BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
State: IL
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:
To whom this may concern, I am disputing experian reporting of accounts : I have dispute these same account atleast 3 times within the past 60 days. Each time the account has come back verified without any changes. 
Currently student loan payments are paused/defered until atleast XXXX of XXXX. That means payments are not due and are payments are not defaulted until XXXX of XXXX thats if they have not been fully forgiven. 
That is per the Government and is even on the website. XXXX has completely removed the account and XXXX is reporting it as current. Experian is reporting inaccurate information. Isn't There a pending Lawsuit against experian for refusing to corrent Account information? Between the XXXX CFPB and Attorney general I am hoping one of you organizations can make Experian abide by the law and correctly report. I will enclose proof of the error of reporting and violation of the Fair Credit Reporting Act. I am unfairly being locked out of loans and other Financial assistance. 
Not to be redundant but : XXXX 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 Sincerely ; XXXX XXXX XXXX XXXX XXXX 
Email : XXXX Phone : ( XXXX ) XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX Acct. # XXXX, U.S. DEPARTMENT OF EDUCATION : Acct. # XXXX has violated my rights.

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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I notified Trans Union of the hard inquiries on my credit report that needed to be removed due to identity theft. Trans Union have been contacted regarding this multiple times and are not cooperating.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2022-12-26
Company: Helbing Law Group
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Name of Company : HELBING LAW GROUP, XXXX Purpose : Credit Card help Duration : Over 1 year I enrolled with Helbing Law Group in XXXX of XXXX in pursuit of debt settlements with some short-term lenders. My account was established with a monthly payment of {$480.00}. XXXX As of today, I have paid over {$3500.00} to Helbing, yet my special purpose account contains just over XXXX. The remainder is eaten up by " fees '' - yet no legal work has been done. When I email them, I never receive a response or a generic " thank you for your sending your statements '' response. I called on XX/XX/XXXX and still have not received any Legitimate reason for no settlements to the 4 accounts I had them attend to. acknowledgment : '' I am writing to revoke my ACH authorization to Helbing Law Group and to cancel my participation in your payday loan settlement program. This is not a decision I came to lightly, but after paying them over $ XXXX for 14 months, I have XXXX settlements to show for it and only {$3000.00} in my special purpose account - when I have paid you over {$3500.00}. I do not believe they have ever even started to attempt to negotiate any of my balances or that any action has been taken on my accounts, as I still receive statements and emails from my creditors and collection agencies. I thought the company was a God-send and it turns out they are no better than the companies from which I was trying to get relief. At this time, I am requesting a FULL refund of {$3000.00}, which is all the money I have paid to this point. I would entertain the deduction of a small administrative fee ( which looks to be less than $ XXXX, so no more than {$100.00} ) for servicing my account during this time, but the funds I have provided have done nothing but line their pockets.I respectfully request a response and confirmation for my request in an expeditious fashion. " I sent a follow-up a voice message on XX/XX/XXXX which had also gone unanswered until I stopped paying them. At this time, I request a FULL REFUND of all monies paid to Helbing - totaling XXXX - since they have apparently done no work on my account, have reached no settlements with my creditors, and have earned no fees I've paid. 

Also, my credit score went from XXXX to XXXX ... .I can not continue to be handled in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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 to the Fair Reporting Act XXXX Account XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 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 explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: MD
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:
Equifax is violating the FCRA and not adhering to the law governing such. The accounts are as follows : 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 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 XXXX 

15 U.S.C. 1681 ( A ) ( 4 ) " here is a need to ensure that credit reporting agencies exercise their grave responsibilities with fairness and impartiality, and a customers rights to privacy. '' 15 U.S.C. section 604 ( A ) ( 2 ) " a consumer reporting agency can not furnish an account without my written permission.

15 U.S.C 1681 ( b ) ( 2 ) Permissible purpose of consumer reports. " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. C 1681 ( I ) Procedure in case of accuracy. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

Equifax has taken 60 days including the investigation. I have all certified mail receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Chime Financial Inc
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I was on my cable networks website which is XXXX XXXX. There was an offer of a free router upgrade. So I clicked on upgrade. 30 minutes later I received a message stating {$300.00} was withdrawn from my debit card. I proceeded to call Chime and file a dispute. Two hours later I received a message from Chime saying there was no error and I would not get the funds returned. I then called XXXX XXXX and explained the situation. They did not have any such amount withdrawn from my account by them. I've proceeded to go to the XXXX XXXX store to show them the withdrawals. The assistant manager at XXXX looked it over and also looked at my account and there were no withdrawals for the {$300.00} on record. He told me it was fraud. I would like to know where the money went? I've also filed a fraud complaint at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The bank says overdrawn when we're not they take between XXXX to XXXX month

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 2022-09-08
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days. 

Y'all are required by law to do so. 

Please investigate my disputes please. 

Thank 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 2022-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XX/XX/2020 my mom died. I gave her my XXXX  XXXX XXXX Account. The account was paid off. I opened a new account with XXXX  XXXX XXXX. The money that was being withdrawn from my bank account ( autopay ) was going to the canceled account. I was getting cancelled notification for a year and a half. I tried to resolve this issue. I reported XXXX XXXX XXXX to the Texas Department of Banking. I then requested a full refund. XXXX  XXXX XXXX did not issue the refund. I contacted Capital One Bank to dispute the charges. Capital One Bank issued a temporary credit and then reversed the charges. This has left my account in the negative. When I contacted Capital One Bank the supervisor was playing with his dog in the background on the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Real Time Group, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my house in XXXX and had two mortgages ( XXXX ). I have been paying regularly on my first mortgage ever since. In XXXX, I modified my first loan and was told an Obama program took care of the 2nd loan. Suddenly, on XX/XX/XXXX I was hand delivered a sheriff 's sale notice to take place on XX/XX/XXXX. The servicer on the sheriff 's sale notice is Real Time Resolutions , Inc, and their lawyer is XXXX XXXX XXXX XXXX. I received no prior notice at all but I also believe this 2nd loan was forgiven/cancelled as of XXXX. I have received no communication from any company/business regarding the 2nd mortgage since the modification of my first mortgage in XXXX. This seems illegal and I believe I am a victim of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

INACCURATE ADDRESSES ARE BEING REPORTED TO MY EXPERIAN CREDIT ACCOUNT SUCH AS XXXX XXXX XXXX XXXXXXXX XXXX  XXXX and also XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ALSO I NO LONGER WORK AT THE JOBS XXXX AND XXXX XXXX IS BEING REPORTED TO MY EXPERIAN ACCOUNT. 

ALSO ON MY XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX IS BEING REPORTED WHICH 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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( 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 non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. Being that this debt was recently purchased, there is no prior course of dealing pursuant to the legal authority U.C.C. 1-303. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. My Account Names and Numbers : 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 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 2023-06-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2023 at XXXX I received a text message from the ( American Express Serve XXXX XXXX card company 's automated system stating a XXXX decline fee had been charged to my card. A minute later I received another text message from the card company again stating a XXXX decline fee had been charged to my card. At that time I opened the card app on my phone and noticed multiple withdraws from an unknown ATM location had a cured. My direct deposit from my employer was deposited that morning to the card.There was three withdraws for {$200.00} totaling {$600.00} and one with draw for {$100.00}. {$700.00} was the daily limit so the attempted withdraws after {$700.00} was the reason I got notice from my card for the decline fee of XXXX cents. 
Right away I called the card company customer service and informed them of the unauthorized ATM withdrawals. I was transfered to the fraud protection department. I gave them all info on how I found out and was told they would investigate my case after I sent a declaration of dispute form and let me know by email in 10 business days or it may take up to 45 days. I received an email from them with the form to fill out. I filled out the form and uploaded to the cards website on XX/XX/2023. On XX/XX/XXXX I called the card company to check the status of my complaint and was told I would receive an email by the next day with the fraud department findings. I received an email from the card company fraud department on the morning of XX/XX/XXXX saying my fraud claim had been declined and that the ATM withdraws were authorized by myself. No other statement of facts as to the reason for them declining my claim. The email stated I would have to submit a written letter to them asking for the investigation results.

Company response to consumer: Closed with explanation