BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: GOLDMAN SACHS BANK USA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am a XXXXXXXX retiree and lived XXXX to XXXX in XXXX 
I opened accounts with Marcus by Goldman Sachs XXXX XXXX and I dropped everything to dash back to the XXXX. 
I closed down almost everything in XXXX including my rented apartment but couldnt close down my Marcus by Goldman Sachs account.

I returned to XXXX  to close my Marcus accounts. 
They asked for a US address. 
I checked with my hotel and, as they know me, they agreed for me to use their address. 
Marcus accepted and registered the hotel as my US address. 
I then started to call Marcus to close my accounts. 
I phoned DAILY for TEN days and was on the phone for anything from 45 minutes to 1 hour 52 minutes!!! 
The hotel received 4 letters marked for my attention from Marcus which proved they accepted the hotel as my address. 
Marcus are now saying they can not send checks to the hotel. 
I can not give them another address. 
They are now saying my accounts will go into the UNCLAIMED ACCOUNTS.

Im telling them they cant as Im claiming MY MONEY!!!

Because of the above, Im claiming that Marcus by Goldman Sachs is stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I contacted the XXXX credit bureaus to inquire about inaccurate information that is currently reporting on my credit profile. XXXX is XXXX account that was opened XX/XX/XXXX on my profile. The account number is XXXX and has a balance of {$630.00}. It was opened against my knowledge and consent, and is a charged off account that has a negative rating on my credit profile. I am asking all three credit bureaus to remove this account from my profile. Per 15 U.S.C 1681S-2, " permissible purpose of the consumer, a person shall not furnish any information related to a consumer to any reporting consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 U.S.C. 1692-J states, " No one may design, compile, and or furnish any form that creates the false impression that someone other than the creditor is participating in the collection of a debt ''. 15 U.S.C. Code 1681C-2 " Block of information resulting from identity theft. ( A ). A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( XXXX business ) days after the date of receipt by such agency. ( XXXX ) A copy of an identity theft report ''. Please remove immediately.

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 2023-01-12
Company: Experian Information Solutions 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 interested in disputing all incorrect information on my credit report with experian to update all invalid information in my 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 explanation
Consumer complaint received 2022-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/22 I called Capital One and complained that I did not receive a new card when my old card expired on XX/XX/22. The representative cancelled the old card and issued a new replacement card with a new number. She did not tell me the reason I was not sent a new card on my old account was because Capital One raised the interest rate from XXXX to XXXX. When I noticed the unauthorized increase in the interest rate I called Capital One and complained about the unauthorized increase in my interest rate. I told the representative to close my quicksilver account and return my interest rate to 19.99 %. She placed me on hold to speak to a supervisor, but the supervisor never answered the call. I want my Capital One Quick Silver account closed and the interest rated returned to my old rate of 19.99 %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
I NEED THESE ACCOUNTS AND THESE INQUIRIES DELETED SINCE YOU HAVE TO SEE THAT THEY HAVE INCORRECT INFORMATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The persoanl information is incorrect, The personal data reporting is inaccurate. 

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 2023-04-06
Company: Experian Information Solutions Inc.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 non-monetary relief
Consumer complaint received 2019-04-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a loyal Citicard hold since XX/XX/XXXX. I've always paid my bill on time and kept low balances on my card. XXXX has never had a problem with me. On Friday XX/XX/XXXXI called and added an authorized user on my account. The rep even thanked me for being a good card holder. Well this weekend I went to use my card and found out my account was closed. I was later told ( this morning ) it was because I added to many authorized users. I honestly did not know I had a limit or I would have never added anyone else to me account. I have a vacation to XXXX XXXX next weekend for my birthday and the card they closed is my vacation card. The hotel is reserved with that card. I have to produce the card in order to check in. Also I'm on the process of purchasing a house. With the closure of the account my credit score will drop tremendously and it will negatively effect my utilization. I need my account reopened, this close will effect my life in so many ways.

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 2023-01-05
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
1.I have never had an account with this company COMMONWEALTH FINANCE , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMMONWEALTH FINANCE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, o
r any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: JPMORGAN CHASE & CO.
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:
Under the Federal CARES Act, the law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureaus. According to law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief.

JPMC allowed my account an " accommodation '' by waiving late fees and accrued interest on my account for the months my account was reported XXXX and XXXX days late. 

on XX/XX/23, I disputed the negative reporting information by JPMC citing the Federal CARES Act. 

JPMC did not update my information per the law I cited that I obtained from the XXXX website detailing the Federal CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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. 
These Accounts below are reporting late payments and that is inaccurate and that also is a violation. Late payments are illegal 15 USC 1666B States Timing of payments. 
1.CXXXX XXXX Opened : XX/XX/XXXX Account # XXXX {$420.00} 2 Late Payments inaccurate please remove. illigel report. 
Violation 2. XXXX XXXX Opened : XX/XX/XXXX Account # XXXX {$8000.00} Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation 3.XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Account XXXX XXXX Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation 15 U.S. Code 1605 - Determination of Charge 4. XXXX Opened XX/XX/XXXX Account # XXXX Unauthorized account/ I have no knowledge of this account. Please remove it from the credit report. 
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. 
Violation 5. XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX Please remove this immediately USC 1666B States Timing of payments. 
15 U.S. Code 1605 - Determination of Charge Violation 6.XXXX XXXX opened XX/XX/XXXX {$3800.00} Opened XX/XX/XXXX {$2000.00} Account # XXXX 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. 
USC 1666B States Timing of payments. 
15 U.S. Code 1605 - Determination of Charge Violation 7XXXX XXXX XXXXXXXX XXXX Duplicate account ( Double jeopardy ) Account # XXXX Opened XX/XX/XXXX {$1700.00} 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. 
USC 1666B States Timing of payments. 
15 U.S. Code 1605 - Determination of Charge Violation

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 2022-09-13
Company: Aargon Agency, Inc.
State: MO
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-09-19
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX is reporting that on XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: IL
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 have asked the credit bureaus several times to review and verify the late payments on both accounts of Dept of ED / XXXX account number XXXX. They have came back as verified and accurate. I have researched and found that the late payments are not accurate and need to be deleted. In accordance with Fair Credit Reporting Act Dept of Ed / XXXX account number XXXX has violated my rights. 15 USC 1681 Section 602 A states that I have the right to privacy. 15 USC 1681 Section 604 A states that a consumer reporting agency can not furnish account information without my written instruction. And all information should be reported accurately.

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 2022-10-17
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2022 I contacted Equifax by phone after obtaining a copy of a consumer report they furnished without my written consent containing confidential information that they have shared with other persons. Pursuant to FCRA 15 USC 1681 ( b ) ( a ) ( 2 ) it is a federal violation for a consumer reporting agency to furnish a consumer report without written instructions of the consumer to whom it relates. I never gave Equifax any written instructions to furnish a consumer report listing my confidential information. My rights have been infringed upon with unfair treatment as in accordance with 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ) these reportings impair my confidence as a consumer as banking systems are relying on fair and accurate credit reportings. I have not been able to obtain various forms of credit as a result of the lack and inaccurate reportings of my reputation, character, credit standing, credit capacity, and credit worthiness on behalf of Equifax. Equifax took no effort to remove all fraudulent information. The improper use of my credit and confidential information is still evident through the consumer report they have with my information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
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:
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 a account without my written instructions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX LOANS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I, XXXX XXXX, authorize EQUIFAX, INC to move forward with this complaint. To my understanding of the law EQUIFAX, INC is violating my consumer rights. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), transactions or experiences between myself, the consumer, and the person making the report are supposed to be excluded from my consumer report. Payment history is a list of TRANSACTIONS. The amount of credit extended and/or amount of credit being used are EXPERIENCES. This would mean it is illegal to be reporting payment history and the amount of credit extended and/or being used because it should be EXCLUDED from a consumer report. I can hold you civilly liable for {$1000.00} for each violation for willfully violating me pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ). In addition, 15 USC 1666b ( a ) states that a creditor can not treat a payment as late for any purpose. So now the question is outside of transaction history being reported illegally, how can it be reported that I was late on this account if the law states that I can not be late for any purpose. The account shows paid and closed so when was I allegedly late? The unlawful activity that you are participating in has caused me to be fearful of applying for lines of credit because I felt that I ran the risk of being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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