BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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:
On XX/XX/2022 I sent out a letter along with my driver 's license and utility bill as proof of identity/ address to Experian here is my tracking number XXXX. The letter was to remove any personal information I do not want on my consumer report. Not only did Experian not remove the information requested they completely ignored my dispute. 

Experian is in violation of FCRA 15 USC 1681i ( a ) ( 1 ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency as disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Experian is in violation of FCRA 15 USC 1681 ( a ) ( 2 ) ( a ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 


Experian is in violation of FCRA 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I did not give Experian written instructions to furnish the disputed information on my consumer report. 


According to FCRA 15 USC 1681 ( a ) ( 4 ) Congressional findings and statement of purpose, I as the consumer have a right to privacy. 

Experian is in clear violation of my federally protected rights.

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 2023-05-04
Company: OPTUM BANK, INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an XXXX account with Optum Bank, which was offered through my employer. I separated from my employer late XXXX and had upcoming medical procedures to be completed, so I needed the funds. I called Optum to cancel the XXXX investment portion in mutual funds and spoke with their representative. The rep said she put the order in and their back office would work on it over the next week. I waited a week and nothing happened, so I called back. The next representative said that I had to liquidate the mutual funds myself online and walked me through the process. The funds were liquidated and transferred back to my XXXX account after another week of waiting. Then, the funds were automatically transferred back to the mutual funds, invested, and Optum Bank charged me fees. The prior representative never informed me that the funds would be transferred back, nor advised if I needed to do anything further regarding the auto transfer process. I was clear with Optum that I needed the funds for a medical procedure and that I no longer wanted the investment account. Yet their system still transferred the funds back, churning my money so they can charge fees. This is an extremely deceitful and deceptive practice. I am requesting that all fees be refunded and my assets be fully restored to their original balance as of the time of my original request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX XXXXXXXX, XXXX XXXXXXXX : XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX XXXX, Has violated my rights. 
15 U.SC 1681 SECTION 602 A states I have the right to privacy 15 U.S.cC 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 1691c. ( 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 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 non-monetary relief
Consumer complaint received 2022-12-21
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been dealing with a case of ID theft which I had reported to XXXX, the FTC and to the parties where credit cards were attempted to be taken out in my name, as well as bank accounts set up under my name.

2 were in successful in being ratified by the same company ( Truist ). One being in XXXX for a bank account/CC being issued to an unknown party and recently a short-term, unsecured loan of {$7500.00} on XX/XX/XXXX. I only knew about this because their debt collection department called me on XXXX to ask where my payment was which I was of course ignorant of knowing about. They have been extremely inept in dealing with both case and find it alarming that they allowed 2 cases to slip through their defenses especially with knowing that I already had a dispute with the previous case. Furthermore, I'm not even a Truist client I closed my accounts with them in XXXX I filed a police report in the county where the infraction took place and am waiting for a a police report to be created so I can submit it to the fraud department to help close my case ( at the request of Truist ).

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 2018-01-13
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, 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:
Equifax refuses to follow through with a dispute regarding a XXXX year old account that has n't had any new reporting on since XX/XX/XXXX. When I told them that even the Equifax website says regarding Fair Credit Reporting that " Negative accounts that are 7yrs old ( or bankruptcies older than 10yrs old ) are to be removed. '' Equifax argued with me that the 7yrs begins with the 1st negative remark. No where does it say that, it says when the account reaches 7yrs old. In XXXX I asked for the account to be removed citing the same rule, and it was. However, when the company reporting the account updated the reporting 2 months later it was reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 12th 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 alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: CAINE & WEINER COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
original billing was with XXXX I told them to cancel long before billing I sent them notice they billed me anyway now the bill is in collection with a company out of XXXX not licensed in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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:
Today i received an email from experian in regards to my dispute for re-investigation sent off on XX/XX/2022 requesting for account removal and proof of verification due to this account not being mine. Experian is violating my rights to providing accurate reporting and not providing proof of this account being mine nor have they provided anything. Credit reporting laws make sure that the bureaus are reporting only 100 % accurate credit information found in FCRA 611 ( a ) ( 6 ) and ( 7 ) as well as 15 U.S.C. Sec.1681i ( a ) stating if proof is not provided the account disputed must be deleted. Experian has not done so nothing was provided that i requested ( no documents, my signature, ID, an agreement and ect ) or evidence at all. as seen in the attachment. there wasn't nothing done at all about this matter.

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 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Disputes Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Iowa XXXX RE : My TransUnion letter dated XX/XX/2021 ( attached ) I need help with my TransUnion letter indicating that my Police Report is not valid. I have unsuccessfully tried through correspondence with TransUnion to understand the reason why they are claiming ID theft Report not valid. 

To help understand, I am enclosing my filed Identity Theft ( Fraud ) Police Report from the Fate, Texas Department of Public Safety that describes how my personal information was stolen, accounts/credit cards were opened in my name, and those accounts were fraudulently used. 

The enclosed Police Report has two assigned Officers -- Officer XXXX badge number XXXX and Officer XXXX badge number XXXX. The Report lists the Reviewing Officer as Officer XXXX badge number XXXX and a Records Officer as again Officer XXXX badge number XXXX. 

Please note that within the letter from the detective who is now assigned to the case, it states that this police report was filed with the Fate DPS and is assigned to Detective XXXX. 

Is this enough information to make my ID theft Report valid? 

If it does, please somehow let TransUnion know that my Police Report is really valid. 

I have also tried unsuccessfully to dispute the following TransUnion reported fraudulent accounts that were opened without my consent or knowledge : XXXX. XXXX XXXX XXXX Account XXXX XXXX 2. XXXX XXXX Bank Account XXXX XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX Similarly, I am enclosing my completed TransUnion Identity Theft Victim Assistance Affidavit. Please note the same officer, Detective XXXX XXXX, is the same officer that has signed the Affidavit. 

If you can, please ask TransUnion to accept my Police Report as valid and remove the above fraudulent accounts from my TransUnion Credit Report. 


You may contact me at XXXX XXXX XXXX XXXX, if further information is needed. 

Thank you. 

Sincerely,

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 2023-07-19
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services 1st attempt was to collect {$68.00} by XX/XX/XXXX. I called them and told them I cancelled the auto/renters insurance policy with XXXXXXXX XXXX  ( for lack of service and price hikes each renewal ). I called XXXX in XX/XX/2023 and told them the policy would not be renewed. Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX recently sent me a debt collection for {$27.00}. I have disputed both.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, 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:
XX/XX/2022 inaccurately reported a 30 Day Late {$680.00} XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act 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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX Balance : {$820.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$57.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-11-26
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of XXXX  I discovered money in my checking and Savings that did not belong to me. I went to Wells Fargo, sat down with a banker I requested her to close or freeze those accounts. I ask for 2 new accounts. Instead I got 4 accounts, the first 2 accounts were not closed They ending up overdrafting my first two accounts .I requested more info, since now they are looking at me for the answers. I found out someone had mobile deposited monies in my checking and savings. This was done in New York! I have never been to New York, nor deposited any monies thru mobile banking. The back of the check has my name printed. I tried to convince them I had nothing to do with this, Wells Fargo told me I could never bank with them again, and they took my 2 Social Security checks. one for {$110.00} and one for {$630.00}. They lied and said they sent the funds back, since they closed my accounts. Not true I could not pay my bills. In XXXX  they contacted me, saying maybe the made a mistake! They sent me {$150.00} and {$500.00} more when I complained. I still never got my money for XX/XX/XXXX. I believe they gave me money because they were getting sued I knew nothing about the lawsuit, so I was cheated out of more compensation I am submitting paperwork. I will be numbered, They gave me the run around, I could never talk to the same person, in the same city. The paperwork will show this. I was treated in fairly and like a criminal. I did nothing wrong. I recently got more letters from them about Identity theft. I never had that to my knowledge. So I guess I am getting shafted again. I am XXXX, the way I was treated was so wrong. My XXXX got worse, as well as my problems with my XXXX. No-one deserves to be treated this way. They took all the money I had, I could have has my bills shut off or lost my place to live. I really pray you can help me. I don't have much, but I pay my bills. Wells Fargo judged me unfairly! There are case numbers on some of the paperwork as well.

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: 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: Personal information incorrect

Complaint:
My name and only name has ONLY been XXXX XXXX XXXX. No other name I have ever used for applying for credit. 

The following addresses do not belong to me : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX My  accurate address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL 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 2018-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed an dispute with Capital One Bank on.XX/XX/XXXX.Advised Capital One Bank to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised, Capital One Bank that they are allotted 30 days to provide disputed results to me. Never received correspondence from Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Resurgent Capital Services L.P.
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT LVNV ACCT XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 : STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISHA ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. Validation of the debt- that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail '' so that there is an independent " witness to it having been delivered '' However according to 15 USC 1692e, 15 USC 1692d ; and 15 USC 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : intent to file lawsuit, HIPAA PRIVACY VIOLATION INTENT TO SUE : ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX Please be advised I have requested validation and not verifications of three items reported to TransUnion by the above creditor/Collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX  DID NOT PROVIDE ME A HIPAA RELEASE that releases my medical information to them. By not providing such document, they are in VIOLATION of my HIPAA rights. I am preceding with legal actions as prescribed by law against the above named collection agency should these items not be deleted within the time required by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely serious as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co. 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