BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-03
Company: ADP Inc.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I requested a blank check to give to my landlord. Before the check can be issued the Bank/Wisely requires an authorization code, the amount, who it is being written to and this was done on XX/XX/2023. My XXXX XXXX attempted to cash the {$1000.00} check at XXXX XXXX XXXXXXXX and this was denied. They reached out to me and I requested they try again. Again, this was denied. XXXX XXXX, again, asked me to check with my bank and that now I have a {$120.00} late fee along with an {$40.00} XXXX  fee. I called Wisely XX/XX/XXXX and was directed to a supervisor named XXXX, XXXX advised this was their fault due to the representative when giving the authorization code, failed to enter the last two digits of the check number and is the reason for XXXX XXXX XXXXXXXX denying the check. He stated I would be reimbursed for the fees and my original {$1000.00}, for a total of {$1100.00}. I followed up XX/XX/XXXX and was transferred to a supervisor by the name of XXXX. XXXX advised the checks are for personal use and can ONLY be cashed by the person who owns the account. She also advised the {$160.00} is not their fault. I asked for her Manager, an email address, her last name or a phone number. She would not grant any of the requests and she was the last person I could speak with. I explained to her that I have written multiple checks to my landlord and there was never an issue as well as defeats the purpose of a check. I have included an XXXX statement that shows a check cleared to my landlord XX/XX/XXXX rent check of {$1000.00}. As well as XXXX XXXX of {$1000.00}, and XX/XX/XXXX of {$900.00}. This proves the checks issued are not for the owner, these work as normal checks should. Additionally, attached is the stub from my check that was issued and denied by XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: TRANSUNION INTERMEDIATE 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:
On XX/XX/2024, Victim was not availed the opportunity to submit an online dispute via the Companies listed Dispute resolution center. There is not now, nor has ever been an effective dispute resolution process at XXXX. In order ton file a dispute, a victim must pay a {$26.00} fee to be eligible to file a dispute. 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] I, ( hereinafter referred to as Victim ( See 142 ( b ) ( 7 ) XXXX XXXX XXXX ) Do hereby attest that I am a XXXX XXXX XXXX for purposes of section 605C of the Fair Credit Reporting Act.Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), and shall be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency or person that is subject to enforcement by the Federal Trade Commission pursuant to this subsection, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act. The Federal Trade Com- mission shall have such procedural, investigative, and enforcement powers, including the power to issue procedural rules in enforcing compliance with the requirements imposed under this title and to require the filing of reports, the production of documents, and the appearance of witnesses, as though the applicable terms and conditions of the Federal Trade Commission Act were part of this title. Any person violating any of the provisions of this title shall be subject to the penalties and entitled to the privileges and immunities provided in the Federal Trade Commission Act as though the applicable terms and provisions of such Act are part of this title. State governmental entity. The Bureau proposed treating documentation of a determination that a consumer is a XXXX XXXX XXXX  by a State governmental entity as including documentation created at either the State or local level. The Bureau noted that local law enforcement, as part of a local government, may have documentation of a determination identifying XXXX XXXX XXXX, including, but not limited to, items in a police report.

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 2024-01-14
Company: CCS Financial Services, Inc.
State: SC
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:
According to the Fair Credit Reporting Act, I have the right to ensure that XXXX and XXXX, as consumer reporting agencies, handle my private information fairly and with respect for my privacy. The law, specifically 15 USC 6801, states that financial institutions, including those furnishing information to credit agencies, must have an ongoing obligation to respect customer privacy.

I emphasize that these agencies and the financial institution ( Furnisher of information to credit agencies ) lack my consent to furnish, my information, as stated in 15 USC 1681 section 604 ( a ) ( 2 ). Moreover, they did not inform me of my right to exercise my nondisclosure o
ption, a requirement under 15 USC 6802 ( b ) ( c ). 

I argue that XXXX and XXXX are violating the law by reporting adverse information without my permission, as outlined in 15 USC 1681C ( a ) ( 5 ). Additionally, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) prohibits furnishing inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations.

Pointing to 12 CFR 1016.7, I highlight my right to opt out of their reporting services at any time. In summary, I assert that these entities are not adhering to various legal provisions designed to protect consumer rights regarding privacy and information accuracy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the validity of the debt referenced in the collection notice I received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Balance : {$58000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: GOLDMAN SACHS BANK USA
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to delete the following information in my file. the items i need deleted are listed in the report.I am a victim of idenity theft and did not make the charge. I ask that the item be deleted to correct my credit report.please delete the items as soon as possible.in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to prive and confendentially under 15 U.S.C 1681 accounts stated APPLE CARD-GS BANK USA has violated my rights,15 U.S.C 1681 section 604 A. States i have the right of privacy.15U.S.C1681 C. ( a ) ( 5 ) section states i no consumer reporting angency may make any consumer report containing any of the following items of information any other advertise item of information. other than records of conviction of crime indicates the report be more than 7 years.15US.C 1681 S-2 A person shall not furnish any information relating to a comsumer, to any comsumer reporting agency, if person knows its inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing today because I believe that either XXXX  ( Charter Communications ) or CBE group is trying to extort funds from me. When I cancelled my XXXX  service, I went into the XXXX office in XXXX GA and returned all of my equipment. 
Please refer to attachments in parathesis below. 

On XX/XX/2023, CBE sent me egregiously inflated bills ( " XXXX XXXX XXXX XXXX XXXX  '' ) allegedly balances I owe to XXXX. However, on XX/XX/2023, XXXX had turned over the balance of my Mobile account to a collection agency, called XXXX XXXX and they sent me a request for payment of {$69.00} ( see attached XXXX XXXX XXXX '' ) and I submitted payment that same day ( see Payment to XXXX XXXXXXXX XXXX ). Initially back in early XXXX, I submitted a complaint to the XXXX  against CBE because I was not sure which amounts they were trying to collect from because I had already submitted proof of payment ( above ) of the {$69.00}. Then CBE group then consulted with XXXX about this {$69.00} and then XXXX escalated their invoices to inflated amounts, not owed. I submitted a payment of {$110.00} ( see attached labeled " XXXX payment '' for proof of payment ) and now XXXX is showing I now owe a balance of XXXX in my XXXX  account ( See attached, " how much is due to XXXX .. " ) to verify that I owe a XXXX balance. And the amounts I paid were substantially less than the balances sent to me by CBE group. Additionally, if I owed balances for unreturned equipment, these balances should have been listed in my XXXX  account, but they weren't because I had already personally appeared in the XXXX office in XXXX GA to return this equipment. 
They are LYING and I plan on submitting complaints against XXXX  as well as CBE to Fraud complaint with Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In XXXX of XXXX my membership account w/ fraud alerts for the past 4 years was hacked & hijacked from my access even with paid premium features that were to protect and recover this issue. My account sign-in info was changed to an XXXX email address keeping me from logging in and/or changing password to log in. Someone was applying for auto loans daily for a month causing dramatic drops in credit score, then numerous fraudulent entries started showing up on my report including extra ssi numbers, fraudulent addresses, a list of XXXX aliases when I've only used my real name all my life, fraudulent accounts claiming to be in collections when I've had no collections in my name in over 10 years. Each time I dispute this information, it shows back up on my report a couple of months later. Each time I call in, I'm sent on a " transfer cycle '' where I'm transferred back & forth to several depts for hours, then hung up on. Just to have to call in again, and go through the same treatment with nothing being rectified. My accounts that have been connected to XXXX XXXX were disconnected several times causing my score to plummet again, even while I've been working w/ XXXX other companies reporting timely payments to increase my score faster than usual. I've dropped XXXX points just in the past XXXX weeks and no one can expain this repetitive fraudulent activity to me even with fraud alerts, credit freeze, and I mailed/faxed in the police report at the very start of this ever increasing identity theft.

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 2023-11-30
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have been trying to setup online services for my XXXX account since it was transitioned to Comenity Bank. My previous account was setup on auto pay, and this did not transition to the new company. I have tried since XXXX and am presented with an error on their website " Its not you! Its us. Were experiencing a technical issue. Our team is working to resolve this as soon as possible. Please try again later. '' I have contact Comenity Bank on multiple occasions about this issue and have gone through countless troubleshooting steps with them. During one of my most recent conversations, a supervisor stated that the issue was theirs, and that they would create a ticket with their " back office '' and have it resolved. It has still yet to be resolved. When I call, they continuously tell me that it's an issue on my end, even though the error clearly states that it's on theirs. This causes considerable confusion for a basic consumer. Additionally, when someone calls in and tells you that their online account isn't working, don't recommend online account resolutions. Why would a customer service agent tell me I can update something online when I have JUST explained to them that I can't create an online account? 

This account was reported as delinquent to the credit reporting agencies due to Comenity Bank 's inability to properly assist in creation of an online account. They then refuse to assist in troubleshooting the issue even though the messages clearly state that the issue is theirs, not the consumers. They make it nearly impossible to get account information to send in payments via mail, they won't give you your account number, which they say is required on the check to process the payment... It's truly astonishing that this type of behavior is allowed to happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30
Company: CAINE & WEINER COMPANY, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number : XXXX Dear Collector : I had sent you a request to validate my debt, account number : XXXX on XX/XX/2023. 

According to the Fair Debt Collections Practices Act ( FDCPA ), I have the right to claim a validation of the debt and you are obliged to provide me the relevant documentation. I have received no reply from you, whereas the other credit bureaus have sent their " verified '' document. 

You are now in violation of the FDCPA and subject to a fine of {$1000.00} ( refer to the act for updated value ), which I may collect by filing a claim. I intend to continue with the suit if I don't hear back from you within the coming <10-15> days. 

This might result in a bad mark on your reputation and possibly legal trouble with the FTC and other state and federal agencies.

PLEASE TAKE NOTE OF THIS Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX  to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 
. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2023-11-30
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime blocked access to my account without prior notice and without giving convincing reasons. I sent an email to support and they sent me a list of documentation that I should provide to gain access to the account again. After arranging everything, they say that the analyst will give feedback and this has been going on for 7 days. Then they want me to explain and provide the deposit details that were made to my account, its origin, etc etc etc I found it incoherent, abusive and I feel my privacy has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting 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 several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies, but I was told to dispute with the credit bureaus. I've disputed with the credit bureaus several times, but they have not removed those inquiries. I have not given my authorization for the inquiries, and I do not recognize any of the companies. I have not applied for new credit ( house, car, nor credit card ). Ive asked for them to send me written proof of my signature of authorization, but they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Early Warning Services, LLC
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Early Warning is reporting incorrect and/or inaccurate information about me and my banking information and is full of errors. 
The The Fair Credit Reporting Act ( FCRA ) law for inaccurate reporting states that Inaccurate, incomplete, or unverifiable information must be removed or corrected. Also, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Early Warning is required to report 100 % accurate and correct information of each consumer. My personal information is being reported inaccurately. My banking information and history are being reported by Early Warning inaccurately. I would like my personal information, my banking information and my banking history reported 100 % accurately. Any information that is not accurate, complete, verified and 100 % correct must be removed. 
I also request that any Bank and any inquirer that I did not expressly give written consent to report to Early Warning be REMOVED from my report. Otherwise the written consent with my wet ink signature is here by requested. In case that written consent is not received the account must me removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had sent messages to Nelnet in XXXX through their website twice requesting to change the date of my payment as I already had several bills being automatically deducted from my bank account around the same time. Days and weeks passed with no response. I called on XX/XX/XXXX and after an EXTENSIVE time on hold, was finally able to speak to someone and requested that my due date be changed to the XXXX of the month. At the end of last week, I received my statement in the mail saying that my next payment would automatically be withdrawn on XX/XX/XXXX, which is the original due date I asked to be changed to mid month. I tried to call on Saturday to ask why my date had not been changed as I requested but there are no representatives available on the weekend. I work a full time job and it is very difficult to make calls like this during my work day. This morning around XXXX I called and used the option to receive a call back without losing my place in line. The estimated call back time was 33 minutes. At noon I still had not received a call back so I again tried to call and waited for almost an hour before I had to hang up due to time constraints. When I got home from work this evening, I tried to call yet again around XXXX and have requested a call back. I am doubtful I will get one. I am worried that this automatic debit will cause me to overdraw my bank account because of all the other bills coming out around the same day and I can not get in touch with them to inquire about moving my due date ( which I already did over 3 weeks ago ). It is beyond frustrating to spend this much time waiting on hold or for a call back for something so simple. This company should not be permitted to operate in this manner.

Company response to consumer: Closed with explanation