BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account is unauthorized and has invalid information and violates my privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 Section 602 States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: WELLS FARGO & COMPANY
State: FL
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:
On XX/XX/18 {$4900.00} was taken out of my Wells Fargo Money Market Savings Acct to pay XXXX XXXX  TX as a Web Payment. On XX/XX/18 {$780.00} was taken out of my Money Market Savings Acct to pay XXXX XXXX XXXX   as a Chg. Pymt. On XX/XX/18 I notified the Wells Fargo Fraud dept. that these withdrawals were not initiated by me. I also went to notify my local branch in person regarding the fraud. Then on XX/XX/18 {$2700.00} was transferred online from my Savings account into my Checking acct. Also on XX/XX/18 {$6000.00} was transferred online from my Money Market Savings acct into my Checking acct. I again called Wells Fargo Fraud dept. to notify them these transfers were not initiated by me. I additionally went in to my local branch office and notified them. The Fraud dept. decided at this point to close all my accts and issue all new accts for my Checking acct and both Savings accts as well as my children 's Savings accts. They then stated there would be stops and holds placed on my accts! They stated there would be a 90 day grace period window for things to clear from my old checking acct? Then on XX/XX/18 {$9600.00} was withdrawn from my brand new Checking acct. to make a Bill pay to XXXX  Card Services?

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
After going through the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX I have tried to work these issues out but they have violated my rights and I have no choice but to file a claim. Here are some of the violations I was able to find that they have violated. 

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 non-monetary relief
Consumer complaint received 2022-11-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
was contacted by collection agency saying I had an outstanding balance in an account that was opened in 2013 at citizens bank that I don't remember opening and I'm not sure how to proceed my indenty was stolen and someone filed taxes in my name and now I receive a pin number to file taxes with and i believe it was around this time that it happened

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting an inaccurate account on my credit report. I have settled this debt and do not owe anything on it. It should not be on my credit report at all.

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 2023-05-21
Company: EQUIFAX, INC.
State: WI
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 am currently in the process of reviewing my consumer reports and noticed many inquiries not authorized or do not recognize. 
This includes : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681e - Compliance procedures states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete for the consumer report for violating compliance procedures. 
Thank you in handling this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: First National Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Written letters to dispute and remove the account, account remines on my consumer report updates like a current account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018, I made an online payment from my XXXX account to my TD VISA ( a  transaction that I've made monthly for over a year ) for the amount of {$3600.00}. After several days of not posting on my TD VISA account, I contacted XXXX and TD to determine what was happening. XXXX informed me that they have proof of payment, the funds were electronically withdrawn from my account, transferred electronically to TD VISA and were withdrawn by TD VISA. I also went online and saw the proof of payment document confirming what XXXX reported. However, TD VISA states that they have no evidence of the electronic payment and that they do not accept electronic payments, XXXX is supposed to send TD VISA a paper check for the amount. This was news to XXXX when I informed them of this ( TD VISA has never informed them of this and if it was the case, TD VISA should have rejected the payment ), and they noted that all of my payment electronic transaction from XXXX to TD VISA in the past were made via electronic transfer. XXXX is in the process of mailing the proof of payment document to TD VISA to show that TD VISA in fact did accept and withdraw the funds. I am very concerned that this is going to become an issue with neither institution accepting responsibility. Also, I made a second payment to completely pay off my card for {$17.00} and it is having the same issues. XXXX is also in the process of mailing this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX. Acct # XXXX XXXX XXXX. Acct # XXXX, XXXX Acct # XXXX XXXX XXXX. Acct # XXXXXXXX XXXX XXXX XXXX. Acct # XXXXXXXX XXXX. Acct # XXXX Has all violated my rights. 

15 USC 1681 Sect 602 A. States I have the right to privacy.

15 USC 1681 Sect 604 A. Section 2. It also states a consumer recording agency can not furnish an account without any written instructions.

