BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
Please note that I am the author of this complaint and all attachments.

The credit bureau has violated 15 USC 1681i and 15 USC 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. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
As of XX/XX/XXXX, 2022XXXX XXXX2022 my bank account balance was {$62000.00}. Due to an illegal transaction through online purchases about {$60000.00} withdrawals was made with out my authorization. Chase Bank failed to stop all the huge online transactions. When I found out that a lot of money was withdrawn from my account I was shocked and discussed with bank tellers and managers at two different branches and no one was willing to find out and refund my money. I deposited my money at the bank to protect my myself and my family, not to defrauded or scammed by any illegal transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). The following is a list of the negative items : The inquiry by XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX was not authorized by me. According to the FCRA, credit inquiries must be authorized by the consumer in writing, and I have no record of providing such authorization. Therefore, I request that this inquiry be removed from my credit report. 

The inquiry made by XXXX - XXXXXXXX XXXX on XX/XX/XXXX has reached the statute of limitations. According to the FCRA, credit inquiries that are more than two years old should not be reported on the credit report. Therefore, I request that this inquiry be removed from my credit report.

Similar to item 1, the inquiry by XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

The personal information on my account number, which belongs to XXXX XXXX XXXX in XXXX, CA XXXX, is incorrect. The FCRA requires that all personal information reported in the credit report must be accurate. As this address belongs to someone else, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX XXXX XXXX XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The inquiry made by XXXX XXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

In accordance with the FCRA, I request that you investigate and remove the aforementioned negative items from my credit report. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: MOHELA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am in the PSLF program with XXXX eligible payments and XXXX qualify. Most of my payments are associated with my time working at XXXX XXXX XXXX XXXX in XXXX XXXX, Arkansas ( XXXX payments ). I no longer work there and they are not easy to deal with as far as getting my employment certification signed by them. So its unsigned all this time. 

When I initially got into the PSLF program in XXXX 2022 I consolidated and was set up with XXXX. They told me tax transcripts I submitted for my time with XXXX XXXX XXXX would be proof of employment. When my loans were transferred to Mohela in XX/XX/2022, I spoke with service reps by phone and email messages more than once in XXXX and XXXX and they never said my tax transcripts wouldn't be usable. In XXXX, through chat, when I contacted they did not say so then either. In XXXX, by phone, they told me I needed w2 's AND check stubs for all the years I worked at XXXX. They said since the IRS masks the full tax ID and XXXX XXXX XXXX XXXX on the transcripts they couldn't trust that. I don't have the pay stubs or access to that many. I requested W2 'S from SSA in XXXX and told Mohela this. By this time my 90 business day processing was winding down. In XXXX they told me Department of Education was verifying my employment with XXXX and that wouldn't take long. In XXXX, they say through an email I initiated that they don't know what I'm talking about and can't tell me anything. They said I need W2 's OR pay stubs I need real answers because it seems like my PSLF is being held up and I'm getting the runaround. I am still waiting on w2 's from SSA. If my request sent from them doesn't produce all the W2 'S and I can't find anyone reasonable enough to sign a employment certification form at XXXX, I won't get my loans forgiven. I have all the tax transcripts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: Bread Financial Holdings, 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 XXXX, Account # XXXX XXXX XXXX XXXX offered by Comenity Capital Bank ), has violated my rights. 

15 USC 1681 Section 602 - states I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 2023-03-20
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have contacted them repeatedly trying to get a copy of my wet signature on a document saying that I signed up for these accounts!! Theyre about seven accounts and I dont owe any of them!! I have sent a cease-and-desist letter by certified mail because they repeatedly called me and told me they were going to take me to jail or that Im a piece of XXXX because I dont pay my bills!! Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/2023 I made a purchase from XXXX believing they were XXXX. The website popped up via a XXXX search and the company was posing as XXXX XXXX who has been in business for quite some time. After my money was sent, I attempted to contact the seller with the name and address of the FFL that I wanted my firearm sent to and immediately my emails began to bounce. This happened on XX/XX/2023. This is when I realized something was wrong. I continued to try to contact the seller and even emailed the address on the zelle account where the money was sent, but to no avail. I contacted my bank that same day, XX/XX/2023 to let them know that this company was fraudulent. I searched online and found that it was two separate websites and found multiple reviews were other folks had also had money stolen from them. My bank, XXXX, stated that I had to wait for the transaction to process before they did something about it and that I shouldn't have made the purchase to begin with. I called again on XX/XX/2023 when the money did process and filed a claim with Zelle 's fraud department. This weekend, XX/XX/2023 I received a letter from XXXX stating that because I made the transaction that I would not be getting my money back. 

