BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This will be my 5th time addressing the same issue with a reinvestigation of inaccurate fraudulent items on my credit report. I have submitted several documents showing the fraudulent items removed from TransUnion as of XX/XX/XXXX. However XXXX and XXXX claim to have verified as accurate the very same information TransUnion could not verify and has since removed from my credit report. Please explain how this possible if the reinvestigation is for the same information furnishers. Im attaching a copy of my police identity theft report from XX/XX/XXXX showing the inaccurate fraudulent information and copy of my XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX credit report still showing inaccurate information after reinvestigation. According to 15 USC 1692 611 ( 5 ) a After any reinvestigation If the consumer finds any item to be inaccurate it must be removed immediately. How long does a investigation and reinvestigation take? According to the law 45 days in total. I have been in a continuous loop for the pass 3 years. With these none compliance credit agencies. In the FCRA Congress said since credit agencies choose to hold the records and reports on the consumer they have a duty to make sure that the information is accurate. And if information is not accurate they must remedy the situation. However it seems this only applies in some cases and not mines. They only other thing I can assume is discrimination against me for exercising in good faith any right, afforded to me under the Consumer Protection law. What other conclusions could I draw when I am doing everything according to the law on my side and the credit reporting agencies using my personal private information for financial gain get to ignore the law and do as they please. I submitted this initial complaint on XX/XX/XXXX and on XX/XX/XXXX TransUnion reply that they believed that a third party sent the complaint on my behalf. I called on XX/XX/XXXX TransUnion and informed them that no one expected for myself is authorized to make any changes on my credit file or to have access to my credit file without my direct prior authorization is forbidden. They consented add the notes to my file. Also I was informed TransUnion to proceed with the reinvestigation. They and asked me to submit my ID along with the other information. So this what Im attempting to accomplish today.

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 2023-03-31
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023 I was sent an alert for a hard inquiry made in my name to JPMCB ( Chase ). I never even filled out an application to apply for anything on that date or anywhere near that date. I called Chase right away and they stated that an application was sent to them and was Denied. I asked if I could receive a copy of that application but I was informed that they cant do that due to it not being approved. They informed me to call XXXX and I did that right away and they put a fraud alert note on all my credit companies accounts for a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed a XXXX XXXX bankruptcy in XX/XX/2022. This account with XXXX XXXX is included in that bankruptcy. They took it off at that time. Then added it back months later and is now reporting that Im late every month instead of stating its included in bankruptcy like other companies did. I have told them. I have disputed multiple times with the credit u ions and the company tells them the info is accurate. Im not sure what else to do to have them stop reporting. They tried to repossess my car after telling them I was filing bankruptcy.

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 2023-12-21
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
XXXX Bank has opened an account with my name three times in the past year never once doing any kind of background check or credit checks I now have to pay for service that alerted me an account was opened, and this time I was able to stop the account from continuing. 
My complaint is that this M & T bank has lack of security, and has hackers opening accounts Without any repercussions

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 2023-12-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I sent money from my account to a contractor using XXXX. The phone number was wrong ( XXXX ) and so it was sent to the wrong person. That individual will not pick up their phone when called. I disputed the charge with US Bank, but they claim that the receiving bank refuses to return the money ( {$2000.00} ) so there is nothing they can do. I tried to dispute it as soon as the charge was made, and the money was unclaimed, but they refused to return the money to me and instead held a larger charge that I did not and was not disputing and sent the {$2000.00} to the wrong person after three days. This was three weeks ago and they have now stopped responding to me when I try to contact them.

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 2023-12-19
Company: Velocity Portfolio Group
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a civil summons that I was being sued by cks prime investments llc c/o XXXX XXXX XXXX. I have NEVER received a letter or voice message from either regarding this debt to settle. Among research, cks prime investments is notorious for this. They have also broken the FDCPA by never contacting me and notifying me of legal action until the summons was served. I have only been in contact with the original debtor XXXX XXXX XXXX regarding this debt.

