BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
In reference to my Previous complain file XX/XX/2022. Its been More than 30 days since i filed a complaint disputing the following accounts XXXX XXXX XXXX account number : XXXX XXXX  account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number : XXXX XXXX XXXX  account number : XXXX XXXX XXXX  account number : XXXX XXXX  account number : XXXX XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX account number:XXXX XXXX XXXX account number : XXXXXXXX XXXX account number : XXXX According to Fair credit Reporting Act 15 U.S. Code 1681i section ( 1 ) ( A ) states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

further more i wasn't notified within 5 business days that my dispute was being investigated. According to Fair credit Reporting Act 15 U.S. Code 1681i section ( 2 ) ( A ) states thatThe consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

I now Demand for the above accounts to be removed from my credit report as fast as possible

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 2022-11-24
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : 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 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 2018-05-16
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
While reviewing my bank account on the morning XX/XX/2018, I notice that my account was placed on hold with a - {$6600.00}. I contacted the institution who informed me they received a letter of garnishment and they required by Texas State laws to get outside council and seek 125 % of the total debt, post debt, and up to {$1000.00} in attorneys fees but that it had not been referred to outside council yet. I immediately asked the representative why wasn't I informed of this by them and ask if I could seek council and for them not to do it because I can not afford to pay the additional charges related to this charge because I didn't open the account and needed to gather more information which i requested from them. The bank gave me the debt holders information which was XXXX XXXX who's represented by XXXX XXXX XXXX. I contacted XXXX XXXX who directed me to XXXX XXXX XXXX who would not speak to me but simply transferred me to a debt collector who I explained to that I believed that a family member who had previously used my information had opened and used the account as if they were me. I asked could we reach a settlement agreement the waved all of the late fees that have built up over a 10 year period which they refused. I pleaded with them to no avail speaking to multiple agents. I am only willing to settle this because I sure it was a family member who did this and I just want to clear my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is in reference to : COMPLAINT ID XXXX SUBMITTED ON : XX/XX/2023 I am resubmitting my claim as Citibank did not have my other one in file. Complaint Summary : XXXX Friday, XX/XX/XXXX, deposited a settlement check, but discovered on Sunday, XX/XX/XXXX, that all accounts had been removed. 
-Contacted Citibank and was informed to wait until Monday to speak with the XXXX Department XXXX 
-Experienced inconsistent information from Citibank XXXX the issuer of the check, and the former employer 's attorney. 
-Citibank denies knowledge of a call made from a provided number, contradicting statements from the issuer of the check. 
-Despite being a recent graduate and social worker, concerned about being treated as having questionable character. 
-Attorney with Citibank XXXXad no trouble depositing a check from the same issuer, raising doubts about Citibank 's investigative process.

-Citibank 's failure to provide guidance or alternative resolutions led to the customer verifying the check independently. I requested previous statements from the bank teller that sent it back to the fraud department. As the fraud department did not have access to this information and shows I have received multiple checks from this company when I was employed here. 
-Faced difficulty in identifying the correct contact number for XXXX XXXX XXXX XXXX the issuer of the check. Even though the bank teller provided me with the number Citibank had on file. 
-Citibank told the issuer that the account was frozen because of an attempted cashing of the check, despite having proof of the deposit.

-Citibank is holding the customer 's money, refusing to provide any information or updates. 
-Was told a supervisor XXXX would be able to help me and there was a note in my file to speak with her. I was never connected to her or received a call back. When I contacted Citibank again asking to speak with her, they said there was no record of this. I have all conversations with Citibank recorded. 
-Citibank is telling me they still need the issuer of the check to call or have bank the check is issued from fight to get the money back with a hold harmless claim

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 2023-10-13
Company: EQUIFAX, INC.
State: NC
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 is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$76.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX : {$30000.00} XXXX XXXX XXXX : {$17000.00} XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX T ) XXXX Balance : {$390.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard credit hits on my credit from XXXX XXXX, XXXX/XXXX  and XXXX XXXX  XXXX XXXX 

ALL NOT ME. 

PLEASE HELP ASAP

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 2023-06-26
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Companies Involved, Chase Bank : Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  Dispute : I closed my bank account with Chase because there was a zero balance. They charged me for monthly fees, overdraft fees, and also XXXX XXXX XXXX mistakenly charged me than reversed it on this closed account. Chase Bank has sent me a bill for {$48.00} which are all overdraft & monthly fees caused by them not closing the account. 

Dates/Facts On XXXX XXXX, I wrote an email to Chase Bank and asked them to close my account as I now had a zero balance. I also made a phone call and talked to them. I called XXXX XXXX XXXX as well. unfortunately, there was a mistake, XXXX XXXX XXXX had not stopped their monthly withdrawal on my account. I spoke to someone at Chase and emailed them as well. 
XXXX XXXX - XXXX XXXX XXXX checking account {$60.00} chasebank account. Additionally, they charged XXXX XXXX XXXX {$60.00}. 
XX/XX/2023 NSF Charge for XXXX overdraft fees XX/XX/2023 Reversal of {$60.00} XX/XX/2023 Reversal of {$34.00} XX/XX/2023 Bill payment of {$60.00} XXXX XXXX XXXX Monthly Service Fee of {$12.00} XX/XX/XXXX. XXXX  Reversal Bill Payment of {$60.00} XXXX XXXX 2023 Monthly Service Fee of {$12.00} XXXX XXXX, 2023 Monthly Service Fee of {$12.00} XX/XX/2023 Overdraft {$48.00} XX/XX/XXXX : 2023 I received a letter in the mail from Chase Bank stating that I owed {$48.00}. I dont undersand how the banking industry gets away with stuff. I would also like to let you know that I have spent 1 hour with 3 different chase representatives trying to work this out and they refuse since they conveniently have sent this to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX my wife and I ( XXXX and XXXX XXXX ) discussed a temporary account to open for {$600000.00}. with Wells Fargo Banker XXXX XXXX, his telephone number XXXX ( Store number XXXX, Officer number XXXX ). We explained that we did not want to tie the money up because we wanted to have it available in case we needed it. XXXX XXXX assured us the account we were requesting was new and there would be no penalty if we needed the money. The conversation that took place in XXXX XXXX 's office did not correspond with the paperwork we were given and I explained to him again that I did not want a CD, he assured me again that this was something new and there would not be a penalty if I decided to withdraw the money. 

On XX/XX/XXXX we went to another Wells Fargo to close the account and we were told there would be {$3300.00}. penalty because of early withdrawal. 

We filed a complaint with Wells Fargo Bank and we were informed that we would not be reimbursed for the {$3300.00}.

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 2021-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 XX/XX/2020 through XXXX XXXX. I got personal loan from XXXX XXXX XXXX for {$2000.00} pay off my capital one card to raise my score for new car. Once bank paid off my loan i call ask to verify. Bank rep ask me did i close to the account & i did. Wasnt as knowledgeable with credit as i am now. Hurt my credit by -40 points. I file a dispute capital one just put my account as paid as agreed. After i requested for it to be removed from my credit report. Still showing ristricted access to the closed credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 feel taken advantage of from this credit reporting company. Information is on my report which I know isnt being reinvestigated properly. This information is reported with errors and is affecting my score and I am beyond stressed out by this at this point.

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
PLEASE HELP! I FEEL HELPLESSLY TAKEN ADVANTAGE OF, BULLIED & MANIPULATED BY TRANSUNION! 

I currently have new information regarding two CFPB complaints ; # XXXX and # XXXX, in which TransUnion and XXXX are taken advantage of me as a consumer and breaking protection laws. TransUnion is allowing this fraudulent account to report on my consumer credit report although I have submitted my FTC Report, ID and social security card as proof that this account is fraudulent. I have submitted all of those attachments and evidence of TransUnion 's criminal activity. 

I have called on the phone and submitted many disputes since XX/XX/2021, TRANSUNION IS REFUSING to completely remove this account. Instead they are updating it. Fraud is fraud and TransUnion is perpetuating this fraud by continuing to report it. 

I SUBMITTED MY FTC IDENTITY THEFT REPORT ALMOST 2 MONTHS AGO.

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 2018-05-15
Company: Experian Information Solutions 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:
I ordered XXXX XXXX  in XX/XX/XXXX. The original contract rate was for a year, which was paid, and I continued to pay it until XXXX bought XXXX at the end of XXXX. When XXXX took over the service, they raised the rates somewhere around 70 % and the service was horrible, so I called them and told them to get their equipment, I DID NOT WANT THEIR SERVICE. They never picked up their equipment, and they continued to charge my account in spite of me calling to cancel. 

I attempted to cancel this account multiple times in XX/XX/XXXX and was either hung up on or they said equipment pickup was scheduled and it never happened. 

Cliffnotes : 1. THESE CHARGES ARE UNAUTHORIZED. 

2. XXXX is essentially using Experian and my credit rating to extort funds from me. 

3. If I, in fact, did have their service, then why didn't they cancel it after 90 days of no payment? ( Because they know they can use credit bureaus to extort funds from people with little to no consequence ) 4. The other credit reporting agencies have long ago removed this from my report. 

5. Lastly XXXX  HAS NO SIGNED CONTRACT OR EXTENSION FROM ME FOR THE DATES THEY SAY I OWE THEM FOR, because I never wanted it nor would I have signed it. 

Thank you. 

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 2023-06-26
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft... someone has used my ssn, dob, name to buy XXXX XXXX. 

XXXX has forwarded the account to collections, hurting my credit. I have never lived at, known anyone or given permission to any persons at the address where XXXX provided this service. 

I have filed dispute paperwork with XXXX, Sequium Asset Solutions and all credit bureaus, but nothing has been returned to me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern : I am writing to inform you that I requested a chargeback from Trusit Bank, from a XXXX XXXX. For a XXXX XXXX  by the name of XXXX, it's a SCAM!! The merchant inaccurately described the merchandise or services, either in a written description or in a verbal agreement. The merchant advertises on XXXX as if they are selling you a XXXX XXXX bot, when in fact they are selling you a XXXX XXXX program. This XXXX XXXX is a scam. They are false advertising!! I was under the impression that I was buying a XXXX, when in fact I paid for a program that teaches you how to use a XXXX on a system that is not their Own! They never not once disclose that they were only a training program. I would not have purchased this program had I know this in the very beginning. This XXXX XXXX is not transparent at all, he is a marking scam artist. I want this {$1400.00} Robot I paid for or my money back!!! SCAM!!!! Obviously, theres a problem that needs to be addressed if this merchant is regularly providing merchandise or services that dont match the description. They advertise very strategically to lure you in to get your money. Then they make it very difficult for you to get your money back. I sent an email to them, requesting a refund. No refund was given. There refund policy is shady as well, with a hidden clause. They make everything sound so good. 30 days money back guaranteed, but you must prove that you could not use the system. Just one big advertainment scam!! Before they allow you to access any information on the platform, you have to sign an NDA agreement. Once you sign that agreement no refund, but there is know way for you to know what you purchased unless you sign the NDA. that's how they trap you and make receiving a refund impossible. Upon access to this information, I immediately realized I was Scammed!!! They do disclose that you will have to pay some additional money for software updates, but that additional money is actually for robots on another platform that they are affiliate marketers for. This program is nothing at all like advertise. They make you sign this sketchy contract with so many loopholes, but you don't realize what you have gotten yourself into until the damage is done. I want my money back!!! This whole program is a scam and very misleading!!

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 2019-08-01
Company: Experian Information Solutions Inc.
State: NJ
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:
Didn't recieve enough information to verify debt : In XXXX, XXXX, XXXX and XXXX of 2019 I requested XXXX XXXX XXXX to provide verification according the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification with an original signed consumer contract to which they have repeatedly responded with nothing more than a statement that shows a balance of {$1600.00}. Not what they are required by law to use to legally verify a debt.They continue to be in violation of section 611 non-compliance and have caused severe damage by contuing to report to the 3 credit agencies.

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