BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX 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 2018-11-05
Company: EQUIFAX, INC.
State: NV
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft please remove Bankruptcy : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: PNC Bank N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello, my name is XXXX XXXX XXXX on XX/XX/XXXX XXXX at XXXX XXXX atm was trying to withdraw {$80.00} dollars and the machine did not give me the money yet I received the charge. I called the ATM company PNC Bank which than told me to call my bank. I filed a transaction dispute with XXXX  XXXX XXXX which was rejected by the bank. I need the {$83.00} back. Because i never got the money from the machine and i really need the money. Thanks XXXX XXXX XXXX XXXX XXXX , Ca XXXX # XXXX XXXX fee {$3.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: NM
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX   ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021

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: NC
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 have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XX/XX/2020. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have been a customer of Kohl 's and have had a credit card with them for close to 10 years now. I recently noticed on my statement that the XXXX had changed from 23.99 % to 24.99 % without getting any notice from Kohl 's on the increase in the interest rate. I called and asked them to explain to me how they were able to increase the rate without informing me, and they stated the letter " must be lost in the mail ''. Now, they do have my email address, and phone number so I would say there would have been other ways for them to contact me especially considering I am a loyal customer. This is what I currently have on my statement : Purchases 24.99 % ( V ) {$1200.00} - interest charged for the month - {$25.00} PROTECTED BALANCE 23.99 % ( V ) {$580.00} - interest charged for the month - {$11.00} They also told me the Protected balance is purchases I have
made prior to the increase in the XXXX, but again I was never informed or agreed to the new terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal Law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report.

Experian is reporting inaccurate information with these accounts and not giving out proof of verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I filed a dispute 3 months ago regarding this inaccurate information on my credit report however, Experian is not doing their investigation. I have not received any verification for these accounts. They are reporting inaccurate Dates and Balances. I have been sending them letters, but I never received any responses from them.

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 2018-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
How Bank of America didn't protect my money or secure my bank account.

Apparently I was spam bombed with a few thousand emails. This started on XX/XX/XXXX th and has continued to present. I did research and discovered that spam bombing is used to cover up financial attacks so on XX/XX/XXXX I changed all my passwords to all my accounts. 
However little did I realize that earlier someone had according to Bank of America logged into a : '' trusted device '' and transferred {$7500.00} to a XXXX XXXX. 
Never hear of this person. Somehow the hackers managed to change my bank profile settings and enroll their telephone and sign up for safe pass which allows someone to transfer more than {$5000.00}. At no time did i ever get a warning or a text from BofA. 
I have had this business account for over 20 years and have NEVER done a transfer like this. Red flags, Nothing On XX/XX/XXXX I discovered the theft and filed a claim with B of A. 2 days later XXXX XXXX in the fraud investigation department emailed me a letter stating my claim was denied because it was on a trusted device. In spite of repeated attempts Bank of America never supplied me with any information about devices or routing numbers of where the money went to. I am unable to file and FBI report because Bank of America has not been stonewalling me. They told me they were trying to recover the money from XXXX XXXX but on the other hand stated they never actually spoke with anyone at XXXX XXXX.. 
So I am now out {$7500.00} Bank of America completely failed to protect me, failed to honor their if your a victim of fraud your not responsible.

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 monetary relief
Consumer complaint received 2020-10-04
Company: EQUIFAX, INC.
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey | DOB : XX/XX/XXXX Equifax XXXX. XXXX XXXXXXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the  physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX My credit has been effected since XXXX XXXX  trying to collect from me XXXX that credit card was not mine. I have submitted a claim in my credit report. Need to take this off 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 non-monetary relief
Consumer complaint received 2022-04-25
Company: CORELOGIC INC
State: NJ
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:
There is a XXXX  XXXX Bankruptcy from XX/XX/2018 reporting on my Credit report which is fraud ; because I have an letter from the United states Bankruptcy Court stating that they do not provide information regarding case filings or disposition to the credit reporting agencies. Also the United States Bankruptcy court states in the letter that it does not have a relationship with the credit reporting agencies. Also you can contact the United states bankruptcy court at ( XXXX ) XXXX. The United States Bankruptcy Court 's information is in the letter that i provided.

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 acount 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
Consumer complaint received 2020-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hello Parties involved is my Capital One Bank Card- Account Number ending in XXXX which closed back on XX/XX/XXXX but I still have a owing balance of {$390.00}, The problem is 1. XXXX  has my closing date recorded incorrectly showing XX/XX/XXXX, but it should be XX/XX/XXXX. { Can you please have them correct. } 2. XXXX  is not reporting this account at all on my credit report. 
3. XXXX is not recording this account at all on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Myself and my wife both retired seniors XXXX  XXXX 's are victims of fraud. Unauthorize withdrawals were made from our checking account at the XXXX XXXX Federal Credit Union ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. All transaction codes used against our checking account were identified as " External Withdrawal/XXXX GS '' ( GS in banking terms is Goldman Sachs ) . We do NOT have an XXXX/GS account. During the period XX/XX/2022 to XX/XX/2022 a total of XXXX transactions totaling {$9200.00} were made incrementally beginning in XX/XX/2022. The XXXX was notified on XX/XX/2022 and took immediate action to investigate these unauthorized withdrawals. A police report with the XXXX XXXX, Police Department, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX was filed on XX/XX/2022. On or about that date my wife called XXXX and Goldman SachsXXXX XXXX XXXXXXXX, XXXX and apprised them of the problem. XXXX provided no support, while a supervisor at Goldman Sachs said she would look into it. Note that we have XXXX products but do not have an XXXX/S account. To date the XXXX has reimbursed us for the months of XXXX and XXXX and has identified a potential suspect of this fraud. To date we do not know how a stranger got approval to make withdrawals from our checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I wrote a formal complaint to Trans Union on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX bankruptcy from my account due to the fact that it was not mine.

I did not hear from them after 30 days so I wrote them again using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred.

I have included a copy of the second letter along with the receipt of the certified letter that was sent to Trans Union.

If you have any questions, I am free to discuss this situation.

Thank you in advance for you assistance. 


XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone used my identity to try and open an account at Umpqua Bank. First email contained a confirmation # for choosing XXXX XXXX  with Umpqua Bank on XX/XX/XXXX, asking to veify test deposits and withdrawals to external funding account at XXXX XXXX XXXX. Recieved two additional emails on XX/XX/XXXX indicating micro deposits were created. I notified the bank right away that it was not me, XX/XX/XXXX at 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 2023-05-24
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: Information belongs to someone else

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 removed : 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 explanation
Consumer complaint received 2021-09-25
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing today to notify the CFPB about an issue that is related to Identity theft. I have notified the collection company, ( RESURGENT/LVNV FUNDING ) and they have failed to comply with my request. Im now in the process of filing a lawsuit against the offending company, as well as the original creditor which is XXXX XXXX XXXX I have all supporting documentation, and will upload the police report as well. Please take all necessary steps to have this information removed permanently, and notify me of all findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
State: NV
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 submitted documentation from XXXX that I submitted to be included with my original dispute and was told it would take another 30 days for another investigation that XXXX would have to contact the court even though I have proof of the removal of my dispute. I received no confirmation number.

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: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a PayPal Master card via Sychrony Bank. I have had the card for about a year. I have a {$14000.00} credit limit. I was as heading out of the  USA on XX/XX/XXXX so I paid my {$13000.00} bill online XX/XX/XXXX. The money left my bank account on this date. While out of the USA I attempted to use the MasterCard on XX/XX/XXXX and the charges were declined forcing me to later use an alternative payment. 5 calls to Sychrony Bank provided no relief. I was told that large payments are on hold to verify and that my credit line would not be restored until XXXX XXXX. I asked where is the {$13000.00} that left my account on XX/XX/XXXX. They replied it is on hold as it is a large payment. I consider this to be a dishonest business practice to use my funds for 14 days.

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: 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: Was not notified of investigation status or results

Complaint:
I have been mailing letters requesting that items on credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of 2020. It frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief