BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2018 To : Consumer Financial Protection Bureau Im writing this letter to complain about XXXX XXXX false information provided to Credit Bureau ( Experian ) about delinquencies reported for account Account ( XXXX Advance Mastercard Account Ending in XXXX ). XXXX XXXX  reported on XX/XX/XXXX that my account has later payment for 3 months and current balance {$100.00}. 
After receiving alert from Experian on XX/XX/XXXX, I checked my FICO score and it was lowered by 77 points because of that fraud report. After talking to XXXX XXXX  ( credit card and collection department ) I was told that this is not correct information and bank DID NOT REPORT IT. I attach the letter from bank to confirm their answer. ( date XX/XX/XXXX ) Experian credit bureau dispute was initiated on XX/XX/XXXX and result was returned back on XX/XX/XXXX back that said that information still correct and bank confirmed about my negative status of my CC balance.Currently there is still negative report in my account ( attached copy is provided ). Second dispute is initiated again. 

THE REAL TRUE STORY IS THAT MY ACCOUNT WAS CLOSED IN XX/XX/2018 AND CHARGES THAT WERE MADE TO MY XXXX CREDIT CARD ACCOUNT WASNT AUTHORIZED. CURRENT BALANCE NOW XXXX AFTER WAIVING ALL FEES. 

My complain is about false and misleading information from both agency : Experian bureau and Bank XXXX. There is no real information provided from both of Agencies. XXXX customer support told that none reported to Credit bureau, but Experian Credit Bureau notifies twice that there is still account in bad condition ( balance of charge and later fee for delinquencies ). 
On XX/XX/XXXX I tried to reach both company ( XXXX and Experian ) but none was able to help me as it was so hard to reach correct department and right people who is in charge of doing such reports. I dont think that FICO scores and Credit Bureau reports of people should be TRUSTED by any banks or financial companies. 
Please help me to fix that fraud information and fix my score.

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 2023-06-13
Company: Resurgent Capital Services L.P.
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:
I have reported FRAUD numerous times to the companies that are reporting negative results to the credit bureaus. They are refusing to remove ALL these negative collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
ON XX/XX/XXXX I SENT A WIRE THROUGH CITIBANK TO A BANK IN XXXX FOR {$2500.00} USD ( XXXX EUROS ). ON XX/XX/XXXX THROUGH AN INTERNAL AUDIT WITH THE VENDOR WE WERE SUPPOSED TO SEND THE MONEY TO, WE REALIZED THE VENDOR DID NOT RECEIVED THE WIRE THAT WE SENT ON XX/XX/XXXX. WE CALLED CITIBANK ON XX/XX/XXXX AND SPOKE WITH XXXX AND HER SUPERVISOR XXXX AT THE WIRE DEPT. XXXX OPTION 1. THEY SAID THEY WOULD RESEARCH AND FOR US TO CALL BACK ON FRIDAY. WE CALLED BACKED ON XX/XX/XXXX AND WAS GIVEN A CASE NUMBER XXXX AND WAS TOLD TO GIVE A CALL BACK WITHIN 2-10 BUSINESS DAYS. ON XX/XX/XXXX THE BANK IN XXXX CONFIRMED THEY RECEIVED THE FUNDS, BUT DID NOT APPLY TO THE ACCOUNT HOLDER. ON THE SAME DAY XX/XX/XXXX WE RECALLED THE FUNDS AND WAS TOLD TO CALL BACK WITHIN 2-10 DAYS BUT IT SHOULD BE NO LATER THAN 3 DAYS. XX/XX/XXXX WE CALLED BACK AND WAS GIVEN A GLOBAL ID NUMBER FOR THE WIRE TRANSFER XXXX AND SPOKE W/ XXXX A SUPERVISOR. SHE SAID TO CALL BACK AND SHE LOOKS INTO IT XX/XX/XXXX. WE CHECKED BACK IN ON XX/XX/XXXX AND HAD TO REQUEST TO ESQUALATE BECAUSE THE REPRESENTATIVE DID NOT KNOW HOW TO HELP US. THEY ALSO SAID THE BANK IN XXXX HAS REQUESTED XXXX EURO FEE TO INVESTIGATE OUR WIRE. 

WE HAVE WAITED PAITENTLY FOR CITIBANK TO RESOLVE THIS ISSUE BUT THEY HAVE FAILED TO DO SO. WE WOULD LIKE TO REQUEST YOUR ASSISTANCE IN HELPING US WITH GETTING OUR MONEY BACK FOR US SO WE CAN CLOSE OUR ACCOUNT WITH THIS AWFUL BANK.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-12-30
Company: McCarthy, Burgess & Wolff, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This company was assigned the XXXX XXXX account that was written off that I was not notified of. I never received a notice from XXXX about a final bill or anything of that nature. Furthermore when I received the letter just this week it was purposely mailed without my full address including the account number so it was just sitting at the main inbox for weeks before it was assigned to my mailbox which I feel is a purposeful neglectful act to slow down the dispute process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-03
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$130000.00XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2023-06-13
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2021-12-30
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I tried to make an international transfer ( MTCN : XXXX and XXXX ). The recipient was unable to retrieve the money due to an issue with Western Union. Western Union returned the money, but kept the service fees, which are very high. 
Since the transfer was unable to be completed and it is not my fault or the recipients fault, they should return the fees. 
Below is the response from western union. 



