BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-11
Company: Overton, Russell, Doerr and Donovan, LLP
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Overton Russell & Doerr collection agency is not bonded in the state of Texas. Overton Russell & Doerr ca n't legally co llect any debt. Please remove from my credit report and confirm that the debt is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: MI
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:
Experian continues to validate fraudulent information, Experian continues to furnish and share inaccurate information to my consumer report without my consent, causing me irritable harm, and financial hardship. Experian continues to add information to my report without proper prior notice nor my authorization or consent. My credit score is being ruined due to these illegal practices to defame my character with these alleged accounts that has not been properly validated pursuant FCRA. Experian continues to furnish private information onto my consumer report without my consent and against my will! Alleged account- XXXX XXXX  has been settled since XXXX with settlement paperwork to validate, how is Experian reporting activity in 2021?? XXXX  XXXX Ive filed FTC complaint showing that my identity was stolen and used, creditor has also failed to validate the debt outside of sending me a copy of an electronic contract with no signature or ID verification but somehow Experian validates the account! A copy of an electronic contract can not be deemed as validation proof anybody can fraudulently make documents. Original contract with my wet signature needs to be provided! Experian continues to house unauthorized private child support information on my consumer report, I have never received prior notice to alleged debt before its being updated and furnished on my report. against The account had been closed a year prior! Experian continues to dishonor the laws, rules, and regulations in place for accurate reporting to keep faith on the banking system. Ive asked for full disclosure of the verification process including documents used to verify as such Is my legal right and have been denied. Experian continues to try to deter me from seeking remedy by sending me ID verification when Ive sent in multiple verification.There is a conspiracy against me and the people. Experian is not honorable enough to be in charge of such a huge responsibility! Delete all accounts that can not be validated! Remove all accounts that have reporting inaccuracies! Delete all inquiries that are not attached to a open 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 2023-01-11
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 notice suspicious activity in my account investigated made a ftc report victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: GOLDMAN SACHS BANK USA
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, my Apple Credit Card issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, was charged {$1500.00} for services rendered by " XXXX XXXX XXXX '' on that date. I notified Apple and Goldman Sachs Bank by telephone call to their disputed transactions numbers that I did not make this charge, that I was not on a XXXX XXXX flight on or anytime close to XX/XX/XXXX, and that the transaction was either an erroneous billing or fraudulent. Goldman Sachs Bank issued a temporary credit to the account and undertook to investigate. Approximately 90 days later I received an email saying that the matter had been investigated and the merchant charge will remain on my account. No information was provided as to the basis for the charge, whether XXXX had provided billing details or whether or how my card number had been used. I protested this result by telephone call to an Apple Card Specialist, who referred me to Goldman Sachs Bank and Goldman Sachs Bank said they would reinvestigate the matter and let me know the outcome within 90 days. Approximately 90 days later ( XX/XX/XXXX ), I received an email from Goldman Sachs Bank saying the transaction dispute had been re-investigated and that " based on our review, the original decision will remain because there is no evidence to substantiate the claim. '' A Dispute Case Number was given as XXXX and the full disputed amount was charged back to my account. The email also stated that I have the right to see " the information we gathered to make this decision '' and " to request a copy, please contact an Apple Card Specialist. " On XX/XX/XXXX, I contacted by telephone an Apple Card Specialist at Goldman Sachs Bank ( XXXX ) and requested the information and she said she does not have it and transferred me to another person ( XXXX XXXX, who said she would mail the XXXX information to me. On XX/XX/XXXX, I spoke by telephone with another Goldman Sachs Bank representative about the status of the expected information, who said they have received no information from XXXX about the charge and she would file an internal complaint and the investigation team may contact me. In the meantime an interim credit to the account would again be issued and the matter would be resolved within 90 days. To date I have received no information from Goldman Sachs Bank supporting this charge by XXXX and no one from Goldman Sachs Bank has contacted me. In sum, this charge appears to be fraudulent and Goldman Sachs Bank does not appear to have any records that support a charge for " wifi services '' aboard a XXXX XXXX flight or any other charge. There is also no evidence that any investigation was in fact made, and I believe the bank simply issued a temporary credit and, at the end of 90 days, the bank reversed it and and reinstated the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 : It also states a consumer reporting agency can not furnish a 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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 
18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: AR
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX ( Original Creditor : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # 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. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C. 1681s2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors : 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.

( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2017-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 do n't recognize inquiries on all  XXXX  credit burea I filed on  XXXX   XXXX  and  XXXX   XXXX  have not applied for anything on fix income spoke with all  XXXX  bureau or company and nothing is done they continue to say it 's not there problem that a inquiry is facts and thats not correct I 'm just tired of trying to get this correct and no one wants to help me please help me I am trying my best  XXXX  bless 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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am submitting this complaint on my own behalf to address unauthorized inquiries on my credit report. The information in question does not pertain to me, and I request the prompt removal of this fraudulent data.

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 2017-05-11
Company: U.S. BANCORP
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
When cashing a check that is drawn on  US  Bank by a non account holder, the bank branches avoid and or refuse to give a receipt for the {$7.00} check cashing fee. They claim that their system is not set up to generate a receipt for the fee. It appears that they are not keeping proper records to report income from check cashing fees collected. I also feel that the fees themselves are an intrusion in the execution of a contract between  XXXX  people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My complaint is, I have contacted All 3 Bureaus, XXXX  has removed ALL of the accounts in question. While Experian and XXXX  have both been contacted several times via phone online, and via first class mailings on many occasions in regards to 3 accounts that were placed in my name that did not belong to me that I did not authorize or was not familiar with. Since learning of these inaccuracies, Ive followed the proper protocol several times, to no avail. Im only met with the same results regardless and ALL of the accounts in question, UPDATED Inaccurately, regardless of my rights and Im beyond disgusted and exhausted. This is my personal profile & the fact that these accounts are reporting such derogatory remarks, makes things look very bad on my behalf when referencing my credit report. I am currently in the process of trying to purchase a home, as I am a XXXX  mother of XXXX. The unprofessionalism and neglectfulness That has been displayed in my case is VERY DISHEARTENING! When Im ACTUALLY REALLY APPLYING this time for credit and the negative accounts make it difficult when theyre checking credit, and I have negative accounts that dont belong to me reporting inaccurately. I have disputed and reach out to XXXX  several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC report. Ive called and chatted via online with their reps, Ive been told they have yet to receive the proper documentation, Ive had cases where reps have verified that they have received the documents and are in the process of handling it. Several times Ive been told that I should see an update which never happens. The last rep I talked to name was XXXX and he stated he was in special accounts department, I havent had any luck with this. These collections have been reported as having been owed with past due balances, These companies are unknown and do not possess a valid signed contract with my signature. The following accounts that are reporting are : I am asking that they either provide Accurate proof or remove Any and ALL negative and inaccurate, & Non account holding collections Immediately. Please and thank you! Contract Callers in the amount of {$1000.00} XXXX XXXX in the amount of {$530.00} XXXX XXXX in the amount of {$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 2023-07-30
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2023, two transactions were fully processed through my Chase bank checking account. One of the transactions was for {$35.00}, and one was for {$110.00}. On XX/XX/2023, I deposited {$220.00}, covering both transactions and leaving a positive balance in my bank account. I followed my agreement in depositing to the account within 24 hours, and I was still fraudulently charged two fees by Chase Bank. I opened a case with the executive office, and they refused to refund me. I have transaction details as proof of my deposit and dates. The dates on the executive letter from Chase Bank denying my claims contradict the dates on my transaction detail page. Chase Bank is committing a blatant unethical act of fraud by a large bank ruthlessly charging illegal fees to consumers like myself. I closed my account immediately because I do not support unethical banks, and I was a victim of Chase Bank 's illegal practices. I would not be surprised if these practices result in the many class action lawsuits Chase Bank has already had over illegal fraudulent fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: IL
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$15000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} XXXX Inquired on XX/XX/2XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/ 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 2023-03-28
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: Account information incorrect

Complaint:
I have reported that my balance with XXXX XXXX XXXX is showing incorrectly on my reports and yet no update has been made to show the correct balance.

Company response to consumer: Closed with explanation