I have reported this fake gun company to the Federal Trade Commission as well as the Georgia State Commissioner and the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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:
These company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusionsexcept as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the above LATE PAYMENTS from my consumer report, the agency is in violation of 15USC 1681 Failure to respond satisfactorily with deletion of above referenced account, and send out a free copy of my credit report after changes have been made, will result in legal action being taken against your company. For which I will also be seeking {$1000.00} per violation for : 1 ) Defamation of character ( per se ) 2 ) Negligent Enablement of Identity Fraud 3 ) Fair Debt Collections Practices Act 15 USC 1692g violations 4 ) Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-03-20
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I found out my account was being closed by US BANK XXXX XXXX is the XXXX XXXX XXXX, XXXX, CA XXXX on XX/XX/XXXX. My remaining balance was {$3600.00} and the specific branch decided to withdrawal my money and hold it at that branch location. so my account was close at XXXX $ but the brand has my XXXX $ they never seem to have a manager in there substitute manager is name XXXX and she is not helping me at all and talking to me like i'm a criminal. I had personally drop off the documents the bank was asking which is anything related to my deposits made. 2 Money order with the receipts stub and my payroll with the tear part along with a invoice on XX/XX/XXXX XXXX they never call me to fill me in on anything i always have to call them. 
but they told me the documents are not good enough. I mean what else did they want i gave them receipts. but yeah that is my situation. Please help i have XXXX  XXXX XXXX and need my money to take care of my health and US bank is not trying to help at ALL. i feel like i'm being racially profile. my name is XXXX XXXX XXXX XXXX XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX ca XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This company has never sent me a bill of verification of debt. I have disputed on my credit report but the bureau has not properly investigated. I have not taken a loan by phone out nor do I believe to owe this debt. I have also filed this with the federal trade commission.

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 2023-03-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate and should be removed. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies ( CRAs ) maintain accurate and complete information in their credit reports. I believe that the following items on my credit report are inaccurate and in violation of the FCRA : XXXX XXXX bankruptcy discharged, Case Number : XXXX - The court has stated in writing and via recorded phone call attached to this dispute that they have no records of this account in their database nor do they disclose such information or provide them to credit reporting agencies such as XXXX, Equifax, and XXXX. Due to the fact the court has failed to provide proof that this account belongs to me and that they do not disclose such information to credit agencies, I demand this account be removed in accordance with the FCRA. 
XXXX. Unauthorized Inquiries - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - I have no recollection of authorizing these credit pulls and demand that they be removed from my credit report in accordance with the FCRA. 

XXXX. More Unauthorized Inquiries- XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I have no recollection of authorizing these credit pulls and demand that they be removed from my credit report in accordance with the FCRA. 

XXXX. Inaccurate Account Information - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is no record in my possession that these accounts belong to me. Therefore, I demand that this inaccurate information be removed from my credit report in accordance with the FCRA.

I request that you promptly investigate these items and make the necessary corrections to my credit report in accordance with the FCRA. Additionally, I request that you provide me with written confirmation of the actions taken to rectify these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Barclays XXXX XXXX XXXX Elite Mastercard closed my account stating that I was 90 days past due. The charge that was past due was an annual fee. Prior to this charge the card had a XXXX balance for over 3 years. I had no idea this card had a balance due because I never received any statements by email or mail. The email address used for paperless billing was not mine. The only notice I received by mail was the notice stating that I was 90 days late and my card was closed. I had no knowledge of anything on this card. Fast forward a year later, Im in the process to purchase a house. When my credit report was ran, it showed I had a derogatory mark on my credit report for an account I had no knowledge about, but the account has a XXXX balance. I called Barclays to speak with someone regarding my situation, they told me to file a dispute with XXXX, XXXX and XXXX Credit Bureaus and then with those findings Barclays will change my account to reflect their findings. All disputes came back accurate and verified and they removed everything from my credit report. Barclays on the other hand, is making me jump through hoops even though it has been verified with all the credit bureaus. Barclays told me that they put my account to zero balance out of courtesy to me, again without my knowledge. Yes they took away my balance and made it XXXX, but they also put my credit reports in a negative mark. It was showing that I was 30, 60 and 90 days late. Which is a big red flag for any lender. Trying to call Barclays is horrible, customer service for this company is horrible. Requesting information from Barclays to send a letter is done by mail only. They do not expedite mailings, even when I requested to pay for it. I feel like calling them is like calling another country and they are located in XXXX, Delaware, in the United States. I will never recommend anyone to do business with Barclays. They will actually be the one credit card company I tell people to avoid!

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