BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-04
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank account has been frozen. There are people placing unauthorized checks in my account without my knowledge. I am trying to close this account through TD bank ( Account XXXX XXXX ). I closed the one attached to this one. Someone is using a company printing out fraudulent checks to run through my account. Someone of interest is XXXX XXXX, of XXXX, XXXX XXXX, SC XXXX. He has hired people to making checks in vain for them to go through my name in a checking account at TD Bank, XXXX XXXX, SC, or TD Bank in XXXX XXXX, XXXX. ( Near the convention center is the one in XXXX XXXX, SC XXXX ) with the account number above. Checking account. It was frozen a year ago. And I closed my main account. I want nothing to do with this bank but to corporate. And close all connections to it. I want my name nowhere near these fake checks, and an account that isn't mine. I am aware there has been blood shed for several check in my name, and account number above. PLEASE stop this. This is extremely unholy to me. I thank you. I can't get contacted due to them inferring to dispatch services. Out fire rescue line in XXXX XXXX, SC XXXX is connected to California. And Maryland has a lot of crime started here. I have proof. Thank you for hearing me out. I XXXX  for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This account is inaccurately reporting and I've demanded Transunion to remove and discharge but they refuse. This account was verified as inaccurate by both XXXX and XXXX. They have accurately updated my reports. Transunion is aware of this and still refuse tor remove or update the account accurately. This is intentionally keeping me for gaining access to capital. I've sent an affidavit to their attorneys XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. They are still refusing to correct my consumer report. 

I've sent this request before. XXXX verified the account was inaccurate and removed it via complaint XXXX. Transunion did not remove nor provide copies of the XXXX XXXX documents requested to validate their findings. The complaint # XXXX. 

I've also asked for an inquiry, XXXX XXXX XXXX dated XX/XX/2022 to be removed. This is not my inquiry and I demand it be removed. 

It is your responsibility to make sure I'm treated fairly and my consumer rights are still being violated from this issue. Please assist me with resolving this matter this time.

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 2022-09-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I've had a checking account with Citibank for over 20 years. On XX/XX/2022, I wrote a check from my account to a family member 's LLC. Earlier this month, my brother-in-law wrote a check from that same LLC for made out to me that I deposited at a Citibank branch that later was returned as NSF. Subsequently, I made one outgoing ACH payment with funds that had been available that were also returned. 

I was able to re-deposit the check, which cleared, but during this time, my account was frozen by their fraud department. I tried calling multiple times and would be passed around to various departments and on the 5th day of calling, was told my account was being closed down and they could not elaborate as to why. 

This is my primary bank account that is tied to my mortgage, my direct deposit paycheck, my joint account with my wife, and my 16 month old daughters account. This account is my absolute financial centerpiece and with a 16 month old, a 4 month old, and a mortgage to pay for, Citibank completely disregarded the impact that they are creating. They do not even have the courtesy to call or overnight the funds so I can figure out next steps, instead stating it will arrive in 3-5 business days ( I have my next mortgage payment due before then! ). This is criminal behavior that is likely systemic and not a one off situation.

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 2022-09-23
Company: Experian Information Solutions Inc.
State: VA
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 disputed inaccurate information on my credit report and Experian keeps saying either " updated '' or verified. I have asked for proof of verification multiple times and never received it. Also if you look at the attached credit report nothing was updated which proves that the credit bureau lied! I demand this inaccurate information be removed from my report. 

Account XXXX XXXX & XXXX  again, I have never been late on these accounts. Please investigate and provide PROOF OF VERIFICATION. Failure to do so will result in me seeking an attorney to take care of damages.

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 2022-12-04
Company: Conn's, Inc.
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: Reporting company used your report improperly

Complaint:
CONNS is violating 15 U.S. Code 1681b by continuously reporting my information to a third party without my consent.

Per the FCRA as a federally protected consumer I am now opting out of any ; and all authorization, I the consumer may have given you written, unwritten, verbal, and or non-verbal per 15 USC 1602.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: WESTERN UNION COMPANY, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX I sent {$5000.00} via WesternUnion to make a mortgage payment. When I called the mortgage servicer to give them the confirmation, they informed that they do not accept WesternUnion. The payee on behalf of the mortgage company is XXXX XXXX. A refund request was issued on XX/XX/XXXX. I have yet to receive it. I have called many, many, many times and I always get the same reply. Its under expedited investigation, please call back in 1-3 days. This mortgage payment was split into XXXX transactions. The first transaction for XXXX was already refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive requested through XXXX, XXXX and XXXX for the Prof Debt Account XXXX debt collector to validate the information by providing supporting documentation with the original creditor documents that was sent over to them ( debt collector ) to support the collection on file. I have yet to receive any documents to support that the account insure accurate and correct. I only received a verified status on the credit bureaus. How did you validate the information?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Initial contact with Bank of America via email on XX/XX/XXXX that an application was in progress for an 'advantage safebalance account. ' Called and spoke to several representative over span of a few days, application was cancelled. Bank of America assured me that a fraud flag of some sort was placed on my name for future fraudulent attempts. On XX/XX/XXXX I received the same emails, this time with a subsequent email informing that the account was opened successfully. Bank of America has been unable to connect me successfully with a representative to close the account. The hold times are over an hour and the last representative that I spoke with had the call disconnect. 

Additionally, all three major credit bureaus are frozen, as well as XXXXXXXX XXXX. Bank of America has been unwilling to provide me with any information on how they verified the identity of the criminal trying to open an account in my name with these security freezes in place.

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 2022-07-04
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act XX/XX/XXXX XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX, and XXXX XXXX account XXXX : XXXX have violated my rights. 15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions 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. The list of accounts. Below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX. # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX  # XXXX Have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items 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 the 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 explanation
Consumer complaint received 2022-07-04
Company: Eastern Account Systems of Connecticut, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was completely paid IN FULL to XXXX, I don't have an account with this company! I tried reaching out multiple times! this is closed, I don't have an account nor do I owe any funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent the following letter to the company. Of course before that I tried several times to remedy the issue. 

I am requesting that the following account be removed immediately from my credit report. Description : Fraudulently establishment of this account without my permission or authorization. I have tried to work with your collection agency requesting removal of this account but you haven't removed it yet. Your company is not approved to conduct business in the state of CA as of this day. It's pending approval. If I am unsuccessful with this attempt having this frigolus account removed from both reporting agencies, I will be forced to file a suit in federal court naming the credit reporting agency and the acceptor of this letter as defendants. 
If No action is taken from your company as an extra measurement for my protection of sensitive information as well as the removal of this account from both Reporting Agencies then the following agencies will be formally informed so they can assist and resolve this matter in order to protect my rights as a consumer.

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 2022-09-23
Company: Firstsource Business Process Services, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received letter from Firstsource Advantage dated XX/XX/2022 saying I owe {$5300.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Beginning on XX/XX/2022, some individuals unknown to me used the bank routing and accounts associated with my USAA checking account to fraudulently obtain funds from my account. These XXXX checks had been altered in various ways. XXXX of the XXXX checks had the same check # # XXXX. XXXX of the checks actually had my signature, but the check had been altered with something that made a bumpy writing surface. The others didnt have my signature and had been sometimes been altered with others names on the accounts. 
USAA has not pursued these obviously fraudulent checks ; rather they have refused to pursue these charges, citing an on-line document issued by them in XXXX of this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: KINGS CREDIT SERVICES
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Got my tooth XXXX paid cash the receptionist messed up some how and sent a bill to collections. I called several times and was spoken to like a criminal as if I have done something wrong. I'm not paying something I already paid in 2018 .this needs to go away. I called the dentist. They don't even remember my visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please help me and my family. I have contacted Transunion over 13 times in regards to verify some items on my report. I learned from your site that they have 30 days to get back to me. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. I emailed the CEO of Transunion XXXX XXXX and have yet to hear anything back. The items that they have on my report are stoping my family frombeing able to purchase a home, and have cost me an employment opportunity. Please help me and my family.

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 2023-12-10
Company: EQUIFAX, INC.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax XXXX XXXX. I want these items deleted from my credit reports, effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this XXXX XXXX and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: NC
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:
The complaint is in reference of the account XXXX  Balance reported as of XX/XX/2020 - {$4800.00} : I could not keep that account open during COVD and could not make any payments. I call XXXX to try to work something out, but after not having a job for a few months, per the government, but their only solutions after the first month were for me to pay money that i did not have. I asked them to please not call me anymore or send letters if there was not a solution. ( I am a massage therapist ) I also did not get unemployment approved until 2 weeks before i went back to work and didn't get that til i went to work. 

According to the law, my credit is supposed to be private I did not give this company permission to put this information on my credit and eventually had to have a credit dispute agency send a letter accordingly. This account was removed from my credit reports, but has now re-appeared on my XXXX and Equifax reports. It is not being reported again on my XXXX. 

[ 15 U.S.C. 1681 ] Section 602 A states I have the right to privacy.

It aslo states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

My information is again not being reported accurately on the 3 consumer reports.

15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except XXXX did not honor this and continually called me and sent letters for over 1.5 years Again, I did not give XXXX permission verbal or written to share my information. 
Last year i hired a credit disputing company. All of my information and the letters of communication XXXX sent is with Dispute My Credit I forwarded it all to them, but they only work on things for 1yr. and I can not afford to pay for another year. 
I can have all of these letters sent to you if needed, I can also pull my XXXX accounts from the last 2 years if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is for CashApp, as there are five transactions in my account that were unauthorized, fraudulent and not completed by me. All the money saved in my CashApp account was wiped out by someone who had unauthorized access to my account. An online hacker specifically. I have contacted Cashapp support more than once, and they refuse to help me with this issue in order to get my funds back. They closed the investigation and claim that I did authorize the transactions. My savings was wiped clean, and CashApp refuses to help me with my dispute. 

These are the following unauthorized transactions : XXXX. XXXX {$12.00} XX/XX/XXXX XXXX. XXXX {$3400.00} XX/XX/XXXX XXXX. XXXX {$3400.00} XX/XX/XXXX XXXX. XXXX {$1200.00} XX/XX/XXXX XXXX. $ XXXX {$1200.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation