BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
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: Account status incorrect

Complaint:
I have disputed negative items over 45 days ago and the items have yet to be verified. These account are inaccurate and reporting false information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Experian Information Solutions 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:
Experian has returned for a 3rd time with item remains from dispute although they were provided with documentation that the item from XXXX XXXX XXXX is reporting the Original Creditor incorrectly. I was advised today by the Experian Dispute Representative via phone that they do not require the company in dispute to provide to them any type of verification to them only to certify to them that the information is accurate. I find this process of dispute absurd! Why would an already shady company remove or update something in dispute if they do not have to provide any verification? It's like Experian is working in collusion with the creditors and big business instead of in defense of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I have met and connected to XXXX XXXX  options people via Social media, they contacted me and gave the promotion to the business. At one point, I decided to do an investment with a very small amount and showed the profit as very large for a two -week trade. To get the Profit only scammed because i am non XXXX XXXX  and am not aware of these trading process in US before, to get the Profit, they are asking me to pay the Money for Tax, IRS, FBI, IBPC, Treasury, Late fees and all in legal terms. To avoid anything to my Visa I have paid requested Money. Later myself able to find one of contacted Person contact info on Scam case and that phone number blocked my contact as well. Then i have contacted the FTC to file a compliant and working with Bank on my claims, which never i received any positive feed back yet. 

As am here to Work on US to full fill my dream of building an Home back in XXXX XXXX. I have been counting each dollar and that investment promotion gave me some greedy mind to reach to my dream earliest as it was all legal. After that lost of this much amount of money, i have struggled mentally as i can not shared the story to any one of my friends or family members. Lost of money affected my XXXX  XXXX expenses, i have to take loans to meet some of my expenditure. It was affected badly interims of Money, health, happiness in my life, it is painful chapter and i pleaded to get a light to remove the pain. I would not do anything like in future and i will try to prevent the people who am aware of this, if they try to do.

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 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I wrote the three credit bureausXXXX XXXX XXXX and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

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 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Several months ago I went online to transunion credit bureau to freeze my credit it was not frozen. 
I called 2 months ago requested they freeze my credit they said they would. 
I called today transunion union and my credit is still unfrozen.

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 2023-10-24
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
ACCOUNT NAME WESTLAKE FINANCIAL SVC Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

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 2023-08-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I used my SYNCHRONY XXXX XXXX XXXX to pay for the flooring work. When I began the project, the bank assured me that there would be no interest for 18 months, which I have in writing. However, after 12 months, I noticed that my balance had increased by an extra {$3000.00} for interest when I check on XX/XX/2023. I contacted the bank and learned that the interest-free period was only for XXXX months, and there was a mistake in my timing. 

I expressed my concern that this was unfair, but it took nearly a whole month of discussions with their supervisors to reach a conclusion. Unfortunately, there was no resolution offered except for the option to contact the flooring company, Floor and More. They informed me that they could extend my promotional date, but it would cost me {$1500.00} for them to do so. This payment was necessary for SYNCHRONY XXXX to extend the promotion on their end. 

I genuinely believe that the bank 's actions were misleading, and I feel like I was taken advantage of. It's important to note that throughout this process, both the supervisors and employees I spoke with were very impolite and unhelpful in their interactions with me.

