BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: COMMERCE BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I received a check from another bank payable to both of us. We do not have a joint account but both bank with Commerce Bank, so we both endorsed the check and I deposited it in my account. Commerce Bank refused to deposit the check to my account claiming it was a " third party check. '' First off, it was NOT a " third party check '', it was payable to the account holder, and his wife, who both signed the check. Second, it was from another Bank, not an account holder, the Bank itself, so it's not as if there's a risk the funds would not be good. Third, my account has more funds in it than the amount of this check, so there is no risk to the bank of a loss. 
On top of Commerce Bank refusing my deposit and notifying me by letter ( not by phone, email, or any other instant method ), and telling me to call them to find out more information, when I called, I was advised that they MAILED THE ENDORSED CHECK TO MY HOME VIA REGULAR MAIL. So effectively, there is a negotiable instrument floating around in the USPS - anyone who gets their hands on it can cash it - apparently at any bank other than Commerce Bank. They might as well have mailed me some cash, it's just as safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 to express my disappointment regarding your recent claims concerning my accounts. I firmly reject these claims based on the fact that you lack substantial material evidence to support your assertions. As a result, I strongly urge you to promptly commence a comprehensive investigation into these matters. 

Your recent claims have cast a significant shadow over my financial standing and hold the potential to cause severe harm to my creditworthiness. It is of utmost importance that we address this situation swiftly and accurately to prevent further repercussions. 

Furthermore, I want to emphasize my strong rejection of your decision to decline my identity theft claim. The authority to determine whether I have been a victim of identity theft does not reside with your organization but with established legal processes. Your authority or legal standing does not grant you the right to make such a determination on my behalf. 

If you persist in declining my position, I am prepared to take legal action by contacting my attorney to seek a legal remedy. I implore you to ensure that my identity theft claim is processed in strict accordance with the law. 

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 explanation
Consumer complaint received 2022-03-15
Company: BARCLAYS BANK DELAWARE
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: Was not notified of investigation status or results

Complaint:
BARCLAYS BANK DELAWARE accounts were reported in my Credit report and I am not aware of the status of getting into charge-off. I have reached out to the agency and the credit bureaus about this issue but I am still waiting for their response longer than I have expected. On top of that, no modes of communication were done to notify me about the issue. The worst thing is that the accounts ' information was incorrect. Please look into the following accounts and verify : BARCLAYS BANK DELAWARE XXXX BARCLAYS BANK DELAWARE 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 2023-09-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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 third 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, MD XXXX XXXX XXXX  XXXX XXXX XXXX , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I am writing concerning inaccurate negative reporting on my credit reports from XXXX  XXXX. As of today, XX/XX/XXXX, my Transunion and XXXX reports are reflecting that I had a 30 day late payment in XX/XX/XXXX. This is inaccurate reporting, as I was not 30 days late according to my payment schedule. In XX/XX/XXXX, I successfully rescheduled my repayment dates in the XXXX  XXXX  to the following : XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} I paid off this loan on XX/XX/XXXX, by paying my remaining balance for XX/XX/XXXX and XX/XX/XXXX, for a total payment of {$350.00}. I was never 30 days late on this loan or any other loan I have had with XXXX XXXX I have email confirmations of my payment schedule and payoff dates from XXXX XXXX  to confirm. 

I have attempted to dispute this inaccurate infomation with XXXX and Transunion, and I have contacted XXXX  XXXX  via email to resolve this issue. XXXX XXXX refuses to remove the inaccurate reporting from my credit reports.

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 2021-08-13
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Balance {$0.00} XXXX XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was discriminated against by Capital One and denied my own credit after Capital One had already gained access to my estate by accepting my social security number ( credit card ) information, this is a direct violation of the rights afforded to me as a consumer by Congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: SUNRISE CREDIT SERVICES, INC
State: AZ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX Account Number : XXXX Case ID : XXXX and XXXX Debt Collector Sunrise Credit Services Inc . 
Account : XXXX -As of today Back in XXXX, XXXX XXXX had a data breach, where my identity was stolen. When we were notified of that I froze my credit in Late XXXX. Account with XXXX XXXX XXXX was fraudulently open in early XXXX. At that time I contact XXXX XXXX XXXX who could not confirm if that account was real. A couple months later I start to get text message saying I owe them close to {$1700.00}. Called back then and they confirmed the account existed and told them it was fraud ; They would not provide and details of the account to me. After filling out their affidavit and an FCC complaint I hear nothing back from them, That was submitted in XXXX. There was no contact from XXXX XXXX XXXX after that time. I receive another text message from a debt collector on XX/XX/XXXX saying I owe the approximately XXXX. After contacting XXXX XXXX XXXX customer service again and emailing them they are refusing to speak to me about this issue anymore.

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 2022-02-10
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX and I'm sending this complaint to address the inaccurate reporting of Experian. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the inquiry that is still reporting on my account : XXXX Inquired on XX/XX/XXXX 2020

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 2018-08-14
Company: ATG Credit, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018, I called University of XXXX, they gave me the number to the collection agency.. I called and was informed that they put my account with ATG Credit. I called and spoke with a lady nd verifies my address, name, social security number and all. I asked her when did they receive the account and all she said was One day last month I never received a debt validation letter from them. They also had my current phone number and still never called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Lost or stolen money order

Complaint:
My account was closed on a decision of Merrill Lynch, once its balance got below its minimum for XXXX XXXX XXXX  Clients in XXXX, where they send their agents to open new brokerage accounts, without being authorized by the XXXXXXXX XXXX XXXX. 

I opened such an account over 25 years ago with number XXXX ( later echanged to ) access code XXXX, and suffered extensive losses, whiche led to my balance getting below the minimum required by Merrill for their XXXX clients. I was asked to provide information on where to send my stocks and cash. I provided the information for my Brokerage Account at XXXX XXXX XXXX XXXX  Many months later, I received the aforementioned check for {$34000.00} ( attached ), which arrived with many months of delay, when it had already probably expired because it had been sent by snail mail. which doesnt work in my Country. All our previous communications had been via XXXX XXXX XXXX XXXX, XXXX, XXXX ). I tried to cash the check unsuccesfully through my XXXX Account. 
Through the previous 4 years, I have contacted the XXXX Branch of Merrill Lynch, only to be told my account executive XXXX XXXX XXXX, then head of that branch, no longer worked there. I was routed to a Corporate Office, where I was told they would replece the check, and a year later someone else said they had not been able to do ot because the funds had been transferred to a " concentrating account '' and a long process required to retrieve them and issue a new check, which to date I have not received. This week, my call was routed to the XXXX XXXX XXXX XXXX, who said they could no longer locate my account because it had been " purged '', though the access code number was still traceable. I was told they would start an internal Customer Complaint but refused to give me a reference number or any means to follow up.

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am filing this complaint to the Transunion. I sent them a letter and called them even regarding the alleged debt of the account reflected in my credit report wherein I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XX/XX/2021, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. Please remove it 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 non-monetary relief
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 non-monetary relief
Consumer complaint received 2022-02-10
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent a validation letter request certified. Company received and took no action. Called and said they where not obligated to send. The account was fromn XX/XX/XXXX. I know nothing about this debt or if it is a valid debt or not. I requested they remove this from my credit report and stated they would not and to contact the original vendor. XXXX XXXX XXXX. Which I did. They know nothing about this debt and refused to contact collection agency CBE. Want the debt removed my credit report and want validation for all debts held by this company. I only seen one on my report but agent said there where over 6k from the same company. I need to see this bills and conduct and audit for validity. And I want this removed from my credit report immediately. I have disputed this debt in XX/XX/XXXX and the company has not responded. The amount of the debt is XXXX XXXX XXXX care, It has hurt my credit score and want this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Experian Information Solutions Inc.
State: OH
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: HI
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:
My information was sold and illegally because I was a victim of the XXXX data breach. I want these items Deleted from my Credit Reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2018-08-14
Company: Gatestone & Co. International Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a call from a XXXX number under XXXX XXXX that keeps calling me. They told me I have over {$3000.00} in debt outstanding with XXXX XXXX XXXX and asked about my address somewhere in Texas. Ive never lived at this address and the other phone numbers she mentioned to me were not correct or part of my family plan. I also have no debt with XXXX XXXX XXXX, as confirmed by the company. This company asked for the last 4 of my SSN and they are clearly falsely collecting this information and willfully deceiving people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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 to formally dispute and request the removal of the XXXX XXXX XXXX account from my credit, as I have been a victim of identity theft. This letter serves as both a dispute and a request for both of the accounts to be removed per law. 

Identity theft is a severe crime, and under federal and state laws, I am entitled to certain protections and rights, including those provided under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). 

I kindly request that you investigate this matter promptly and provide a written response in accordance with the FCBA. I expect that you will : Acknowledge receipt of this dispute letter within 30 days. 
Conduct a thorough investigation into the unauthorized charges. 
Temporarily suspend any further collection activities related to these charges during the investigation. 
Provide me with written updates on the progress of the investigation. 
Provide a final written resolution of this dispute within 90 days. 
Failure to comply with the FCBA and other relevant laws may result in legal action on my part. I trust that you will take this matter seriously and expedite the resolution process.

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 2023-12-08
Company: EQUIFAX, INC.
State: FL
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 is XXXX 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 non-monetary relief
Consumer complaint received 2022-02-10
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Dear Consumer Financial Protection Bureau. The consumer is filing a respectful complaint concerning Chase Bank. There are numerous complaints that are being addressed in the complaint. The consumer was initially told incorrectly concerning overdraft protection when the first account was open. This had resulted to the first account being closed. The consumer was told, The bank allows up to three overdrafts. This is incorrect ; the consumer was notified that Chase Bank had attempted to contact him. However, the Caller ID had never identified the caller. These are examples of what had taken place in the account. The most concerning is as the consumer was led to believe that he had 60 days to refill the account back to positive prior to closure. Currently, the consumer is attempting to pay the consumer. However, miscommunication had led to the consumer preventing to do this.

Company response to consumer: Closed with explanation