BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Money was transferred from my checkling account unauthorized to unkown party via XXXX  payments. 3 different transactions were made in which I had no knowledge of who these payments were sent to. I do not have a XXXX  account or access to one. I also do no live in the state where they state the money transfers came from. The bank has not provided any information regarding what device these paymments were made on. I also have tried to resove this with the bankning instituion as I have been a loyal customer with no issues for 15 plus years. I had no reason to overdraft my own account and jeopordize my funds being deposited and charging additional finacial burdens on me. I am very disapointed because I feel like they did not investigate to ensure that there was no way I could have made the tranfers. I live in Ohio and the tranfers were completed and done in a completely different state. The bank never called to ask me what devices I own. I really need the money that was taken from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company had contacted me several times from multiple phone numbers and continues to call me after blocking those numbers and asking the company to cease telephone calls. Balance has been disputed several times with all credit bureaus due to inability to provide verification of debt, as well as an itemized breakdown of charges. The collection has been removed from XXXX, but not XXXX  or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I bank with Wells Fargo, and i have tried to move money into my savings account, since it had been in overdraft. I moved {$7.00} on XX/XX/XXXX to make the account positive. Their terms say that as long as i move a {$1.00} into the account, it should not be charged the monthly fee. However, on XX/XX/XXXX i was subsequently charged the monthly fee of {$5.00} even though i had a positive balance present in the account. 
I had previously had asked the baking rep in store last month about switching account types and said that i don't qualify for any of the current ones that they have available, stating that i would need at least $ XXXX to have an account type with no fees or minimums, which is a lie since i previously had an account that had no fees charged to me, but conveniently, Wells Fargo, doesn't want to offer that package to me, even though i had been with them since XXXX and a loyal member. 
This is just another sad example of how Wells Fargo got caught Scamming many of the loyal, valued customers. 

I also contacted Wells Fargo banking on that same XX/XX/XXXX date to help recall and charge back previous transactions that i had previously dealt with the named companies indivually, to no avail. I told them that i had tried to directly ask for the money back and no refund from the companies were give to me, which lead me to filing the dispute. 
I find this resolution completely unacceptable by Wells Fargo, since they would previously do this for me in previous years or any customer they hold a value of at least $ XXXX because they're the rich people and they bend down to the rich people without hesitation.

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 2021-07-27
Company: Conn's, 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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against Conn 's located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conn 's has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/2019 I had let my son use my XXXX so he could use my Gas Credit Card that was attached to my XXXX XXXX! Well he accidentally used my Chase debit card in my XXXX XXXX  wallet. So needless to say all night he was filling up small engines with gas ( Generators, Gas Cans, Etc.. ) well in the morning he comes home and I than realized he used the wrong account not every time but enough to overdraft my account by a couple hundred dollars! I immediately called the bank to let them know and aware of what happened, they seemed to understand and I asked if they could help me with the NSF fees as my account was almost negative {$500.00} dollars and my XXXX check is only {$480.00} every 14 days so the guy said Yes we will waive any and all fees that appear on the account from these transactions. So, I was relieved for that up until my check goes in direct deposit and I still had those fees on my account so I called and talked on the phone for 1.3 hours and transferred minimum of ten times and was lied to at the end just to get me off the phone is what I got from it and still no fees taking off. I called again 35 minutes and got told cant do anything I reached maximum fee reversal allotted!?! What!?!? So than called later and than they told me I had to cancel my dispute I had from prior to all this just so the guy can move forward with assisting me and than was told I would get 2 reversed ( So obviously I didnt hit maximum, so theres one lie I caught them in ) and so I said fine whatever I wont eat for two weeks than. Well hang up and it has been 25 in a half hours and that credit of two fees still not applied and called and was told it takes 7 to 10 business days before it will reflect on my account!! Are you serious but before it was instant, Another Lie!! Needless to say Highway Robbery and Bad Business

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a victim of identity theft and I am writing to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please have Transunion remove this information at the earliest possible time. 

The fraudulent account appearing on my credit report is XXXX. 

I only ever opened two accounts in my lifetime and those are XXXXXXXX XXXX and XXXX XXXX card, whatever else showing on my Credit file is not mine and is direct result of Identity Theft. 

XXXX and XXXX removed the fraudulent above account but Transunion failed to do so and did not even respond to my inquiry. 

Transunion is in clear violation of 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i and section 605B of the Fair Credit Reporting Act.

I have attached the Police Report and proof of my identity to this inquiry.

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 2021-07-27
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter in regards to incorrect and unverifiable things on my credit report. Right up 'til the present time more than 60 days after the fact I have not gotten a response yet, I feel as if I'm being exploited and that my questions are being avoided. I demand these accounts be deleted immediately or I will file for litigation as a result of the XXXX  you have caused me. My data was additionally affected by the Equifax data breach and It's possible that the incorrect person got their hands on it. Please Help to resolve the matter. Sadly this is going on 4 months, please resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When not that my account is close do to the withdraws make it started in the spring of 2020 to XXXX with maybe one or two things here or there then in XXXX they made some big purchases that cleaned my life saving and I was in debt for almost {$1000.00} the store that they shopped at XXXX online was able to cut them off at a point. I didn't know where to go to besides bit my bank I tried to file a report with them but in the end they just thought that did it to myself and just wanted to make them give me money. No one that I spoke to even suggested another option that I could turn to so I just had to have debt companies call me non stop for $ $ $ I didn't have for months I saw that my PayPal account was hacked a few months ago. Not really sure if anything can be done now but just decided to file a report anyway.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: NY
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account : Child Support Enforcement # XXXX, Account : Child Support Enforcement # XXXX, Account : XXXX  XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX Bank XXXX XXXX, Account 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 2021-07-27
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: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: AR
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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: SC
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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: NV
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 accounts, addresses and inquiries listed on my credit report that are not mine.

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 2023-04-07
Company: Block, Inc.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am reaching out to get assistance with receiving the money in my daughters CashApp account. We created a cash app account for her, and deposited {$30.00}, with myself as the parent account granting me access to her account, and transaction history. Shortly after, she broke her phone, causing us to lose access to the phone number on said account. When reaching out to cash app for assistance, I was instructed to create a new account for her and request a money transfer from her old account to her new one. After creating a new account for her, I was then informed we would not be granted a transfer of the funds due to " undisclosed security issues ' ''. I have confirmed my information, as well as hers multiple times, and am not being informed as to what the " security '' issue is. I feel as if my daughter is being scammed, or taken advantage of. I have reached out multiple time, spoken with representatives, and supervisors only to be refused the money that is rightfully hers. I am filing a complaint here before seeking assistance in small claims court because no matter the amount, it is my daughters money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Ive reached out to XXXX  and Ive informed them that I had 53 inquiries that I did not authorize or recognize and they still would not remove the inquiries I also have a credit repair person that has been sending out letters with no response

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 2020-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Dept of Economic Security in AZ seized my funds from my B of A Debit Card and then closed my account illegally. These were my legally paid UI Benefits which were deposited onto a debit card in my name. This is a private account. I was not given notice of this forthcoming transaction, nor told anything about it by the agency or credit card company. 
I discovered the information through a posting on XXXX! I had my account ZEORED out after having this account for almost 2 months! Regaining the funds has taken me 10 days of calls, emails, letters, tweets, XXXX posts, complaints, and sleepless anxiety stricken nights. B of A and D. E. S caused undue hardship towards myself and thousands of others. We have been left to fend for ourselves as the phone lines & emails remain a revolving door of prescribed letters and robot answering systems. They must be held accountable and publicly apologize and compensate those of us damaged by their willfully dismissive actions. Dept. of Econ Sec in Arizona needs to fire management!

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 2022-11-03
Company: Experian Information Solutions Inc.
State: MI
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 understand that I had promised to pay XXXX {$10000.00}. I was paying on this for 10 years and 7 months faithfully. I was attending XXXX XXXX through XXXX XXXX who was doing money laundering schemes and tricked many of us students into paying such high fees, which this link shows hard evidence XXXX XXXX XXXX XXXX XXXXXXXX ) however, also, I read over the contract during a complete forensic evidence procedure, and I found that the contract has a few defects, and they may be in violation of ( U.S. Title 18 1001 ), where it states whoever in any matter within the jurisdiction of the executive, legislative, judicial branch of Government of the United States, knowingly and willfully falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; makes any material false, fictional, or fraudulent statement or entry shall be fined under this title or imprisoned not more than 5 years. I want to get this taken care of. It is not my intention to not pay anything. I want to get this settled, so If they can kindly get back to me within 10 days with a fixed copy of the contract and a copy of their account ledger, where I can see clearly the GAP according to The Fair Debt Collection Practice Act. That would be great! I also noticed that I'm the only XXXXne who signed the supposed contract ; there is no other signature, which is also a violation of UCC Section 3-401- Where there is no signature the contract is void. So, again, i'll accept their presentment if they can get me what I asked for above within 10 days. If not, they agree the terms of the supposed contract is void. But If they get back to me with the information i asked, they agree I'll settle the matter with a promissory note. Without 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 explanation