BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXX MEDICAL XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/202XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

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

Listed are 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 and antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2023-03-27
Company: EQUIFAX, INC.
State: FL
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 is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
On XX/XX/XXXX, I received an alert about an extended fraud alert being placed on my account. I never requested that. I tried to use my XXXXl XXXX XXXX & my XXXX XXXX XXXX at XXXX on XX/XX/XXXX and was declined. I checked my reports and neither of the 3 cards that I have are showing on my report nor is my auto loan with XXXX XXXX. I just paid my car payment of XX/XX/XXXX but the account is not on any of my credit reports. I logged into my MyEquifax.com account and show that someone has filed several disputes on my account and I was also informed by a representative at Equifax that a police report was filed. I have never filed a police report for a credit issue in my life. I believe I am the victim of some kind of data breach where someone is trying to establish accounts in my name without my knowledge. I am not sure the nature of the disputes and to what email the disputes were sent to and I can't get any information from XXXX XXXX about why my account was closed. I had been faithfully paying all of my accounts on time and had no reason to request a closure of my account. I fear that someone will get my cards reissued to themselves at a different address and I will end up responsible for their fraudulent purchases. I haven't received any correspondence from Equifax in reference to these disputes and that worries me because any time that I have ever submitted a dispute, I had verification via email. Nothing has been sent to me and they are allowing people to access my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
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:
Department of Education Account number:XXXX XXXX XXXX XXXX Account number : XXXX They have violated the following : 15 USC 1681 section 602 A states that i have the right to privacy.

15 USC 1681 section 604 A section 2 It states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 7 years.

15 USC 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 2023-03-26
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX, 2023 I purchased a lottery ticket online from The Michigan XXXX for {$6.00}. When my statement arrived, I noticed I was charged an extra {$15.00} for this transaction. When I contacted the bank regarding this charge on XXXX.23, I was told that any purchase of lottery tickets incurred an extra {$15.00} charge because it was considered a cash advance or some type of nonsense. And even though I have been a XXXXFNBO Visa customer for years and years, my complaint was disrespectfully dismissed with no thought or consideration. 

There is no reason for this outrageous charge. First National Bank of Omaha has assets of {$17.00} billion and revenues of {$500.00} million. XXXX XXXX had profits of {$28.00} billion. Neither of these corporations need my {$15.00}. This charge is blatantly ridiculous.

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-30
Company: Experian Information Solutions Inc.
State: TX
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 am writing to dispute the account XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. Experian is reporting the account number as XXXX while XXXX reports XXXXhow is this possible when all data should furnished should be the same? I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you.

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 2023-03-26
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Compliant is against XXXX XXXX XXXXXXXX XXXX XXXX managed by Synchrony Bank ) and a Chevron Gas Station located at XXXX XXXX XXXX XXXX, XXXX XXXX, UT. On XX/XX/23 at XXXX XXXX, I stopped at the Chevron Gas Station mentioned-above to put gasoline to my car with credit card also mentioned-above. The total was {$44.00} -- See attached receipt. When I got home later on, I received an alert message that I had a purchase for {$50.00} -- See attached message. I immediately replied saying I did not purchased gas for {$50.00}. It was for {$44.00} -- See attached. No response was ever received to this message, as of today. I also called the credit card customer service immediately to advise I did not purchase anything for {$50.00}. For my surprise, I was told that the {$50.00} was a " Hold '' on my account, in addition to my purchase. I said I usually get a hold for {$1.00} but this is not right to place a Hold for that much, as if I were a criminal. She said the gas station did that. I got so upset and for protection of my account, I asked to close my credit card. The Customer service Rep had an attitude that she did not care about my concerns and processed my request immediately. Please note, I have excellent credit, I have always paid-off my balance on this account as soon as I use it and the balance gets posted, and this Customer Service rep did not care. Basically, she did not value customers like me and my business. The next day, I tried to get of hold of the Manager of the gas station. The call went into the Chevron Call Center. I know what a Hold means and I know it will go away, but my issue was, why me? The whole thing is basically a discrimination issue. I am a US Citizen but with a XXXX background and this is not the first time this has happened to me at a Chevron Gas Station & affiliated gas stations. Over a year ago, it happened to me at a XXXX XXXX XXXX from Chevron in XXXX, UT. I paid with a different credit card. A Hold for {$100.00} was placed in my XXXX Credit Card for putting gasoline of only {$25.00}!!! Like if I were a criminal that would not have a legit credit card. Although I closed my credit card with XXXXSynchrony and XXXX I'll never put gasoline at any of their gas stations, I am writing this complaint to let you know about their illegal or unreasonable " Hold '' amounts ' practices on people like me. You all should investigate this matter. By the way, after I have closed my account, I tried to get into my account and I couldn't, they blocked me out of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance XXXX {$300.00}

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 non-monetary relief
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-26
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:
my personal information was compromised by the 3 credit bureaus and i have repeatedly asked them to not publish any information about me or that is not confirmed in writing to be my information without my written consent they have never provided any information or documentation that shows my signature or hand writing that says i gave them any permission to collect or report any information these XXXX companies transunion, XXXX, XXXX are violationg my rights my privacy and they are clearly breaking laws they need to delete all accounts immediately without question ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX ACCOUNTS : XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX US DEPT OF EDXXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX acct # XXXX, XXXX & XXXX - acct # XXXX XXXX XXXX XXXX- acct # XXXX XXXX XXXX - 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 2023-03-26
Company: EQUIFAX, 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:
I am filing a formal complaint as a natural person with rights protected under 15 USC 1681. My credit report has been violated by the consumer reporting agencies, who are also in violation of the Fair Credit Reporting Act. I demand that the following accounts be immediately deleted as I did not authorize the consumer reporting agencies to furnish them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following sections of the law have also been violated : 15 U.S.C 1681 section 602 A. guarantees my right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that consumer reporting agencies can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer report containing adverse 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 ) states that no person shall furnish any inaccurate information relating to a consumer to any consumer reporting agency. 
Upon reviewing my credit report, I noticed multiple billing errors violating TILA 15 U.S. Code 1666 ( b ) billing error. These errors include : ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
The creditor did not notify me 21 days before with a statement, and therefore, there should be no late payments on these accounts. I demand to see concrete proof from the creditor 's bank account that I did not pay and was marked late because this is clearly a billing error. The following account should be updated as agreed on my consumer report : XXXX XXXX XXXX XXXX If these accounts are not updated promptly, I reserve the right to seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. I have already submitted this complaint to the Complaint portal for the State Attorney General 's Office, Better Business Bureau, and Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Credit Karma, LLC
State: VA
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:
On XX/XX/23 I was approached by someone at a retail store frantically needing to borrow my phone to call someone. After they gave my phone back I realized they had access to my bank information and applied for a {$3500.00} loan on my name and my credit got affected from it. My bank has already reported it as fraud and said I should report to any credit bureaus to report it there as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by Capital One to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore Capital One is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had money here for a couple years, seemed fine. I have moved large amounts to and from Marcus / Goldman Sachs before with no problems. 

But in XXXX, XXXX they locked my account for no reason ( had not been linked recently nor used in any way ). When I called to unlock, they spent half an hour telling me they couldn't figure anything out, then tried to transfer me and hung up on me instead. After another 45 minute call, the finally got me to a department that claimed to be doing a security check by sending me a code to a phone number -- that they asked me to give them. ( I could have been anyone! ) I gave them my number ( it's on the account ) and they said their service would not send a code. Just wouldn't do it. That makes no sense, I told them, I've gotten security codes from Marcus on that number for months. 
I asked them to send a code to my email on record ( a standard fallback for most banks ). They said they could not do that. They offered to send the code to a different phone number! ( Awful security practices! ) I gave them my wife 's. Their system would not send a code there either. 
To fix things, they say I have to fill out a notarized form ( they won't send it via email for printing, only snail mail ) THEN get it notarized, they mail it back THEN wait a few days THEN call them back again and go through all that and hope someone will actually unlock the account. Then I have to hope I can move the money out without their shutting the account down again. Given their complete lack of knowledge about the account 's status and their own procedures, I am not confident this will be resolved in a timely fashion.

Company response to consumer: Closed with explanation