BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: OH
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, 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
Consumer complaint received 2021-08-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello Sir / Ma'am, Please be advised that this is my SECOND attempt, seeking your assistance in this matter. I sent you certified mail back on XX/XX/XXXX regarding no correspondence from the credit bureaus dealing with a complaint about accounts that haven't been verified. I simply requested that the bureaus show proof that the debt belonged to me. All 3 bureaus had already exceeded the 30 day allotted period when I reached out to your company on XX/XX/XXXX. On XX/XX/XXXX, I received a response from Equifax and XXXX  stating that the debt had been verified. The response letters from 2 of the bureaus, which I will upload were dated : Equifax XX/XX/2021 XXXX  : XX/XX/2021 XXXX  : No response as of the date of this writing As previously stated the date of XX/XX/XXXX was in excess of the 30 day mandate by at least a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: M&T BANK CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My husband got gas on XX/XX/XXXX at a local XXXX gas station. The charge was for {$29.00}. A several days later we noticed our bank account was much lower than it should be. Upon investigation our charge for gas showed up on XX/XX/XXXX, but then XXXX other charges showed up at the same gas station for : - {$85.00} on XX/XX/XXXX - {$43.00} on XX/XX/XXXX - {$85.00} on XX/XX/XXXX - {$79.00} on XX/XX/XXXX - {$85.00} on XX/XX/XXXX This totaled {$370.00}! I am assuming that someone skimmed the card. I don't understand how or why they charged it at the same gas station -- unless there was an error at the gas station. 

My husband immediately called M & T Bank and reported the unauthorized charges. They gave us the money back temporarily and cancelled the bank card and issued my husband a new card. After a couple weeks, the money disappeared from our account and we got a letter saying that M & T Bank denied our claim because our PIN number was used. 

We did NOT give our PIN number out our make these charges! I read that people use a camera to catch your PIN. I find it hard to believe the bank does not know this. Also, I am still concerned -- what if the gas station had a glitch? 

My husband called and was told that we would be sent a form to appeal the decision. My husband also went to the bank personally and they put notes in our account. But, we never received the letter to appeal. 

My husband then called the bank today, XXXX, and was told that the fraud department closed the claim and will not reopen it! I was pretty angry and called. They told me the claim was reopened on XX/XX/XXXX and they are still investigating it. 

We are hearing constantly different things and are getting the run around. I have no proof they are investigating this fraud and it appears that they will not protect us. I am very upset. I called XXXX and the police and both told me that the bank is who we were supposed to call, which we did do.

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 monetary relief
Consumer complaint received 2022-07-25
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to buy concert tickets on XXXX, and I found someone by the name of XXXX. Through direct messages on XXXX, XXXX showed proof of owning XXXX tickets. We agreed on {$250.00} per ticket, and I wired her yesterday ( Sunday, XX/XX/2022 ) {$500.00} using Zelle. After wiring the money, XXXX requested another {$170.00} to cover XXXX XXXX XXXX purchasing fee. I told XXXX that I would not wire the {$170.00} until she sent me the tickets. XXXX refused, so we agreed that I would send {$100.00}, XXXX would transfer the tickets to me, then I would pay the remaining {$75.00}. After sending XXXX {$100.00}, she continued to refuse to transfer the tickets. I then messaged her the next day ( Monday, XX/XX/2022 ) and asked her to return the {$600.00} I had sent through Zelle, to which she did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Financial Accounts Service Team 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:
Approximately two weeks ago on XX/XX/2021 I contacted Financial Account Services Team regarding a collection account with a balance of {$220.00} listed on my credit report. Utilizing the rules of the FCRA I asked the agency to provide proof that they were legally allowed to report this account to the credit bureaus at my expense and that they owned this alleged debt. I also asked for validation of the account a signed contract between myself and their agency or a signed contract between myself and the original creditor XXXX XXXX as I do not have knowledge of this account. Neither items were furnished to me. Although I disagree with the validity of the said account Ive tried on numerous occasions to reach an agreement with Financial Account Services Team. I tried speaking to several different representatives to no avail about settling the account and have the information removed from my credit report, each agent refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: The Phoenix Recovery Group
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Phoenix Recovery group is trying to collect a debt I do not owe them I don't know what this is about but I need some answers immediately they are trying to garnish my wages from my check and I'm going to send documents because they have the wrong person thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Over a year ago I got a loan for a hearing aids with XXXX XXXX with the addendum stating if I pay in a year will be no interest. I authorized XXXX to withdraw more money monthly to pay off before the year was over however I noticed that this company were withdrawn {$2.00} to {$4.00} daily which was not the agreement, I was getting worry about this XXXX XXXX  and XX/XX/XXXX I paid it off, I have a print out prooven my statement. I called XXXX XXXX several times to be sure everything was ok. The company closed my account after I paid off the debt. Last night I saw my account with this company open again and demanding more money to be pay in XX/XX/XXXX. 
Looking at XXXX 's reviews for this XXXXXXXX XXXX Hearing XXXX I saw just terrible reviews with the same issues as mine. How a company like this is open screwing everyone? Please help I am not rich I am a health employee helping people all the time and I can't give my working money away.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 went to my XXXX XXXX to get an auto loan. They advised they have partnerships with local car dealerships and we can go directly there and apply. When we got there we told the Salesman we wanted a loan through our XXXX XXXX and that's why we came to them. We found the car we wanted to purchase, completed the application, and got the loan through XXXX XXXX XXXX XXXX. When I got denied for credit and pulled my credit report I found inquiries for almost a dozen other companies that were never authorized. I also have inquiries from other days that I do not recognize. I have disputed these numerous times with no results. 


Unauthorized Inquiries : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX ( duplicate, listed twice ), XXXX ( duplicate, listed twice ), XXXX, XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: RI
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:
On XX/XX/XXXX, I received an email from XXXX claiming that a new account was recently opened in my name at XXXX. I never opened that account nor did I authorize anyone to open it in my name. I immediately looked up then contacted the company, which turned out to be XXXX XXXX XXXX XXXX. Their outgoing phone message claimed that they never handle fraud disputes by phone and gave an email address to contact them with these matters. I immediately emailed them on XX/XX/XXXX by email using their directions. Days passed and I still hadnt heard back from them. On XX/XX/XXXX I started a dispute against the fraudulent account through the XXXX website. A day later XXXX emailed me back to tell me that they did not agree with my dispute and the account indeed belongs to me. Then I tried submitting a dispute with Equifax, and again, a day later Equifax told me that the account truly belonged to me. I am at a dead end. The company, XXXX or XXXX XXXX, never returned my email after 7 days of waiting. There seems to be nothing I can do at this point and Ive turned to CFPB to help resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
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:
My social security number isn't showing up on my credit report. Mine ends in XXXX. 
XXXX that ends in XXXX shows up. 
Bank loans, auto loans, mortgage loan, property in XXXX XXXX CA, a name XXXX XXXX, my ex Sister in law, a XXXX  XXXX I can't even access it because I can't answer the questions

