BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have wrote and disputed the same item by " XXXX XXXX XXXX '' on my credit several times. I have requested the method of validation, written and verbal. I have written that the item is unverified and remains on my credit against Federal Law. I requested the original creditor documentation on file and that the information be verified. They REFUSE to provide me a copy of ANY original documentation required under section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( a ) and ( 5 ) ( A ). In addition, when researching the company, XXXX XXXX XXXX, they are not even a real debt collector. Their address provided XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX provides no suite number, to send formal written correspondence. I contacted them at ( XXXX ) XXXX. 
When I contacted them, a male representative, XXXX, threatened me and said that they are a law firm and have filed suit against me and that my wages would be garnished for {$3100.00} and my license suspended. I advised him that I never had an account with XXXX and that I would be filing a complaint against him and he hung up on me. Experian refuses to comply with the law and has only replied that the debt collector has only provided that " the company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This response is insufficient and does not provide any information that I requested by written request on XX/XX/XXXX & XX/XX/XXXX. I am respectfully requesting either they adhere to my written requests or remove the items outright from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Experian Information Solutions Inc.
State: LA
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 account is not mine. I have tried to explain it to them on numerous occasions.

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 2021-04-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Student prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
the old linked card expired. American Express deleted the old student card linked to the prepaid card. I tied to link the new card to this account and i needed to verify trial depsoits there app refuses to verify trial deposits. That after 10 times exceeded American Express wont let me add the same card there requesting a new card which i told them I can not get a new card. They blocked me from adding the card linked.. American Express new system is being complicated. I let here reps know that there system new system is complicated and will not let log in from there website. I can not make deposits Americn Express system being complicated and will not let me send my school funds over from the linked card to their account not unless i get a new card. There fraud department said it exceed 10 ten times. I told them its not my fault that there system will not allow me tto do so. its there system they should of kept the old system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX XXXX is reporting negative on my consumer reports with Experian and XXXX. I have notified Experian, XXXX XXXX, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The last certified letter I sent them was a 5-day reinsertion letter dated XX/XX/2017, because they removed the account, but later XXXX and Experian put it back on my report driving my score down. XXXX and Experian sent me a report stating that the accounts were verified. XXXX do not have any reporting they just have the account as a bad debt. Experian has the account reporting as a bankruptcy account. I have spoken to the company and had them send me the release of lien for the property again ; which I am attaching to this complaint. I am still the owner of this property. Experian and XXXX did not follow the requirements relating to reinsertion of previously deleted material. I received no such notification, this is a serious violation of the FCRA, and I demand that the account be deleted immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-07-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a checking account with Santander Bank, XXXX XXXX XXXX, XXXX New Jersey XXXX ( XXXX ). I also have a debit card which is attached to the checking account. When using the debit card with another Banking or ATM vendor, I 'm given the opportunity to accept the charges for their services and if I agree a fee is charged by the company where I 'm completing the transaction. Santander Bank then charges me a {$3.00} fee for not using one of the ATM at one of their branches. I 've spoken to management at that branch and I 've filed a small claims complaint in XXXX County Superior Court. A default judgement was awarded against Santander Bank, but I never received any further documentation from the court. On occasions as recently as XXXX XXXX, 2017, one of the {$3.00} fees was withdrawn from a negative balance and the bank charged me an addition {$35.00}. I have never authorized Santander Bank to withdraw the addition fees from my checking account or from any account which I have with Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: JPMORGAN CHASE & CO.
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 recently lost my job due to the pandemic ; and am still job searching. I received a notice from a company for a remote position. I exchanged messages via email and I received an offer letter, which matched the company info and job description. I was sent a check in the amount of {$4900.00} which I was to deposit and use to purchase work materials and computer software. I researched and found that the company was based in Ohio and thought it made sense for them to hire someone immediately. I deposited the check on XX/XX/2020. Chase restricted my account on XX/XX/2020 as payments for my regular bills were getting returned and I incurred insufficient funds fees of {$34.00}. They are also withheld my dividend disbursement of {$7.00}. 
I have called customer service, countless times only be told that I was to received a check for the funds of my account in 1-2 business days. A  week had gone by and I received no status update. I went into my local branch XX/XX/2020 and they only ask if I have called the fraud department where I am only to leave a VOICE MESSAGE and I have to wait for someone to call me back. I was advised that the person assigned to reviewing/closing my account has not done a thing, let alone respond to messages. I have had two different bank reps leave messages on my behalf and I have also called and left messages myself. It has now been three weeks, my bills are past due, my credit is getting dinged, and I have not received a call from a Chase manager. 
I am currently on the phone, holding to speak with someone this morning and have been on the phone since XXXX XXXX  XX/XX/2020. This is unacceptable from any " Financial Institution. '' How is a simple task of closing my account and issuing my money this difficult? Mind you, the amount from the fraudulent check has been returned from the issuing bank. There is nothing else to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My account balance with  XXXX   XXXX  was  discharged in a Chapter   XXXX  Case #  XXXX  filed   XX/XX/XXXX  an d converted to a Chapter  XXXX   XXXX  filed   XX/XX/XXXX .  To date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems 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 2017-09-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Dear Whom it may concern, I have a medical collection account on my credit reports including XXXX, Equifax and XXXX it was placed in collection and on my report as XXXX XXXX. I submitted a complaint to the CFPB against XXXX XXXX for never providing proof of debt and verification of debt and they stated to the CFPB, " The company responded that they are not the appropriate company to address your issue. '' XXXX XXXX admitted they are not the company to address my issue I want this collection account deleted right away because they are providing false information to all 3 credit reporting agency 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 14th 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 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 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 2018-10-10
Company: Carter-Young, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Beside the fact that there was no notification given about this debt, this debt collector is not licensed in the State of New York to collect debts. The only license number provided from them is not registered as a licensee with the XXXX XXXX XXXX Department of Consumer Affairs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
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: Information belongs to someone else

Complaint:
I MAILED MY DISPUTES TO THE CREDIT BUREAUS XX/XX/2020 AND I STILL HAVE NOT RECEIVED A RESPONSE YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions 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:
THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-19
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:
THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: Credit inquiries on your report that you don't recognize

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
This is XXXX 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 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 2018-11-02
Company: EQUIFAX, INC.
State: LA
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 tried to get XXXX card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX  to remove this account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/XXXX and I also sent one on XX/XX/XXXX. I haven't receive a response in over 90 days. This shouldn't even be possible that they can operate in this manner. they have 30 days to respond. It's well over that. How can they just break the laws and do what they want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I applied for a personal loan and the company deposited a fraudulent check. They then withdrew funds from my checking account. They made purchases through another application withdrawing funds from my checking account. All started on XXXX totaling {$3800.00}. I was called by the FRAUD DEPT from my bank and this put my account in the negative. They told me that I was responsible for bringing it back to a positive amount. I filed a fraud complaint and they denied me twice. This was a fraudulent deposit and I do not feel that I am responsible for that or the transactions. What is insurance and liability for if thats the case Ive been a member for XXXX years and I think that I shouldve been covered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation