BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
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: Their investigation did not fix an error on your report

Complaint:
TRIED FIXING THE PROBLEM A FEW TIMES SUBMIT CANCELLATION OF DEBT TO ALL PARTIES FROM IRS PAID IN FULL EVEN UPLOADED PROOF OF DOCUMENTS 1099 C ACCEPTED BY IRS WAY BEFORE NEGATIVE ITEMS HIT AND HARM MY CREDIT REPORT ASK FOR AN REINVESTIGATION OF ACCOUNTS XXXX XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX STATES IF STATEMENT FILLED PURSUANT TO RULE 13D-1 ( B ), 13D-2 ( B ) OR C SECTION 18. 1022.22 AFFILLATE MARKETING Coverage. Subpart C of this part applies to any person that uses information from its affiliates for the purpose of marketing solicitations, or provides information to its affiliates for that purpose, other than a person excluded from coverage of this part by section 1029 of the Consumer Financial Protection Act of 2010, title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111203, 124 Stat. 137. Pre-existing business relationship ( i ) In general. The term pre-existing business relationship means a relationship between a person, or a person 's licensed agent, and a consumer based on : ( A ) A financial contract between the person and the consumer which is in force on the date on which the consumer is sent a solicitation covered by this subpart ; ( B ) The purchase, rental, or lease by the consumer of the person 's goods or services, or a financial transaction ( including holding an active account or a policy in force or having another continuing relationship ) between the consumer and the person, during the 18-month period immediately preceding the date on which the consumer is sent a solicitation covered by this subpart ; or ( C ) An inquiry or application by the consumer regarding a product or service offered by that person during the three-month period immediately preceding the date on which the consumer is sent a solicitation covered by this subpart.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
This my Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 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. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : 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 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 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 2021-03-04
Company: EQUIFAX, INC.
State: GA
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: GOLDMAN SACHS BANK USA
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 had received the alert from my XXXX Credit Report. about the over usage on one of my credit cards for APPLE CARD/GS BANK USA XXXX When I checked, it says that, " Your APPLE CARD/GS BANK USA acount 's Credit Usage significantly increased to 102.0 % with the Credti Card Limit of {$1000.00}. Also, the same account also has the Address Changed information. I was under impression that someone opened up the Credit Card on APPLE CARD/GS BANK USA and later on changed the address. Hence, I called the APPLE CARD/GS BANK USA and XXXX to report the same issue since this Account doesn't belong to my name and I also have't changed my address recently.. The Customer Representative from APPLE CARD/GS BANK USA couldn't find this account under my name but he was further going to investigate about this matter and send out information to XXXX. I was also told by XXXX XXXX Representative to file a complain on Consumer Financial Protection Bureau. Hence, I am filing the same to resolve this matter. It has affected my XXXX  Credit Score very badly. Please take the appropriate action in order to resolve this matter and get the resolution as soon as you can. Thank you!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive constantly contacted the credit bureau 's threw mail, online, and by phone and each time Ive communicated with them that there are several accounts listed on my credit report that are not mine. I believe that these entries are the result of identity theft or fraudulent activity, and I kindly request your immediate attention to rectify this matter in accordance with applicable laws and regulations. I have carefully reviewed my credit report from XXXX dated XX/XX/2023 and identified the following accounts as invalid and or Fraudulent. XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I have never initiated or I have never had any affiliation with these accounts, and it appears on my credit report erroneously. I wish to emphasize that the inclusion of these accounts on my credit report is causing significant harm to my creditworthiness and financial standing. These accounts do not belong to me, and I have never initiated or I have never had any affiliation with these accounts. It seems that the credit bureaus keep disrespecting the laws. I showed them multiple times they are violating the Fair Credit Reporting Act.

According to 15 USC 1618i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has be notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The bureaus have no respect for the laws.

Someone needs to hold the accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

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 2023-02-09
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've tried several times to transfer money from my Marcus Savings account to my external bank account which are both in my name. When attempting the transfer via the Marcus app, I get a message saying that I need to call Marcus Goldman Sachs to do the trfr. When I call I'm told someone from another dept will return my call. They never call back. I called again they asked for an alternative number to reach me I gave ( XXXX ) XXXX They did not call that number. I was told by the Marcus rep that the number they called was a number with an area code ( XXXX ) it appears they are calling random numbers not associated with me. I don't have a number with a ( XXXX ) area code. I hope Marcus is not calling random numbers asking for me or discussing my account when they call random telephone numbers. The area code they called is in another state. I live in XXXX  They also said my ( XXXX ) XXXX XXXX was not a number in my name which it has been in my name for almost 15yrs. I'm not sure what type of hold they have on my account or why but it is not allowing me to access my funds. At this point I want to close the account. Additionally I can't access the statements on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Chime Financial Inc
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a purchase on the XXXX app last year between XXXX XXXX XX/XX/2020 on my Chime Credit Builder Card for {$18.00} but the item ( XXXX XXXX XXXX ) was returned due to the an size issue. I called Chime 's customer service line in XXXX about another issue and the rude customer service agent cancelled my card without my consent. Since the card was closed Chime was supposed to send me a paper check of the returned {$18.00} but it will be a year in XXXX of this year and I have yet to receive my money. I have contacted Chime multiple times since XX/XX/2020 to get my money that is mine. I keep getting the same response that I will receive the check in 8-10 business days via mail. I spend hours on the phone going over the same issue for no results. I know {$18.00} is not a lot but it is my money and Chime has no right to keep it when XXXX has returned my money almost 10 months ago. This is fraud and I do not use Chime anymore due to the lack of trust with my hard earned money. I have sent Chime all the documents requested about the return and Chime has not held up what they are supposed to do by returning my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was reviewing my finances with my friend who pointed out this discrepancy with my account. I was not aware that my account was set up in this manner as I never authorized such. We initially contacted the Wells Fargo customer service line on XX/XX/2019, and made a complaint via the phone. After a long hold, we were advised by the customer service representative that they had wrongly attached the Wells Fargo Visa to my personal account to cover overdrafts. I advised that I wanted all the funds reimbursed over the amount of the actual overdrafts and any interest to be placed a 0 % until we had an opportunity to fully resolve the matter and all costs. A few days later, I noticed that a partial reimbursement of the most recent overdraft charges had been credited to my account in the amount of approximately {$510.00}. Still pending are numerous overdraft charges applied in previous years as stated above for the same identical fees in the amount of {$300.00} per occurrence, although the overdraft could have been for a few dollars. As such, on XX/XX/2019, I visited the local Wells Fargo branch and met with XXXX XXXX, Personal Banker, XXXX, XXXX. I filed a grievance with Mr. XXXX at that time. The Wells Fargo reference number for this research is 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 monetary relief
Consumer complaint received 2023-06-29
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:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 filing 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 non-monetary relief
Consumer complaint received 2020-12-21
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXX, I wanted to lift a credit freeze I placed with Equifax so that I could order digital tax transcripts from the IRS. This requires the IRS to perform an identity check using my credit history. I found out then that Equifax has changed their process from PIN-based to user account based. I attempted to create a myEquifax account, but I was met with an error message stating that Equifax is unable to verify my identity and the I would receive a special code through the mail. 

About 2 weeks later, I received a letter with the verification pin from Equifax and attempted to create an account again. However, after submitting my information and the verification pin, the my.equifax.com website displayed a message saying that my registration is not possible to complete and that I should call their customer support at XXXX. I did that and a representative told me that she was unable to verify my identity and requested that I mail them a letter describing my problem and my personal information along with a copy of my driver 's license. 

I sent the letter along with a copy of my license on XX/XX/XXXX. I had not received a reply by XX/XX/XXXX, so I decided to send a follow up letter ( along with copy of license ) that day. I mailed both letters to the address the phone support specialist told me and that I verified online : Equifax Customer Service, Equifax Inc, XXXX XXXX XXXX, XXXX, GA XXXX. Today is XX/XX/XXXX and I have not received a response to either letter. 

Due this problem, I am unable to lift the credit freeze I placed on my credit history in XXXX. This has inconvenienced me so far by : - being unable to verify my identity with the IRS and request digital copies of my tax transcripts. 

However, this will create bigger problems for me in the future, such as : - inability to pass a credit check for renting an apartment. 
- inability to pass a credit check for purchasing a new car or house. 
- inability to verify my identity with other government agencies, eg. USCIS. 
- inability to sign up for a new credit card. 

To that end, this issue can create a number of difficulties in my life and that of my family. Unfortunately, I have exhausted the ways that Equifax makes available to get support with their product and I am forced to lodge this complaint with you, the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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:
This is my Follow-up 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 items 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 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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX 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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2019-09-18
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Santander Consumer USA has been withdrawing funds totaling {$3600.00} from my savings account since XX/XX/XXXX for a loan I have no connection to. The loan number is : XXXX. This was brought to my attention Friday, XX/XX/XXXX. I immediately contacted my bank, XXXX XXXX. My personal banker moved my funds and alerted XXXX XXXX fraud department. She also contacted Santander and explained the error, to which the representative said there was nothing he could do. The most I was offered was to escalate the problem to the Executive Complaints Department ''. Today an individual finally returned my call and again told me this is my banks problem! Repeatedly Santander tells me that maybe I am part of this fraud, and that many accounts are paid by a third-party. I completely understand why they can not release customer information, but I do not understand why they do not investigate the issue and try and contact the person on the loan to verify if they know me or why their payments are coming out of my account. 

I am also sending an email to the CEO, XXXX XXXX ( XXXX ) sharing with him that I am filing a complaint with the FTC.

Company response to consumer: Closed with explanation