BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX XXXX {$1400.00} CLOSED ON XXXX, Account name : XXXX XXXX XXXXXXXX XXXX {$1600.00} CLOSED ON XXXX Account name : XXXX XXXXXXXX XXXX {$4900.00} CLOSED ON 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 2019-11-30
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I paid {$160.00} to an email address XXXX on XX/XX/XXXX via Zelle to another XXXX XXXX account. I called XXXX XXXX. I was promised a transfer of two tickets on XX/XX/XXXX. I never received them. XXXX XXXX said they wouldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: CT
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 have notified BOTH XXXX  AND Experian multiple times stating that this is NOT MY ACCOUNT and it still remains on my credit report. Both XXXX and Experian are in VIOLATION of 15 U.S. Code S 1681c-2. " 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 identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items 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 non-monetary relief
Consumer complaint received 2023-05-12
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Filed a dispute for XXXX and XXXX. The company Goldman Sachs can not respond with consistent information I get no or different information each contact Representatives only know how to file a dispute whether I approve or not. I have written a letter had to call for them to tell me they responded. Never got a response before calling. One part the XXXX. XXXX was approved but not the XXXX. Nobody knows what is going on. Also Sent payment told by two reps it would be applied to balance only this didnt happen called no explanation other than Im sorry. This is sad. I have never ever endured this with a credit card company. Their customer service is horrible and inconsistent please get my XXXX refund which they have out on a new payment plan The purchase was made in XXXX of XXXX. I have already paid this. How can one start a payment plan in XXXX for a XXXX purchase. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: John C. Heath, Attorney at Law, PLLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I signed up with Lexington Law Firm hoping they would help me to repair my credit by disputing and clearing up items on my credit. I contacted them after the first month telling them that credit people were now threatening to come after me and they said thats typical. After the third month I asked to cancel my subscription which they tried to get me to keep paying them and just be patient. There was NO help to my credit score, if anything it dropped. I paid them {$130.00} in XX/XX/2022 and XX/XX/2022 as well as {$130.00} in XX/XX/2022. I want my money back from all services not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: SUNTRUST BANKS, INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had used SunTrust for years, but when I moved to a new apartment they were unwilling to process the fund transfers needed to pay my rent. So I called in during XXXX and when I realized they wouldnt do it, I decided to switch the bulk of my banking to XXXX, who would. When I called in to cancel my other accounts ( credit card ), I asked the agent what was necessary to keep my checking account open without fees ( in case I needed to cash a check or deposit cash in person ). She told me I just needed to have {$100.00} deposited each month via direct deposit XXXX bucks ( {$50.00} keeps getting autocorrected ) biweekly into the account. Each month this would put {$50.00} into the account, and for two months each year it would be {$150.00}, thus meeting their requirements. Since then I have gotten two {$10.00} maintenance fees. During XXXX, everything played out as planned, but one XX/XX/XXXX I received a maintenance charge of {$10.00}. I called and had it reversed, assuming it was a mistake. My balance was actually higher in XXXX due to the {$50.00} deposits and other deposits from my HSA. The reversal was credited on the XXXX. I noticed that I received another XXXXdollar charge on XXXX XXXX ( sorry, {$10.00} keeps autocorrecting and deleting this ). Ive called and nobody at SunTrust can explain it or provide an answer on what would prevent this charge.

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 2022-12-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. Please fix the account : 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 2022-11-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 2021-11-07
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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes ( XX/XX/2018 ), Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.

ACCOUNTS XXXX XXXX XXXX XXXX paid in full XXXX XXXX XXXX XXXX paid in full XXXX XXXX never late XXXX XXXX paid in full XXXX XXXX XXXX paid in full XXXX XXXX XXXX XXXX XXXX XX/XX/2013 {$340.00} not mine XXXX XXXX XX/XX/2014 {$830.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
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 have been a victim of identity theft. Therefore, I submitted an FTC report to have all accounts deleted, but they failed to do so. I also, NEVER gave them permissible purpose to furnish any of the information included on the FTC report neither. Therefore, this false information should be deleted since they are violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge 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 placed an order on XXXX on XX/XX/2023, and was charged {$610.00}. XXXX only sent a part of my order ( two items missing ) but charged the full amount. I contacted XXXX regarding the incompleteness of my order. XXXX did not acknowledge this incompleteness and provided shipping information saying they sent them same time but in two packages. We only got one ( proved by our doorbell video ). I proposed to provide that video but XXXX refused and closed my complaint. Thus, I contacted Chase to dispute the charge within the 60-day period. Chase later responded with a letter saying there was no error in the transaction because XXXX provided them with an order invoice. That order invoice is apparently insufficient to prove XXXX delivered all items to me. Then I filed a claim on XXXX  against XXXX and exchanged the evidence we had with XXXX  and XXXX. XXXX did their investigation and confirmed the two missing items were never sent to us ( which can be proved by my XXXX communication record ) and agreed to refund us the value of the items {$250.00}. I waited a couple of weeks and did not see the credit in my Chase account. Then I contacted XXXX again and XXXX replied saying they failed to issue the refund because of a chargeback and asked me to contact Chase. It took a long time to go through all these communications and the last time I heard back from XXXX was in XXXX already. Finally, I contacted Chase on XX/XX/XXXX, and XXXX took my phone call only saying there was nothing they could do because that happened too long ago. I told her Chase used the wrong information to make the decision and XXXX has acknowledged their mistake and is willing to refund but they need Chase to be involved for the refund. XXXX decided to do nothing further and told me her decision was final and I have no way to file a complaint on this decision. Luckily, I know my rights as a consumer. Thus, I am filing this complaint here to request Chase to process the refund of {$250.00} as XXXX agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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 other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXXXXXX XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$780.00} ; XXXX XXXX XXXXXXXX Balance {$3000.00} ; XXXX XXXX XXXX Balance - ; XXXX XXXX XXXXXXXX Balance {$4400.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$4200.00}.

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 non-monetary relief
Consumer complaint received 2023-06-20
Company: DISCOVER BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I provided a check to a general contractor made out directly to a subcontractor for services totaling {$10000.00}. The general contractor mailed this check to the subcontractor however it was not received. On XX/XX/23, before issuing a new check, I called the bank to have a stop put on the check. I was traveling and unsure of the exact check number but provided who the check was made out to, the amount, and the likely numbers that the check could have been. However, I requested that all checks in the amount of {$10000.00} be stopped. A few days later I checked my account and noticed that a check was withdrawn for {$10000.00} to a payee that I did not recognize on XX/XX/23 - after my stop order had been received. Examining the check image available through the website, I realized that the check had been washed or recreated with a new payee. The rest of the information was re-written as I had originally provided, but in someone else 's handwriting. Additionally, my signature had been forged. I immediately brought this to the attention of my bank. After several calls with their fraud team I was told on XX/XX/23 that the stop payment had been input incorrectly - only checks above a certain number were stopped despite my explicit instructions to stop all checks of a given amount. Had the stop order been input correctly by the bank the payment would have been stopped as I requested. The bank is refusing to provide restitution despite acknowledging directly that the error was on their behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX US BKPT CT XXXX Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX NA XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX 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 non-monetary relief
Consumer complaint received 2023-04-08
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account Number # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They're saying that this is my debt that I owe them I didn't have a capital one card at that time I had just gotten a capital one credit card and intend to use it it's in the right name and address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports  : XXXX XXXX : {$4100.00} XXXX  XXXX : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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:
I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX : {$760.00} DXXXX XXXX Balance : {$1500.00}

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 non-monetary relief