BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Once I saw accounts on my credit profile i immediately ask for verification, company didnt verify or tried to unlawfully verify account and Im a victim of identity theft 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2021-03-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been charged over {$800.00} of overdraft fees. I never enrolled in overdraft protection! I disenrolled and for some reason I am enrolled again. We are in a pandemic and they shouldnt abuse people the way they have been abusing me. Every time my account goes negative I made sure it was positive but I have been charged {$37.00} about more than 25 times and I feel like that is excessive

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX TN XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: EQUIFAX, 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:
Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report. These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately. The accounts to removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
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:
In XX/XX/2022 I saw an unauthorized XXXX purchase on my bill. I contacted the bank, which said the buyer 's name was my wife 's and the delivery address was my home, but the person who signed for the package was someone we didn't even know. First of all, I didn't know that online store and I have never bought anything from this website! Second, my family and I have absolutely no experience buying a XXXX XXXX, and the online store is in XXXX XXXX XXXX, while we live in XXXX XXXX, California. We don't know why my wife 's information and my credit card number were stolen. But the bank won't dispute a purchase I didn't authorize. I felt ridiculous. I couldn't agree with the bill because I had never made the transaction. I didn't make this purchase.We never received the XXXX package, and it wasn't signed for by me or my family. So I think the bank will have to dispute the deal for me.

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 2023-01-15
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My name is XXXX XXXX. I opened my first BB & T account on XXXX the XXXX. I have been with XXXX XXXX XXXX XXXX for 15 years and wanted a back that I can use face to face. After depositing {$8000.00}. I had to use XXXX in the app to send my family member {$1000.00}. Once I tried to send the money, BB & T froze my account and will not tell me the reason or provide me a time frame of their investigation. I was laid off and that money was something keeping me afloat. I need that money for housing, food and bills. Could someone help me. XXXX 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
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit bureau furnishings inaccurate information about XXXX account. I submitted a written request for reinvestigation. I requested they provide me with the notice of determination containing the reason and information required to investigate the disputed information. The business name, business address, and telephone number that was used in connection with this investigation. As well as a description of the procedure used to investigate IN WRITING via mail. Otherwise, they delete this misleading information, notify the furnisher, and update my credit report. I was denied the information I requested and instead they sent it to their dispute center online and the inaccuracies remained. It is my right as a consumer to have them properly investigate and provide me with the information I am requesting and I believe they are not abiding by the laws set forth to protect me.

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 2021-03-12
Company: BBVA FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
BBVA has closed my auto loan account with the status of " charge-off '' for a past due amount of {$2900.00} in error. BBVA has already received payoff for the loan, as shown by the three attachments : 1 ) loan payoff receipt from BBVA ; 2 ) loan payoff guarantee for {$48000.00} from BBVA ; and 3 ) loan payoff confirmation from XXXX. Feel free to reach out to XXXX directly at XXXX referencing my claim # XXXX and ask for the manager, XXXX XXXX. We have already attempted to resolve the issue with BBVA through several phone calls on these dates : XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. We have e-mailed them as well. However, BBVA has been unresponsive. Also, they no longer have a phone number, only an address, listed for credit report disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am having trouble with what should be simple - figuring out how much my monthly payment will be. 

They also applied a payment I made to the principal instead of the interest ( even though the payment checkout says payments are applied first to interest ) and I was never able to find anyone to talk to about this. 

My servicer, FedLoan, has an error message when I try to access repayment options/payment on their online portal saying " this information is not available. '' I try to email them ( once in XX/XX/2021 and once in XX/XX/2021 ). I try to go to the chat option to see if I can talk to someone and I have tried this maybe 30 times ( I check a few times a day for weeks ) and they have never had anyone available. I think the chat function does not really exist. 

So I try to call them ( almost 10 times ) during their business hours. The automated line does not even provide an option to speak to someone but I eventually figure it out by pressing 0. They never have a representative available and say they will call you back. When the call back rings, and I pick up, it " buzzes '' and then automatically hangs up. 

I also sent them a XXXX  message. 

I have yet to receive a response or speak to anyone about what my expected monthly payments will be. How am I supposed to know how to budget for it and when it is due?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: FL
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi my name is XXXX XXXX XXXX XXXX and Id like to file a complaint against Equifax for violating section 611 Of the FCRA. Equifax verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent both Equifax and all the data furnishers listed below the required letters & I have not received any changes from any of the companies. Ive further sent Equifax request to remove these items for lack of response & theyd ignored my requests to remove the items which I know are inaccurate. Equifax is now violating section 611, 609 & 623 & Id like these accounts removed immediately. Ive attached all correspondence for your internal investigation and below are the account that are in questions. 
XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Atty General of Tex XXXX XXXX XXXX continues reporting inaccurate information. fails to follow their own protocols. reports closed accts as open, reports past due balances on closed and paid account. etc ... 
I paid child support for 15 months iut of pocket to the custodial parent at XXXX $ month and filed a notorized copy of affadavit of support to atty gen office who failed to follow up on my case. This led to years of mis reporting and 150 yo 180 month lates on XXXX  and Equifax that are not true. My case is now clised for over 6 months and Equifax gets an updare from the Tex atty grn office that I have balance if {$4500.00} and 150 days late. This is on a paid, closed acct with zero balance! 
I have sent lengthy e mails, called by phone numerous times through the years, and my case never gets corrected. 
Fraudulent reporting by the state if Texas continues to harm my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: WAKEFIELD & ASSOCIATES, 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:
Per Ftc sec 609 credit agencies are not validating my account they are simply verifying my information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my Capital One Walmart Rewards card for groceries. I order groceries for my elderly mom and stepfather. On XX/XX/XXXX " XXXX '' ( XXXX ) did not call or text before delivering the order to her house. She called me right away and told me someone else 's food was on her porch. I called Walmart. The phone rang a long time before got an answer. I told the employee what happened. He asked his supervisor what to do. He said to give away, donate or use the items that were delivered. They were unable to exchange them due to covid. I would not be billed for them. He took down the order number. I order the same items to be delivered XX/XX/XXXX. That order was correctly delivered. I was billed for both orders! I tried again to call Walmart but could not get through. I disputed with my credit card company. An employee at Walmart lied and told the credit card company that the order was delivered and in good condition (?! ) so the credit card company rebilled me the disputed amount! My mother also sent them a letter. This is a lot of work and aggravation. I have tried reaching to higher Walmart employees. They said they are not going to correct it because I got the credit card company involved. This Walmart is in XXXX XXXX in XXXX Ohio. Their phone number is XXXX. On XX/XX/XXXX I contacted Capital One XXXX. I spoke with Both " XXXX '' ( was disconnected ) and XXXX XXXX. I was told " The case was considered closed. '' They told me to resolve it with Walmart. Walmart XXXX ( XXXX XXXX ) said to resolve it with the credit card company. I refuse to pay for groceries that were delivered to someone I don't know. Walmart does not give paper receipts. I took pictures of what was ordered both days and billed and they were sent to Capital One through a link they sent me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-18
Company: EQUIFAX, INC.
State: DC
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:
I am XXXX XXXX XXXX. I am submitting this complaint on behalf of myself and not a third party. 
I previously submitted a complaint and it went unresolved. 
My final attempt at this level to make Equifax aware that I have never signed an Affidavit nor giving Equifax consent to furnish ANY INFORMATION on my consumer report but has that stopped Equifax? No it has not, even through disputing inaccuracies I have still not been been properly handled. The items I disputed do not belong to me. Youre verification was flawed. Show me indebtedness, accounting in detail, a document showing I received any loans or services. Did you interview anyone?! Equifaxs system is fraudulent. Wheres your permission purpose?! You do not have my consent to furnish and you did not investigate anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
opened new account with 5/3 bank on XXXX XX/XX/XXXXXXXX  with XXXX. 

Opened account with promise of {$500.00} bonus if that amount of money is deposited into account. 

Had to take money from another one of my accounts to deposit sum of XXXX into the new 5/3 account. I explained this to bank clerk. 

On advice from bank clerk XXXX XXXX at the XXXX XXXX, FL branch located at XXXX XXXX XXXX XXXX XXXX, FL XXXX she told me to write a check for that amount knowing I did not have the funds, but since it was a friday funds would not be taken out of the account until Monday- her words from the account in which I was writing the check from to fund this new account. 

However, 5/3 bank took the funds out that day, causing the check to bounce and charging me fees. XXXX did fix that situation and told me that everything was fine. 

However, I have still not received the {$500.00} bonus. Upon investigation, XXXX said it was because I had that bounced initial funding and which caused my account not to be in " good standing '' and I was disqualified from the bonus. However, I acted upon her advice and instructions. I feel the bank is cheating me out of the bonus on a technicality. The funds did make it and posted on XX/XX/20 and have been there ever since. 
I would like the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-08
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit reports I noticed that there was a collection account reporting to the 3 major credit unions. I sent in a letter to all 3 credit bureaus ( XXXX XXXX, XXXX, XXXX ) in regards to this collection account which I did not recognize and had no information on. XXXX deleted due to no validation, I received a letter from XXXX XXXX stating that the account had been verified. Also only receiving an itemized bill from Transworld Systems stating I lived at an address in XXXX ( I haven't lived there since XXXX ) and had a light bill in the amount of {$240.00} from XXXX when I have had the same electrical company since XXXX at the address I have had since XXXX, I then sent a certified letter to XXXX XXXX and Trans World Systems ( collection agency ) which were received on XXXX and XXXX asking for validation, how did XXXX XXXX validate said account? Who did they speak to etc. Trans World as well, since this definately didn't belong to me I was requesting more information than a falsified bill. I never heard back from TransWorld and only received a letter from XXXX XXXX stating that the account was verified. I called XXXX XXXX today and they stated that everything was done electroniclly and could not help further. I spoke to a supervisor by the name of XXXX XXXX and he stated that I would have to reach out to Trans World again even though they had 30 days to respond and still no response to this date. According to the laws I read up on for consumers I thought it was the responsibility of the credit bureau to investigate accurately since they are the ones reporting it. Especially since I sent them validation on how long I've had my current address. Collection agencies should not be able to get away with making false statements/bills to try and get consumers to pay bills that do not belong to them. As well as the credit bureaus should be held responsible for reporting false information. It states that we will be able to see detailed investigation results, including name an contact details of the source of the information on how the account was verified ... .no where does it state that information just states verified and updated.

Company response to consumer: Closed with explanation