BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: CAINE & WEINER COMPANY, INC.
State: PA
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:
Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX XXXX XXXX XXXX  The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: CITIBANK, N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sold a house and the title company transferred money on Thursday XXXX at XXXX to my checking account at Citibank XXXX with a federal wire number. Until today Citibank is not able to release the money, I don't see it as pending incoming wire either, nobody can tell me where it stands, they are saying it's a compliance check that they might additional information from the title company but no additional information was requested from the title company They say on the hotline everyday that they are escalating but no response or proactive communication

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 2022-06-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Those Accounts Are Not mine, I never authorized those Accounts to be opened. -XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ) -XXXX  ( XXXX XXXX XXXX ) -XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XXXX XXXX XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: GA
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:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. They have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiry and addresses are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiry and inaccurate addresses from my credit file. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened Virtual Wallet Checking account with PNC Bank on XX/XX/2019 and funded with a {$25.00} deposit from a checking account at another bank. PNC opened the account, processed the {$25.00} deposit. I received a letter dated XX/XX/2019 stating that my account was closed ( with no reason ) and that they will send me a check for the account balance. I called PNC and multiple reps stated that they couldn't provide the reason why account was closed and told me I would need to go to a bank branch even though there were no bank branches near XXXX. I did visit XXXX and stopped by a PNC branch ( XXXX XXXX XXXX ) on XX/XX/2019. The banker ( XXXX XXXX ) there called the back office to figure out what was happening but they were out on lunch so he promised to call me back. XXXX days later I received a call from him stating that he couldn't provide a reason why the account was locked and wouldn't be able to refund me the {$25.00} initial deposit. I tried calling customer service again and spoke with XXXX XXXX XXXX XXXX XXXX they advised me to file a dispute with my bank for the {$25.00} deposit. When I reached out to my bank, they told me that because it has been more than 30 days since PNC XXXX 'd {$25.00} from my account, they couldn't file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This can't be happening!! This company must remove the as they need to validate this account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
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 XXXXXXXX XXXX XXXXXXXX violated my rights 15 u.s.c. 1681 section 602 a .states i have the right to privacy 115 u.s.c. 1681 section 604 a section 2. it also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c. 166 b a creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: NJ
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2023-11-15
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a Welcome letter stating that if the account isn't paid within a specific time, it will be posted to my credit. I went online to set up payments but was never told I could dispute this. So now, since I've made two payments, the company has posted this debt and states it won't be removed until they receive all fundsdeceptive communication practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Resurgent Capital Services L.P.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have been asked to go yo court for a debt that closed out in 2008. 15 year old debt should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I've never had an account with this company or XXXX XXXX who they're holding debt for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Block, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
So on XX/XX/XXXX at approximately XXXXXXXX XXXX. I tried to cash out {$1000.00} from cash app to my chime account that I added 2 minutes prior. When I did not receive the instant cash out to my time account I noticed that it had gone to a different card that I did not have possession of that I don't have never had. So I contacted cash app and they told me that the money went to a XXXX XXXX  card with transaction number that they gave me I contacted XXXX XXXX XXXX XXXX can not find that transaction number and their system for that date or time or at any point I guess and I have been trying to get with cash app to try to get this fixed ever since then I keep getting denied by their what they call specialty team. So I've got the cash app too tell me that I based on their records added added a card deleted a card and hit the cash out all at the same very exact same minute so I need this looked at and remedied please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've been trying to pay my New York and Company bill on line and over the phone. when I go on line to pay my bill and submit my information for easy pay to pay my bill, it says " we're sorry. a technical glitch ocurred and your request could not be completed. please try again ''. when I try to pay over the phone there is not response. I've been waiting on phone for a least an hour and they don't respond. On the other hand it seems I get a sooner response when my payment its already pass do and I have to pay the late fee which is {$41.00} more than my actual pay which is {$37.00}. I hope I could find some help on this matter. Thank you in advance. They also change my credit card number and never receive the new card which its also an issue for me to pay my bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28
Company: Great American Finance Co
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Great American finance is trying to collect more than {$5000.00} from an account opened online at XXXX XXXX 's back in XX/XX/2022, delivered to an address that is not mine or related to me in any form, I have not opened this account neither have bought nothing in the pass from this retailer, I have filed a police report incident for fraud and identity theft. I filed a dispute on my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit bureaus stated that XXXX XXXX XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written permission. 

I haven't given this account written permission to furnish this account on my credit report.

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 2022-11-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report & noticed some hard inquires i don't recognize I have filed a complain once and noticed that these did not get deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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

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 2022-06-27
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 states : A consumer reporting agency can not furnish an account or account information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 states : A consumer reporting agency can not furnish an account or account information without my consent

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 2022-06-01
Company: Experian Information Solutions Inc.
State: PA
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 Account XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A 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 Date opened : XX/XX/2005

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 2020-04-16
Company: Velocity Portfolio Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found out around XXXX time that strangers were ringing my doorbell asking for me. One appeared at my garage while I was inside and wanted to see my identification. I did not show it to them. My husband  asked who they were and they did not reveal any information. We received knocks on our front door late evenings and early mornings on Sunday and XXXX XXXX. They would ring the doorbell and knock and ring the door bell. They would wait outside of our house in their car. I was afraid to leave the house and my kids felt disturbed about all of the times they attempted to knock and ring the doorbell over and over. They were different people over multiple times of day. Recently, I was sent a solicitation in XXXX by a debt lawyer to help resolve a collection case that Velocity LLC has against me that I was unaware. The lawyer even provided the case number from XXXX XXXX XXXX Superior Court against me which I verified. I never received any type of court paperwork notifying me of this legal action from anyone. I believe what Velocity is doing is unlawful. I need some help in determining what they have done was illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Debt Recovery Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I checked my credit report this year and there is a loan showing on the report for {$3900.00}. It shows the loan was open on XX/XX/XXXX. It has very derogatory remarks on my report saying that the loan is 3 months past due, but I never opened a loan for this amount. This is false information and needs to be corrected. I have not taken out a loan in XXXX. If this is an incorrect date my report needs to be updated to reflect correctly. I've tried calling debt recovery solutions to get them to update the record but they are saying that they can not change the record. When I disputed this with XXXX, XXXX, and XXXX and all three stated that this meets FCRA requirements. They also shared that the loan wasn't opened XX/XX/XXXX, but it went into collections back in XX/XX/XXXX. The problem for me is that on my credit report, it is being displayed like this is a brand-new loan, when in actuality this loan is extremely old. The dates should reflect that on my credit report and it is not. I don't know what more to do about this issue. The confusion came about when it was put on my credit like it was opened this year. I thought I had encountered identity theft, and the confusion could have been avoided if Debt Recovery Solutions had put accurate information on my credit report. I don't feel comfortable with discussing payment arrangements because based off of the reviews about this company, there are multiple people stating that they have paid and it hasn't gotten removed from their credit report. I am asking for help to resolve this matter. Attached are the screenshots from XXXX, XXXX, and XXXX where it is being advertised that this loan was opened XX/XX/XXXX. As you can see, XX/XX/XXXX is nowhere on my credit report. They are making it seem like this is a brand-new loan.

Company response to consumer: Closed with explanation