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 2022-07-07
Company: ADP Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On XX/XX/22 I went to the atm at XXXX bank on XXXX XXXX XXXX XXXX. I made a transaction to withdraw XXXX XXXX dollars from a Wisely prepaid debit card account. The ATM machine asked if I wanted a receipt, I declined and it began to make the " noise '' of the transaction and showed on the screen " the robots are working hard to get your money '' then a clunking sound and the screen showed " printing your receipt ''. The receipt showed " incomplete transaction '' and no money was given to me. I assumed the machine did not have enough money or something and drove away. Later I noticed the money had been debited from my Wisely account. I contacted the bank and they said even though they knew the machine had gone down at precisely the time of my transaction,XXXX XXXX, and acknowledged that they had over an amount of XXXX XXXX dollars, I would need to dispute with Wisely and once they had connected with them they would be able to correct the error with me. I contacted Wisely to place a dispute on XX/XX/22, they then mailed me a dispute form to fill out, which I have completed, then emailed as well as mailed it in. 
Nothing has been done despite my multiple calls to Wisely and XXXX. XXXX told me that by law they only had ten days in which to return the money to my account. I called Wisely on XX/XX/22 and they said they would escalate the process for me and to call back in one to two business days. I called back and the person I spoke with this time said there was no such thing as escalating the process and said they had until XX/XX/XXXX and nothing had been done at this time. XXXX promised they would try their best to do something about getting my money returned as soon as possible because I am their customer. They said they would call me back to let me know, however, I have heard nothing. Ultimately though no fault of my own, because their machine broke, I am out XXXX XXXX dollars! How is this right in any way?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I received an email that my PayPal account had inconsistent activity with their user agreement and I am no longer able to use PayPal services. I have checked my activity. I have gone through the payments Ive made with PayPal account and dont see anything thats against their guidelines. I mainly use it to make payments on my bills. My bank card and bank account are directly linked. I did have my card replaced because of fraudulent charges but that was with my bank directly not PayPal. I tried to contact them and I dont think the person I spoke to even pulled up my account just said I could dispute their decision, did not say what was the reason besides inconsistent activity and I could find that information on the user guidelines, which again do not state anything that I did. Very vague guidelines not explaining why I was permanently suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-17
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan was consolidated without my permission by either XXXX or Fedloan in XXXX after I had paid on the loan since XXXX. I was told by Fedloan that they were taking my loan over and they would put me on an income-driven repayment plan that would forgive any remaining debt in year seven after they took the plan over. I was told this was at the Department of Education 's direction, and I did not file an application or ask for this. I only found out speaking with XXXX, who says the loan was sent to them as a consolidated loan, that the loan had been consolidated. I called XXXX XXXX ( Fedloans contact at XXXX ) and spoke with XXXX on XX/XX/XXXX. I was told they do not have any contract or recorded phone call to prove I made the consolidation. He recommended I file a fraud complaint with Studentaid.gov. I have made three complaints related to this loan, and they closed them all in a couple of days without investigating them. Fedloan or XXXX submitted fraudulent applications which have my typed name on them and concocted information about my address and references. No one seems to know which company did the consolidation for certain, and I can not find a lender on either of the applications, but XXXX XXXX XXXX is listed as the loan to consolidate, which makes no sense because the loan was consolidated at the inception, and I had paid off the separate loans so there was not more than one loan to consolidate. XXXX or Fedloan committed fraud, and no one I have spoken to has helped to resolve the matter. I have also paid over $ XXXX on a $ XXXX loan and still owe over $ XXXX due to the deceitful tactics of XXXX, who first held the loan, and Fedloan, who took the loan over from them. I have attached all of the documents I have related to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-05-08
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear CFPB ...     I am addressing to you my problem because i am sure you are treating the clients in most fair and competent way : well here is my concern ... And i want to say right upfront the reason why i address the problem just now in  XXXX  because citibank kept promising me for numerous time to fix the issu e ( mo nth by month ) but all their words were worthless.   I had a promotional offer to open gold checking account by  XXXX   XXXX   XXXX  with the promotional code which i included upon the process of opening account for receiving  XXXX  THANK YOU POINTS. And i followed all the requirements while i was opening account and within the next couple months as it was stated at the offer summary. But after waiting for several months i realized that i was missing my bonus. And i started calling citibank and told them i did not get the incentive. Well ... each time they said a different story :  1. 'it takes a little more time to reward you '', 2. " we are going to do a dispute '', 3. '' we  can not find the code which you entered. " ... and other other fake stories. I even have the chat with pictures where the agent confirms that i followed all the rules within the exact timeframe.   Then i started reading some feedback online from all other clients of CITIBANK with the similar issues and there were so many complaints about the same problem .... And that is why i made up my mind to look for the truth at another place by contacting you. And i feel so frustrated for all the time when i waited for the resolution and had to pay a monthly service fee of  XXXX  $ because i thought i needed to keep account opened so someone could resolve this situation prior to account being closed. So obviously I wasted a lot of money.   And today i am really begging you to help me in resolving this issue and provide me the incentive which i was qualified for so i can cover at least those expenses lost for the need of keeping account.   THANKS in advance for your help and please let me know if you need any other details.

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 2017-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
O n  XX/XX/16  I made  out a Check to  XXXX   XXXX , which he never received. However, on   XX/XX/16   , so meone went to Bank of America and cashed this check without an endorsement.   XXXX   XXXX  , who is my bank should have never accepted this check back from Bank of America without an endorsement and now they will not give me my {$800.00} back. They advise me that Bank of America is doing a fraud search. That should not be my problem. They do n't care because they are not out {$800.00}. I should be given my money back plus interest. It is now  4 m onths and they have no intentions of doing that. What are my rights? How can they get away with that?

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