BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: Early Warning Services, LLC
State: FL
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 have recently been informed that there is negative information reported by XXXX XXXXXXXX XXXX in the file Early warning service maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a Fraud In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681. I told the Early warning to reinvestigate these accounts : 1. checking account ending in XXXX was charged off on XX/XX/XXXX, 2. checking account ending in XXXX that was charged off XX/XX/XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.Crx 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.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: VA
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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Wells Fargo repossessed my XXXX XXXX XXXX  after payment to make account current was made. I was held responsible for loan payments after repossession was made. This negatively impacted my credit as well as cost me me thousands. Not to mention the major inconvenience. I understand my payment was late but it was made before repossession was to happen. 

Almost a decade later I received a check from Wells Fargo Auto for {$180.00} due to over payment. I spent thousands on the car they took back within 6 months of having it. 

I also received a separate check from Wells Fargo Bank for my account they admitted to wrongful actions for {$150.00}. I never cashed or deposited that check and was a completely separate incident from the auto loan. 

I wasn't the perfect customer and admit I was late on payments. But payments and over drafts were settled. Now after a decade they admit to wrong doing and they send me checks for enough groceries to last a week, when they robbed me for thousands of dollars. 

My issue is because this happened so long ago, I don't have any paper work or account log ins from the incidents. Wells Fargo obviously has admitted to wrongful practices against me twice, having sent XXXX separate checks and letters of apology for their actions. 

I hope further compensation will be provided as I was absolutely cheated then, and feel insulted by their weak attempt to make things right.

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 2019-10-07
Company: Comerica
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Social Security benefit for my mother who has XXXX 's was sent to a prepaid company called Direct Express. They don't have any people to talk to and automated service does not recognize her social security number. I'm allowed to call on her behalf as her Registered payee. I can not get any answers from this company or social security regarding where her benefits payment is. I am a young person who works in finance and can not make sense of this. It seems likely this method of transaction is defrauding many elderly people and this company is likely committing large scale elder abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: VA
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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 2023-02-05
Company: EQUIFAX, INC.
State: MA
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:
On XXXX XXXX XXXX I contacted Equifax_ about the following negative accounts XXXX XXXX ( Date Opened : XXXX Balance : {$2600.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XXXX Balance : {$0.00} ), XXXX ( Date Opened : XXXX  Balance : {$53.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Forster and Garbus sent me certified mail that claims to be a judgement for wage garnishment on a 15 yr old loan. The last payment I made was in 2010 to a different collection agency for the same XXXX debt. This money should be barred according to NYS law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax 's website to freeze credit does not have a button for placing freeze but only have buttons for lifting freeze. See attached file. The same is true for XXXX. I believe they deliberately make the freeze very difficult for consumer to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I was informed through on-line banking that a check I had deposited a few days prior was cleared and the money was now in my account. I acted in good faith on this information, reimbursing the person who wrote the check, because I could no longer get the item to them that they had paid me for. I reimbursed them using XXXX. On XX/XX/2023, I was told that the check was returned and not funded. 

The person who wrote the check and received the XXXX payment is not responding. I would never have sent them money if I didnt trust my banks information that the check was cleared.

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 2022-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
my identity was stolen on or around XX/XX/XXXX, XXXX someone used my capitol one account to buy gift cards then tried to use them to pay account. Someone was using and paying the account and payments were being reversed. Causing me to lose both of my capitol one credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV WROTE ME THAT I OWED THEM ABOUT {$630.00}, I WROTE THEM REQUESTING A VALIDATION LETTER, 30 DAYS PASSED AND THERE WAS NO PAPERWORK EVER SENT OUT. I RECEIVED INFORMATION FROM A COMPANY NAMED RESURGENT CAPITAL SERVICES WROTE ME STATING THAT THEY ARE MANAGING LVNV ACCOUNTS. I SENT A VALIDATION REQUEST AND I STILL HAVE NOT HEARD BACK FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have filled for an investigation with all XXXX credit bureaus to be looked at my credit report for accounts XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. These account were open without my authorization. I have sent a letter about 3 months ago requesting information and received nothing and just sent another letter out on XX/XX/2022 and have still not received. By law the XXXX credit bureau must respond in a reasonable time " 30 days ''. I need to have these accounts taken off my report ASAP as they were not authorized by me to be opened and used. it has affected my credit score with the late payments.

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 2023-07-07
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Ocwen Financial Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ocwen Loan Servicing , LLC and PHH Mortgage reported inaccurate information to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Albert Corporation
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Albert.com  Alber the app in the XXXX  store is a scam app. They take money claiming to help you save money for rainy day funds claiming to help you with financial support. I have tried to contact Albert there is no phone number only email. In XXXX Albert  was taking money from my account without my full knowledge in XXXX when I saw an email about my account I re-downloaded the app and tried to withdraw my money from my account in the app. I no longer have the same bank account but I updated all my details as well as bank information. I was unsuccessful in withdrawing my money. I contacted Albert support with over 50+ emails of me sending proof from the previous bank, my current bank, my ID, and a picture of me holding my ID I sent all of this with videos showing that I was unsuccessful with every way to withdraw funds. I was told to contact them back when I have proof from my bank that I was the owner of the account. I sent them that proof. I waited 10 business days for the letter to get to me. Only to be told that I'm supposed to send my current bank statement not my old one like they ask few emails ago. I have sent them proof of my identity 3 times. The latest hoop I had to jump through was them saying it was because of my name on the account. I am unable to update to government name as they asked. No matter what it's another hoop or waiting for customer service to come up with a way to stall in giving my money. If you check the app store the first XXXX review warns people about the apps as well as XXXX XXXX search Albert scam and I'm not the only one. They take a rainy day fund sometimes without your full knowledge and make it impossible for you to take back your own funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account actually needs to be coded as an XXXX. ( Please see pages 8, 9, and 10 of the attached credit report. ) This account reports a  {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2023-06-24
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, I notified Pentagon Federal Credit Union that for at least two months, unauthorized debits made by XXXX XXXX, XXXX XXXX had been made on my Pencheck plus account ( XXXX ) for at least two months, totaling for those two months at least {$280.00}. This account had been dormant for at least five years, probably longer. At that time, I requested the savings and checking accounts I had with PFCU be closed and all funds returned to me, with the unauthorized debits also returned to me. 
On XX/XX/2023, as no communication from PFCU was forthcoming, I again called. This time I spoke to " XXXX, '' going through the whole complaint again, making sure he saw the two months of unauthorized debits. In the first week of XXXX, having still heard nothing from PFCU, I called again, this time speaking to " XXXX. '' He assured me that two separate checks would be arriving soon, one for the checking account and one for the savings account. In the second week of XXXX, I received a check for {$1200.00}. At about the same time, I received a letter from PFCU listing five of eight unauthorized debits, and three debits that were authorized to a different company. On XX/XX/2023, I again called PFCU to report the missing and incorrect debits, speaking to XXXX. I asked about the second check and an accounting of what had taken place. She assured me that two checks had been mailed on XX/XX/2023. As of this date, no second check has arrived and I have not received an adequate account of what PFCU has done, with no explanation of how XXXX XXXX XXXX got my private information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and 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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: VA
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:
Hippa rights has been compromised XXXX XXXX XXXX and XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have a right of privacy which both company has violated 15 U.S.C 1681 section 604 Section 2 It also states a consumer Agency can not furnish a account without my written permission which has also violated They also said the information has been verified and did not send me procedure of the investigation and binding signature that I had a contract with XXXX XXXX XXXX due to all the violations XXXX XXXX XXXX has violated I'm requesting the accounts be deleted of my XXXX credit report XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$290.00}

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have fallen victim to identity theft, resulting in a violation of my rights as outlined in 15 USC 1681c-2 and 15 USC 1681b . I kindly request the immediate removal of the following account. XXXX ( XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Date of Fraudulent Activity : XX/XX/XXXX UNAUTHORIZED INQUIRES XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX 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 2022-12-30
Company: Incomm Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchase a gift card from a XXXX XXXX store On XX/XX/XXXX. 
I loaded the card XXXX usd. 
I paid with my credit card a total including activation fee of XXXX usd. 
I have been charged on my credit card as it showes on the receipt as well and my credit card bank statement The gift card is not working. And when I called the number on the back of the gift card ( XXXX ) they asked me to send ( to XXXX ) the receipt, back and front pictures of the gift card which I did. After a fee weeks they replied to me saying that they can't help me. I called so.many times and they put me on hold and never get back to me.

Company response to consumer: Closed with explanation