BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I am consumer. I am XXXX XXXX XXXX, XXXX # XXXX. This written by me and not a third party or law firm. TransUnion is obligated by FCRA to report accurate accounting consumer has advised all reporting is still inaccurate and missing data. I requested TransUnion send METHOD of VERIFICATION in 15 days three times. I have not received it. TransUnion has continued to violate my consumer protected rights. I am NOT requesting a reinvestigation and I am NOT requesting e-oscar report. According to LAW TransUnion had 15 days to provide the documentation used to verify my disputes. TransUnion must provide me with the name of the person spoken to, documentation used, consumer signed wet ink signature written. If TransUnion does not have documentation to show there were in fact accurate it must removed ASAP. Consumer is seeking monetary damages according to FCRA 15 USC 1681o, Civil liability for negligent noncompliance and 15 USC 1681n civil liability for willful noncompliance violations {$10000.00}. TransUnion commission file number XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX will be filing form 211 treasury omb form to audit consumer account. XXXX is securitizing consumer data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: WELLS FARGO & COMPANY
State: TX
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:
A male individual who presented himself as a Wells Fargo customer service employee called me from the Wells Fargo customer service number claiming there was a wire transfer and XXXX transfer attempting to be sent from my account to an individual that I did not know nor did I authorize either of the payments. 

The individual told me due to the nature of wire payments that they would be processed so I needed to send reversal wires in order to retrieve the funds back in my account. Individual walked me through setting those wires up on my phone and even asked security questions that a normal Wells Fargo employee has asked me in the past. Once the reversal wires were sent by me I got another call from Wells Fargo customer service representative a couple days later asking me if I sent the wires and I said yes because thats what I was instructed to do by who I thought was a Wells Fargo customer service employee. Thats when they told me a customer service rep wouldnt have advised sending a reversal wire and I knew I had been scammed. Filed multiple claims with Wells Fargo to retrieve the money back into my account but Wells Fargo said they cant do anything because the wires came from my phone/IP address on the account technically.

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 2023-07-17
Company: EQUIFAX, INC.
State: CA
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am having trouble with Citibank 's interest calculations. On XX/XX/19, I submitted a payment of {$24000.00} to my credit card that I believed would pay off the total on the card. This was 2 days before the billing cycle closed and before my statement was completed. When the statement arrived, I overlooked reviewing the statement because I believed the balance was paid off. However, shortly after, I began receiving harassing phone calls for my overdue account. I explained that I had paid off the account, and assumed the error would be corrected. However, this problem continues, and I researched the issue. It seems that rather than zeroing out my account when I paid it off, Citibank charged interest- $ XXXX for a large purchase- $ XXXX that I paid off during the same billing cycle. They then continued to charge late fees for 3 months on the erroneously charged interest. When I phoned to resolve the issue, the operator continued to tell me that the fee is due to the {$990.00} balance I carried over from the prior month. When I told them the interest rate on my card is 15.24 % and the interest should be no more than {$12.00}, they continued to argue, making various points, but none of them holding up to our credit agreement.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: In progress
Consumer complaint received 2022-12-27
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NOTICE to SYNCHRONY BANK for failure to verify alleged debt pursuant to 15 USC 1692g ( b ). If you dont lawfully verify alleged debt or cease all collection activities I SHALL claim harm by way of TRESSPASS, FRAUD and EXTORTION.

