BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
15 usc 1692 ( d ) ( 2 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX , XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX  are ruining my reputation by reporting negative info 15 usc 1692 ( g ) ( a ) suppose to send specific information within 5 days never did. 15 usc 1692 ( d ) ( 1 ) and 15 usc 1692 ( c ) I am demanding cease communication this is a cease and desist and dept validation 15 usc 1692 ( g ), 15 usc 1692 ( d ) all companies are harassing me.15 usc 1681 ( i ) all accounts are inaccurate delete accounts

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 2023-11-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wells fargo, keeps changing " agents '' as soon as one agent finds out the truth, and starts settling with me, Wells Fargo management " changes the agent, " delaying '' the settlement '', year after year. Is there any regulation, that requires a bank to show a, signed and true copy of any " cure notice '', that the customer " received '' before any property was taken. WELLS FARGO has " failed to show any notice " ( now the new agent ) ( can't find any record ) ... ... ... ....

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 2021-09-08
Company: CITIBANK, N.A.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a TV from a retailer, but when I opened the TV it was broken. The retailer was not willing to take back the TV. 

While in the store, I called Citi on XX/XX/XXXX and told them that I intended to leave the TV at the store if they could assure me I would get my money back. 

Their customer service rep assured me twice that I would receive a full refund, so I felt confident leaving the TV at the store without documentation. I stayed on the phone for confirmation that I would get my money back through email. It took a very long time so I told the associate I would look out for the email and if it was not received, I would call again the next day. 

The next day ( XX/XX/XXXX ), I called back because I did not receive an email. The second associate I spoke to told me they could not issue an email but that it was highly likely I would get a full refund, so I should not worry. 

Based on these communications, I did not get any further documentation and left my TV at the store. 

On XX/XX/XXXX, my dispute was denied for lack of documentation. This is very distressing and unfair because i would told explicitly that I would get my money back. I was clear about leaving the store without the TV and confirmed twice they would credit my money. 

A Citi agent felt this was unfair and confirmed my recollection of these events ( by reviewing the call history ) and plainly said that if he could have, he would have issued me a full refund. But he was not authorized to do so. Citi was only willing to issue me a courtesy credit of {$100.00}. 

Citi should take responsibility for their customer service department. Because of their misinformation, I have no TV and no recourse. I have lost more than a XXXX dollars and neither Best Buy nor Citi are taking responsibility.

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 2023-01-26
Company: HW Holding, 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:
This company uses collection tactics that harm consumers on a monthly basis. Not only do they fail to use standard procedures as outlined by the law regarding notification requirements. It's much worse ... Every month this company increases the amount owed on a debt they reported 5 years ago as charged off. The debt keeps growing even though I've never had an account with Hunter Warfield. The effect of this is that every month, my credit score goes down a few points. This is a tactic that harms consumers monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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.

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 2019-11-26
Company: RIA FINANCIAL
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2019, I went to my local Walmart to pick-up a money-wire of {$750.00}. The counter person confirmed the funds was ordered by sender, however, the store police was restricted to {$500.00}. Their advertising indicated that at the appropriate fee, which I assumed the sender paid, was funds available at any WALMART store. No restrictions in their advertisement or anything. " Money available at any WALMART store in the US & Puerto Rico. Thats what it said.The CFM and/or Field Manager, a XXXX, agree thats what their advertisment says, but they do not have to honor it. He wanted to escort me out the store.I called their money-wire servicing company and they said due to " forgery '' claims at the zipcode location, they were restricted to {$500.00}. He mentiond I could get {$500.00} that day and {$250.00} the next, but the store manager said they can not. Thats hard to believe because another store offered it. So now I learned that I stay in a high-crime forgery area.Also, XXXX advised their policy is not to disclose where you can get your money, I have to call around to see who is unrestricted. The second store I called was restricted as well, but I eventually found one within 3 miles. Living in a metropolitan area where traffic is fercious, 3 miles is like driving 20.I get to that store, all is fine, except a stupid question by the clerk was that if I knew the name of the sender and if I know the sender personally. I had heard enough to know this is very bad on all fronts.In closing, I needed the money and it took a long-time for the sender to send me those funds. Calling the sender back and having to redo it in portions was not an option, especially when the sender paid the fee.I was humilated by their policy, trashing my community, when their written fee service in plain english that said any store for pick up is clearly indicated. I'm glad that it was not a life & death situation, but I can see this happening and things can go real bad pretty quickly.Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Collection Management Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Amount per credit report {$2200.00} -COLLECTION MANAGEMENT - I have never heard of this company nor have I ever done business with them. I have not received anything in the mail in regard to this allege debt and have no knowledge of it. I received an alert that there was a change to credit and this account was placed on my report with my knowledge nor consent. I am very aware of that before any accounts can be placed on my report it has to be investigated and this account was not investigated by neither the credit reporting agency nor the debt buyer. I sent a debt validation letter to COLLECTION MANAGEMENT and have not heard anything back this far. I am requesting that false account be removed immediately. Furthermore, this is violation of my rights to privacy, accuracy and my XXXX. I have NEVER signed or received any documents from this company stating that they were going to furnish negative information to my consumer report as it is written that before anything that would negatively. I have never given this company my non public information nor have I done business with this company. I have requested that this allege unfair practicing company by the name of COLLECTION MANAGEMENT provide me the original purchase agreement, my certified written consent and disclosures they have on file their license number so I can confirm there company is legally able to collect in my state and this company has refused to respond to my request. I need this account removed from my account and for all lines of communication to cease and desist at this very moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: SC
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:
There is an XXXX XXXX XXXX bill that keeps showing up on my credit report. it was open in 2016 the account number is XXXX. I've done numerous dispute letter, and they refuse to reply. please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03
Company: Comerica
State: SC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I discovered fraudulent charges on my direct express card with the following dates and amounts charged : XX/XX/2020 for XXXX dollar, XX/XX/2020 for XXXX, and XX/XX/2020 for XXXX. I never authorized these charges from XXXX XXXX. I filed the necessary fraud questionnaire to dispute the charges Direct express denied the claims due to conflicting information. I s asked them to email me the documents that showed the conflicting information and they sent the statements showing the charges, a copy of the fraud questionnaire I filled out, and a copy of their denial. No explanation or proof of any conflicting information. There is no reason they shouldn't return my funds that were fraudulently charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: RENASANT CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Renasant bank Misrepresented to a major credit reporting agency ( XXXX ) on at least three separate dates including XX/XX/2019, XX/XX/2019, and XX/XX/2019, that account number XXXX is a true and accurate account that belongs to me. The representation that XXXX is an account that I have contractual agreement is false. I have neither signed nor authorized my signature for any such contract bearing the account number XXXX. I have advised XXXX and all other credit reporting agencies that this account is fraudulent and related accounts were a result of identity theft. Your company has never provided any contract nor can provide any contract bearing this account number but have represented to the XXXX that one does exist. This is an act of fraud on the part of renasant bank and repeated false verifications of account number XXXX as an account initiated and authorized by me is false. This is also a collection attempt on a fraudulent account for your company in which I have no relationship with. 
Prior to this bank sending these false verifications and updates I have mailed letters demanding all original copies of any paperwork bearing the account numberXXXX be provided along with other information about this fraudulent account be provided as well as action to be taken in accordance to 15 U.S.C. 1681 et seq / fcra section 609 et seq. These requests were  mailed via usps on XX/XX/2019 XX/XX/2019 and XX/XX/2019 to XXXX XXXX XXXX in XXXX Mississippi ; Renasant bank has not responded and has refused to comply. Updated information has been provided with this report I can also provide information regarding previous mailings.

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 2023-01-26
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Made a purchase using my Citi bank card on XX/XX/2022 in the amount of {$440.00}. The merchandise was never received. I submitted a dispute online on XX/XX/2022. Further submitted a dispute form requested by Citi bank on XX/XX/2022 that the merchandise was never received. 

Received a letter today ( XX/XX/2022 ) stating the dispute is unsuccessful and the charge and interest will be re-applied to my account. 

I am being billed for merchandise never received.

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 2019-02-11
Company: JPMORGAN CHASE & CO.
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We have attempted to resolve a billing dispute with Chase and Chase is not protecting me as the consumer under the Fair Credit Billing Act for a lack of service provided by an entity called XXXX XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$8300.00}, charged on XX/XX/XXXX. This has been under active dispute with Chase since XX/XX/XXXX after we had problems with the merchant providing contracted services. Chase is sending me letters informing me they are unable to asssit, claiming I did not provide documentaion, which is absolutely NOT true as I responded multiple times via their secure messaging and fax. Additionally, they claim to have called me three times yet I never once received a voicemail from them and on much of my correspondance I provided my personal cell phone number asking to be contacted. I have tried to work with Chase executive offices and they continue to distort the truth about my responsiveness and their resolution procedures. 

Here is what happened with XXXX XXXX XXXX XXXX XXXX : We hired this company to broker our coast to coast move. They advertise that they are a moving broker for vetted, # 1 Rated, top moving companies. I can provide all the pictures and documentation but we did not get paired with a moving company. We received home depot parking lot day laborers without any experience moving at all. WE encountered tons of broken items due to their lack of experience. Additionally, one of the workers was a convicted felon, the other drinking alcohol on the job and the third so hungover he vomited all over my backyard. We did not sign off on our bill of lading inventory because we have over 50 boxes which are unaccounted for. The problems with this unethical and fraudulent business are all documented in my 20 page dispute submitted to Chase but essentially they are not a legitimate business and are frauduently doing business as a " moving broker ''. I expected Chase to protect the $ XXXX of my $ XXXX total bill by consumer protection and have been let down by their lack of quality review of disputes, their horrible resolution process and their delays, lack of communication, which they then falsely claim is the consumers fault for not responding. I can happily provide you my claim documetnation and pictures and the FOUR executive office letters I have now sent to Chase to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2022-04-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
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:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against FIFTH THIRD BANK for committing identity theft. I have never given FIFTH THIRD BANK any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from FIFTH THIRD BANK before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If FIFTH THIRD BANK can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 
The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ).

The continued reporting of this inaccurate information is a clear violation of15 U.S. Code 1681s-2of your responsibilities as a furnish ofinformation & 15 U.S. Code 1681e ( b ).

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until FIFTH THIRD BANK can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and FIFTH THIRD BANKcontinues its collection efforts, I will file for litigation for actual damages caused and FIFTH THIRD BANK will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: DE
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:
In accordance with the Fair Credit Reporting act 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

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 2023-01-16
Company: EQUIFAX, INC.
State: IL
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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Consolidated Information Services Solutions, LLC
State: OH
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written author ization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation