BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting 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 a response from Comenity Bank XXXX regarding CFPB Complaint # XXXX their letter appears under this complaint thread. 
They mention they committed no FRAUD when they violated my right to privacy when they failed to give me NOTICE that I have a right to opt out or opt into credit reporting and proceeded to illegally transport my NON PUBLIC PERSONAL INFORMATION without my consent or some form of instructions from me. They are using the word FRAUD to describe the situation. They seem to ignore the fact that my dispute is based solely upon their reporting this tradeline in the first place without giving me NOTICE or getting my permission, and now they refuse to remove the charge off information that they report The letter is dated XX/XX/2023. I suggest they read Title 15 USC 6802 The Gramm Leach Billey Act that they KNOW or should have KNOWN that they are violating and that their letter is proof that they do not care about the privacy of federally protected consumers like myself. 
This is a violation of my privacy and they failed to in anyway address the fact that I am disputing because they are the source reporting this charge off because I received no notice regarding my right to opt out or opt into credit reporting and gave them no PERMISSION to report this alledged tradeline in the first place. I plead with the CFPB to investigate your company if you don't remove this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: IL
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:
The personal information listed is incorrect. The employment information is incorrect. The previous addresses listed are incorrect. 

Please remove all previous addresses listed on the credit report as it is a violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
XX/XX/2022 I made a call to my XXXX XXXX debit card call center ( XXXX their phone number is XXXX, is a card issued by XXXX bank. ) at XXXX, I was assisted by a guy named XXXX and the call took 34 minutes, I called here because I was trying to send some money to my sister a couple times so she can take out and it didn't let me it was saying to call to the call center, and I couldn't cash it because I didn't have my card so I told him I didn't have the card right now so he literally deactivated my card and now that my card is deactivated my account is active, he didn't ask for approve to do this, i told him about my situation, there's a hurricane coming to Florida and I need to send this money to my sister for personal important reasons, and he literally deactivated it now I can't do nothing, I don't know what to do, he told me I could choose between 2 options, or go get a replacement to my work 's office ( which is closed right now because of the hurricane ) or ship it and it would take from 5 to 14 days, but none of those options would work for me, and I told him that, so he just didn't want to solve the problem, I just needed that money right now and now I can't do nothing literally. Then after the call ended I told him I wanted to take the survey and I don't know why but it wouldn't let me, it said something like " surveys are not available right now '' but I wouldn't doubt he did that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: WELLS FARGO & COMPANY
State: NM
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 XXXX XXXX I bank with Wells Fargo out of XXXX New Mexico. I recevied a check from XXXX XXXX on Monday XX/XX/2019. I called the company that the check came from and they advised me it was a good check. i then called the bank the check was written off of. The banker advised me that it was an open account, I deposited the check on XX/XX/2019 into the atm at Wells Fargo. When the atm printed out the recite it said the founds would be aviable on XX/XX/XXXX XXXX I called Wells Fargo XXXX, The amount was not avalible in my account. The transaction had been processed tho. i talked to a representitive they told me the money was posted and then withdrew from my account because there was a stop payment on it. They told me there was nothing they could help me do about this stop payment. i could contact the maker of the check. 
I was in a class action lawsuit. When I recieved the 1099 Settlement check the teller at Wells Fargo asked me how much was the check for. I told her thats what i am trying to find out. They would not deposite the check into my account until i found out how much the 1099 settlement check was for. i contacted my attorney and spoke with the parilegal. I was advised to get ahold of the Defendent in my class action lawsuit. I advise the parilegal that would be conflict of intrest, The Paralegal said well i will call the Defendets lawyer. When i had called my attorneys office back i talk to the paralegal and i was advised to go ahead and deposite the check, i went to the atm on XX/XX/2019 because the bank had already closed for the day. when the atm read the check it was for XXXX i recieved the recite from the atm. The recite said deposit will be avalible on XX/XX/2019. When i checked my online banking it said the amount had been posted and then the bank took it out of my account. i called the XXXX number multipule times to find out what was going on about this check, I was question about the amount about this check, i would tell the representitive that this was from a class action lawsuit and it is confidental. i told them that i had documentation from the courts and my attorney about how much the check was for. They told me they did not want to see the documentation, My account now has been closed because of both of these transactions. I believe that Wells Fargo did not make my funds availible for me when the recite said i would have money avalible to me. There is more information about my account i can proved you with. If you need any documentation let me know and i will send them to you email or by mail. 
My contact information : XXXX XXXX XXXX XXXX XXXX XXXX New Mexico XXXX ( XXXX ) XXXX XXXX Thank You 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 2023-08-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been a victim of fraud several times in the last XXXX  years due to having to handle financial business over the internet and security breaches. As if being victimized isn't enough of a burden, USAA compounds the issue by mishandling the disputes, taking money they shouldn't then restricting my accounts when I complain so then I can't even access my money. USAA has taken back provisional credits in huge amounts for disputes they didn't even do the investigation and just assumed it wasn't fraud while finding the fraud dispute in my favor for charges related to the same event for the same company then refuses to reinvestigate the case. Meanwhile they restrict my account and debit cards stating fraudulent activity so I can't even access or transfer my money out of my account, pay bills, or even use my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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:
Equifax unlawfully created a new credit file on me, showing no credit history and thus a low FICO score, causing my existing credit accounts ( personal and business ) to have interest rates increased and lines of credit ( LOC ) decreased. Much financial harm was caused during the time it took Equifax to find my lost file. Now I address new concerns, as follows. 

I have been disputing unrecognized inquiries into my perfect credit history for a couple of years and have been denied every dispute, without being provided actual proof of the validity of each and every inquiry. They simply verify it with a third-party company and say it has been verified, often within minutes of filing an actual dispute. 

Below are the inquiries which I do not recognize and most certainly did not authorize by these creditors. No new accounts ever resulted from the inquiries. I am a past victim of identity theft many years ago. 

XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX My personal address on file are : XXXX XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ( Office ) My Date of birth is : XX/XX/XXXX Name : XXXX XXXX XXXX Last Four of SSN : XXXX These inquiries are causing me to be denied credit for no other reason than excessive inquiries, which drastically affect my FICO score and affect the rates I pay on personal and business credit. 

Please have these inquiries immediately removed from my credit file. Thank you in advance for your understanding and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: EQUIFAX, 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 has 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Amsher Collection Services, Inc.
State: CA
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:
AmSher Collection Services appears on my expiring credit report and is reporting inaccurate information about me. I have sent dispute letters to the credit bureaus and am requesting that AmSher produce a copy of the original contract to prove that a debt is owed. Simply producing monthly statements does not establish any sort of obligation. I am requesting that the CFPB investigate this matter further. I am represented by an attorney, no lawsuits have been filed. Please contact XXXX XXXX XXXX Esq. ( XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I asked to have credit company, validate the debt and provide the instrument used to validate the alleged debt. Reappeared once removed and violated 15 U.S Code 1681n.This account is inaccurate please delete XXXX XXXX XXXX- Account- XXXX balance- {$720.00} I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

This is inaccurate and needs to be deleted immediately as its a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-16
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This a waste of time and a frivolous attempt to collect an UNVALLIDATED debt that I don't owe Covergent Outsourcing. 


This is the account numbers Listed in there Letter Client Account # XXXX Convergent Account # 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 2023-03-31
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited a check from my home owners insurance and was told by the bank teller that it would be a 7 day hold. After the 2nd hold day, I received an email and letter stating that the check needed another endorsement from my mortgage company. I went to the bank spoke with the teller, she refused to give me the check so I called the insurance company to cancel the check. The insurance company stated that they could not cancel because the check had already been cashed. The bank then said they would place a 14 day hold, then a 30 day hold. On XX/XX/XXXX, the teller from the bank informed me that the funds were returned to the insurance company. After calling the insurance company to check on the funds several times, we recognized that the funds were never returned. On XX/XX/XXXX, the insurance company submitted an affidavit to recover the funds from the bank. On XX/XX/XXXX, the bank placed the funds in my account and I began to use the funds for my home repairs. Then, on XX/XX/XXXX they removed the funds. I called to ask why, and they don't give me an answer. One customer service rep stated that the funds could not be verified.

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 2023-07-31
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:
I am writing to provide an affidavit in fact letter regarding my credit report with your agency. I have reviewed my credit report and found fraudulent unauthorized inquiries on my consumer report. 


The fraudulent unauthorized inquiries are as follows : 1. Inquiry Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge and belief. I didnt provide written permission in pursuant of 15 USC 1681c-2. Block of information resulting from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-08
Company: COMMERCE BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I've been unable reach the bank after being on hold for over 30 minutes and there is no indication how to close the account online.

I tried to close the account based on my previous complaint but was unable to then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
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:
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report so I feel like I am being take advantaged of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
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 confidentially 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 XXXXXXXX, has violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contact this company to find out that they are reporting against my credit for a check cashed with them from a company that Ive never worked for. Ive never cashed a check with them. They are still reporting against my credit and I want them to stop because it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

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

Company response to consumer: In progress
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 and transunion have refused to properly investigate I the consumers credit file regarding a collection that has been effecting my financial life, XXXX has deleted the inaccuracy but the other two CRAs haven't. 

The debt collection agency ( XXXX XXXX XXXX ) has failed to validate the debt after I requested a validation via mail certified, which is a violation of 15 U.S. Code 1692g - Validation of debts. being so such information shouldn't be furnished in the first place 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