BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-12
Company: EQUIFAX, INC.
State: SC
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 have been disputing an unconfirmed, unverified and dismissed bankruptcy with the Credit bureaus ( Equifax, XXXX, XXXX ) since XX/XX/2018. On XX/XX/2018 I froze my XXXX XXXX yet the bureaus say they verified through XXXX XXXX and NC court systems. This is not true I have called and wrote correspondence to the NC Bankruptcy courts and they have notified me ( SEE ATTACHED LETTER FROM NC BANKRUPTCY COURT ) they do not report to anyone regarding bankruptcies nor do they verify. I sent the exact letter the NC bank systems sent me stating they do not verify and asked to the bureaus to delete immediately. Equifax has deleted this bankruptcy off twice but added it back on with days of deletion and did not notify within 5days as they are supposed to by law under the FCRA, this itself is another violation within itself. Any assistance in this matter would be greatly appreciated. This unconfirmed, unverified and dismissed bankruptcy has stopped me from obtaining credit and buy the house my family deserves, I am a two time XXXX XXXX veteran that have sacrificed my life and family to serve my country and I find it is disturbing my quality of life is tremendously affected by others in control of my credit who will not take the time to actually READ AND VERIFY or delete this from my report instead of a scanner. 

PLEASE SEE ATTACHED ; 1. XXXX FREEZE 2. LETTERS TO XXXX , XXXX , EQUIFAX 3.  RECIEPTS FOR CERTIFIED MAIL PROOF LETTERS WERE SENT 4. LETTER FROM NC BANKRUPTCY COURT STATING THEY DO NOT VERIFY 5. LETTERS FROM ALL 3 BUREAUS STATING IT WAS SUPPOSEDLY CONFIRMED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
i contact XXXX Trans union, XXXX by mail by phone many times all this negatives should not be on my name i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate, i hpe this get remove only XXXX did remove the public record but i still heavy other things its not my trans union did not removed yet, XXXX needs to remove the Public record please im asking CFPB for help again thank 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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to UPDATE these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2019-03-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Case # XXXX & XXXX RE : Claim # XXXX I am filing this complaint on behalf of myself and the three million individuals who were victims of Wells Fargo Unauthorized Accounts Fraud. By this I hope to receive a fair judgment in my favor and to bring back some needed attention to this impertinent issue for the millions of people that suffered silently through those wicked hands in which they invested their trust. Not forgetting the vastly unsuspecting public citizens and nationals, whose docile suffering apparently passes by daily noticed. Noticed by those who are placed in their charge and under whose Institutions and corporations they are made to succumb. 
We all are aware of the fact that Wells Fargo Is found Liable for committing fraud. A class action suit was brought against Wells Fargo Bank and its subsidiaries for committing these unlawful acts. More than three million of its customers were afflicted. A crime, for which, if I was found liable, would have cost me fines and imprisonment by exacting conveniently against me the full weight of the law. 
Because the liable party in my opinion is still at large I would like to ask these questions of the CFPB, in order to begin an investigation. 
1. Who give Wells Fargo a free pass to recreate its image as a trustworthy bank? 
2. Wells Fargo is in haste, spending millions in advertisement dollars to erase from the publics memory her recent untrustworthy pass. Is this ethical despite having not fully compensated all fraud victims adequately? 
3. I further humbly ask the CFPB why Wells Fargo and subsidiaries are not suffering adequately for their crimes. Is it fare for Wells Fargo to go about business as usual without proper accountability? 
4. Should Wells Fargo Bank be allowed to erase from my memory it's much recent notorious pass before first compensating me? 

Because of the above unanswered questions I fear bias and injustice from the settlement administrator and thus called for the CFPB to conduct an inquiry into their conduct of affairs. Wells Fargo institution has proven to be untrustworthy and a grave danger to the public and should never be allowed to function without proper impunity and accountability after what they have shamefully done to customers. I fear a lack of protection for those who are injured and are concerned that the settlement administrator may not be handling victims cases ethically. First of all there is poor administration for lack of correspondence with the injured. That is enough red flag for any suspecting person.

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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Im accordance with the Fair Credit Reporting Act. This of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXX OHIO KY XXXX XXXX Account : XXXX DEPT OF EDUCATION XXXX XXXX # XXXX # XXXX # XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX XXXX # XXXX Account : 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 man 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 2023-08-04
Company: DISCOVER BANK
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
XX/XX/2023 I was charged 4 times in the amount of {$99.00} to XXXX on the same day. I emailed the corporate representative at Discover to resolve this and received no response. 
I would like an explanation of why I was charged 4 times in 1 day for the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: SANTANDER HOLDINGS USA, 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: Account status incorrect

Complaint:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-20
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I made a purchase at XXXX on XX/XX/2020 for {$66.00} under the AmEx offer POID : XXXX, which endorsed a {$30.00} credit to my account with a purchase over {$50.00}. The terms and conditions stipulated the following restrictions : 1 ) voucher purchases ; 2 ) taxes and shipping costs ; 3 ) promotional offers through www.marthastewartwine.com/promos/ and www.marthastewartwine.com/vouchers ; 4 ) Refer A Friend promo codes at Checkout. My subtotal for four sale items during the site-wide Prime Week fall special was {$51.00} prior to shipping costs of {$14.00}. I did not purchase a voucher, nor use a promo or voucher obtained at the restricted sitesone of which is a dead linkand I did not use a referral code. 
Having fulfilled the terms of this offer, I have been dismayed that AmEx has reneged on its obligation to uphold this compact. I have contacted customer service on a half-dozen occasions from XXXX to XXXX by online chat and phone to no avail. Each time I have been offered trite contrition and empty promises of an inquiry with ever enduring procrastination ( " 5 to 10 business days '' ). On XX/XX/XXXX, I was told that this matter would be escalated yet again with a response within " 5 to 10 business days. '' No representative has ever reached out to me. I made a final attempt on XX/XX/XXXX and was informed that the back office has finally closed the case with a determination of a " non-AmEx error. '' The representative offered no further explanation, simply repeating this meaningless phrase, and demonstrated grave ignorance of and apathy toward the case. 
As a matter of professionalism and customer relations, this episode hasneedless to sayeroded the fundamental values I have held paramount in my banking relationship with AmEx. I am most disappointed that you have failed to maintain transparent communication throughout, with only reactivenot proactivemaneuvering at my insistence. This fruitless endeavor has only served to convince me of the duplicitous nature of AmEx 's business model and perpetuates a narrative of impersonal and deceitful behavior that I had not expected from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My identity was stolen. Now I have multiple accounts on my credit report that keep my score down I have reached out multiple times to have the issue resolved and the 3 credit bureaus have a hard time correcting/ fixing this issue. This is unethical as I have filed a police report and followed all protocols to try to resolve the issue. However, the credit bureaus choose not to clear this matter up. 

Listed below are the following accounts : 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 2022-12-24
Company: Experian Information Solutions Inc.
State: OH
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:
Im accordance with the Fair Credit Reporting Act. This of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account : US DEPT OF EDUCATION XXXX XXXX # XXXX # XXXX # XXXX # XXXX Account : XXXX XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX  XXXX  # XXXX Account : 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 man 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 explanation
Consumer complaint received 2022-06-03
Company: Mr. Cooper Group 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 HAVE A LOAN WITH NATIONSTAR/MR COOPER . AND I AM HAPPY THAT THIS BANK GEVE A LOAN. I AM VERY RESPONSIBLE PERSON AND I AM ALWAYS ON TIME WITH MY PAYMENTS. BUT UNFORTUNATELY XXXX  OF XXXX MY ENTIRE FAMILY GOT XXXX. OUR FAMILY SITUATION WAS REALLY BAD, I WAS ACTUALLY XXXX, DOCTORS HAD NO CHOICE BUT XXXX XXXX XXXX XXXX, WHICH BASICALLY I WAS XXXX  WITH THIS SAID I FELL BEHIND ON MY MORTGAGE PAYMENT FOR THE MONTH OF XX/XX/2020. I HAVE TRIED TO HAVE THIS LATE/NEGATIVE REPORTING REVERSED BUT THE BANK IS SAYING THEY CANT DO THAT. I AM SURPRISED AS TO WHY THEY CANT DO ONE TIME CUSTOMER SERVICE SPECIALLY WHEN I AM EXPLAINING TO THEM AS TO WHY THIS HAPPENED. I HAVE HAD THE LOAN FOR ALMOST XXXX YEARS AND NEVER HAD ONE LATE PAYMENT ONLY IN THE MONTH OF XXXX OF XXXX  HOW COULD I HAVE MADE A PAYMENT WHEN BASICALLY ON A XXXX XXXX WHICH LUCKLY WAS OVER TURED AND I HAVE RECOVERED EVER SINCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX, a supplemental consumer credit agency, for violating the Fair Credit Reporting Act ( FCRA ) by furnishing information about me to Transunion without my consent. 

On XX/XX/2023, XXXX furnished a consumer report about me to Transunion without my written permission. This is a violation of Section 604 ( a ) ( 3 ) ( A ) of the FCRA, which prohibits consumer reporting agencies from furnishing consumer reports without the consumer 's written permission. 

I have not provided XXXX with my written permission to furnish consumer reports about me to any third parties. I am very concerned about the fact that XXXX has violated my privacy rights by furnishing a consumer report about me without my consent. 

I am requesting that the CFPB investigate this matter and take appropriate action against XXXX. I am also requesting that the CFPB require XXXX to destroy all copies of the consumer report that it furnished to Transunion without my consent. 

Thank you for your time and attention to this matter. 

Law codes violated by XXXX : * Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681-1681x.

* Section 604 ( a ) ( 3 ) ( A ) of the FCRA : 15 U.S.C. 1681b ( a ) ( 3 ) ( A ).

* Section 604 ( f ) of the FCRA : 15 U.S.C. 1681b ( f ). 

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 2019-11-06
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I closed my CD account at Marcus by Goldman Sachs. They issued me a check that never arrived. Tracking number provided was wrong, the USPS says that the mail under that number is made out to a different address. The bank refuses to give me my money back. They say it will take 90 days to reissue a check. I suspect fraud at the bank. I need my money urgently. What do I do? Who will reimburse me for the lost investment opportunity?

Company response to consumer: Closed with explanation