BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: Albert Corporation
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was hacked and they used my ENTIRE paycheck. Over {$800.00} in XXXX day. The charges are all from businesses in XXXX, XXXX or XXXX. I am in XXXX. I can prove I never left. Also, looking at my previous charge pattern, I dont eat out. I dont know how XXXX person could make XXXX different restaurant purchases and XXXX different movie theatre purchases in a few hours. 

This happened on a Friday. Everyone gets paid on Friday. These charges happening after I got paid is not indicative of any special awareness of my account balance. Friday is payday for everyone. 

I was not aware of the charges until I got an insufficient funds message. The thiefs obviously just kept charging until something got declined. I immediately froze my card and XXXX more charges tried to come through after that. 

You are FDIC insured for this sort of occurrence. Why is my claim being denied when its so obviously fraud??? The transaction pattern is definitely indicative of fraud. XXXX restaurants and XXXX movie theatres in 1 day?! 

I just opened this XXXX account and this is my second direct deposit and someone drains my account?? Ive had my XXXX account for years and never had any issues. So this is a security issue on your end and I need my money back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: HCFS Healthcare Financial Services of TeamHealth
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:
This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: WSFS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX did respond to my complaint by saying they did not own the loan so they did not have to do anything to help. I contacted the owner they also did nothing to help my wife and I. 

Mortgage owner is : Wilmington Savings Fund Society FSB, not in its individual capacity, but solely as owner trustee of XXXX XXXX XXXX c/o Wilmington Savings Fund Society FSB XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX : XXXX XXXX Loan number- 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 2017-08-31
Company: Allied Collection Services, Inc. (Nevada)
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: Account information incorrect

Complaint:
Allied Collection Service reported the exact same accounts twice on my credit report. I paid them {$330.00} on XX/XX/XXXX. I was told that both accounts would be deleted which 1 by the way was false information because the account was inserted on my credit report twice with the same exact same account number, the exact same company and the exact same amount. I have yet to receive a deletion letter as I was told on several occasions. Each time I call they tell me that all calls are recorded but coincidently they can not find the recorded call where I was told that the account would bed deleted. Once the 1st account was updated as paid instead of deleted I called explaining that I was told that the both accounts should have been deleted. I have spoken with several supervisors that told me they would follow up with me and did n't. As of todays date XX/XX/XXXX ( over a month in a half at this point ) supervisor XXXX XXXX advised me that my deletion letter was requested today and will be mailed out no later than tomorrow and to give it 7-10 business days before receiving it. I have absolutely no faith in that ( hence the reason I am still writing the complaint ). This is mistake on Allied 's part that needs to be resolved. They had no valid reason for reporting the same account twice on my credit report and then not update neither of them correctly as promised.

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 2017-04-13
Company: Hillcrest Davidson & Associates
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed a contract with XXXX. two years in I was XXXX in my home five days after XXXX and attempted to push panic button behind locked door. nothing happened. I realized something was wrong. I filed a police report and then called security company. I told them what happened and I needed them to come asap to fix it because I feared the XXXX would come back. they told me they would be out in 7 to 10 days. I asked for a manager and insisted they come immediately. they said they would note this on my account. they never showed I called back and complained again. they said they came out and I was n't at home. do n't know when that was but I worked so there is no telling. I again told them to please fix my system They were withdrawing automatic from my account for three months while my system was broken.. around three months later my home was broken into and robbed. again no alarm because they never came to fix it. another police report was filed. my damages totaled more than what I owed them for the " contract '' they were determined to hold me to which by the way was five years. I had to get bank to stop them from taking money. they refused to relieve me of the contract and turned me over to hillcrest Davidson collections. they demanded I pay the rest of the contract of {$1600.00}. when I was XXXX for a year. I lived alone at time and was scared to death for 3 months and had my mom come stay with me. I spoke to a lawyer that said I had an excellent case and when I was ready he was ready to chew them up and spit them out. but I did n't have money to hire him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been fighting the accuracy of my 12 student loans that have been out of default sine last year of XX/XX/XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a zero balance as i have also consolidated all of the 12 loans into 1 loan! I sent a email to the CEO of XXXX and got a email back from one of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XX/XX/XXXX! Now in XX/XX/XXXXi had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of XXXX past due as that event happened before i rehabbed my loans although XXXX the ORIGINAL bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only 3 of the 12 loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next year XX/XX/XXXX! but these 12 accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought 3 of the 12 loans.

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 2017-04-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Equifax and provided them my police report, my drivers license, copy of a bill, and social security card and made them aware that multiple inquiries appeared on my credit report as a result of identity theft. I have asked them to investigate the matter in accordance with the FRCA, but they have refused to do so. I have asked multiple times in writing that the fraudulent inquires be removed from my credit report, and Equifax refuses to do so. The following inquiries are fraudulent. 

XXXX XX/XX/XXXX ( Fraudulent Inquiry ) XXXX XX/XX/XXXX ( Fraudulent Inquiry ) XXXX XX/XX/XXXX ( Fraudulent Inquiry ) XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiry ) XXXX XX/XX/XXXX ( Fraudulent Inquiry ) These are not my inquiries and were initiated as a result of identity theft and should be blocked from my credit file since they are not mine and therefor not a true and accurate record of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have collections on XXXX XXXX, and Transuion that do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX {$350.00}

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 2017-08-02
Company: Northland Group Inc
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I previously instructed XXXX to discontinue communications with me in all shape, manner and/or form. Recently XXXX representatives have begun contacting me regarding information I sent to the CEO 's Office. I have not communicated and/or forwarded information to the CEO 's office since I instructed XXXX to cease and desist. They in turn have begun calling and sending emails and XXXX Message notices. This is in strict violation of the cease and desist. Additionally, XXXX sold the alleged credti card debt to the Northland Group who in turn have been contacting me. Due to this transaction, XXXX does not even have standing and/or an interest basis to be contacting me except to harass. I provided the Northland Groupd an opportunity to provide me strict proof of any debt obligation related to the credit card debt they are seeking to collect but they failed to so so. As a result, I have also ordered the Northland Group to cease an desist in all forms of communications. The correspondence ( s ) are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: MI
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 fain Credit Reporting act XXXX Account number XXXX XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 fain Credit Reporting act XXXX Account number XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2021-06-04
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted Equifax numerous times since almost 2 weeks now but the issue has not been resolved. I can not login to my account to dispute a report. I have brought this issue to their attention, however, I am often getting the run around and they have not been able to resolve this issue. Hence, I decided to seek help here as my credit score is very important to me. I would like to resolve the dispute issue in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " YOUR EMAIL HERE ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed on a job site. I was sent a check that was not a good check. I was asked to send money over XXXX and then it clicked the check was a scam. Wells Fargo will not work with me on the check not being owed to the bank by myself. XXXX is investigating the transfer. I need Wells Fargo to make my account good again and show I don't owe them money.

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 2018-06-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account online with XXXX XXXX on XX/XX/XXXX through a link they were promoting at the time to receive a {$150.00} sign up bonus. I opened the account through the link online and met the direct deposit requirements within 60 days as they acknowledged in their delayed response in their secure message response ( late XX/XX/XXXX),  after messaging them at least 1-2 weeks earlier. After having already waited beyond the expected timeframe of ~90 days following direct deposit for bonus to post, I still have not received my bonus. I then messaged them again and then they told me to wait 90-145 days after opening the account. I opened the account on XX/XX/XXXX. It is now XX/XX/XXXX, nearly 5 months later ( beyond 145 days ). Still no bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On  XXXX   XXXX ,   XXXX  , I called TransUnion to dispute the inquiry on my credit report. When speaking to  one  of Transunion 's employee 's, I was informed that the inquiry would be coming off my credit report in  XXXX  so there was no further action needed. It is very unprofessional to ask someone to wait to have inaccurate information on their credit report just because it will be removed in a few months. On  XXXX   XXXX ,   XXXX  , I sent a certified letter to Transunion asking to remove an inquiry on my credit report as I have not requested the company to run my credit. I received an updated copy of my credit report on  XXXX / XXXX /  XXXX   which is still showing the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: Dynamic Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me once or twice a day from various different phone numbers with KY area codes/the same area code as my own number. It has been happening for weeks. They've also tried texting me repeatedly. I'm a full time XXXX XXXX and part time worker with XXXX  and various other XXXX XXXX XXXX. They call me over and over when I'm trying to focus and get my work done which is hard enough on its own just due to my XXXX  and other issues. It's really becoming an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: DriveTime
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I signed a contract with drive time on XX/XX/22 and was never given 2 copies of information informing me of might rights to rescind. As if they were intentionally misleading me. I recently submitted a affidavit of rescission to drive time at XXXX XXXX XXXX XXXX XXXX fl XXXX on XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was fraudulently enrolled in debt protection on my  Citibank Best  Buy Credit  XXXX . I cancelled the enrolled service over the phone on  XXXX , but my request for refund was denied. I understand Citi was forced to pay back $  XXXX  in fees as well as assessed $  XXXX  in fines for these exact activities. The  XXXX   XXXX   XXXX  customer service line gave me an address to send my refund appeal :  XXXX   XXXX   XXXX ,  XXXX   XXXX  Texas  XXXX . I 'm sick of the run around and want Best Buy and Citi to make this right.

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 2017-08-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had a foreclosure with XXXX XXXX 4 years ago and they continue to report it as a missed payment every month even though the house was sold 4 years ago so on my credit report it looks as though I 'm still missing payments and in arrears

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
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: Account status incorrect

Complaint:
I had a foreclosure with XXXX XXXX 4 years ago and they continue to report it as a missed payment every month even though the house was sold 4 years ago so on my credit report it looks as though I 'm still missing payments and in arrears

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 2022-03-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Uniform Commercial Code Article 9-210 I am requesting accounting of the alleged debt. 

This information has has violated my rights under the FCRA. This has caused mental stress, loss of opportunities, Credit loss to say the least. I am unable to purchase a home for my family. 

By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof, update my payment history, remove negative remarks and change to PAANL status ( Paid as Agreed, Never Late ).

I will be seeking { {$5000.00} } in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 disputed this account several times because of incorrect information! I asked the company to remove the account and they agreed! The account was deleted, but now 3 months later its back on my credit report and they did not give me any notice which they are suppose 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 non-monetary relief