BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this 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 XXXXThis 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 XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: OPTUM BANK, INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I am writing to file a complaint about Optum Bank, https : //mycdh.optum.com/ I have participated in my employer 's flexible spendingaccount ( FSA ), both on medical and dependent care. The accounts will automatically withdraw funds from my salary and put it into FSA, managed byOptum Bank for the purpose of pre-tax savings. Due to the CARES Act, employees are allowed to have a new election to put more fund into account mid-year, therefore I selected additional {$480.00} this past XXXX into my XXXX medical FSA, in effect beginning XX/XX/XXXX, as you can see in the attached pictures. On XX/XX/XXXX, I submitted a medical claim incurred as copayment {$250.00} ( I had a biopsy in XXXX and another excision biopsy in XXXX, resulted in twice {$250.00} XXXX, here I only submitted the first one ), then it was partially denied and the reason was insufficient fund, which was incorrect as I already had new fund elected and the total of my balance at the time was {$490.00} in that account ; I called the Optum customer services after several failed attempts re-submitting the remaining " denied '' amount {$230.00}. I received their phone call back in late XXXX telling me it was approved and I should receive my claim within 3-7 days, but I didnt receive the claim check, so I called their customer services again, then received a call saying it was approved, but still did not receive the check after a week. It's already been several cycles of me calling them and they responded in either calling back or sending me secure messages. During these past 3 months, much of my time and energy has been spent on this single claim/matter. On XX/XX/XXXX, the representative told me via secure message that I needed to provide the receipt for that claim, even though I already submitted the receipt over 2 months ago XXXX ( and many times XXXX and was approved, before my claim could be " approved again ''. On XX/XX/XXXX, I received a secure message from customer service asking me to call them, with my name spelt incorrectly.To date, I still have not received my claim and have not been able to subsequentlysubmit my second {$250.00} copay incurred in XXXX. I still have {$490.00} remaining balance that is withheld ( illegally ) byOptum Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, 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 mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of things to slow down, but this is a bit too long waiting for a response. Per FCRA they have to respond within 30 days and if no response or if they did not validate the account it must be removed. 

I sent in a letter for Equifax to investigate accounts listed on letter on XX/XX/13. 
I sent in another letter letting them know they never responded to my letter on XX/XX/13.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX 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 1666B : 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 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 2023-02-23
Company: CAINE & WEINER COMPANY, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing this letter in regards to several negative accounts on my credit report. I have made numerous attempts to have these accounts removed, but to no avail. I am now writing this letter to officially request the removal of these negative accounts from my credit report. It has come to my attention that the information listed on these accounts is incorrect and does not accurately reflect my credit history. I have proof that these accounts do not belong to me and I demand that they be removed immediately. If these negative accounts are not removed from my credit report, I will have no choice but to file a lawsuit for misrepresentation. This would be a long and costly process for both parties involved, and I hope that it can be avoided. I kindly request your prompt attention to this matter. Please let me know what steps I need to take in order to have these negative accounts removed from my credit report as soon as possible. I am eager to resolve this issue and restore my good credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: NV
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:
Credit reporting agencies XXXX, Experian, and XXXX have been reporting numerous accounts that solely contain information regarding transactions on my consumer report and details relating to the approval or authorization of credit card extensions, whether direct or indirect by the issuer. 

As a result, all three corporations are in violation of the following federal laws : 15 U.S.C. 1681a ( 2 ), specifically Exclusions, Subpart A, Sub-subpart ( i ) 15 U.S.C. 1681a ( 2 ), particularly Exclusions, Subpart B

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 2023-08-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There were more than {$700.00} worth of XXXX transitions that I do not recognize, did not authorize and did not perform on my own. I communicated this to my bank approximately four times and they insist that it was me or my fault. These transactions took place on XX/XX/21 through my Wells fargo account. Despite my pleas the company would not listen to me and I need someone to help me undue the fraud and get my money back.

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 2022-01-17
Company: CITIBANK, N.A.
State: NC
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:
My time as a Citibank credit card customer has been marked by a lot of fraudulent transactions against the account. So much so, that I've changed account numbers three times so far. 

In XX/XX/2021, I notified Citibank that I'd discovered significant fraudulent charges to my account going back to XX/XX/XXXX of the same year. In XXXX, I discovered additional fraudulent charges, bringing the total to 193 total transactions between XX/XX/2021 and XX/XX/2021 totaling {$3500.00}. 

I have made repeated efforts to reach Citibank to get a status on my dispute and each time I get transferred to different departments, but have not managed to get anyone to give me a concrete answer as to where things stand and how long it will take to resolve my dispute. After almost three months since my report of the dispute, I have received two letters from Citibank stating they are continuing the " investigate '' the dispute. Thus far, accessing my account online, I see only a total of only 28 transactions aggregating to {$630.00} has been resolved. This represents only 15 % of the total disputed transactions and 18 % of their dollar amount. 

This has been a highly frustrating experience and one where I'm not getting timely resolution on my dispute. As I understand, the card issuer has, by regulation, a requirement to resolve disputes within two billing cycles. Citibank has not complied with this regulatory requirement.

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 2023-05-15
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received phone calls at all hours of the day from Sunrise Credit Services , Inc XXXX They claim to be collecting a debt of {$140.00} from XXXX XXXX XXXX but I have never used XXXX XXXX XXXX and they refuse to provide proof that I owe that amount. They have also entered a debt collection entry on my credit report which has negatively impacted my credit.

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 2022-01-17
Company: EQUIFAX, 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:
I am writing about the inaccurate information that continues to report on my credit file because of the negligence of the XXXX, XXXX and Equifax representatives. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have requested on numerous occasions for validation and verification that the XXXX, XXXX and Equifax employees have received to show these fraudulent accounts are mine and have received nothing. This is because there is nothing as these accounts were opened fraudulently. However, XXXX, XXXX and Equifax reports that they have verified these accounts are in fact mine. Who at XXXX, XXXX and Equifax verified this account? Who did they verify with? I also have several other accounts where I have submitted the police report to show they were fraudulent accounts. Once again, XXXX, XXXX and Equifax is still reporting these accounts and the other bureaus have deleted after investigation. These accounts are ( XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ). This is beyond ridiculous and negligent. I have also placed a fraud alert on my account to stop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) fraudulent inquiries on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Google Compare Credit Cards Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
The other personal affairs concern a company named Google. Google has allowed game developers to advertise falsely. In two games played, I have accrued a payout of over XXXX to XXXX. I was never paid. I could not recover these amounts. These apps appear on the XXXX XXXX XXXX. As a consumer, I do not receive the care that many others receive, perhaps because I am a woman and XXXX. Every time I report unauthorized charges, as a penalty, Google blocks my account and only will reinstate it if I send in several pieces of information like photos of my ID, debit card, and other legal documents. How often will I provide my personal information before they can verify me? The only thing that has changed is my debit card. I fear Google employees are misusing customers ' private data for other matters, or it is sold to others globally. They seem to request this too often or whenever a complaint is launched against them. 

Google also allows these to take place within apps that are on their platform : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These issues are still current. Google retaliates against customers who complain about services and lack of treatment. I have requested an itemized bill of payments, which was promised but never delivered. Google lies to customers ' requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit and notice that this company had place some unknow debt on my credit I am not aware of. My identity has been stolen a while ago someone was taking my mail out of my mailbox I did everything i was told to do and all the things where removed from my credit know they are coming back on my credit this is not my debt. Only thing this company could show me was my address that is all I ask them to remove this because this is not my debt I was not aware of this debt being on my credit report not my debt. it is not fare for them to place this on my credit report without me knowing it.

Jefferson Capital System {$1700.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: CA
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:
I've tried explaining to this consumer reporting agency that I didn't authorize this reporting agency to report this inaccurate information on my consumer report. It is really starting to become a burden on me and my family.. this is a complete error on behalf of this reporting agency. I have never been late on my payments to XXXX XXXX and would like this matter updated to paid and current.

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 2022-01-17
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wallet and phone was stolen from me. The thief went in my phone and forwarded money from my credit card from a cash advance to herself. I explained that to the company when I was called and questioned about it. However, this debt was still forwarded to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: IN
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:
EXPERIAN IS KEEPING A A CCOUNT ON PROFILE THAT SHOULD NOT BE REPORTED IT HAS BEEN DELETED BY OTHER BUREAUS BECAUSE OF INACCURACIES EXPERIAN CONTINUES TO REPORT ACCORDING TO FCRA ALL CREDIT REPORTS SHOULD REFLECT THE SAME! EXPERIAN IS IN VIOLATION I WILL SEEK COMPENSATION OF {$1000.00} PER VIOLATION

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