BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Made a {$100.00} purchase at a website that i realized was fraudulent. I was unable to contact the store to cancel the order so i turned to Goldman Sachs/Apple card to cancel the payment. They originally refunded me, but then came back to let me know that things had been delivered to me and that i was responsible. I let them know that this was not the case and that the merchant had provided a fake tracking number. This was also given to me on print so small that I had to use a magnifying glass to read it. They then rejected my claim for a final time. I lost {$100.00} to a fake store.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-30
Company: PNC Bank N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I attempted I believe a few months ago, last year and even today ( today twice ) to link my PNC card to an app but their having connectivity issues or whatever but its every single time. All I would get is emails from Pnc bank saying that they received a request to link my bank account but it never went through. I spoke to PNC about it the first time and still no help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: CA
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 following inquiries are fraudulent and do not belong to me. Please have these following inquiries removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never been notified of this debt nor is this mine, I have disputed several times with nothing received back. Please help Phoenix Financial # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: CA
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 following inquiries are fraudulent and do not belong to me. Please have these following inquiries removed from my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18
Company: Medical-Commercial Audit Inc
State: MO
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:
There is inaccurate information reporting on my credit report.Account number XXXX, This inaccurate medical account was paid to the original data furnisher XXXX XXXX and should not have never been put on my credit report. I would like for the whole account to be deleted immediately. It's not reporting 100 % accurately. It doesn't even have the name of the data furnisher, nor any other identifying information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It 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 by more than seven years.

15 USC 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 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 2022-03-13
Company: Experian Information Solutions Inc.
State: OH
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 Convergent inquiries : XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX, 2021 Capital XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX  2021 XXXX XXXXXXXX XXXX XXXX, XXXX, 2021 XXXXXXXX XXXX XXXXXXXX XX/XX/2021 have violated my rights. 

15 U, S.C 1681 section 604 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 2022-03-13
Company: EQUIFAX, INC.
State: OH
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 Convergent inquiries : XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX, 2021 XXXX XXXXXXXX XXXX, XXXX, 2021 XXXX XXXX XXXX  XX/XX/2021 XXXX Card services XXXX, XXXX, 2021 XXXX XXXX Bank XXXX, XXXX, 2021 XXXX cards XXXX XX/XX/2021 have violated my rights. 

15 U, S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  : {$410.00} XXXX XXXX XXXX  : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2022-11-15
Company: MIDFIRST BANK
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
o/a XX/XX/2022 XXXX XXXX starting charging me fees when i wrote to them they reversed those fees. However most recently they have charged me XXXX of fees without providing an explanation of those fees per RESPA. I spoke to them today XXXX and they still couldn't explain why they were charging me fees. The fees that they did say were reimbursed have not been shown to me in detail. I have also submitted a complaint to VA on these presumed deceptive practices.

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 2020-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020 - I purchased an item from XXXX XX/XX/2020 - I returned an item to XXXX XX/XX/2020 - Item arrived at XXXX XX/XX/2020 - Contacted XXXX regarding a refund and why I haven't gotten a response yet. 
XX/XX/2020 - Contacted XXXX again sending additional proof that I sent my item in along with a signed affidavit that XXXX made me sign. 
XX/XX/2020 - Attempted a charge back with Bank of America because XXXX refuses to refund me despite item arriving. 
XX/XX/2020 - XXXX contacts me asking why I started a charge back, XXXX later tells me to not worry and let the charge back to go through. 
XX/XX/2020 - Bank of America closes claim and re bills my credit card.

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 monetary relief
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/XXXXXXXX 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 2023-04-08
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have had many issues with Harris and Harris in the past. In fact, they called me nonstop from various different numbers with both KY and NY area codes for about 8 MONTHS relentlessly. Sent me tons of spam mail in that time, and texts too! I called them on many occasions letting them know I am not the insurance policy holder/person responsible for northwestern medical bills as I'm under my parents ' insurance. I have repeatedly given them the correct contact information of my father who can pay whatever bill is necessary, but they always end up coming right back to me. My dad already paid them no more than 6 months ago too, now they're saying they need {$25.00}? And they're back to spam calling me with NY and KY area coded numbers and spam mailing me. Again. I just lost my job and applied for XXXX and their harassment is the last thing I need, granted I'm not even the one responsible for the debt and I've repeatedly told them that and to stop contacting me/contact my father who can pay whatever is needed instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am writing to express my deep DISAPPOINTMENT with your recent claims regarding my accounts. I AM REJECTING THESE CLAIMS ON THE BASIS THAT YOU LACK ANY MATERIAL FACTS OR EVIDENCE to support your assertions. As a result, I strongly urge you to initiate a thorough investigation into these matters without delay. 

Your claims have cast a shadow over my financial standing and have the potential to cause severe harm to my creditworthiness. It is imperative that we resolve this situation promptly and accurately. 

I insist that you immediately dispute these accounts and provide me with clear, documented evidence to support your position. Failure to do so will leave me with no choice but to seek a legal remedy to protect my rights and rectify this situation. 

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 2023-03-04
Company: Experian Information Solutions 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:
My name is XXXX 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 explanation
Consumer complaint received 2021-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Capital One has responded to complaints that I have filed with CFPB in which they have admitted on three occasions that there were fraudulent charges to my account .These charges led to fees and charges to the account by Capital One. Capital One has never mentioned the legitimate charge for which I paid Capital One and then the product I purchased arrived broken and I returned the product and the vendor credited my account leaving the account with a credit balance which Capital One owes me. Documentation supporting my position was mailed to Capital Ones Customer Advocacy Office however Capital One has never acknowledged the documentation. Capital One has erroneously reported my account as being delinquent thus destroying my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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: Their investigation did not fix an error on your report

Complaint:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint.

You never had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place. 

In addition to the many violations, XXXX is NOT the original servicer of XXXX Account # XXXX, Account # XXXX AND Account # XXXX. That makes them a third party debt collector under the FDCPA. It shows the accounts are Paid in Full ( PIF ) which means these student loans were paid in full by an insurance claim filed by the lender or guarantor agency. It was paid via insurance. 

XXXX has also failed to properly secure and safeguard personally identifiable information for more than 2.5 million borrowers, including myself during a recent data breach of its servers.The particular PII allegedly included my addresses, email addresses, phone numbers, and Social Security numbers. The complaint argues that the release of that information resulted from XXXX ( 1 ) failure to secure the data, ( 2 ) failure to comply with industry standards, ( 3 ) unlawful disclosure, and ( 4 ) failure to provide adequate notice of the incident. 

What I am demanding right now is that you guys delete the following XXXX Accounts : Account # XXXX, Account # XXXX AND Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.

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 2023-05-26
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Arvest Bank has failed to honor their Get XXXX bank bonus program even when I have successfully met the qualifying criteria each month to get the bonus. The bonus promo reads as follows ( my comments are in the square brackets for each criteria )... 

Once your account is opened, you will be eligible to earn up to three {$50.00} bonuses. Simply complete these steps during each statement cycle : - Open a personal checking account with the required minimum deposit [ YES I opened on XX/XX/2023 with {$50.00} opening deposit ] ; AND - Set up a qualifying direct deposit OR automatic payment OR recurring debit card transaction [ YES I setup a recurring debit card transaction that is sourced from XXXX in the amount of {$1.00} each that posted to my account automatically on XX/XX/2023 and XX/XX/2023 ; I also setup another recurring debit card transaction thru XXXX in the amount of {$0.00} each that posted to my account automatically on XX/XX/2023 and XX/XX/2023 ] on your account ; AND - Make eight ( 8 ) purchases with your debit card [ YES I made XXXX purchases on XXXX in the amount of {$1.00} each on XX/XX/2023 and another set of XXXX identical purchases on XX/XX/2023 ] Each {$50.00} bonus will be credited to your new personal checking account if all requirements are met by the end of your monthly statement cycle. To make it even easier, you have up to six statement cycles to earn the full {$150.00}. 

You must open your new account by XX/XX/2023 to be eligible for this exclusive offer. [ YES account was opened on XX/XX/2023 ] [ I have received none of the three {$50.00} bonus payments that I successfully qualified for to receive ]

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 2020-06-18
Company: NAVY FEDERAL CREDIT UNION
State: DC
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:
Navy Federal. Has not being reporting my credit cards to the credit bureaus. I have been on my husbands account on one of them since XX/XX/XXXX. They inadvertently deleted me from the account in XX/XX/XXXX. Then we had to add me back on, they stated he deleted me from the account in which he told them he as not. The credit card was deleted from credit. Since then we have been trying to get it reported. They said they have been. I have contacted all three credit bureaus and they said I was deleted per their request and to have them reinsert the credit card into the 3 agencies, This is credit card is for then one ending in XXXX the secure credit card. 
We have also opened another credit card with navy federal, their cash rewards card. We have complained it was not showing on the credit bureaus also. Under my husband XXXX XXXX XXXX it showed up on XXXX XXXX and XXXX, but not on XXXX. But it was not reported to any of the credit bureaus for myself. They stated they have been sending the reports to the credit bureaus, But nothing has shown up. I would like to them to fix this issue that has been going on for almost 10 months. They always try to give us the runaround stating just be patient, or just report it as a credit card not being reported. I have done the dispute process with all three credit bureaus ; the results all come down to Navy Federal not reporting it per their findings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation