BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: Experian Information Solutions 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:
The following account with XXXX XXXX : XXXX is a fraudulent and unauthorized account. I did not apply for the account. The account was opened up fraudulently. The account is not my account.

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 2022-08-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, my daughter and I were corresponding with an individual via XXXX XXXX about purchasing a concert ticket from an individual. When the individual stated that she had a ticket for purchase we asked her to send a screenshot of the purchase confirmation so we could see that she actually had a ticket to sell. We compared it to a legit email that someone else had from their purchase and everything appeared good. The individual stated that she would like the money sent with XXXX and she provided the email address associated with the account to send it to. The name was different that the XXXX name but she stated it was because she uses a relatives account. After the money was sent, she stated she was changing the name on the ticket and would email it soon. For a couple minutes after the transaction she continue to conversate stating she was changing the name through the company and she would send it over shortly. After a while, she blocked my daughter and would not respond to her. I tired to send her messages and she would not respond to myself. I reported her through XXXX as did several other individuals. I filed a police report with the local police. I contacted my bank and opened a claim. When I filed the claim, they took minimal information. They never called for any follow up, never asked for any type of documentation, nothing. I have screenshots of all the conversations, I have the police report number and everything and the bank never once contacted me or asked for anything. I received a letter in the mail stating it was an authorized transaction and they would not be refunding me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions 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:
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 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector many not communicate with a consumer in connection with the collection of any debt.

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 2022-08-01
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A certified letter was sent to Transfinancial Companies on XXXXXXXX ( United States Postal Services display " delivered '' from a company representative on XXXX at XXXX am ; Tracking # XXXX ) displaying their Violations of Fair Credit Reporting Acts & Violation of HIPPA. Transfinancial Companies has ignored the complaint, failed to respond and failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX. See attatched document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate accounts appeared on my Transunion credit report. FTC ID Theft report # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm lost, I don't know what to do. I am a victim of identity thef and I need help because my credit has really been affecte. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deepl affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2020-04-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
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:
Since XXXX, XXXX, I have worked tirelessly to resolve a straightforward credit reporting dispute with PennyMac to no avail. Communication to Pennymac over this period has included over a dozen phone calls, a half dozen faxes, and a written request for records. 

Overview : In Q2 XXXX, PennyMac disabled my ability to make automatic payments and payment by phone and web when an automatic payment failed to process. This imposed a substantial burden upon myself, as under Pennymacs limited certified funds status, I was left solely with the option to mail cashiers checks, which I would not be able to do while traveling internationally. 

On a XXXX XXXX XXXX phone call, I requested a Pennymac agent allow me to pay by wire transfer -- I was trying to make an effort to get payment in as soon as possible to avoid adverse impact to my credit report. Per account notes furnished by PennyMac, the agent ADVISED THAT [ PennyMac ] ONLY LIKE [ s ] TO USE [ wire transfers ] TO PAYOFF THE LOAN. The notes indicate that I informed the agent this was the only way I could make payment ( BWR STATED THAT IS THE ONLY WAS ( sic ) TO MAKE PYMTS ) and that the representative informed me I was would be in the limited certified funds status until XX/XX/XXXX ( ADVISED THAT MUST HAVE CERTIFIED PYMTS UNTIL XX/XX/XXXX ). Finally, the representative provides me with " payoff information '' and documents that I will wire that day. 

Throughout my correspondence with PennyMac since XXXX, XXXX, I have maintained that they should not have reported delinquent payments to credit bureaus, as they did not provide me with a way to make payment. 

In a XX/XX/XXXX letter enclosed with the production of records I had requested, a PennyMac representative erroneously states that the certified funds limitation was removed in XX/XX/XXXX, which is contradicted by the notes of the representative on XX/XX/XXXX : " My research confirmed that due to the number of returned payments received for your mortgage loan, PennyMac placed a certified funds requirement on your account on XX/XX/XXXX, and canceled your AutoPay. Further research confirms that due to the hardship the certified funds requirement caused, PennyMac removed the requirement as a courtesy in XX/XX/XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: AFNI 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:
My identity was stolen. Someone made purchases and obtain accounts in my name! The issue was reported to the federal government ( FTC ) as well as the credit bureaus and each company. The companies honored the removal requests after reviewing the appropriate documents, however, those same companies sold the accounts to debt collectors or other debt buying companies, and now the accounts are reporting again under new companies. Its devastating to say the least!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: INTERNATIONAL BANCSHARES CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX of 2022, I had done XXXX transactions. The amount was {$21.00} through XXXX. The others were {$21.00} through XXXX XXXX. I was supposed to have sent {$40.00} to a seller for some virtual items for a video game, but we were having issues getting the last {$20.00} to them so we had to use XXXX XXXX. 

The reason there is XXXX transactions is because I had sent the money to a receiver that the seller told me to send the money to, but after I had sent it, said the receiver was having issues retrieving the money. They gave me another person 's information to send the money to. However, the seller never gave me the virtual items and I had to file a dispute with my bank - International Bank of Commerce. On top of this, the seller suddenly disappeared from social media so it wasn't as if I could easily get my money back. I explained the situation to IBC and they gave me temporary credit. 

Now, over the weekend, I was given a letter saying that they were going to remove this temporary credit on XX/XX/XXXX because they found no errors in that instance. It is currently XX/XX/2022 at the time of me typing this out. I called IBC and asked why they would do this because I still don't have the items and the seller still disappeared. I can't even get a hold of them. They then said that the situation was out of their hands and I would have to contact local law enforcement. 

I contacted local law enforcement and they looked at me very confused. They actually told me there was nothing they can do because it was through XXXX XXXX. Essentially, I am now out of the total amount of {$65.00}. I am very mad that I was not prot

ected AT ALL by IBC Bank and I am demanding my money back. Now that I know IB
C Bank does NOT care about your money or the consumer, I will be closing the account soon once this matter gets resolved. DO NOT bank with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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:
Went to XXXX  XXXX XXXX to open checking account ( s ) in 2017. I requested to open 2 checking accounts for 2 different types of employment. Instead of explaining to me that I could or couldn't open 2 checking accounts, personnel in the branch groped my personal information from me and brought back to me a checking and savings account. After leaving and performing 2 or 3 test transactions to the accounts, I learned it wasn't 2 checking accounts that were opened. XXXX XXXX XXXX stole my personal info and over 5 months later behind my back reported me to chexsystems that I had committed fraud. Chexsystems then sided with the fraudulent bank branch and put my name in chexsystems for " suspected fraud '' after I emailed them photos of paperwork from XXXX  XXXX XXXX showing the 2 or 3 test transactions of {$0.00} monetary loss. This kept me from being approved to open a simple bank account with several different banks. There was no fraud in using {$50.00} to simply open 2 separate accounts. This problem has persisted, chexsystems continues to hold my name on file for " suspected fraud '' with no proof or showing of any fraud. This was identity theft by both institutions working to commit a hate crime and use branch power to hide their activity. There is NO evidence of fraud by 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 2022-12-10
Company: ROBINHOOD MARKETS INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Robinhood cash card account customer service and disputes team neglect my need for help when filing a dispute they have not listed all charges and when they do file a dispute they dont help me at all they deny my claims for unauthorized transactions every time they send a new card then deem the transaction valid when its not valid Ive asked and called them multiple times to solve this issue. Most recently I filed disputes on XX/XX/2022 and they deemed the transactions valid then I cant list all transactions because they wont allow me I have not had access to my account someone was using my card my phone was stolen and they never help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous request for debt validation in accordance with 15 USC 1692g. I have requested debt validation on the following dates XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX which is well over the legally required 30 days you had to prove the validity of this dept to me. To date all I have received is 1 copy of a credit card statement on 3 or 4 different occasions. I have made many attempts to request the following information : 1. Full accounting for this account 2. Copy of assignment of purchase from the original creditor.

3. Every charge and what was purchased from the creditor.

4. How you calculated what you claim I owe.

5. Full chain of assignments from charge off to present.

6. Proof that you own the debt with full and clear title.

7. Proof that you were on the original contract I have also disputed with the 3 major credit bureaus as well. I have done my due diligence as a consumer and my rights continue to be violated by there disregard of my numerous request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX XXXX Someone called me and pretended to be a us bank employee and said that there are three pending charges via XXXX and they were wondering if I authorized those. I said no and we went through the process to reverse them only to find out that that person was taking my money. Three transfers totaling {$3400.00}.

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 explanation
Consumer complaint received 2021-01-17
Company: EQUIFAX, INC.
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 am resubmitting this dispute. I am verifying that this is me who is disputing these fraudulent items. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX my wife and I were separating and as part of that process wanted to transfer the financial responsibility of our home over to me so she could purchase a home. We spoke with a mortgage representative at Wells Fargo and explained the situation and they agreed to help us refinance so everything was in my name. In XXXX of XXXX I attempted to refinance the home only to find out that they never transferred the title to the home only the mortgage over to me. I was denied the refinance due to the fact that I do not own the home. I contacted Wells Fargo and after 3 months they finally told me that no request to transfer the title was made at the time of the refinance and that it was my responsibility to correct the issue. I currently have a mortgage with Wells Fargo in the amount of {$170000.00} on a home I don't own and they are unwilling to assist or take any responsibility for that. I don't know if I have any legal recourse in this matter and would appreciate any help I could get.

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 2021-08-03
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: ONLINE Information Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Can you please show me based on the law you have the right to access a person 's medical file while not being authorized by that person? I consumer XXXX XXXX notice Online Informations Systems debt but they can not have my personal information because I as a consumer didn't give them permission to. This is a violation of XXXX which indeed every XXXX  office says the adhere to. I am not acknowledging this debt as mine but I am speaking on the matter of this debt on my credit report. They are defaming my character and violating my rights as a consumer according to 15 USC 1692. I have attached my license to use a verification tool only to verify the person sending this complaint not to acknowledge this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have been trying to contact this company on multiple occasions and no one has returned my phone calls. I have been trying to resolve this debt by getting on a payment plan because there is no way that I can pay the full amount in one pay and Im also not sure the the full amount is correct. All I keep getting are threatening letters that I can not contact the company and they are taking me to court to sue and Im sick of being harassed by a company that I have never even spoken with so how can I trust that the debt is even valid with them. The company is Midland for XXXX XXXX and the amount is XXXX. Im sick of being harassed and not being able to get this under control all my other debt is being handled but this one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citi card turned on what was supposed to be an optional fee for credit protection services without asking if we wanted it. We had no idea that there was extra money being charged every month for a service that my wife and I never wanted and never agreed to. The company refuses too take any responsibility, saying it's on us to inspect our bills and see if they have added any new services without permission. We've been struggling for the last few years to pay off our debt with this company and the extra money that was going to the credit protection services is a direct cause of us not being able to get this debt under control. They can't or won't provide any proof that we agreed to the optional service. We never did.

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