BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: WHEELS FINANCIAL GROUP, LLC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts mentioned in this complaint has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: LEXISNEXIS
State: MD
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 and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Ive Been having an issue with Transunion, XXXX, and XXXX updating my personal information. I have contact them on several occasions ( XX/XX/2022 ; ( XX/XX/2022 ) via certified mail and they have had blatant disregard to what i have asked. The only name that need to be on my consumer report is XXXX XXXX and the only address that needs to be reporting is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please remove all other names, addresses, and jobs as they do not belong to me or associated with me by any means. 

Also this is inaccurate accounts reporting on my consumer report and I'm requesting they send me a debt validation letter for the following accounts XXXX XXXXXXXX acct # XXXX XXXX acct # XXXX COLLECTION ( Original Creditor : COLLECTION ) 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 2022-08-02
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX Unsubscribe Sat, XX/XX/2020, XXXX XXXX XXXX XXXX notified me of a change in my credit report. I called the phone number several times no answer did leave a message and followed up with a letter in response to the company not notifying me directly before putting this on my credit report. A copy of the letter is attached and it was removed from my credit report for them to now put back on the XXXX and Experian credit reporting. 

I am disputing this collection because you posted this on my credit report on XXXX XXXX which means it was posted then you started the process way before without contacting me directly. There would be no reason you could have not reached me directly.

My address and numbers are listed, and I would think the company gave you, my information. Which has not changed in 3.5 years. You need to remove this notice from my credit report and address that first. I have already filed a complaint with XXXX and XXXX. 

After this covid, it and they now went ahead and put it back on the reports again. without contacting me. So again debt was addressed and removed and then put back on again with again a later date.

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 2022-10-23
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: Reporting company used your report improperly

Complaint:
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 : also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: T.S. Holdings
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Identity theft. Harassing letters sent to my home. Violation of debt collection policy 's. Reporting fraudulent information to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX Unsubscribe Sat, XX/XX/2020, XXXX XXXXXXXX XXXX XXXX  notified me of a change in my credit report. I called the phone number several times no answer did leave a message and followed up with a letter in response to the company not notifying me directly before putting this on my credit report. A copy of the letter is attached and it was removed from my credit report for them to now put back on the XXXX and XXXX credit reporting. 

I am disputing this collection because you posted this on my credit report on XXXX XXXX which means it was posted then you started the process way before without contacting me directly. There would be no reason you could have not reached me directly. 

My address and numbers are listed, and I would think the company gave you, my information. Which has not changed in 3.5 years. You need to remove this notice from my credit report and address that first. I have already filed a complaint with TransUnion and XXXX. 

After this covid, it and they now went ahead and put it back on the reports again. without contacting me. So again debt was addressed and removed and then put back on again with again a later date.

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 2021-08-04
Company: Experian Information Solutions Inc.
State: TN
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 received a copy of my credit report and found an account that does not belong to me. I did not open this account. The account is with XXXX XXXX XXXXXXXX XXXX. I do not have any accounts with this company nor have I ever.

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 2022-12-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Wells Fargo Debit card was stolen along with my cell phone and other belongings between XX/XX/XXXX and XX/XX/XXXX. I was not able to report the the theft of my card immediately due to the Trauma that I had suffered as well as the fact that my cell phone had also been stolen. Due to this unfortunate event on XX/XX/XXXX I visited the Wells Fargo Branch located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX in person to report that my Debit Card had been stolen. I inquired and went over several transactions with a bank representative and pointed out/ confirmed that those transactions were fraudulent and not authorized by me. The bank representative assured me that the debit card would be canceled and transactions reported. On XX/XX/XXXX I checked the activity on my account and discovered that the fraudulent transactions continued. There were numerous attempts to withdraw funds and purchase items and other services. Wells Fargo continue to authorized over 27 fraudulent transactions after I had already reported the Debit Card stolen and at any time, attempted to contact me to verified/ confirm the validity of the transactions. An approximate {$2700.00} were stolen as well as over {$900.00} in over draft fees were charged to my account. I reported and filed a claim for this lost with Wells Fargo at that very moment on XX/XX/XXXX. 
Wells Fargo later made the egregious, unethical, irresponsible decision to denied my claim. This has been an extremely traumatic experience for 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 monetary relief
Consumer complaint received 2022-04-20
Company: Social Finance, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I was charged over {$900.00} for multiple fees that I believe were made up by the company as every account I transferred money from had money in them at the time of transfer and I was charged for the same transaction of a {$300.00} transfer which was a mistake by me and/or the application being used. I should not have been charged over {$900.00} in fees! Please help me get my money back. SoFi demanded for me to pay over {$900.00} and it was taken out of accounts that did not have the funds by them! I was told that they took it out when the initial account used for the transfer was empty. Now my XXXX account is negative over {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My daughter received a digital prepaid {$50.00} debit card after getting her Covid vaccination through the XXXX XXXX the XXXX California promotion. The debit card was only provided in virtual format that could be uploaded to XXXX XXXX on an XXXX. The card was provided by Blackhawk Network, which sent me an email on XX/XX/XXXX with a picture of the card and a link to a redemption code to redeem at myprepaidcenter.com. The photo in the email ( attached to this complaint ) clearly shows that the debit card has an expiration date of XX/XX/XXXX - XX/XX/XXXX. However, when I tried to use the card a few days ago it was rejected, and when I called the number for customer service, I was advised that the card in the email was for " illustrative purposes '' only, and that the actual expiration date of the card was XX/XX/XXXX. Since the XX/XX/XXXX expiration date appears nowhere in the email or with the card in XXXX XXXX, I asked the agent to honor the original expiration date for my debit card, or issue a replacement debit card. Despite the unclear and deceptive nature of their communications regarding the card, Blackhawk Network has refused to take any steps to rectify the situation ( see attached email from their customer service on XX/XX/XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am submitting this complaint because this organization is reporting outdated inaccurate information on my consumer report. This account is past the statue of limitations it has been reporting for over 7 years. 15 USC 1681 ( a ) states the banking system is dependent on fair and accurate credit reporting. This account is on my credit report as a duplicate account and it also is outdated I reached out to the company to resolve this information but I had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XX/XX/XXXX, I checked my credit report for the first time in a long while. I noticed MULTIPLE accounts that were NOT authorized by me, as well as MULTIPLE addresses I have NEVER been associated with. Some from other states! 

My score itself was so low due to these unauthorized accounts. The total debt accumulated from these unauthorized accounts is roughly {$10000.00}. 

I IMMEDIATELY contacted each creditor via phone AND letters. Called creditors the same day ; XXXX XXXX sent Letters via mail a few days later, still in XX/XX/XXXX. I was then advised to submit an identity theft report as well as a police report. These were completed in XXXX of XXXX. 

I sent in everything necessary to resolve these issues. I am a single mother and have been working to buy a home for me and my daughter. 

I sent letters, waited 30 days, NOTHING- I called the creditors- NOTHING. I am desperate to fix these issues. I keep getting the run around and no resolution. It is now approaching XXXX. I feel defeated and am asking for all 3 major bureaus to help assist me in investigating these fraudulent accounts and having them removed so I can move forward.

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 2021-08-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have recently become aware of Wakefield and Associates collection agency reporting dates of service multiple times. As an example, Reporting date XX/XX/21 for date of service XX/XX/21 with multiple reports on my credit report. 2-5 times duplicated of same date of service. There are so many multiples it would be difficult to dispute on my XXXX  and XXXX reports. I contacted two representatives tonight trying to explain my circumstances, to no avail. They kept telling me I had 38 collections. Of course I do, with multiple reporting on the same date of service. All I want is for them to be investigated and multiple reporting taken off my XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: PNC Bank N.A.
State: TN
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 a victim of identity theft and Im writing in regards to account number XXXX XXXX XXXX. Ive reached out to PNC on numerous occasions to dispute three fraudulent accounts ( 2 loans and 1 credit card ) that were opened without my consent and knowledge. These loans were then funded to bank accounts that were also opened as results of identity theft and have since been closed. Each time someone calls me and then I dont hear from them again. I then receive letters stating that they cant process it do to payments being made from accounts, which were the same accounts the fraudster ( s ) opened to acquire these loans. Ive since closed accounts with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX as well as couple XXXX banks. Ive reported the theft to the proper authorities and federal government however PNC still has yet to dissolve me of any of the balances and still attempts to collect on these fraudulent accounts violating my rights to a fair and just resolution. Im preparing to file a lawsuit siting numerous violations and an unwillingness to resolve this issue. 

If you all would like to discuss this urgent matter I can be reached at XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: FL
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 below accounts have violated my rights. 
XXXX  XXXX bankruptcy dismissed Reference number - XXXX XXXX XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX account number - XXXX XXXX  XXXX  - account number - XXXX XXXX  XXXX account number - XXXX DEPT OF EDUCATION/XXXX account number - XXXX XXXX XXXX XXXX account number - XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number - XXXX XXXX account number - XXXX XXXX account number - XXXX XXXX XXXX  account number - XXXX XXXX XXXX XXXX account number - 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 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 2022-08-02
Company: Capital Link Management, LLC
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:
I have been continually receiving text messages from Capital Link Management ( https : //capitallinkmanagement.com ) asking me to contact them about collecting someone else 's debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 below accounts have violated my rights. 
XXXX  XXXX bankruptcy dismissed Reference number - XXXX XXXX XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX account number - XXXX XXXX  XXXX - account number - XXXX XXXX  XXXX account number - XXXX DEPT OF EDUCATIONXXXX account number - XXXX XXXX XXXX  XXXX account number - XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number - XXXX XXXX account number - XXXX XXXX account number - XXXX XXXX XXXX account number - XXXX XXXX XXXX XXXX account number - 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 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 2022-06-09
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. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX, has violated my rights XXXXXXXX  Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights 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. 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. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX of XX/XX/2022, My paypal account got shut down without any warning whatsoever..just out of the blues I received an email informing me that my PayPal account has been permanently closed. They said the reason for closing the account is because I had continually filed cases that do not align with paypaos 's buyer protection policy. This was clearly a mistake because my account has not filed any single case since ir started operating so I was quite shocked. Paypal email address is " XXXX ''.

Company response to consumer: Closed with explanation