BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: MD
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
items ; Experian : DEPTEDXXXX  XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXXXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX XXXX : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX  XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXXXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$8700.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX XXXX : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX  XXXX Balance : {$1600.00} DEPTEDXXXX XXXX XXXX : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXXXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX  XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$8700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/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 2022-02-16
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had posted a XXXX XXXX and equipment for sale on XXXX XXXX on XX/XX/2022 for a total of {$3500.00}. I had a person by the name of XXXX XXXX message me on XXXX messenger stating he was interested. He stated that he would like to buy the camera and would send me money thru XXXX ( which I have never used before and I saw it on my Wells Fargo App so I thought it was a trusted site ). I received a fake email ( at the time did not know how XXXX worked and the email I had received looked very professional ), stating that I had a pending amount and would just have to ship out my camera and verify tracking number then the amount would deposit into my account, the money never came. I then received another email from XXXX stating that because of the amount of money, the buyer of my camera would have to send me an extra {$800.00} to open up a business account, so the buyer and I agreed that he would send {$800.00} extra ( which I received another email stating that the money was pending, I would just have to then send the {$800.00} back to a XXXX XXXX, and the money would be deposited into my account ). So I initiated the transfer of {$800.00} to the buyer on XX/XX/2022. And the money never came into my account. I received another email stating that I would have to send another {$500.00}. At this point, I now realized that I was being scammed. I called XXXX, explained my situation. They stated that it was a fake email, this was a scam, but there was nothing they could do but report the account I had sent money to. I called my Wells Fargo Security and explained what was going on and I filed a dispute right away. The Wells Fargo rep stated that I should have no problem getting my {$800.00} back. I waited 10 days for the claim to be processed, and I got a letter stating that there was nothing they could do about the {$800.00} I had sent. I called back again to Wells Fargo and reopened my dispute and told them I had filed a police report and everything. I told them that XXXX had reported the account that I had sent money to and that account is now unregistered with XXXX. I just received another letter from Wells Fargo stating that because I authorized the transaction, there is nothing they can do. For a company that I have been with for 10+ years, I feel as if they should help me out. I would have never authorized the transaction, had I known I was getting scammed. So now not only am I out {$800.00}. I also shipped my XXXX  and equipment that I was selling for {$3500.00} with no possible way of getting that back. Please help me out.

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 2022-11-02
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed item does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. 
XXXX XXXX Balance : {$390.00} ; If the credit bureaus feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-02-16
Company: CITIBANK, N.A.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX email sent to attorney that originally helped me with this case back in XXXX : I received a call today from an unknown number, so my phone automatically sent it to voicemail. On the recording I was told that it is an attempt to serve me and that legal action is currently being taken against me. I initially didn't think anything of it because, like many of us, I've been receiving an increased amount of spam calls. Not five minutes later, my Mother sent me a text message and a recording she received from someone looking for me in an attempt to collect. 

It is at that point that I called the number that was left on both of our voicemails. The gentleman that answered the phone told me, after I gave him my case number, that it was Citi Bank from a card I had with them back in XXXX. I expressed my frustration with them calling someone other than me and to my knowledge that was still illegal, to which his response was that it is not. 

He then told me they are trying to serve me papers, my total debt owed is {$930.00} and any other questions I may have will be answered in court. 

Since you last helped me with this case, I have not received one phone call or any written correspondence regarding this matter. The case number is # XXXX, phone # XXXX. Additionally, I have checked all three major credit reporting institutions and none of them reflect this alleged debt or amount. 

XX/XX/XXXX : both my mother and I received another call today re : same CitiBank attempt to collect a debt via XXXX XXXX XXXX. When I expressed to the rep ( XXXX ) that what they are doing is illegal and that I would now be filing a complaint with the FTC, she started asking more questions about my case and at that point I just hung up. Phone # they called from is XXXX, case # XXXX. 

I had communication with my attorney, XXXX XXXX XXXX w/ XXXX, XXXX  XXXX on XX/XX/XXXX, at which time he advised me to not engage as it was a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a Traditional IRA account with Synchrony bank. In the past few months, I tried to move out my funds from Synchrony with no luck. 
- Tried to send it to XXXX in XXXX, they send a check, and then they put a stop payment on it. 
-tried to transfer $ XXXX to XXXX bank in XXXX, and nothing happened, I was told by Synchrony they never received the documents, while XXXX had faxed confirmation to synchrony. 
-tried to transfer funds to discover with no luck ; Synchrony said they have never received the funds. 
-in a most recent case, on XX/XX/XXXX, I request XXXX to transfer my entire Money market account from Synchrony ; they faxed the paperwork to Synchrony on XX/XX/XXXX at XXXX pm ; since then, I tried to have synchrony wire transfer my funds, and I was told my synchrony that they received the paperwork on XXXX, but the paperwork dose does not have " signature guarantee, '' and they can not transfer my money when I reached out back to XXXX XXXX they said they send the docs with " signature guarantee, '' and they provided it to me, I uploaded the paperwork on XX/XX/XXXX with '' signature guarantee '' again in synchrony bank portal and reach out to them I was told they can not transfer my funds.

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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
items ; XXXX : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Reported : XX/XX/XXXX XXXX : DEPTEDXXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXXXXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX TransUnion : XXXX XXXX Balance : {$1500.00} DEPTEDXXXX XXXX Balance : {$1600.00} DEPTEDXXXX XXXX Balance : {$1700.00} DEPTEDXXXX XXXX Balance : {$2600.00} DEPTEDXXXX XXXX Balance : {$2100.00} DEPTEDXXXX  XXXX Balance : {$2100.00} DEPTEDXXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Reported XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I received a copy of my credit report and noticed that there are 5 accounts from Medical Data Systems that have not been verified. I requested validation of the alleged debt and did not receive anything proving that these accounts belong to me. I also noticed that these accounts are reported inaccurately which violates my right to have a 100 % accurate consumer report. Furthermore Medical debt must be properly investigated and the method of such investigation is hereby requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$3100.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
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. 


Account name : 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 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 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 explanation
Consumer complaint received 2022-12-03
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: Information belongs to someone else

Complaint:
checking my credit report ive noticed alot of invalid information. I am intrested in disputing my credit report with Equifax. this is he hindering my file and I can not move forward due to information being incorrect. please correct all the information requested so my credit can be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm a business owner. I deposited a check of {$75000.00} some time in XX/XX/2019, in my Business Checking Account at the BB & T, XXXX, Georgia branch. I made a withdrawal of {$30000.00}. Later on, when I went there for another withdrawal, I found out that both my account and debit card were blocked for no reason I aware of. 

I have been requesting for that money for four [ 4 ] months now. Still I cant get access to my account. When I go to any branch, they refer me to the fraud department and when I contact the fraud department, they too ask me to go to the any branch, and that the fraud department does not have any problem with my account. I did this for more than six times and still my account is active but no way to get money out of it. 

Please, I need your assistance as this matter has created a big problem in business.

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 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX and Transunion are reporting incorrectly that I am past due on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This account is currently coded an I5. This incorrect reporting is harming my credit score. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-10-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
1 ) The bank charged excessive NSF fees by paying a large sum amount rather than returning the large item and paying the smaller amounts. They have done this for years and it is causing a financial hardship. Over XXXX since XX/XX/XXXX. 

2 ) The bank charged me XXXX in service fees since XX/XX/XXXX when there were other options available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The disputed item does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. 
XXXX XXXX Balance : {$390.00} ; If the credit bureaus feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
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:
I sent a letter on XX/XX/2022, to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XXXX XXXX. Ive already included this in my previous Complaint XXXX, XXXX, XXXX and I am including these again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$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