BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: Early Warning Services, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A bank account was opened in my name without my knowledge. This bank was XXXX XXXX. I assumed their initial notification of a new account with them was a scam or some sort of advertising. Soon after XXXX XXXX  notified me of an account under my name with a negative balance of {$1800.00}. I filed a police report that day ( XXXX XX/XX/2023 ) and it has since been referred to a detective unit. 
The statement shows this was done using Zelle. I do indeed have a Zelle account but with XXXX XXXX and it has seen very little use. I contacted Zelle and XXXX XXXX. XXXX XXXX  XXXX fraud department informed me it was likely that my social security number was used to open an account. Zelle would not divulge any details to me. They informed me I had to contact XXXX Bank, even after I informed them I have never set up an account with XXXX Bank. The account was created by someone else. 
This is currently able to threaten my security clearance process as it proceeds for a new federal position leaving me without employment, or /and it could keep me from procuring housing in the future as the account in question has been referred to XXXX XXXX XXXX XX/XX/2023. 
After this Zelle incident occurred I was informed by the XXXX XXXX  XXXX XXXX department to place an alert on my credit report which I did. I received notification shortly after that a XXXX report was pulled for a XXXX or XXXX affiliate account application ( XXXX XX/XX/2023 ). I was able to quickly call and stop this. I then froze all three credit reports. 
It occurs to me that Zelle in some way had an information breach I was not notified of, leaving me with no ability to defend myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I just received ANOTHER bill for a debt that was paid in full. I have filed TWO previous complaints about this very same bill and yet they keep selling this bill to new debt collectors trying to extort me again. This is the THIRD time I am contacting the CFPB asking for help for this same bill. Please see my prior complaints : # XXXX & # XXXX for reference. A new bill arrived, and they called my cell phone, demanding another {$760.00} for a bill from 2016. I already paid all outstanding bills off completely several years ago. Yet, now another bill for the same amount {$760.00} and the same date as in the last complaint XX/XX/16 appears again! Please see the prior two complaints filed with CFPB for details. Please stop these extortionists from ruining my credit again. They wait a few years and reproduce the same bills with the same dates and the same amounts. The original bill was from XXXX XXXX XXXX XXXX XXXX XXXX and was paid in full years ago. This same bill was sold several times to different debt XXXX and is now with Phoenix Financial Services who purchased this from XXXX XXXX XXXX, the last debt collector who tried to extort me until the CFPB got involved and they voided the bill only to sell it again to another debt collector. I am very grateful for the CFPB and for helping me out in the past. I would be lost and my credit destroyed if it weren't for the CFPB. I've been working hard for years to re-build my credit yet these sharks are out there trying to destroy me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to sell my guitar through XXXX XXXX XXXX on XX/XX/2023 for {$470.00} when I was contacted by a scammer who made an offer to purchase my guitar. They asked me for my Zelle pay information, which I provided and received what looked like a Zelle email stating that the money in the amount of {$870.00} was sent to my account, but couldnt be disbursed because the amount was too large. It asked me to send {$400.00} back so that Zelle couldnt disburse the proper amount into my account. After realizing Id been scammed I immediately contacted my bank which is XXXX and they opened a claim for the scam. On XX/XX/2023 XXXX informed me that Zelle had closed the claim and denied their request for a courtesy refund. Neither Zelle, nor XXXX asked for evidence of the e-mails I received from my scammer or the messages leading up to the scam, despite being told by a specialist that XXXX would provide me with a temporary credit while the investigation was being conducted ( which was received ), as well as being advised to keep screenshots of the exchange with the scammer, because they might be used for the investigation. Neither XXXX, nor Zelle knows how to protect their customers, not how to reimburse them when money is lost due to a lack of security measures which have made these scams such a common occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: GA
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, 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 2023-03-24
Company: CITIBANK, N.A.
State: TN
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:
On XX/XX/2022 I attempted to purchase two ( 2 ) one way tickets from XXXX ( XXXX XXXX ) to XXXX ( XXXX ) airports on XXXX XXXX website for myself and my son to come back home from a long XXXX vacation out West along historic XXXX XXXX I did print from my home computer a confirmation of the tickets purchase, using mty Citicard credit card ( account # XXXX. 

Approximately 3 weeks went by and I had not received my monthly Citicard billing in the U.S. Mail. As you know, the XXXX XXXX XXXX has been experiencing extensive delivery problems for the past year for several reasons. I wanted to make sure my XXXX tickets had been paid for on my Citicard credit card so I called Citicard call center. The male call center employee who took my call told me " No XXXX XXXX, Citicard did NOT pay for those tickets because you do not show a history of periodically purchasing airline tickets on your Ciiticard and the cost was large ( {$730.00} )., therefore our Anti-Fraud software declined to approve that purchase to protect you... we apologize for any inconvenience ''. 

Based on the phone conversation with Citicard call center and relying on that information to be accurate ... on XX/XX/2022 I purchase two ( 2 ) travel tickets from XXXX XXXX using my same Citicard credit car the same passage home from XXXX XXXX. 

It wasn't until XX/XX/XXXX or XXXX that I received on my cell phone ticket reservation and flight information from XXXX XXXX that my tickets were " Active '', and I then realized there was going to most likely be a billing error on my account ( double billing for our one way trip home ). 

I arrive home on Sunday XX/XX/XXXX. I contacted Citicard call center about this problem,, and I have called them several times. They have refused to reverse my charges from XXXX XXXX XXXX, even though we did not travel on XXXX to get back home. 
I have told Citicard Billng Disute supervisors that the billing duplication is not really XXXX 's mistake, but rather Citicard 's because they never notified me by phone that my original purchase with XXXX actually did go through subsequent to my original inquiry. 

I have furnished paper copies of ticket purchase to Citicard two times per their request. There is no additional documentation I can send to them. 

I have tried several times t o get this billing problem resolved by Citicard but they have refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Foursight Holding LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
After contacting Foursight Capital LLC on the XXXX of XXXX in regards too multiple inquiries on my credit report on XX/XX/2022 I informed them there is a total of 9 Inquiries spread out in my XXXX XXXX and XXXX when asked to provide information or application they could not produce nothing yet they could not provide anything about me yet they are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: DE
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 sent out letters to Experian and XXXX here is my tracking number XXXX however the credit bureaus said that they completed the investigation and everything was 100 % accurate. Experian also confirmed they received my letter XX/XX/2023. 

According to 15 U.S.C s 1681a Definitions ; Rules of construction The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general repetition personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information, However such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to How did they complete this investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account has been closed and has been paid in full XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$7300.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$7300.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$3900.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$7300.00} XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: CA
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 U.S.C 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681s-2 ( 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 then records of convictions of crimes which antedates the report by more then 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 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 non-monetary relief
Consumer complaint received 2023-03-25
Company: Certified Credit Reporting, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Certified credit reporting 1 of 3 inquires XX/XX/2023 I did not authorize this company to check my credit please remove my credit report now please no more hard inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C 1681 section 604A. section : 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 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. 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: MO
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:
Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I have not applied for any credit or services associated with these inquiries. The unauthorized inquiries negatively impact my credit score and financial well-being.

Here are the details of the unauthorized hard inquiries : I have not initiated any financial transactions or applications with the aforementioned creditor/company on the date mentioned. Therefore, I request a immediate removal from my credit report.

Enclosed with this letter are copies of supporting documents that demonstrate that I did not initiate these inquiries.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I believe that the inclusion of these unauthorized inquiries violates my rights under the FCRA.

Please consider this letter as a formal dispute under the FCRA. I appreciate your prompt attention to this matter.

Thank you for your cooperation in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: TN
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:
This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00} ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX KY XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX. Account # 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 604 A. section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I ; ve had an account at Navy Federal Credit Union for over 20 years. In XXXX I received a loan for a new car. I was discharged from the XXXX XXXX XXXX in XXXX because it was discovered that I had a XXXX XXXX  XXXX and was given 2 years to live. Due to my condition being pre existing I was not awarded service connection benefits. I became homeless due to no income and lost the automobile. In XXXX NFCU wrote off the loan. My name was changed from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX in XXXX. I fought the CA for my benefits and won in XXXX. I also had XXXX XXXX XXXX in XXXX at XXXX XXXX. The VA refused to perform XXXX stating that I would not survive or it would not help, In an effort to re establish my credit I started another savings account at NFCU under my new name. 3 years ago. I had an automatic deposit of {$100.00} going into my account monthly.. I had an emergency and visited NFCU to make a withdraw from my savings account. I was told I had a XXXX balance because my money was taken out of my account to pay off the car loan that was written off in XXXX. I was never informed of this. I never received any monthly statements regarding the credit unions actions. I never signed any agreement regarding this matter. That was an old account and old debt under my former name. I told the credit union they had no right to take that action. I asked for all past statements on the account and was not given any.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation