BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: LEXISNEXIS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting XXXX XXXX Account XXXX XXXXXXXX, 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: In progress
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX continues to report to Equifax wrongly. I have paid {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, and {$1500.00} on XX/XX/2022 ; however, they are not reporting my current balance, which is {$7400.00} as of XX/XX/2022. However, they have sent me a monthly statement verifying that. 

On XX/XX/XXXX, XXXX XXXX reported my balance as {$12000.00}, according to Equifax. Falsely lying about the fact that I have reduced my balance by over {$4900.00}. When I called them on XX/XX/2022, XXXX, they told me they report monthly to the credit bureaus on the XXXX. 

I have called Equifax directly, and they stated they had not received any report from XXXX XXXX since XXXX. I have obtained my free yearly credit reports as of XXXX XXXX, and all the credit bureaus have a report from XXXX XXXX which shows a {$12000.00} balance instead of {$7400.00}. 

This impedes my chance of buying a house and showing my real debt to income it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: GOLDMAN SACHS BANK USA
State: GA
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, I was charged 3 different charges on my Apple Credit card. The charges were {$9.00} for a game streaming service, {$190.00} for the same game streaming service, and finally {$190.00} for the same exact game streaming service. 

All of the charges were made at around XXXX. When I woke up the next morning, I saw the notifications sent from apple about the charges that were charged to my card the night before. The charges were made by my son, who is a XXXX I disputed the charges with Apple by telling them the charges were made by my XXXX son. Apple refunded the {$9.00} charge but, the say the two {$190.00} charges are ineligible for refunds.

I argue that Apple is not looking out for their customers. I have had this card for approximately 3 years. I have never made any purchases on any gaming websites. For them to just allow the charges to go through in the first place is outrageous. You would think they would be proactive to avoid fraud to themselves and their customers. 

As part of a previous lawsuit against apple, " Apple was required to modify it's billing practices by making sure to receive consumer 's explicit consent for current and future in-app charges and that the consent could be withdrawn at any time. '' I never gave explicit consent and I would like the 2 charges of {$190.00} refunded back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX XXXX the natural person and consumer have had my rights to my consumer report violated.Pursuant to 15 USC 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.

( b ) NotificationA consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
Experian has been given its due process of 4 days to remove these fraudulent accounts & have not followed the laws that were set in place for them to follow!! Law is Law there is no substitute for it.I need these accounts removed from MY CONSUMER REPORT Immediately as this has caused heartache and trauma to my ability to obtain property or otherwise.

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 2021-07-07
Company: GreenSky, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2021 entered into contract with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX. They offered me a no interest loan with Green Sky, XXXX XXXX XXXX, XXXX, Ga XXXX. The offer was for 0 interest for 12 months. 
My contract with XXXX XXXX XXXX XXXX states that final payment would be due at substantial completion of projects. XXXX XXXX & XXXX charged my Green Sky loan on XX/XX/2021. I immediately called Green Sky and told them that charges should not be made because I did not authorize payment and I had not received merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
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:
I am enclosing the letters explaining everything with this complaint. I will give you an overview here. I had received an email offer on XXXX to get a free dash cam if I paid for shipping and handling of {$14.00}. I responded to the email and gave them my credit card information for that purchase only. Unfortunately, I do not have the original offer email to verify the offer. However, on XXXX I was checking my credit card account on line and discovered that that company had charged me {$69.00}. I was able to reach them this one and only time because after I disputed the charge, they disconnected the phone number. I asked what the charge was for and they told me it was for the dash cam. They told me that the {$14.00} was just for shipping and handling. I told them that they offered the dash cam free for just shipping and handling. I told them that I wanted to return it because it was defective and not worth {$69.00}. They refuse to give me any return information and I was told that they did not accept returns. That was when I filed the dispute with Capital One. Capital One gave me a credit but then when they contacted the company, " XXXX XXXX XXXX '', the company told me that I had authorized the charge which was not true. Capital One wrote me a letter and asked me to prove that I didn't authorize the charge. I was unable to prove a negative and I was unable to reach the company that had charged my account because the phone number was no longer their phone but some other company. I tried in vain to get Capital One to reinstate my dispute but they refused and charged my account the {$69.00}. They closed the case because I couldn't prove that the charge was fraudulent. I tried in vain to get Capitol One to give me a valid phone number and address of the company so that I could file a complaint against the company. Finally, sometime during the month of XXXX, 2021 I was able to get a Capital One employee to give me a phone number and a mailing address for Struck A Deal. I called the phone number several times a day for a couple weeks and never reached anyone so I packed up the defective merchandise and mailed it to the address that Capital One gave to me. I called Capital One today but they still refuse to reinstate my dispute and give me my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-08-08
Company: JPMORGAN CHASE & CO.
State: AZ
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:
We have had a total {$54000.00}, taken from out business Chase Account to date. On XX/XX/2023 XXXX we had {$24000.00} withdrawn from the Chase Bank account. This amount was taken through XXXX transactions of various amounts from our Chase account from ~ XXXX XXXX  to ~ XXXX XXXX. These XXXX transactions were all classified as refunds from various credit cards. This Chase account is linked to an entity of Chase Bank referred to as Chase payment tech. Chase Payment tech processes credit card payments on our behalf from our customers and deposits those funds into our Chase Bank Account. We have 3 accounts or user names that run credit cards through our office, one of those accounts was closed out by Chase payment tech but they never notified us and we never detected this issues until XX/XX/2023 when the accountant was reconciled. We immediately notified Chase Bank, who told us the Fraud department said to file a police report but they couldn't do anything about it. We did file a police report but then on Sunday there was a second incident, they pulled {$29000.00} from the same account on XX/XX/2023. We called Chase immediately but have yet to receive any of the funds that were stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
My account is being reported with late payments. I was never late and have not received a response after sending the bank a certified letter requesting verification!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: OR
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts to prevent erroneous information in my file : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Schreiber Law LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Schriber Law Llc XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

Did not send me what I requested and did not send me a list of the charges or information that I own this account. They need to verify the account and did not in anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: FISERV INC.
State: CO
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:
I made a deposit with XXXX XXXX on XX/XX/XXXX for {$100.00}. The money was never deposited into my XXXX XXXX account. When I discovered this I contacted XXXX XXXX and was told that the intermediary TeleCheck had my money and I would need to contact them for a refund. 

I contacted Telecheck in early XX/XX/XXXX via phone at XXXX and described the issue. They assured me they would refund my money within 30 days. I was given case ID XXXX XXXX 

I still haven't received my refund and called again today and was told this was escalated to a " higher department '' but it would AGAIN be 30 days before I can expect a refund. My new case ID XXXX is XXXX and I spoke to a supervisor with ID XXXX XXXX 

This is unacceptable. How many other folks are they illegally holding money for -- that forget about it or just give up. These folks are not pleasant to deal with and I have been patient to get my refund and I am sick of wasting my time following up with TeleCheck.

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 2023-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX. I was contacted from XXXX, they said they were part of Chase fraud team and i needed to transfer my funds to a different account. They would help me to do this. They gained access to my account and fooled me into transfering my money. I went to the bank and I have had no success on recovering my funds. It dosent seem like anyone is on the side of the person who got scammed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: AR
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 submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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

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 2021-06-22
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Someone used my email address when opening the credit card. I get email notifications regarding their account including multiple past due notifications. I know that this account was not opened in my name because my credit is monitored. I tried calling the company to have them correct the email associated with the account and they were of no help. I do not want to get the emails but seems there is no way to fix the problem.

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 2023-09-07
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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