BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-28
Company: RGS Financial, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In an attempt to contact RGS I requested Copy of original contract, payment history, name and address of original creditor, proof of collections authorization, & purchase debt agreement. This information was not sent to me. This unverified debt does not belong to me if it cant be proven that it belongs to 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 explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
Bankruptcy XXXX XXXX-discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX bankruptcy discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-12-16
Company: EQUIFAX, 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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: In progress
Consumer complaint received 2023-02-13
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: Credit inquiries on your report that you don't recognize

Complaint:
Attached is an Identity Theft Report with following fraudulent inquiries listed on my equifax credit report. 

Equifax Fraudulent Inquiries XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: WELLS FARGO & COMPANY
State: KS
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 stopped using my wells Fargo account because Im XXXX they started to take out money even though I didnt have any transactions linked to that account I switched to XXXX XXXX XXXX all my bills moved to that one but money was still being taken out an charged to the wells Fargo account all the way up to now I just recently closed the account but it was negative {$860.00} an my savings was negative {$64.00} because of the over drafts which were scam transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I wrote a check and did a mobile deposit into a a bank account I have at another bank. There was an issue with the scanning of the check. On XX/XX/XXXX, Bank of America did a " Posted Item Correction Debit '' for check I wrote in the amount of {$3000.00}. My other back then rescanned the check and on XX/XX/XXXX Bank of America tried to pull the {$3000.00} out of my account for the check properly scanning. The check bounced due to insufficient funds, as they had been pulled out on XX/XX/XXXX and never returned. On XX/XX/XXXX, the same issue occurred where Bank of America again tried to pull the {$3000.00} out of my account. I spoke to someone who did a stop payment on the check, subsequently pulling the {$3000.00} out of my IXXXX XXXXXXXX XXXX XXXX Account. 

On XX/XX/XXXX, I was told by a representative they saw the error and were filling a claim. I never got my money back. Ive called and spoken to people on XXXX. On XX/XX/XXXX, I spoke to someone in research and adjustments by the name XXXX. I was informed there was a bank error under the " Posted Item Correction Debit '' notes. There was a note from the bank saying funds were taken in error. XXXX could see the funds were taken and never returned. I was told it was a FDES Transaction and ultimately the funds were in limbo. The funds never were sent to my XXXX  XXXX XXXX XXXX Account. On XX/XX/XXXX, I was told the funds were taken out as a " collateral '' for a credit card and was transferred to credit cards. When speaking to the representative they had no idea what I was talking about. I was then told to file a check fraud, when speaking with them. I was informed I had written a check in XXXX of XXXX and XX/XX/XXXX for the same amount. The reason my issue was being denied is because it was filed as a posted twice inquiry. They filled a new claim focusing on the " Posted Item Correction Debit '' on XX/XX/XXXX. Today, XX/XX/XXXX, I received a notices from Bank of America again sayin no adjustment are needed on my account. I have been lied to, played through a phone tree, and ultimately at this point feel someone within Bank of America has committed theft in taking my {$3000.00}. 

My XXXX  XXXX XXXX XXXX, shows the {$3000.00} going into my account on XX/XX/XXXX and being removed from my account on XX/XX/XXXX. After the talk with the Bank of America rep on the XXXX and what I told XXXX XXXX, the funds were returned on XX/XX/XXXX. When the stop payment occurred on XX/XX/XXXX, the funds were removed from my XXXX XXXXXXXX XXXX account on XX/XX/XXXX due to the check canceling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Factor Trust
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 I obtained a consumer disclosure credit report from FActor Trust. The report number is XXXX. Factor Trust is housing and reporting inaccurate information. I have not given nor have I consented to Factor Trust sharing and or reporting any information as they have No Permissble Purpose. I hereby request that Factor Trust place a security freeze on my report and Cease and Desist from providing information about me. I have attempted to place the security freeze online via their website however the inaccurate information they have is not permitting me to do so. I've called XXXX for assistance and it all automated and no human answers to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a VALIDATION letter to kohls department store on XX/XX/2018. I got a copy of my credit report and do not recall this store card. I NEVER got a reply from the company and it's way past the 30 day grace period. As per the FCRA 30 days response is typical and VALIDATION is a contract and or lease signed. I'm asking the company provide that or please delete this credit card from my credit as its causing me distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are Alot Of Fraudulent accounts on my credit Reports Listed Below XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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 2023-09-20
Company: EQUIFAX, INC.
State: GA
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:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 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 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
I have a lot of hard inquiries on my credit report which I didnt authorize or give permission for my credits being ran. I would just like them deleted asap. I havent applied for credit since 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper has Constantly mis applied my bi-weekly payments since or about XXXX of this year. I have called monthly to have to correct this problem. My mortgage is paid on the XXXX and XXXX for the following month. Problems range from hierarchy to system malfunctions. this has led to Me being allegedly late and my escrow funds not being funded properly. Every month I have been assured that that the problem would be fixed and as of now it hasn't. My payment plan is set through my bank as Mr. Cooper wants to charge a fee for bi weekly payments.When I did this I was told by a Mr Cooper representative that it would be No problem. I also send an extra XXXX dollars a month toward principle. I had a conversation again on Thursday XX/XX/20 because my XXXX payment was Not Applied to XXXX. I was assured it would be fixed, it hasn't. Also I was to receive an Escrow overage check, which I did. I wanted those funds to go back in to escrow which i was told they would, they haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was involved in a motor vehicle accident on XX/XX/2021 that resulted in the total loss of my vehicle that was financed by Ally Financial Inc. My insurance company, XXXX XXXX provided a check for the full payoff amount of {$1300.00} to Ally and mailed it on XX/XX/2021. By XX/XX/2021 Ally began calling me sometimes 3-5 times a day pushing me to go to XXXX XXXX and electronically transfer them my regular monthly payment of {$170.00} plus approximately {$5.00} in late fees. I explained to them that XXXX confirmed someone at Ally Financial cashed the check on XX/XX/2021 and when I attempted to provide them with the check number they admitted they did in fact have the check information and they admitted to cashing the check but stated that they could not update my account because " their bank had not yet released the funds ''. This was per a conversation with them approximately 2 weeks after they had cashed the check. Once I found out that they did in fact have the check I told them that from now on they could speak with my lawyer who is currently representing me in my injury claim and provided them with my lawyer 's number. At that point my lawyer agreed to also send them a cease and desist letter that was sent on XX/XX/2021. However, now, when they call my lawyer and they find out who they are speaking with they immediately hang up and refuse to speak with them. As of today, Ally is now also calling my family members multiple times a day and asking them to contact me even though they know who they are supposed to speak with.

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 2023-12-04
Company: Navient Solutions, LLC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Balance on credit report not reflecting on none of the credit bureau. My last updated from Navient was XXXX before I started disputing the incorrect amounts. I called Navient for them to tell me an update was sent on XX/XX/XXXX, {$850.00} but thats not true. My reports say XXXX Credit bureaus are telling me to contact Navient. Navient is telling me to contact the bureau. I disputed with all 3 credit agency and the balance is still not updated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
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 - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 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 non-monetary relief
Consumer complaint received 2023-01-25
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX  months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank intentionally froze my account without my consent and against my explicit instructions not to due to pending refunds. Declined refunds from XXXX separate merchants. There is more than {$500.00} in refunds they are refusing to process. I go in to a bank and they say there in nothing they can do. They instruct me to call the number on the back of the card. When I call I get connected to someone to cant speak or understand XXXX. I repeatedly call the fraud number and they dont answer. Have spent XXXX hours without anyone answering. This bank needs to be shut down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08
Company: Asset Management Outsourcing, Inc.
State: AL
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I downloaded Cash app a device app to help me with my investments buying stock that was linked to my checking account. In the past I deposited money to buy stock. However today my cash app account was blocked because I went over the trading limit. I called cash up at XXXX to advise them what happened to my account I gave the cash tag user ID also the asked me to download a picture of my drivers license to verify mi identity etc so they can unblock the account. Within minutes they started to transfer money from my cash app account and my bank account to unk accounts. They have stated that were doing tests which was a lie. All together they have stole about adding it up about {$4000.00}. I am really upset. Spent the whole day with this company trying to retrieve my account. I called the same number trying to get managers no one help at all. All them that I spoke to did give their names, obviously. Once I called them back they had no record of my cashapp Tag. However I do have the cash app card for proof and all the fraudulent charges on my account. I also saw hundreds of bad reviews from customers about this company stealing from customers and not providing the service that they were meant to provide. Cash app is the worst they should criminally charged. My money is gone.

Company response to consumer: Closed with explanation