BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of XXXX Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
US Dept Of EducationXXXX XXXX Account # XXXX, has violated the law and my rights under the following, 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated.

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 which was violated.

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.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( III ). The law clearly states that if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2016-05-13
Company: Ocwen Financial Corporation
State: NM
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This property is in some stage of foreclosure, but public records shows still in the owner 's name, not a Bank. They have discontinued paying assessments or maintaining the property and now have a large balance.

Company response to consumer: Closed
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you in good health. I am writing to express my deep concern regarding the persistent existence of fraudulent accounts on my credit report despite my repeated attempts to address this matter through your dispute resolution process. 
Account Information : XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!!! 
I have previously reported the presence of these fraudulent accounts and have escalated the matter several times since then. However, to my dismay, these accounts continue to appear on my credit report, negatively impacting my credit score and financial well-being. 
Despite providing clear and compelling evidence of the fraudulent activity, the persistent inclusion of these accounts on my credit report calls into question the effectiveness of the bureau 's dispute resolution process. 
I understand the importance of maintaining accurate and reliable credit reports and trust that you share my commitment to rectifying this matter urgently. I kindly request that you conduct a thorough investigation into these fraudulent accounts and take immediate action to remove them 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 2022-11-05
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I have been notified by my sister XXXX XXXX that she transferred XXXX XXXX USD to my account at Goldman Sachs Bank USA. The funds had not arrived in due time ( 1-3 business days ), so I started to contact Goldman Sachs to check the status of the transfer. 

On XX/XX/2022, I have received an email from Goldman Sachs employee XXXX XXXX saying that she is " working with internal teams to have the funds kicked back to me ''. Email attached. 

Today is XX/XX/2022, and I still don't see the funds on my account, not on my sister 's account. 

Here is the XXXX tracking code : XXXX : XXXX. 

Please make Goldman Sachs transfer XXXX XXXX USD to my account : XXXX : XXXX XXXX Account number : XXXX Routing : XXXX XXXX  : XXXX or transfer the XXXX XXXX USD back to my sister 's account at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am the primary card holder on a my BJ 's Credit card formerly issued by Comenity bank but now Bread Financial. My spouse is secondary owner and his credit card expired in XXXX. I've been trying to get a new card for him since XXXX with no success. 

Initially my spouse submitted his request on the credit card website to which they said it would take 7-10 days to get to, unacceptable considering the urgency of the situation. 

Then I called the company directly on XX/XX/22 spoke with XXXX who informed that the case is currently being worked on per the website submission. She provided a case id # XXXX and name of case manager XXXX XXXX. 

Meanwhile had received a call that was traced as coming from Bread Financial, no message left. When I returned the call after determining it was Bread Financial I was told there was no record of any calls coming from them. 

On XX/XX/22 called again, this time spoke with XXXX and requested escalation to which I spoke with XXXX in escalations. He informed that we would have a card in XXXX hrs. Never received. I asked him for a confirmation # for call and he said there was none. 

I called again on XX/XX/22 and escalated to XXXX again and he informed he submitted the request and it would be received on Saturday. He assured that the card was sent out on XX/XX/22. 

My mail has already been delivered for today and yet to received the card. Called again today and spoke with XXXX in escalations who informed a new card has been ordered and should be received on Tuesday. He provided a conf # XXXX 

I had no complaints when my card was with Comenity, but this new transition to Bread Financial is horrible. This situation is overly complexing my spouse life as he uses that card quite regularly as a business man.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions 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, 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

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 2019-10-16
Company: Experian Information Solutions 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2022-06-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to Experian on XX/XX/2022 about account XXXX XXXX XXXX XXXX. I asked Experian to validate this account. On XX/XX/2022, Experian updated my consumer report basically removing a late payment from XXXX XXXX XXXX XXXX. I never received any information as to how this account was validated. According to 15 U.S. Code 1692g ( b ) - ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 will be my last Complaint to inform the TransUnion Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Bureaus are required to remove any ITEMS which were opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the TransUnion Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXXClaim reversal : XXXX XXXX XXXX  XXXX XXXX XXXX NY XX/XX/11 ClaimId : XXXX ( ... XXXX ) ATM transaction {$270.00} {$340.00} The following item was disputed because I paid in advanced for that I no longer be getting. I ask for my money and there should not be any reverse of charges of my was disputed justification I will like my money bank now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 has been compromised and now I have accounts reporting on my credit files that doesn't belong to me. Also these accounts are now in ligation Therefore, I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} 3. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX  {$6400.00}

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 2023-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XX/XX/2023, I contacted Capital One about an automated payment that I needed to change dated for that day as there had been fraud on my account. The representative, named XXXX, stated that she couldnt make any changes to the payment as it was the date of the payment. I was told to make an additional payment from another payment source and told that if I received a return payment or past due fee on my next monthly statement to call in and it would be credited. 

Today after XXXX representatives I was told by supervisor XXXX XXXX employee number XXXX that they would not be able to do this as another capital one account had already used my XXXX time courtesy waiver. She refused to refund the fee. She refused to transfer me to anyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-04
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: Information belongs to someone else

Complaint:
XXXX XXXX has used my personal information back XXXX and XXXX XXXX XXXX to open fraudulent accounts in my name i have filed a police report, a banker name XXXX had open several checking and savings accounts and a XXXX XXXX insurance services account and a credit card thats now on my Equifax credit report, XXXX XXXX open up checking savings accounts in XXXX aftet i came back ftom service and XXXX, i dealt with a claims rep name XXXX XXXX, he falsified information pertaining to accounts which was not settled by XXXX XXXX, these issues are coming from reps that have abused and try to intimidate over the phone, i have been going through mediation for over 5 years, and still mote accounts are out there, XXXX XXXX is trying to point thr finger back at me knowing they committed fraud and identity fraud, my information now is on the dark web because of XXXX XXXX, my credit is damaged my name is damaged, they need ro be investigated and i want them to settle, XXXX XXXX falsified information stating he settled accounts. Checking and savings that was open in XXXX and XXXX I was in the military, these accounts were never resolved and I did not sign any documentation stating I took settlement for any of those accounts. Now theres a fraudulent account on my Equifax credit file from account that was open in XXXX, credit card with a balance of XXXX dollars, this account is fraud, now XXXX XXXX needs to settle and resolve this before I file this law suite against XXXX XXXX. This information plus witnesses I have, plus XXXX and his manager have been recorded using abusive tactics, and intimidation, I will run a story on XXXX XXXX and this story and my evidence will be turn over to an investigative reporter, im Tire of the threats and these tactics, I want this resolve or I will see this in court I got enough to get for actual damages, I have documents showing accounts attempt to open other credit cards and now this credit card on my credit report and an insurance account open fraudulently by XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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 : Acct # XXXX, has violated my rights. 

XXXX XXXXXXXX : Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX : Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX : Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, 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:
This is my seccond 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested on numerous occasions to see a detailed, itemized bill for why I owe this debt, but the company has not provided this information. They also have sent me several low settlement offers but when I call, they tell me the settlement has expired and I have to pay the full amount. They refuse to allow a settlement despite what they send me in the mail, nor will they provide details on what this debt is for. Not only do I want an itemized bill, I also want proof that the itemized bill is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: W&A Intermediate Co., LLC
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received this report in my credit bit XXXX dont know about it, my they used my information with other person or other person stolen my information put false information, so this report dont belong me.

Company response to consumer: Closed with explanation