BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Starting on XX/XX/XXXX, multiple unauthorized ACH withdrawals were made from my Wells Fargo checking account to a XXXX XXXX brokerage account in my name. I reason that the only way that could be possible is if my identity were stolen, so I froze my credit. I had my phone stolen in XXXX, and filed a police report with XXXX PD about the theft, so that could have been the source of the identity theft. My computer also could have gotten infected with a keylogger that led to the theft. 

The specific dates and amounts in question are : {$5000.00} XX/XX/20 {$25000.00} XX/XX/20 {$4800.00} XX/XX/20 {$750.00} XX/XX/20 {$15000.00} XX/XX/20 {$5500.00} XX/XX/20 {$1600.00} XX/XX/20 {$1900.00} XX/XX/20 {$6000.00} XX/XX/20 {$4600.00} XX/XX/20 {$5400.00} XX/XX/20 {$9000.00} XX/XX/20 {$2900.00} XX/XX/20 {$3000.00} XX/XX/20 Prior to these withdrawals, there were deposits into my account from an account with a different name from mine that I did not authorize. I suspect that my Wells Fargo account was being used as a funnel to move money to the thief. 

I did not realize the transactions immediately because I do not check my balance often, and my balance fluctuates due to recurring preauthorized transactions and direct deposits. I was never notified about these transactions by Wells Fargo even though this is extremely unusual behavior for my account -- I never make large ACH withdrawals. 

I noticed the unauthorized transactions on XX/XX/XXXX after receiving an " insufficient funds '' notification a few days prior to that, and was confused as to how I could have insufficient funds. I filed a claim on XX/XX/XXXX ( well within the time period permitted by Regulation E ) by calling Wells Fargo and noting unauthorized transactions on my account. 

The investigator assigned to the claim denied the claim on XX/XX/XXXX. She took issue with the fact that I logged into my Wells Fargo account in the time period after the ACH transactions were made and claimed that I would have noticed the funds missing. She also thought it was suspicious that funds were deposited to cover the withdrawals, even though those deposits came from an account that isn't in my name. 

My understanding of Reg E is that I don't need to be a perfect customer who checks all of their transactions every day -- I have a busy life and do not have the time to note every transaction. I reported the unauthorized withdrawals within the 60 day period, as soon as I noticed them, and I should be entitled to receive the considerable sum that was stolen from me. The investigator was unfair in her assessment of the situation and seemed to focus on what I should have done, not what I was required by law to do.

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 2020-07-21
Company: EQUIFAX, 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:
showing address that don't belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: EQUIFAX, INC.
State: NE
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 sent a validation letter return receipt to XXXX XXXX XXXX and was signed for on XX/XX/XXXX. Since the debt was unable to be validated and XXXX XXXX not licensed to collect debts in Nebraska the collection was removed from XXXX and XXXX but not Equifax. Equifax needs to follow suit and remove from my credit file as it is adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
All 3 agencie are letting 3rd party reporting over and over, even though it was deemed not mine several times. I complained after reading it was against the law to have 3rd party collection agencies appear on my report. yet all 3 are letting them report and now wont even discuss the fact they are breaking their own Laws. Now there is something on my credit from a check cashing company which I have not used since 1992 WHY ARE THESE PEOPLE CONTINUALLY BREAKING THE LAWS AND NOT BEING HELD LIABLE??

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 2020-07-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I signed up for a store card serviced by Synchrony Financial. Without my consent, I was signed up for a significant monthly " card protection '' fee. They did ultimately agree to cancel the fee and refund, but this unethical practice needs to be reported nonetheless.

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 2021-06-26
Company: EQUIFAX, INC.
State: MN
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:
There's an account on my credit report that do not belong to me. Please remove it in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: EQUIFAX, INC.
State: CA
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:
Today : XX/XX/2019 I went onto XXXX and noticed two unauthorized hard inquiries on my credit report. 
First company reported hard inquiryXX/XX/2019 from : XXXX/XXXX XXXX, FL XXXX ( XXXX ) XXXX Second company reported hard inquiry XX/XX/2019 from : XXXX XXXX, DE XXXX ( XXXX ) XXXX I never authorized either of these two above companies to check my credit. I haven't tried to get a new line of credit, whatsoever. I contacted both of the above companies directly and the calls where an automated advertisement company offering products. I have no information on how to get in contact with these false companies to address this issue and I'm concerned my credit may become jeopardized if this is not taken care of soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: NC
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'VE BEEN IN CONTACT WITH THE EXTENDED SPECIAL SERVICES FRAUD DEPARTMENT WITH EXPERIAN AND SHOWED THEM PROOF WITH A POLICE REPORT, COURT DOCUMENTS, FTC REPORT AND ARREST FROM THE PERSON WHO STOLE MY PERSONAL INFORMATION. EXPERIAN STILL WANT TAKE THIS LOAN OFF THAT IS FRAUD, BUT THEY REMOVED THE INQUIRE THAT OPENED THIS LOAN AS FRAUD AND BLOCKED IT AND REMOVED IT AND PUT A FRAUD ALERT ON MY CREDIT FILE. THE OTHER 2 CREDIT BUREAUS REMOVED THOSE ACCOUNTS AND BLOCKED IT. BUT NOTHING I SHOW EXPERIAN FRAUD DEPARTMENT IS NEVER OOD ENOUGH. IM XXXX AND RETIRED XXXX XXXX  IN NC FOR OVER 28 YEARS AND I'VE NEVER SEEN BANKS AND CREDIT BUREAUS ACT THE WAY THEY ACT. I WANT THIS ACCOUNT REMOVED ASAP PLEASE OR I'LL HAVE NOT CHOICE TO FILE PAPERS UNDER THE FAIR CREDIT ACT, BECAUSE I STILL HAVE NEVER RECEIVED ANYTHING CONCERNING THIS LOAN EXCEPT HEAR SAY FROM EXPERAIN AND XXXX XXXX. PLUS THE ACCOUNT WAS OPENED UNDER A FRAUD ADDRESS IN SOUTH CAROLINA AND EXPERIAN DID REMOVE THAT ADDRESS AS FRAUD BUT THAT WAS THE ONLY ACCOUNT ON MY EXPERIAN CREDIT FILE ATTACHED TO THAT FRAUD ADDRESS, SO WHY WOULD THEY REMOVE THE ACCOUNT. PLEASE REMOVE

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was making payments and then my account was sold to another company and I was not forwarded any information on where to send the other payments to. This has now resulted in them trying to garnish my wages. I barely make any money now and have XXXX kids that I am responsible for. I feel like this is unfair because I literally have tried to contact someone to try and set up payment arrangements but every time they just say, we do n't own the account anymore and give me a new number and contact, just for them to say the same thing. It is really unfortunate and the fact that I took out student loans to help for college feels like the worst mistake I ever made. I feel like a prisoner. I am scared. My private student loans are with national collegiate student trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX, I deposited my paycheck from my employer, XXXX XXXX XXXX XXXX, into my checking account. This check was for roughly the same amount ( +/- {$200.00} ) and deposited at roughly the same time ( +/- a week ) as all other checks from that entity received each month over the past 2 years. At some point, Bank of America decided to put a hold on that check, holding it until XX/XX/XXXX, without informing me of why. On XX/XX/XXXX, my landlord cashed my rent check, dated XX/XX/XXXX, which caused my account to overdraw by almost {$1000.00} due to Bank of America not making my paycheck available to me. I was assessed an overdraft fee of {$35.00}. On XX/XX/XXXX, I discovered my check had been returned anyway, and that overdraft fee became a " return fee. '' As per my lease, my apartment will be assessing me a returned check fee as well, and a late rent fee. 

During a call with customer service on XX/XX/XXXX at roughly XXXX XXXX   PST, I was repeatedly informed that they had no authority to release my paycheck and make the funds available. After threatening to report them to the CFPB, Bank of America released my paycheck on XX/XX/XXXX, but refused to overturn the returned check fee, and would offer me nothing to make me whole for the fees that my apartment is assessing me due to Bank of America 's activities. 

In their initial insistence that they had no authority to release my held check, and then their subsequent releasing of said check after I threatened to report them, Bank of America has demonstrated the arbitrary nature of their check-holding process. It is in their best interests to withhold customer deposits and collect the associated fees. This is similar to the XX/XX/XXXX class-action lawsuit alleging abuses of their overdraft fee system, which was settled in a XXXX XXXX federal court for 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 2022-12-18
Company: Global Lending Services LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX and other companies fraudulently pulled my credit report without my authorization. These unquurues were not authorized and are fraudulent : XXXX XXXX Global Lending Services XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX. XXXX my SS is XXXX, my DOB is XXXX the following addresses are not accurate please remove/delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX purchased tickets for XXXX XXXX XXXX through XXXX in the amount of {$1200.00} XX/XX/XXXX found out that XXXX has issued warnings against XXXX, declaring the merchant an unauthorized seller and warning people that they will not XXXX ticket holders into the stadium. XXXX has filed a criminal complaint in a XXXX court, declaring the tickets " illegal '' and " illicit '' XX/XX/XXXX as soon as I found out, I contacted the bank to cease the transaction and did not resell the tickets because of the illicit nature of the tickets XX/XX/XXXX - XX/XX/XXXX asked XXXX for refund and for them to not send me the tickets. They aggressively continued insisting and passed along my information to the sellers who contacted me personally. ( I or the XXXX host in XXXX XXXX never received the tickets. ) XX/XX/XXXX Purchased ticket through XXXX and through a friend in XXXX XX/XX/XXXX Even though XXXX has sued XXXX, it refuses request to send a letter citing " lack of contractual obligation '' XX/XX/XXXX I  reply to XXXX saying that all I need is a letter declaring their policy and that they would not have let me into the stadium with a XXXX ticket XX/XX/XXXX-XX/XX/XXXX After not getting results via phone, contacted XXXX via form again, again requesting a simple letter that they would not have me into a stadium with a ticket from XXXX. XX/XX/XXXX XXXX responds with the same generic message XX/XX/XXXX Bank of America requests documents but notes that the final decision is in the hands of the merchant, which is a scammer. XXXX will certainly refuse and take my money. XXXX is subject of lawsuit in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, the XXXX and XXXX. It has been fined in XXXX. XX/XX/XXXX Filed complained with the FTC, though it says it can not intervene in individual matters. Encouraging " Victims of XXXX '' who are based in the US to do the same if XXXX refuses to refund. Bank of America is putting me in an unfair position with a scammer.

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 2018-02-13
Company: I.C. System, Inc.
State: CA
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 XXXX Potentially Negative potentially negative icon show account button XXXX Account Number {$400.00} Balance XX/XX/XXXX Date Opened Collection account. {$400.00} past due as of XX/XX/XXXX. 

Status

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 2020-10-20
Company: Social Finance, Inc.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, money exited my checking account without my authorization or consent. The bank indicated said they made a mistake and sent money out of my account in error. They have done nothing to fix it on their side and I have not received any confirmation that they will do anything to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: EQUIFAX, INC.
State: MI
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:
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ stall tactics. They stated that they received a letter from an " unauthorized third party credit repair company '' when in fact I sent the letters that I had notarized with an official seal. Additionally, I sent the letters with a copy of my my state drivers license as well as my social security card which were also provided to the notary as proof of my identity. 

I in turn sent a second letter demanding a timely investigation and resolution to this manner. Equifax has this denied me this right a second time by sending a response failing to provide results. The rationale was : " Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute ''. 

This is precisely what I provided them with in the first place on XX/XX/2020. We are now closing XX/XX/2020 and I still have not received a timely investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AD ASTRA RECOVERY at XXXX XXXX XXXX XXXXXXXX XXXX, KS. XXXX has been sending me collection notices in the amount of {$230.00}. the collection is being reported as late balance. I do not acknowledge AD ASTRA RECOVERY and have not every done business with them. Nor have i agreed to any terms or have a written contract with AD ASTRA RECOVERY, they are harassing me with negative reporting, they have failed to provide the proof of signature i requested numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hi CFPB and Citi Bank Compliant office, I have a citi bank credit card with a credit balance of {$150.00}. I requested bank to deposit the amount to my checking account or send me a check to my address. 
I called citi bank customer care several time ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and online remote agents failed to provide any solution to this problem. Citi online agents said they are investigating and providing me no solution.

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 2018-02-13
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A person called me from XXXX XXXX XXXX XXXX last week and I informed representative to remove my number and do not contact me again. The past week I received 2 calls which I did not answer. Then today I have received a collection letter in the mail from this company. At this point, this collection agency is in violation of the FCPA. One I want this company to stop all communication and second be held liable for there actions and tactics. I do not owe this bill I have returned the product account number XXXX

Company response to consumer: Closed with explanation