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 2020-07-21
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 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 items. XXXX 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 ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$1800.00}.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint against Experian regarding inaccuracies in my credit report. On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report, and to this date, they have not responded. I am requesting that Experian correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 
The following are the details of the inaccurate information and the required corrections : The following account was never late : Creditor 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 {$20000.00} Please remove it from 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 explanation
Consumer complaint received 2021-07-27
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX of this year, I filed a dispute on a transaction where I was scammed for {$250.00}. I had went to purchase a pair of sneakers from a verified account on XXXX only to be blocked and denied a refund. I informed my Chime about this and also provided picture evidence of all of this. I was told it would take no longer than 90 days to complete a full investigation, which gave me a decision date of XX/XX/XXXX. I waited the full 90 day period, all the while checking in every month to see the status of my complaint. Come XX/XX/XXXX I received no communication and when I called in they said I would have to wait 3 business days to receive a decision. This happened 2 or 3 more times after that. Between the uninformed and redundant support staff and what seems like a very inexperienced investigation team I was denied after showing proof that a scam had been run and I had never received my items. Then in order to appeal they wanted to make me wait 10 more days to receive information they used in the investigation ; as well as up to 30 days more for the investigation to be run again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
the following accounts appear on my credit report, without any authorization, do not belong to me Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
Identity Theft. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from 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 2023-08-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX someone hacked into my bank account and did a wire transfer of a total amount of {$4200.00} from my accounts. I reported it to the bank changed accounts and the very next week on XX/XX/XXXX someone went into my new account and did another wire transfer of {$1300.00}. I report all incidents and have the print out of the first XXXX transactions but the bank said I had to file the claim that could take up to 3-5 business days. They have only returned {$2200.00} but have tried to refuse to refund the remaining balance of {$3200.00} trying to say that it was connected to my IP address and facial recognition which was not me that did it. I've been with the same bank since XXXX and have never done anything like this in the past and they are trying to decline to repay the money that is owed. It was sent by wire transfer to XXXX XXXX  XXXX XXXX  by someone named XXXX XXXX and XXXX XXXX. I've never heard of these people and if you need the other person 's info I will have to get it from the bank since they did not give me a print out. I just want to make sure I file this report because it was fraud on my account and need to see what I can do. They also have been holding our direct deposits that went to the account due to not being able to change the direct deposit to our new bank and they have held onto these funds sine XX/XX/XXXX. And its XXXX weeks later and I still have not received my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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:
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 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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.

( 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 i can go on and on how credit bureaus have no respect for the Law someone need to hold them accountable

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 2022-05-01
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXXXXXX 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 an 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 2022-05-01
Company: Experian Information Solutions Inc.
State: MS
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  Accounts " XXXX credit/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 XXXXXXXX, and all other hard inquiries that are not associated to any current or pre-existing accounts 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 explanation
Consumer complaint received 2022-05-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi I am having trouble with Wells Fargo. First they denied me help when the US Gov was helping people with underwater homes Wells Fargo NO you do not qualify all this started in XXXX and through all these years I used all my 401 K to keep our home and XXXX XXXX XXXX had programs for underwater homes and XXXX they had the XXXX XXXX that was going on XXXX XXXX said yes and Well Fargo said no I been denied help several time and when they helped me they always sunk me further in DEBT they always added more to the loan that put me in more trouble. The latest is I was in a mod program made my payments and done what they said and I never got the paperwork to sign and then they sent me letters to have a short sale or foreclosure my choice. My choice was to stay in our home and not be homeless so I ask what was going on they said it was my Income which in XXXX I made more than I ever had made in my life. I ask the lady and she said my income was XXXX month for me and wife I told her that was wrong. I told her the paperwork on the mod was sent top me and a 3 days later they ask about paperwork and a week later they said they got it which I never sent anything in. I thing they XXXX anyone they can and that is why they have hundreds of Lawsuits. Thanks 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 explanation
Consumer complaint received 2021-07-27
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:
A person or someone within an organization, the court or government entity may have breached my rights to privacy, and committed a fraud by utilizing my confidential identifying information in connection with or obtained through a consumer credit transaction without my express authorization. My private information is now being furnished/shared publicly, to my detriment, by unauthorized third party ( s ) and reported to several consumer reporting agencies, in violation of state and federal privacy laws and my consumers right to privacy under the Fair Credit Reporting Act.

The accounts are evidenced in my credit file and impairing my ability to engage in commerce. As a direct result of my privacy being breached US Bankruptcy court and/or XXXX XXXX appears to be reporting an unauthorized, inaccurate, irrelevant account and other information within my file. I have filed an identity theft report number XXXX with the Federal Trade Commission to have all unauthorized items removed from my credit file.

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