15 USC 1681 ( 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.

15USC 1681 s-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 non-monetary relief
Consumer complaint received 2022-11-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo is at it again. They have began charging unjustified overdraft fees again. I was charged {$35.00} for supposedly paying for a transaction that I did not have funds to cover. I did not sign up for an overdraft program. I was promised that if no funds were available the transactions would simply be declined. I checked with the bank that supposedly received the money and they said Wells Fargo did not approve the transaction. Wells Fargo did not pay XXXX XXXX but wont return it to me either then on top of that is charging me 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 monetary relief
Consumer complaint received 2019-10-11
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had my XXXX account for over 10 years and when they offered 0 % interest for 12 months on my appliance and lawn furniture the company went out of business. Later Synchrony Home offered a new account but I was unable to use the card due to no stores in my area at the time. After several call to discuss my payments and why the balance is so high they never provided me an understanding on why my fees and interest kept rising but balance never went below 3K? Additionally, I had some bank fraud in XXXX to XXXX and explained to the associate what was going on but I was unable to pay the increase fees that was not waive. Now they sent this account to XXXX  a collection agency. I feel after the store went out of business there was bad accounting practices and never accurate. I was a very good paying customer on this account due to my inquiries they elected to close the account XX/XX/2019 stated no payments but was willing to pay if the provided validation of debt first.

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 2023-08-25
Company: Open Dealer Exchange, LLC
State: FL
Product: Credit reporting 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:
To Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX of XXXX and XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted this complaint on XX/XX/XXXX on this very same portal against Trans Union for reporting a bankruptcy after US court said they do NOT send info to credit agencies! I also filed the complaint with the XXXX same day and got a letter from them on On XX/XX/XXXX saying they were investigating and it could take 30 days cool. Funny enough I get another letter datted XX/XX/XXXX ... from Trans Union saying the furnisher ( which correct me if I'm wrong is US Court ) verified it as accurate. Please make this make any type of sense! Trans Union is blatantly LYING and what type of investigation took 5 days only to complete that involved contacting the government?! Want to know what I think? I think Trans Union has people in front of a screen that don't know the law and just push files! I demand now that they delete this bankruptcy unless they can now tell me how and with whom they " verified '' this account with I need to know when and the name of people they spoke too. They can just run down their specific procedure for verifying while at it because I'm finding it hard to believe that they spoke to US Court and ANYONE there release any of my private information but if so please give me all the details! CFPB has been a great resource of information I even read here about XXXX XXXX data breach and unethical stalling tactics which I found to be interesting and potentially helpful. Sending this to my state councilmen at this point Trans Union thinks they are invincible

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 2022-11-09
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My. Children buy me gift cards. I was save to buy an XXXX. When I went to XXXX, three of the gift cards were empty. All of them visa gift cards. The XXXX was no problem. After being embarrassed, when I returned home, I called the number on the cards. To say they were less than helpful would be an exaggeration. They expressed no interest in assisting me. One of the gift cards had been used in California. I live in Florida. So I went in line, did evthst was asked if me, submitted. The first email asks for copies front and back of cards. Another two weeks. Then they said they can7help unless I give them a copy of the receipt. Once again, I tell them it was a gift. One was {$100.00}, one was {$50.00} and the last one was {$100.00}. Something has to be done about this. I have written to XXXX not interested. Enter business bureau, no response. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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:
In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, # XXXX, and # XXXX have 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 2016-08-13
Company: AES/PHEAA
State: VA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I REQUEST VALIDATION THEY COME BACK WITH ACCOUNT HAS BEEN VERIFIED THATS NOT WHAT I ASKED. NO PAYMENT HISTORY EXCEPT FOR THE MONTH THEY RECEIVED THE VALIDATION LETTER SO THEY REPORTED PAYMENT FOR THAT MONTH OK BUT HOW ACCOUNT CLOSED 10 YEARS AGO. ONCE THEY DONE THAT NOW THE ACCOUNT IS REPORTING CURRENT BUT THE ACCOUNT AGE IS NOT AS OLD AS IT SHOULD BE SINCE THEY REPORTING CURRENT GIVE ME SOME AGE HISTORY IS THE ACCOUNT IS CURRENT. PLUS THESE ACCOUNT HAVE BEEN CONSOLIDATED 9 YEARS AGO

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My information was used to open accounts without my knowlegde or conscent. 
Idenity theft occured with several accounts reflecting on my credit report. All accounts should be closed and removed from my report. I have POLICE REPORT to substantiate my claim. This is a violation of my rights and all accounts must be removed!

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 2022-11-09
Company: CCF Intermediate Holdings LLC
State: CA
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 am reporting these accounts that should have been closed and still on my credit report reporting inaccurate information I am tired of my report looking bad due to fraudulent activity. Someone had my information and got a loan that still remains on my account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation