BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-28
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a 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. 15 U.S.C 1681 c. ( 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 the records of convictions of the crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions 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:
The XXXX credit bureaus have continued to allow the reporting of this XXXX XXXX Account to remain even after doing an investigation numerous times. The E-Oscar system is flawed & if this account isnt erased from my credit reports then I will be seeking my financial repair through legal action because an original creditor is not supposed to report a past due balance on a sold account. The bureaus wouldve known that had they done the investigation properly, this account has been reporting on my credit report inaccurate for some years & it needs to be deleted per the FCRA

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 2023-01-10
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have a XXXX card issued by Fidelity ( Elan Financial Services ), and I'm filing a complaint regarding their lack of security procedure to protect their customers. 

On XX/XX/XXXX, after my card transactions were denied, I called their Customer Service line. The agent sent me a text to my cell phone for a 2-step passcode after verifying my other info. After that, I was told by the agent that on the previous day ( XX/XX/XXXX ), someone called in and reported the card was lost. The person requested that new cards be sent to XXXX, XXXX- not the address on my file. Fidelity processed that fraudulent request, cancelled my card, and was in the process of issuing new cards to the fraudulent address. I asked how could Fidelity process such request when I had to go through the XXXX verification. Plus, I never received email notification regarding my card 's cancellation. The agent said that she'll stop sending the new card to the fraudulent address, and re-issue new ones to my home adrress on file. She said the previous call will be reviewed, and gave me a case number. She said I can call the XXXX XXXX. XXXX to follow up. 

On XX/XX/XXXX, I called the Fidelity Visa card Fraud Line, and asked to speak to a manager. Manager XXXX  came online, and said the call recording of the first agent was reviewed, and the agent did nothing wrong because the caller had all my info. I asked how can Fidelity process the fraudulent request when I had to go through the 2-step verification. He responded that the 2-step verification process has been added to my account AFTER I reported the case- which is NOT true because when I called in on XX/XX/XXXX, I had to go through the 2-step process. 

I also asked why Fidelity did not have the security feature to alert account owner regarding card cancellation request, especially new card is to be sent to a different address. He just verified my email address on-file without answering that question. 

I'm filing security complaint against Fidelity Visa for lack of security procedure to protect their customer. 

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 2022-05-29
Company: Convergent Resources, Inc.
State: SC
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 Convergent Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for an purpose.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed 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 2022-05-28
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: Investigation took more than 30 days

Complaint:
I mailed a 609 letter to the company, and they did not respond within reasonable time. Company is not complying with their own policies in a timely manner. They are reporting incorrect information. 

XXXX XXXX XXXX XXXX : Account ending in XXXX {$1100.00}. 
Account ending in XXXX {$2800.00}. 
Account ending in XXXX {$0.00}. 
XXXX XXXX XXXX : Account ending in XXXX {$2300.00}. 
XXXX Originals : Account ending in XXXX {$3000.00}. 
XXXX XXXX XXXX XXXX XXXXXXXX : Account ending in XXXX {$1000.00}. 
XXXX XXXX XXXX : Account ending in XXXX {$420.00}. 
XXXXXXXX XXXX  : Account ending in XXXX {$190.00}. 
XXXX XXXX XXXX XXXX XXXX : Account ending in XXXX {$100.00}. 
XXXX XXXX : Account ending in XXXX {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Vengroff Williams, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company reached out to me for a debt {$1300.00} I dont owe. The arbitration award only awarded the counter party {$4900.00} arbitration costs ( the arbitrator says therefore ) and did not award XXXX XXXX XXXX any costs from claimant. I dont owe Arbitration costs to the XXXX  XXXX XXXX XXXX XXXX and XXXX shall only chase the other party for arbitration costs. Also, the award is currently in court to be vacated with active litigation too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry:01/25/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-13
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please do not mark this as a duplicate complaint as NEW INFORMATION IS BEING PRESENTED to you. I requested validation from LJ ROSS and was sent forged documents. Please see the attached documents that show no indebtedness nor obligation between myself and LJ ROSS. It literally was two pieces of paper with medical codes, no signature showing an agreement between myself and LJ ROSS nor the " original creditor ''. I'm very worried now because I have no idea how they got access to my social security number to place this on my consumer reports. They never marked my account as " disputed '' although I've been disputing this alleged debt over three months now which is a violation of the fair credit reporting act. I am seeking to have this rectified once and for all because this is negatively impacting my name, reputation, and brand. Please investigate this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 did not initiate these inquiries, and I believe they are fraudulent.

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 2022-11-30
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:
In accordance with the fair credit Reporting Act XXXX XXXX  XXXX Account number XXXX has violated my rights. 
15 U.SC 1681 Section602AStates I have the right to privacy.

15 U.S.C 1681 Section 604 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: MIDFIRST BANK
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have a project to purchase a home and I not available to prove due to my file on my previous mortgages show that has balance since the mortgages has been paid in full I need to remove or show that has been paid in full because that wrong information is affected my purchase home. 
Also I have been sent a document to prove on my complaint

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 2022-05-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 Wells Fargo authorized an illegal ATM withdrawal of {$700.00} from my bank account at XXXX XXXX XXXX XXXX MD XXXX, rendering my account balance at {$1700.00}. I didn't leave out my home on XX/XX/2022 to make the transaction. I also don't have an active on-line banking service. It wasn't until I visited the XXXX ATM branch on XX/XX/2022 that I discovered the illegal withdrawal from my account. I visited the on-site banker staff person to report my complaint. The female banker did contact the Wells Fargo customer services department to report and initiate the complaint. The female banker, who was very shallow in her dialogue, exchanged agent query with me, while confirming the withdrawal was transacted at the ATM closest to the front door. The female banker confirmed the claim processed as requested. The claim # is XXXX. My ATM card was closed out and a new ATM card was requested. I did receive the new ATM card via USPS. I later received a response from the Claims Assistance Center ATM/Debit Card Claims XXXX XXXX XXXX XXXX, NC XXXX XXXX the form of a letter, dated XX/XX/2022. The letter stated : We have completed our research of your inquiry about charges of {$700.00} on your account above. Based on the information available to us, and because the transactions were made using your card and Personal Identification Number ( PIN ), we found it was made by you or someone who had your permission. Please consider your claim closed. If you have questions, or would like to take advantage of your right to request copies of available documents we relied upon in making decision, please call us at XXXX. I contacted the claims center on XX/XX/2022 for clarification and advice, but unfortunately the agent just parroted the response letter 's content. I called back a second time on XX/XX/2022 to request the documents used to make their decision to be sent to my home address for future references and proceedings. Nobody 's money is safe, if the bank can just say, " Oh you did it, because someone used your card and PIN ''. I felt vilified for being an apparent identity theft victim. The dispute process was very generic and non-invasive. " I'm the victim of a bank robbery, by a bank ''.

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 2022-05-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have repeatedly attempted to resolve this with Citizens Bank 's customer support system, and they have actively neglected to follow through on any calls I have made about illicit withdrawals from my account. A data breach at Citizens occurred at some time on the XXXX of XXXX, wherein an unapproved verification deposit and subsequent withdrawal of XXXX cents by XXXX was made on my savings account. I discovered this on the XXXX of XXXX and I contacted Citizens to request that a new savings account be created and my funds transferred to it so that my money would be protected. Citizens did not do so, and then later that day on the XXXX, two XXXX dollar withdrawals happened via XXXX. I contacted Citizens again, voicing my concern and distress, and they claimed to have initiated a claim on my behalf, stating that they would contact me in 10 days if the problem had not been resolved. 

10 days later, I had still received zero contact from Citizens Bank, and still no new account had been created to protect my funds. I checked my account to find that ANOTHER two XXXX dollar withdrawals had occurred, and that the previous amounts stolen from my account had still not been returned to me. 

I have been attempting to contact Citizens Bank for the last twelve hours. There is no online system for reporting fraud, so it must be done over the phone- but their phone system frequently hangs up rather than direct you to any human operators. It will often directly hang up the instant you call them, as well. Once I finally reached an agent, the agent hung up on me when I requested to start a new claim to recover the second set of funds stolen from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
i have XXXX closed fraudulent accounts on my credit report. ive tried reaching out to XXXX XXXXXXXX, and XXXX and nothing has been done. this is very frustrating because i am a XXXX XXXX  trying to get personal loans in order to provide for myself during the school year and keep getting denied for everything that i apply for. the XXXX accounts is from XXXX XXXX XXXX for XXXX dollars which was opened XX/XX/XXXX and the only reason that i didnt find out sooner is because my parents ran my credit for me and i just started to look into it. also there is another fraudulent account with synchrony bank paypal credit card which is closed as well for XXXX opened on XX/XX/XXXX of XXXX. I have been trying to resolve these issues for the past 3 weeks and nothing has yet to change. so i went on XXXX and researched for hours and found cfpb hoping that you guys are a legit company and can help me with my ongoing issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance to the Fair Credit Reporting Act the below account has violated my rights for privacy and confidentiality under 15 USC1681 : AMERICOLLECT INC, 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 a account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Global Lending Services LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
Purchased a 2017 XXXX XXXX XXXX with the organization XXXX XXXX located at XXXX XXXX XXXX XXXX XXXXXXXX NJ in XX/XX/202. VIN # XXXX I was provided XXXXXXXX XXXX when the car was sold. A little over 1 yr I was in a minor finder binder when my car was hit by debris ( tire thread ) which caused some minor cosmetic damage to the vehicle. When I took the vehicle to be repaired the auto collision that my insurance provider recommended began to do the repairs they discover additional damage that was not done by my accident on the other side of the vehicle that they considered irresponsible of the dealership to have sold me an unsafe vehicle. The reinforcement bar as well as other structural components of the car which is designed to crush in a specific manner to ensure the occupant is safe in a crash was compromised from the previous impact to the front end. The reputable collision center specialist opinion said that the vehicle would have not been able to sustain another impact in that era. 

" Good morning XXXX, Attached is a copy of the estimate on the additional damage that you authorized us to repair on your vehicle. I looked over the XXXX you sent me and there was nothing about recent front right damages. Your car was involved in two accidents with the original owner, left front and right rear side. It looks like they sold or traded the car in after the second accident. 

Somebody had to have replaced only the front bumper cover in an effort to hide the additional damage to the inner components and right headlamp. I would start with questioning the place where you bought the vehicle. We still have the damaged parts that we replaced. We could put them in your trunk if you like plus we have photos of everything as well. 

Please feel free to call me if you need to. I will be happy to help you in any way I can. 

Sincerely, XXXX XXXX XXXX State Licensed Appraiser # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone # XXXX XXXX Fax # XXXX Shop Hours Monday to Friday, XXXX to XXXX We repair ALL makes & models. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation