letter sent to the
bureau. Attached you will also find a photo of my XXXX Identification card.
Under the "Fair Debt Collection Practices Act",
 807. False or misleading representations
A debt collector may not use any false, deceptive, or misleading representation or means in
connection with the collection of any debt. Without limiting the general application of the
foregoing, the following conduct is a violation of this section:
(2) The false representation of --
(A) the character, amount, or legal status of any debt; or
(B) any services rendered or compensation which may be lawfully received by any debt collector
for the collection of a debt.
(11) The failure to disclose in the initial written communication with the consumer and, in
addition, if the initial communication with the consumer is oral, in that initial oral communication,
that the debt collector is attempting to collect a debt and that any information obtained will be
used for that purpose, and the failure to disclose in subsequent communications that the
communication is from a debt collector, except that this paragraph shall not apply to a formal
pleading made in connection with a legal action.
 809. Validation of debts
(a) Notice of debt; contents
Within five days after the initial communication with a consumer in connection with the collection
of any debt, a debt collector shall, unless the following information is contained in the initial
communication or the consumer has paid the debt, send the consumer a written notice
containing --
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;

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 2023-07-30
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: 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. Accounts : XXXX XXXX XXXX Number : XXXX Accounts : XXXX Number : XXXX 15 U.S.C. 1681 section 602 A. States I have privacy 15 U.S.C. 1681 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 that shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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 2023-06-05
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Original Complaint : I made an external transfer to US Bank from XXXX of {$3000.00} on XX/XX/XXXX to a business checking account. It was supposed to arrive on XX/XX/XXXX. US Bank closed my account on XX/XX/XXXX because I made an opening deposit that was rejected due to insufficient funds ( I put in the wrong account information ). This is why I tried to make the secondary {$3000.00} transfer to cover the opening deposit. 

I have contacted US Bank three times regarding this matter and they said it should have been returned since the account was closed. It's been XXXX weeks, no money. On their banking website, the status shows returned. I contacted XXXX twice and they said there is nothing they can do since they haven't gotten the return from US Bank and to contact them. I am tired of being given the runaround and just want my money back. 

-- - This is my second complaint to CFPB. My money is still missing! I got a letter from US Bank that they could not locate a record of the transaction and closed my case. I contacted XXXX again and they told me to contact US Bank again. 

From XXXX : On our end, the transaction was delivered successfully to them. 
It's just that in this case the money went out of XXXX and it's on their end the issue. 

Spray Number : XXXX Transaction Trace Number : XXXX Transaction # : XXXX US BANK TRANSFER TRANSFER Transaction ID : 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 2023-07-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
During the 2020 XXXX XXXX XXXX  was reporting late payments on all three credit bureaus, when it was stated that creditors were not to report late payments due to covid XXXX hardship. I was paying XXXX every XXXX weeks on time not knowing that credit acceptance was still marking me as late. I have XXXX late payments on my account that needs to be removed to help my score increase. my score went down tremendously because of all these late payments that were not suppose to have been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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 USC 1681. 

Account name : 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 explanation