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 2022-12-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX and 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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-22
Company: Radius Global Solutions LLC
State: KS
Product: Credit card
Sub-product: Store credit 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:
I, XXXX XXXX, did not make a purchase nor receive any goods on this account and dispute this debt. I have called and tried to resolve this with XXXX and they expressed they gave me XXXX information for now 9 months and now 9 months later tell me when the debt is with a collection agency that they have a proof of delivery which is absolutely impossible as there was no delivery of any products or any purchase from myself and no one has access to my information at this time or ever. This was fraud and I reported it as such as soon as possible and tried on so many different dates and occasions to resolve this. I want this account closed and this off my 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 2020-02-13
Company: EQUIFAX, INC.
State: NV
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:
SOME CREDIT ACCOUNTS WAS OPEN IN MY NAME WITHOUT ME KNOWING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: U.S. BANCORP
State: MN
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 was scammed by a fake XXXX XXXX  company late XXXX. I called US Bank to dispute the charge but they denied me after not receiving a letter in the mail. I called a few days ago, reopened the case and had the letter resent but they charged me {$100.00} anyways sending me into a negative balance and unable to pay bills. Today I called and they hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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

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 2018-03-04
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ERC ( Enhanced Recovery Company ) XX/XX/2016 - I called them about 8 months ago as soon as I saw this on my credit report, ( I didn't even know about it ) paid off this debt in full and the collection is still showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: NJ
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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

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 2023-02-17
Company: Experian Information Solutions Inc.
State: SC
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:
To whom it may concern : Please be advised this is my second request that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the second time that you provide the method of verification you used along with my wet signature. A letter was never sent to my current address or verified. I requested the following information : 1. The name of the individual business address and telephone number of the person or business contacted during your reinvestigation.

2. The name of the person who verified the dispute with the original creditor.

3. The documentation that was used to verify the dispute to date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database including my wet signature ).

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Provide Verification XXXX XXXX UNVERIFIED ACCOUNT

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 2020-02-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2020, I contacted the general number to attempt to settle my debt. I had been working with a debt collector by the name of XXXX XXXX. I wanted to speak to her and was told I wouldn't be allowed to. I told him I wouldn't be able to make a payment previously agreed upon. He told me and I quote " you don't get to speak to XXXX. You don't get to pick who your talk to. Grow up boy and that payment on Monday better be good. Get a real job. '' This abusive contact deterred me from working with the company. I told him I wanted to cancel any payments and cease working with them and he did not cancel the payment and said the money better be there. This was absurd and abusive. He was using coercive and intimidating language in an attempt to secure the funds and then hung up on me without confirming the payment would be cancelled. I do not wish to work with this company any longer and will not subject myself to their predatory practices again. They called me back and blatantly lied to me saying they told me about the letter they sent me offering a 50 % discount on the debt. It was on a recorded line when he told me over the phone that they could settle for no more than 20 % off. These lies and treachery are an embarrassment and make an already difficult situation, more difficult. The insults received from an unnamed employee were also on a recorded line.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
I have filed a dispute for incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: GOLDMAN SACHS BANK USA
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:
Goldman Sachs has failed to cease reporting of my UTILIZATION to all three credit reporting agencies. They are illegally reporting this information & are failing to comply with the LAW. I will be seeking damages due to willful non compliance. If they close this complaint without properly resolving my case THE FTC, THE XXXX, & The Attorney General will be informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I signed up for an Apple Card ( issued by Goldman Sachs ) for the sole purpose of its advertised use- to buy apple products with 0 % financing for 24 months, with the option to trade in an XXXX after 12 payments with the value of the phone being deducted off the purchase price. This worked well, and I was planning to upgrade to a new model. However, Apple and Goldman Sachs changed their terms, materially, earlier this year, while still advertising the product as it was originally conceived. The new terms require a cell phone plan with only a choice of the largest 3 carriers in the US. Apple says you do not need to keep it on that plan, but one is required for purchase, using the monthly installments. This leaves people like me who were relying on Apple to keep their promise in a situation where a new phone can only be purchased with a big 3 carrier plan, whereas before, it could be purchased " on any carrier '' - which is still the case, but not with the monthly installments, which was 90 % the reason for me getting the card. This anticompetitive behavior hurts consumers who do not want to pay extremely high fees for a " big 3 '' carrier plan. It also means consumers that relied on this are stuck with a device that will be depreciating in value until the term of the payments is complete, or who take a huge loss.

Company response to consumer: Closed with explanation