BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/22 I received a text message from who I thought was Bank of America asking my daughter approved a {$2000.00} XXXX transfer by XXXX XXXX. Reply yes or no. I replied no. Then received a call from who I thought was BOA ( the caller ID showed that ). He said this person was trying to take these funds out of my daughters account and I confirmed that we did not know that person or approve the transaction. He told me he would help me stop the transaction from going through and what steps to take. The process involved moving money from one of our savings to her account to cover it from being overdrafted. He said we will create a new account for her then transfer the money to that account and close the other one. He had me type in her name and approve creating this account by replying YES to text he sent. This made sense to me. He had me hold a few minutes while talking to XXXX to have the pending withdrawal stopped. Then he came back on the line and said he realized that was another attempted withdrawal of {$1500.00} and he would stop that one too before the scammer was able to get to the money. I waited for quite a while keeping my eyes on my accounts and he came back on and said its being processed and will send me to his administrative specialist to approve and finalize the reversal of charges. A lady got on and said so sorry for any inconvenience but rest assured it will be taken care of now. She said it might take a while for the money to be back in my account. It was XXXX a.m. so I went to bed. Woke up to see {$3500.00} not returned to my account. I understand that the banks and XXXX will say I agreed to the transactions so its my fault and there isnt anything I can do. But how could have known it wasnt BOA and the fraud specialist was part of the scam? I have been affected financially and emotionally by this. The scammers are basically untouchable so there is no recourse there. But every day hundreds of thousands of innocent people are prayed upon sometimes losing their life savings in these types of scams. I wish there was a class action lawsuit to get our money back.

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 2023-12-15
Company: Experian Information Solutions 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:
XXXX XXXX I did not have late payments XXXX XXXX XXXX I did not have late payments XXXX XXXX This is completely inaccurate. 

XXXX XXXX XXXX XXXX I dont recognize XXXX XXXX XXXX XXXX XXXX This Information is Incorrect XXXX XXXX XXXX XXXX  XXXX This is not accurate. 

XXXX XXXX XXXX I did not have late payments XXXX XXXX XXXX I dont recognize XXXX XXXX I did not have late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX The following personal information is incorrect

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 2022-12-08
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: Their investigation did not fix an error on your report

Complaint:
Kindly be sure with the accuracy and precision with this customer record account. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 
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 explanation
Consumer complaint received 2021-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
my name is XXXX XXXX i had capital one cridit card for XXXX $ limit, capital one acted as jail statement by lowering my cridit score 65 point by reporting me as missing payment, i paid them in full, through their customer service act as entry level refused to update my cridit report that the balance has been gone and i had to wait till next billing cycle where i got shocked that they reported XXXX $ interset rate on a full paid balance and they didnt care that XXXX $ interset rate on XXXX balance showed on my cridit report so i went and i paid the XXXX XXXX 
but its like i closed the account capital one so messy and night mare and please remove capital one from my cridit report my cridit limit with other cridt cards XXXX and capital one cridit limit XXXX $ as night mare they would place the missing payment for 6 years where they account fully paid and closed. 
its like if they got paid have this night mare ends thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, My name is XXXX XXXX XXXX I am writing this to delete the following information from my credit profile. The items that I am requesting to be deleted are listed in the report attached. I am a victim of Identity Theft and did not authorize the inquires listed. I ask that these Items be deleted and updated in order to correct my credit profile with accuracy and protect my consumer reputation. I have reported the theft of my identity to the Federal Trade Commission. Enclosed are copies of the FTC Identity Theft Affidavit. This inaccurate information has caused me to be denied by credit companies and personal loans. I have contacted the creditors and credit unions and have yet to receive any response in over 45 days I ask that per FCRA and FTC laws and regulations the accounts and information listed in this report be deleted immediately.

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 2021-03-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SYNCB/Sam Club Date : XXXX Account XXXX. XXXX XXXX : {$2100.00} XXXX XXXX. XXXX  XXXX XXXX, Florida XXXX I have send them letters and disputes and they come back as accurate, I never applied for this card and its hurting my credit score i want it off and I have tried to send the company and stil refuse to do it. If not I want this letter send to another claims.

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 2023-07-16
Company: Experian Information Solutions Inc.
State: AL
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-08
Company: EQUIFAX, INC.
State: MI
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:
Date Opened : XX/XX/19 XXXX XXXX XXXX  has violated my rights as a consumer. According to 15 USC 6802 : ( b ) Opt out, ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I did not get an opportunity to choose if I wanted my nonpublic personal information disclose to any third party including credit reporting agencies. I have expressed to XXXX multiple times through letters, that i do not want my information/transactions/experiences furnished to ANY third parties. I have sent multiple letters yet I have gotten no response to my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Northstar Location Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a fraud, looking for someone about a debt. Saying its from XXXX XXXX or somebody. This is not even a real debt collection company! The call every single day in the XXXX XXXX. hour. I have called and complained and told them this is an office but they always try to keep you on the phone to continue the scam ... and worst of all they are calling a company extension, not an individual. Arrest them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was working for my former employer I worked three pay periods and was paid once with a cold check, attempted to deposit the check that I assumed was good into my Capital One 360 account. The check bounced I have felony charges on them through the XXXX XXXX XXXX  Sheriff 's Office for theft of services in the amount of {$4400.00} dollars. I have also submitted the forms and a copy of the police report to Capital One and have also spoke to them on the telephone numerous occasions about this subject, and have added a written statement to my credit report on XXXX XXXX and XXXX. Most recently I attempted to open a checking account through XXXX XXXXXX/XX/XXXXand was denied a normal checking account because of information on the XXXX. I'm the victim of a crime and being treated as if I'm the criminal. Capital One did an investigation and found I wasn't at fault but yet I still have this stain on my record. I reported this to the FTC the IRS & the XXXX  XXXX Treasury due to now I'm having unearned earnings filed in my name reflected on my most recent W-2. I have numerous documents to prove my allegations and MORE than willing to submit them to ANY agency that can or will help me. 
Lastly I do have one other blemish due to Worker Comp but I'm currently in litigation with them for payout and unpaid bill coverage, they were the responsible party and I will be submitting a separate complaint on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Apple Inc./ Goldman Sachs is stating that I owe them a little over {$6.00}, XXXX which can not be possible because I never personally opened an account with them and if it is an account that was opened or debt owed it is the result of Identity Theft! Apple has not resolved this matter and is still trying to collect the supposed debt through XXXX which is not of my doing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSWORLD SYSTEMS INC
State: IL
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 didnt give them company written or verbal communication to add a collection on my credit report... they are violating myself an the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: NY
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 asked to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the credit bureau have filed of the accounts listed on my credit report. The failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-05-20
Company: Experian Information Solutions Inc.
State: NV
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 XXXX account numbers : # XXXX, # XXXX, and # 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, 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 explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-03-16
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been charged Returned item fee twice for one transaction.The total amount was $ XXXXTge date of the transaction was on XXXX.Beside that I have been seperately charged Returned item fee again for a transaction I am not aware of with amount of XXXX $ On XX/XX/2021.

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 2023-08-03
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:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove

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 2022-01-26
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:
I recently received a copy of my credit report from your bureau and found out that there is/are incorrect information stating that I was paying late. Ive never been late and always paying on time. I hope you can update or correct this information on my credit report immediately. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Found out that these is incorrect information listed under my name and I was never been late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2023-12-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am not 30 days past due XXXX payment made XXXX. I am not past due {$480.00}. Remove late payment

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep.

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