On Wed, XX/XX/2021 at XXXXXXXX XXXX XXXX XXXX wrote : Dear XXXX, Thank you for contacting Western Union . 

Please accept our sincere apologies for the inconvenience you may have experienced in respect to the error which you have received in your money transfer. 

We carefully checked your transaction under MTCN : XXXX and XXXX and found out that the refund has been initiated on XXXX. We are sorry to inform you that we are unable to refund full amount as you need to cancel transaction within 30 minutes of initiating for full amount refund, Please be advised that your refund may take within 5-7 business days ( excluding Saturday and Sunday ) or depending on your bank 's processing time to deposit the funds into your account. 

Should you have inquiries, do not hesitate to contact us back. 

Finally, please remember to bookmark our Help Center page where you can always find the most current information on Western Union products and services. 

Sincerely, Western Union Customer Care ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 2019-07-15
Company: Netspend Corporation
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an account with XXXX/Netspend and I authorized payment for {$600.00} to come out to pay for my car payment with XXXX XXXX. I became aware today, XX/XX/2019, that the payment that I scheduled forXX/XX/19 was returned due to NSF. I was not notified via mail to advise there was a return payment. The account at the time had a balance of {$590.00} which would have made the account short by {$3.00}. XXXX/Netspend I learned will pay for transactions if within a {$10.00} range but not if you use a Checking account. I have not had an NSF on this account the entire time which has been almost three years. I now have a 30 day late on my Credit Report because I was unaware of the NSF. I also didn't receive notice from XXXX. I feel it is unfair to customers to have overdrafts paid if they use their debit but not their checking. It's the same account and XXXX/Netspend would still be extending funds. The card I was not afforded the option on my account and now this has damaged my credit. I have tried to reach XXXX/Netspend to resolve and they only offered a sorry and moving forward to change alerts. The card I have states all access but I was not given the same treatment for customers with debit card transactions they may come up short.

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 2018-05-10
Company: PNC Bank N.A.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XX/XX/XXXX my bank XXXX XXXX XXXX   sent a XXXX check to XXXX XXXX XXXX XXXX electronically. They never did get it. On XX/XX/XXXX it was cashed at a PNC Bank. Neither XXXX XXXX nor I have an account there now or in the past. I spoke with my bank and they have conducted a fraud/electronic foul play investigation and have reported that it did not happen. I called PNC Bank and because I don't have an account there they could not talk to me about it. They referred me back to my bank and tell them they must inquire about it. My bank is currently working on a ( source of receipt ). When I reported it to my bank she said it would take 60-90 days before PNC respond. She also told me that there are no laws that say PNC has to respond within that time frame. 
It was the last of my money and in my eyes they deliberately, intentionally and willfully stole money from me based upon they had no account to deposit it into.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The information provided to me indicates that a collection agency named IC Systems Collections sent an account of {$1300.00} to collections. My records indicate this was done on XX/XX/22. The original creditor is listed as XXXX. 

I have never interacted with XXXX. I have never bought anything from them, nor have I used their phone services.

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 2021-12-30
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 received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: VA
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 Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-06-13
Company: JPMORGAN CHASE & CO.
State: DC
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:
Company : JPMCB account : XXXX In accordance with the fair credit reporting act XXXX XXXX, Has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1692g - Validation of debt law This account with JPMCB has been Charged off but is still reporting late payments and balance to my credit report. I have requested a 1099c form so I can audit them to make sure they are in compliance but have yet to receive one. As it has been remove from 2 bureaus but it still negatively affecting my report on XXXX. 
They are violating 15 USC 1681 e ( b ) for reporting information that is not 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX credit reporting bureau information incorrect I have tried several times and they refuse to correct information, name addresses, telephone numbers several outdated accounts over ten years old and over 3 years old. A fraud dispute with XXXX XXXX  for {$240.00}. Synchrony bank incorrect information in which is causing me financial difficulty. 
when I called in the report also, they are using information that is incorrect and refuse to delete from my report. Including several outdated inquiries. XXXX Credit Bureau are total frauds. They are not there to help the consumer as they portray and use information that date over 10 years old. I paid off over {$10000.00} XXXX dollars of several accounts and due to this Synchrony Bank had black balled me along with XXXX credit bureau, personal information dating back to XXXX, in which is inaccurate job information. Name information, I need your help as credit bureaus like this destroy consumers credibility along with XXXX XXXX XXXX XXXX XXXX, XXXX. Cunsumer relations XXXX, PA 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 2023-05-16
Company: EQUIFAX, INC.
State: MI
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 several 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation