BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: EAGLE BANCORP, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I own a business that has its checking account at Eagle Bank. One of my personal checking accounts is held by Eagle Bank also.

One of my senior employees is authorized to undertake specific actions for my business checking account. She has nothing to do with my personal finances. 

An employee at Eagle Bank emailed my employee to ask about transactions on my personal account. They sent an email with check images that I had written as part of managing my personal finances. They asked my employee about these checks. 

My employee contacted me to ask about the checks before I was aware that Eagle Bank had shared 6 check images from my personal account. This was embarrassing for me and my employee. 

I should expect Eagle Bank to protect the privacy of my personal financial information. They should have in place sufficiently strong procedures to ensure that one of their employees does not share personal financial information incorrectly in a situation such as mine. 

I contacted the Eagle Bank employee to tell her of their error. I spoke to someone that identified themselves as a branch manager, though I do not know that person. She apologized and said she would write to me with a more formal explanation of what had happened. That person has not written to me. 

I contacted my relationship manager at Eagle Bank letting him know that my personal financial privacy had been breached by one of their employees. I asked him what would be the best way forward. He has not responded. 

The protection of personal data and personal financial information is extremely important. These should be core competencies of a bank. Eagle Bank has failed to fulfil these requirements and is not prepared to discuss the significant mistakes it has made in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: TMX Finance LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Notice of dispute, requested name and original creditor name and address, never gave the info asked, more than 10 harrasing calls after told to communicate by mail on in response to affidavit. Never sent back affidavit, send debt instrument for payment that was accepted but never returned and still claiming a debt owed with no true bill ever sent. Still calling and threaten to steal car over phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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: Information belongs to someone else

Complaint:
The unverified items 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 items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021

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 2023-05-01
Company: CITIBANK, N.A.
State: NJ
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 reviewed a copy of my credit report and CITI Cards/CITIBANK ran an unauthorized credit inquiry on me on XX/XX/2021 I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact CITI Cards/CITIBANK and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

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 2023-05-13
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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX ; XXXX 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 2023-03-26
Company: Experian Information Solutions Inc.
State: OH
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 personal information was compromised by the 3 credit bureaus and i have repeatedly asked them to not publish any information about me or that is not confirmed in writing to be my information without my written consent they have never provided any information or documentation that shows my signature or hand writing that says i gave them any permission to collect or report any information these 3 companies XXXX, XXXX, experian are violationg my rights my privacy and they are clearly breaking laws they need to delete all accounts immediately without question ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX ACCOUNTS : XXXXXXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX US DEPT OF ED/ XXXX -acct # XXXX XXXX XXXX XXXX- acct # XXXX, XXXX XXXX  XXXX - acct # XXXX , XXXX XXXX- acct # XXXX XXXX XXXX - acct # 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 2016-05-19
Company: Velocity Portfolio Group
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Velocity Investments keeps demanding payment for a debt they have defective title to. I have filed a complaint with Nevada Financial Institutions Division. Velocity ignored FID letters and resumed hassling me. Copy of my new complaint I am filing with NV FID : 1 ) Velocity Investments, nor any of its agents, have provided any validation of this debt as per Financial Institutions Division, State of Nevada letter to Velocity dated XXXX XXXX, XXXX 2 ) Velocity, not its agents, have provided a verified answer with notarized signature ( per FID letter to Velocity dated XXXX XXXX, XXXX ) 3 ) That Velocity and its collections agents have violated my rights as a consumer under the FDCPA in the following ways : 1 ) attempting to collect on a debt they have not verified/validated, even though I demanded verification within 30 days of their demand letter ( XXXX XXXX Solutions ) dated XXXX XXXX XXXX XXXX FDCPA violation ) 2 ) attempting to collect a debt they have no valid legal claim to ( FDCPA violation ) 3 ) attempting to collect a debt that is beyond the statutes of limitations ( FDCPA violation ) 4 ) Failing to inform their collections agents ( 2 of them ) that the debt is in dispute ( XXXX FDCPA violations ) - Velocity may have violated my rights in other ways. I have consulted an attorney on this matter, but have not yet retained one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The account in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report, especially when the income reported does not belong to me as the consumer. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. My Account Names and Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I sent a letter along with a copy of my official CA ID on XX/XX/2023 ( certified ) to the following credit bureaus requesting for them to update my report with the correct name/address provided and to remove all others for fraud purposes : Experian : XXXX XXXX : XXXX XXXX : XXXX It is a month later, and all bureaus have failed to adhere to the FCRA in regards to my rights as a consumer.

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 2023-03-21
Company: EQUIFAX, 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:
My name is XXXX 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 2023-06-27
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On approx XX/XX/XXXX bank mobile froze funds in XXXX of my bank accounts. I contacted them via telephone, email, and letter with no luck over the last year now. 

They just give me the runaround they don't request information just the runaround. This a a common for them. I have XXXX others on social media who have come forth with similar stories.

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: Bread Financial 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: Account information incorrect

Complaint:
Notice to agent is notice to principal, notice to principal is notice to Agent. 

I was looking over my credit reports the other day and noticed an account on my reports from Comenity Capital BankXXXX XXXX account number XXXX XXXXXXXX, reporting late payments. I am 100 % certain that Ive never received any goods, services, or money from this company, nor have I ever done any business with the company. I have reached out to Comenity Capital BankXXXX on numerous occasions and was informed that an investigation was completed, and the account was closed as erroneous as of XX/XX/2022. I am confused as to how this company is now reporting past due/late payments on my credit reports. From what I know of the law, only a contract/signed agreement between Comenity Capital BankXXXX and myself would make me legally bonded to any debt that they are alleging. An agreement with XXXX XXXX XXXX XXXX in XXXX, XXXX was cancelled within their 3-day grace period, therefore, there should be no monetary charges from Comenity Capital Bank XXXX 

If Comenity Capital BankXXXX had sent me a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to dispute this account long BEFORE they unlawfully caused considerable damage to my credit reports. I humbly request that Comenity Capital BankXXXX remove this erroneous account from my credit reports and cease any further collection efforts. Please consider this letter a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. 

Respectfully,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir/Madam, I am writing to file a complaint regarding fraudulent activity that has affected my credit report. Today, I received a notification from XXXX XXXX  that Bonneville Collections has added a debt of {$620.00} to my credit report for a bill owed to XXXX XXXX XXXX. This debt does not belong to me ; it belongs to my former spouse, XXXX XXXX. 

I have already contacted Bonneville Collections and sent them a written request on XX/XX/2023, explaining that this is not my debt and that it belongs to my former spouse. However, despite my efforts, the debt still appears on my credit report. 

I am extremely concerned about the impact that this fraudulent activity will have on my credit score and my ability to obtain credit in the future. I request that you investigate this matter and take action against the parties responsible for this fraudulent activity. 

Please let me know if there is any additional information that I can provide to assist in this investigation. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Samuel Whitaker & Associates LLC
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
On XXXX XXXX received a call from a XXXX XXXX stating I had 72hrs to Connact her at Samuel Whittaker and associates at XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. Her telephone number XXXX. She stated if I did not call within these 72hrs than I would have a civil suit filed against me and XXXX in XXXX and XXXX county and I have been warned and have a great day!

Company response to consumer: Untimely response
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

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 this reporting Items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and correct for erroneous reporting in my file and 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 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 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 2023-05-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I ordered a digital photo frame from a company named XXXX XXXX. There is no way to contact this company other than XXXX. I sent XXXX emails after The order was placed cancelling the order. I sent the first email wishing 2 minutes of the order being placed. Never received a response. They shipped the order anyway and they should not have shipped it. It should have been cancelled. I again sent over twenty ( 20 ) emails to them. I asked to return this XXXX numerous times and never received a single response. I filed a claim with my Bank Wells Fargo. Wells Fargo took forever to deny this claim. The company never responded ( XXXX XXXX ) to me. Wells Fargo just denied the claim. They never said if the company responded to them or not. Wells Fargo just sent some ridiculous letter saying my claim was denied and the XXXX would be deducted from my account. Wells Fargo does not protect its customers. Did this XXXX XXXX company respond to Wells Fargo? How can I contact this company? They have never responded to a single email I sent them. Wells Fargo Should NOT have denied this claim. If the company responded to Wells Fargo, Wells Fargo should have sent that proof to me. They should not have denied this claim. I can't get a response from the company. The only address I can find for them is in XXXX XXXX. No XXXX address.

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 2016-08-21
Company: EMBRACE HOME LOANS
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is the XXXX complaint I am submitting against Embrace Home Loans. The XXXX complaint was Case Number : XXXX. I have not received my corrected XXXX on my Mortgage Interest from XX/XX/XXXX through XX/XX/XXXX and no monthly loan statements. The response from XXXX XXXX XXXX XXXX on behalf of Embrace Home Loans was worse than XXXX XXXX in that they have me with a XXXX mortgage. I have been requesting that the Resolution Department at XXXX XXXX XXXX XXXX review my proof of payments and resolve the balance dispute. Embrace Home Loans and XXXX XXXX 's Attorney XXXX verified receipts through XXXX XXXX, she did not give a balance on her report. I a current and paid through XXXX XXXX and Embrace Home Loans Mitigation Department not their Resolution Department has contacted a XXXX XXXX, Louisiana Attorney who sent me a Warning Foreclosure Letter. I have responded to that letter. Please see attached.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-23
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a letter saying i owed {$840.00} by a debt collector trying to use XXXX XXXXXXXX XXXX  name. 

CHASE RECEIVABLES XXXX XXXX XXXX XXXX XXXX NJ XXXX The bill says date of service XX/XX/19. I have never received a single letter or notice of this bill existing. I have never heard of the existence of this debt. I told them the debt was false and they said they will still pursue me. They were harassing me. They were asking for personal information that I refused to provide because I think they were trying to steal my identity.

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