BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: Synovus Bank
State: PA
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:
Im accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right of 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear Sirs, I do have problems with my local Bank here, Wells Fargo and I want to transfer my XXXX check that I am receiving from our Social Security to another Bank account that I have nearby. No matter what I am telling them they do it their way. I did transfer my little saving balance to my checking account and closed the credit card account. They did charged me {$16.00} for stupidity because I had a credit card without the chip attached to it but able to use it on the internet but not on local store and that was the beginning of the problem when I went to the Bank and try to explain to them the case but when I came home some how I did find the credit card that they send me with the chip and within the hour I did went back to the Bank and explain to them the reason but the young representative did not want to hear the story and charged me {$16.00} but I did pay them {$20.00} that shows on my credit card account. When they closed the account so also the {$4.00} went with them for coffee as I say it. I got charged {$20.00} also on the checking account or the savings account wish I did transfer the moneys to the checking account and as today my savings account shows {$0.00} but still open account. I have to find another Bank to transfer my XXXX check of {$1100.00} and close also the checking account and not deal with them at all. This is the way our Banking system works and specially the older people facing those problems without any help around. What else left for us. I do have problems after problems with everything around like Banks, Hospitals, Doctors, Pharmacies etc. How far we can go with all those problems. What else left for us. Is there anyone to help the older population in America? 
Sincerely 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 monetary relief
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with correction of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2020-02-22
Company: Midwest Recovery Systems
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX and midwest recovery systems has put a derogatory mark on my credit report and alleging that I owe XXXX which I have not use this business for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 I called XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) to inquire over {$15000.00} of missing funds and what " JV '' meant on my statements. They asked if anyone else was on my account, I replied no it is an individual account. They shared " JV '' means " joint venture '' and if a criminal has your account number and makes a deposit they now have access to your funds. Funds were all transferred to XXXX account or Peoples United Bank dormant account of which I never authorized or have done in my 59 years. No one has returned my calls from the fraud department. 

This information is the smoking gun of numerous previous complaints how funds were diverted from my individual XXXX XXXX  XXXX Credit Card account from XXXX XXXX XXXX to Peoples United Bank. Accessing the XXXX account allowed the criminal to move automatic payments to XXXX  ( XXXX ) XXXX XXXX from XXXX to dormant Peoples account by opening a fake XXXX XXXX web payment page. 

The criminal HOPE credit unions do NOT communicate with Federal Banks such as Peoples. They FOUND the gap of accountability. ALL are accountable to protect consumers. Cyber criminals are smarter than us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Three years ago I had identity theft and enrolled in Equifax freeze protection. They charge my credit card {$6.00} per month.
Recently Equifax has had a breach in their data and I looked on their website and it shows that my data has possibly been affected and they offer a FREE Freeze product via Trusted ID Premier, which I signed up for. Please see attached proof of process dated XXXX17. 

After five days when I still had not received the " final '' activation email I started to call and was on hold with a variety of telephone numbers for hours over a four day period. When I finally did reach someone, they had no idea why I did not receive the above email and I should just give it more time. 

After another four days I finally called Equifax sales at XXXX who is the department that sold me the original above {$6.00} product. The sales department answered their phone within 10 minutes. Umm, something to think about.
Anyway, the Sales Rep said the reason I have not receive an activation email for the free product is because I have the {$6.00} product. The Sales Rep said the only way to get the FREE product is to cancel the {$6.00} product. Though she WARNED me that once I cancel this {$6.00} product I will be exposed to identity theft for at least a week until Trusted ID can activate the free product.
How does that make any sense? The Sales Rep said it is the only way to get the free product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have multiple business accounts with Wells Fargo and even bank with their commercial side for business! and a credit card but I was denied for a personal loan which makes no sense considering how much business I do with them I feel like I'm being discriminated against.

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 2019-10-14
Company: Resurgent Capital Services L.P.
State: NV
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 kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: ENCORE CAPITAL GROUP INC.
State: TX
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 have disputed many times. Account had been transferred to another company. MCM was paid with no further obligation. Nothing has been deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I retired from my XXXX job after 26 years due to medical problems ( extreme stress at work ). I got behind in my mortgage payments and tried to catch up, to no avail. Last month ( XX/XX/XXXX ) my mortgage company sent me a letter saying that if I did n't catch up on my payments, they would foreclose on my house. I tried to work with the with XXXX on a loan modification but it was denied. At the recommendation of my mortgage company, I filed an appeal which was denied this past week. Before it was even denied I received one of those packets with pictures of my house and surrounding properties and sale prices of houses like it from the company. In my opinion, my mortgage company never planned on approving my modification or appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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:
To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with correction of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have never applied for this companies, I'm not responsible for this inquiries.

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 2019-02-20
Company: U.S. BANCORP
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On or about XX/XX/XXXX an account was opened in my name through US Bank unauthorized. I notified them first on XX/XX/XXXX XXXX and again on XX/XX/XXXX XXXX via signature required UPS of my dispute. Both times they failed to respond as required by both the FCRA and the FDCPA.

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 2019-03-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
IVE BEEN DISPUTING THE INACCURATE INFORMATION ON MY CREDIT REPORT SINCE XX/XX/2018. IVE  ALSO SENT COPIES OF MY DRIVERS LICENSE AND SOCIAL SECURITY CARD MULTIPLE TIMES AND THERE IS ALWAYS A PROBLEM MOST RECENTLY I WAS TOLD THAT THEY COULD NOT READ THE IMAGES SENT TO THEM. IVE JUST RECENTLY RECEIVED MAIL FROM EQUIFAX TELLING ME THEY COULD NOT LOCATE MY CREDIT FILE WITH MY IDENTIFICATION I SUBMITTED TO THEM. IF THIS WAS TRUE WHY DID THEY SEND ME A EMAIL STATING THAT THEY A PROCESSING MY DISPUTE BUT THE ONLY THING THEY ARE DOING IS UPDATING A XXXX ACCOUNT WHICH IS NOT MY ACCOUNT I NEVER HAD A XXXX ACCOUNT BUT THEY KEEP UPDATING THIS SAME INFORMATION BUT NOT RELEASING THE INFORMATION ON HOW THIS ACCOUNT IS BEING VALIDATED. EQUIFAX SHOULD NOT BE RESPONSIBLE FOR HANDLING CONSUMER ACCOUNTS BECAUSE THEY ARE UNRELIABLE IRRESPONSIBLE AND REFUSE TO INVESTIGATE DISPUTES ACCURATELY BECAUSE IF THEY DID THIS INFORMATION WOULD HAVE BEEN REMOVED OVER A YEAR AGO BECAUSE IVE NEVER OWNED A XXXX   ACCOUNT AND I NEVER LIVED AT XXXX XXXX XXXX XXXX NY XXXX. HOPEFULLY YOU CAN MEDIATE THIS SITUATION BECAUSE MY NEXT STEP WILL BE SEEKING THE ADVICE OF LEGAL COUNSEL. EQUIFAX IS LITERALLY RUINING MY LIFE BY REPORTING INACCURACIES ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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 XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

They also have neglected to list the creditors on my XXXX report for XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2017-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
XXXX is an account that I acquired due to a student loan. It is currently reporting as an unknown item on my credit report. They are three different accounts. I have asked that they be combined, but they have stated that they are unable to combine them into one account. Therefore, for the last four months I have been making payments to all three accounts. {$100.00}, {$25.00} and {$25.00}. I was only able to afford {$200.00} extra in my budget. But the payments have come consistently and they have accepted them. Not only have I paid them for the last four months consistently, it has come at the same time every month. 

After the second payment, I received an alert that the account was reported as negative again. This alarmed me because I had made two payments consistently. I contacted XXXX and asked why they hadnt reported making payments or paid as agreed. They informed me that the credit bureaus needed to report it that way. But after the third month, it again reported it the same way -- -- a negative status. 

Not only have I reached out to XXXX regarding this, but I have also reached out to the three major credit bureaus. They only report the payment going lower and not the payment itself. 

This reporting has caused my credit report to continue to decline in numbers. I am requesting that this be resolved immediately. The payment should be as follows : XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- XXXX XXXX {$100.00} In addition, this is reported wrong. It should be categorized as a student loan, not other.

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 2022-04-27
Company: Radius Global Solutions LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 I received a notification from XXXX that Radius Global Solutions for Consumers Energy for an address of XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. The CSR at Radius Global Solutions informed me that the last 4 of my SS # matched, but the date of birth was my ex-wifes date of birth. Neither me, nor my ex-wife have ever lived in XXXX XXXX, let alone that address. This is the result of ID theft, and it needs to be removed from my credit reports at once. It is bringing down my score by over XXXX points, and I have perfect credit.

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 2021-08-20
Company: Commonwealth Financial Systems, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
one day I was looking at my credit report and it was there I have no idea how these people got my info but I know for sure it's not mine. I don't know what else to say this is the info I got from my credit report commonwealth financial for {$1000.00} they keep putting it on my report as collections for the past 3 years I think

Company response to consumer: Closed with explanation