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 2023-12-18
Company: Paramount GR Holdings, LLC
State: CT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
My lender ( Goodleap ) was making advanced payments to my contractor ( XXXX XXXX ) prior to work being completed, permits taken, inspections passing and XXXX issued. My lender also did not do their due diligence PRIOR to paying contractor. When I received the news that XXXX XXXX went out of business without finishing the whole project I asked Goodleap to cancel my contract as it was just starting and the project was not finished. They refused and told me I would have to find another solar company for maintenance of my panels. Goodleap is threatening to put a lien on my house if I dont make our monthly payments. There were many violations that XXXX XXXX violated and was obvious to Goodleap. I emailed Goodleap informing them that the panels were not producing and that XXXX XXXX still had to take down an XXXX tree that the canopy covers our whole roof ( without the tree coming down the panels are useless ) and they ignored me. I also have requested the following documents to be sent to me A copy of the complete file -The agreement between Goodleap and XXXX XXXX -Documents from Goodleap confirming each milestone installation ( s ) were met with XXXX XXXX ( photos, receipts, permits, inspections etc ) prior to releasing payment. 
-Documents authorizing Goodleap to release payments, on consumer 's behalf, to XXXX XXXX XXXX 
-Documents authorizing Goodleap to accept payments, on consumer 's behalf to and from XXXX XXXX XXXX 
-Documents from either the State or Federal Government crediting Goodleap for any solar incentives. 
and any documentation giving Goodleap permission to pay XXXX XXXX in advance without my consent. 
Ive been calling and emailing them but they are not trying to help in any way. They payed XXXX XXXX right at the beginning without even asking if everything was done. This is a scam and they know it. Goodleap has done this same scam with other solar companies that went out of business too. 
I originally asked Goodleap for the {$5000.00} XXXX XXXX had added to the loan for the tree cutting ( that they didnt specified in the contract because XXXX XXXX said that they had a contract with a tree company so they would take care of that, but they didn't ) and they refused. Now I dont want anything to do with Goodleap . They are a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: CarMax, Inc.
State: IL
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:
This company is reporting my payments as late which is incorrect as I have never been late on payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am writing to express my ongoing concern and to seek resolution regarding the mobile deposit issue that I previously reported. Despite the closure of the case on your end, the issue remains unresolved from my perspective. 

In an earlier complaint, I was advised to present the physical checks or contact the check maker to file a claim with their bank. However, I must reiterate that the physical checks are no longer in my possession, and the check maker was unable to file a claim with their bank for the funds. This puts me in a challenging position, as I am unable to follow the suggested steps. 

Given this predicament, I am seeking your assistance in understanding how I can recuperate the money that was deposited into my account ending in XXXX. This amount represents a significant sum, and its absence has caused considerable financial distress. 

I respect the bank 's policies and the necessity of security measures. However, I believe my situation warrants special consideration due to the unique circumstances. 

I kindly request a re-evaluation of my case and a clear pathway to resolve this issue. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your understanding and assistance. I am looking forward to your response and a favorable resolution. 

Sincerely,

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 2023-03-31
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized hard inquiries on consumer 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 2023-12-06
Company: EQUIFAX, INC.
State: WA
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-12-18
Company: GOLDMAN SACHS BANK USA
State: CA
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:
XX/XX/2023 I purchased copper water bottles from a company called XXXX. The bottles were expensive for their size but with them being copper I expected that. My bottle doesnt show up for months and when it does it is a stainless steel XXXX XXXX XXXX water bottle not the copper one I had purchased. On or around the same time on social media XXXX became well known as the scam water bottle company that everyone who purchased got the stainless steel cheap version. I did a lot of research found that XXXX changed their domain name often it was XXXX XXXX XXXX XXXX. I knew that it was a sham. I disputed the charge on my Apple Card and sent to them through their chat all the photos and documents to show what I bought what I paid for and what was sent. A no brainer except Goldman Sachs ruled on XXXX side. I have now reopened this dispute for the third time and the biggest problem is Goldman Sachs sends an email asking for me to attach my documents I have done this now three times, I have sent them in chat three times with the guarantee the right department will get my dispute. The email bounced back which makes this process a nightmare. How do you dispute something when the email you are asking for attachments to be sent bounces back?. We are now 6 months in and I want this to be settled. I believe doing it here will allow you to see everything I have sent to rule in my favor! Of course XXXX is long since gone off the net for a while they replaced the water bottles with gold watches until people found out that this person/persons was stealing from hundreds of thousands of people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-12-18
Company: Affirm Holdings, Inc
State: TX
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:
AFFIRM INC Account # : XXXX is reporting transaction history since the opening of this account and should not be. The Law says it is illegal to report transaction history. As a consumer, I have a Federally protected right to privacy pursuant to : Privacy Act of 1974 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent to the sharing of my nonpublic personal information for these accounts.

15 U.S. Code 1681a - Definitions ; rules of construction.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All 3 credit reporting agencies are DISREGARING ALL THE PAPERWORK I HAVE SUBMITED ONLINE AND VIA US MAIL. THE RESPONSE IS WE HAVE RECIVED YOUR PAPAERWORK, BUT HAVE NOT UPDATED ANY RECORDS OR INFORMATION I HAVE ALLOWED THE 30 DAYS EVEN UP TO 45 DAYS TO INVESTIGATE AND PROCESS INFOMATION PER FAIR CREDIT ACT REGULATIONS PLESE HELP ON THIS MATTER, I AM A SINGLE MOTHER OF XXXX AND LOOKING TO PROVIDE AN ADDITIONAL INCOME FOR MYSELF AND XXXX CHILDREN. THANK YOU IN ADVANCE BEST, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I filed XXXX claims for being scammed for a total of {$1000.00} on XX/XX/XXXX. I never heard anything back from Zelle and when I called they said that they couldn't provide any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In the beginning of XXXX, my account was closed for no reason other than to be investigated. There were no findings I was told on call XXXX but yet XXXX calls in, I was told the last 5 times to expect payment in certified mail. I have received nothing. it is over XXXX. I am waiting on. I would like an immediate answer and my money to be sent ASAP.

Company response to consumer: Closed with explanation