BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the 4th complaint I am writing about Transunion. They list an account that they have not properly verified. I have tried reaching out to the creditor using the phone number Transunion lists for XXXX/XXXX  preferred ; however, my contacts have been unsuccessful beucase the number is disconnected. I have also written to XXXX/XXXX  preferred using the address Transunion lists for XXXX/XXXX  on my credit report and the mail gets returned. Transunion keeps saying they verified the debt but clearly they have not updated or verified the creditor contact information.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: TX
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 OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) EXPERIAN AND XXXX Credit Bureaus are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 2023-08-15
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

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 explanation
Consumer complaint received 2023-08-09
Company: CITIBANK, N.A.
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:
Im accordance with the fair credit reporting act these accounts have violated my rights under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 604 A section 2 a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open consumer credit plan as a late payment for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
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: Information belongs to someone else

Complaint:
XXXX XXXXXXXX XXXX are reporting a debt from original creditor XXXXXXXX XXXX from XXXX on my credit report. I don't live in XXXX for 6 years and I never had a debt in there. I asked them for the original information and it's complete IDtheft. I asked them to remove from my report and stop reporting. they still reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: MO
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 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 an 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 2020-06-02
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:
This is my final request to remove account which was opened by another person, not by me. I did not give permission to open this account and never signed any documents. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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:
THESE ACCOUNTS HAVE INCORRECT INFORMATION AND I NEED IT REMOVED FROM MY REPORT. 

ACCOUNTS 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 2023-08-08
Company: EQUIFAX, INC.
State: AR
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 have demanded the agencies be remove these accounts from my credit report. That I did give permission to be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a savings account last XXXX, responding to an offer for a {$150.00} bonus if I kept {$20000.00} in the account for 90 days, which I did. Capital One did not pay the bonus, citing fine print that said the period was really 105 days rather than 90. A previous complaint to the CFPB resulted in a letter from Capital One that did not address the issue, i.e. that there was clear language in the offer saying 90 days. I tried repeatedly calling the follow-up number provided in the letter to talk to someone named XXXX who apparently does not exist. I left several messages, none of which were returned. Not paying this bonus is a clear violation of contract law and false advertising statute. I will pursue in court if it is not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
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:
XXXX XXXX COLLECTION IS REPORTING {$1600.00} A INCORRECT ACOUNT ON MY CREDIT REPORTS. THE ACCOUNT IS NOT MINES ME AND MY FATHER HAVE NAME.

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 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive disputed items on my credit report with Transunion after contacting the collection company. The collection company never sent documents to me proving that I owed them anything. There is not a signed agreement or contract between me and the collection company. There is no cancelled checks. They dont have a copy of my state ID or anything proving that I owed a debt they are demanding that I pay. By law, contracts and or agreements with valid signatures are required to show that someone owes a debt. Bylaw, credit bureaus are required to furnish what they used to validate accounts on our report. Transunion never sent me anything showing how items on my credit report were validated not verified or certified. Their actions and the collection company actions violates the FCRA. I will pursue legal actions against both companies if those items arent deleted from my report immediately. They will be required to pay {$2000.00} for each item incorrectly reported on my account. FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Aargon Agency, Inc.
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XX/XX/XXXX I request assistance removing an ERRONEOUS COLLECTION from my XXXX  Credit Report @ ( XXXX ) XXXX. 

I underwent XXXX on XXXX XX/XX/XXXX, >2 years ago, to correct XXXX  XXXX  in my XXXX  XXXX  at XXXX XXXX XXXX, authorized by VA XXXX Consult # XXXX. I am a medically service-connected veteran covered by the VA. 

The VA paid for Claims to two physicians : XXXX  Dr. XXXX XXXX ( XXXX ) XXXX and XXXX  Dr. XXXX XXXX. The VA said payment was accepted and therefore considered payment in full. They did not pay XXXX XXXX XXXX. 

XXXX XXXX XXXX ERROR Today, XXXX XX/XX/XXXX, I discovered XXXX XXXX XXXX -- who provided the Operating Room -- sent their Claims to the wrong address : XXXX ( an incoming vendor ) instead of the VA Claims address. The VA called XXXX XXXX XXXX at ( XXXX ) XXXX and advised them to resubmit the Claim AGAIN : The first request was on XXXX XX/XX/XXXX. 

XXXX XXXX XXXX said that they were working on my account to stop COLLECTION by Aargon Agency. However, Aargon Agency refused to stop COLLECTION on my account. My credit score dropped nearly 100 points in XX/XX/XXXX. 

Today, VA XXXX XXXX called both XXXX XXXX XXXX and Aargon Agency ( XXXX ) XXXX [ COLLECTION ACCOUNT # XXXX ]. 

THE RESULT? 
The collection is still on my XXXX  Credit Report. I filed the seventh dispute today. 

Additionally, XXXX XXXX XXXX is still trying to collect for XXXX despite accepting payment from the XXXX VA XXXX XXXX XXXX Aargon Collection Agency that "  Balance Billing '' [ charging me individually for the difference in payment schedules ] is illegal. 

Thank you for your attention in this matter.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2021-12-20
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notice from the aforementioned that I owed a debt to a company that I have never done any business with. They claim that they purchased the account from another entity and the original creditor was XXXX XXXX. As I mentioned, I have never done any business with XXXX XXXX, so I disputed the debt and sent to the address provided ( see attached scanned copy ). 
I XXXX the company ( Commonwealth Financial Systems ) and the results showed a huge number of complaints for this company where they have been fraudulently billing people with adverse impact to their credit ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have a grievance against Bank of America ( BoA ) and XXXX.

The Consumer Financial Protection Bureau ( CFPB ) is an entity of the U.S. Government charged with making consumer financial markets work for consumers, responsible providers, and the economy as a whole. Your mandates include rooting out unfair, deceptive, or abusive acts or practices, taking consumer complaints, and monitoring financial markets for new risks to consumers.

Bank of America and XXXX have both begun to target innocent Americans, organizations, and businesses simply because they choose to exercise their Constitutional rights. This is immediately evident in their most recent attacks against the XXXX for advocating 2nd Amendment rights and they have publicly stated this to be true. Why does BoA and XXXX  have the right to deny businesses or individuals the right to banking services because they believe in or support the 2nd Amendment or because they own personal firearms? As a government agency do you not protect me and such others? Large banks like BoA and XXXX receive government benefits and support. Why do they get this if they are attacking our Constitutional rights?

Every American uses banking services in the modern economy. Law-abiding gun owners have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. What happens when they next decide to deny services based on 1st Amendment rights? They deny services to people and organizations based on their religious beliefs or they deny services to media outlets based upon what views they have? It is all the same thing ... denial of service based on discrimination and in violation to the US Constitution.

No American or business should be targeted as a scapegoat for someone elses crimes. No American should be targeted based on their exercise of Constitutional rights. I and my entire family have chosen to close all accounts with these banks, but that is not enough. These type of large institutions can not be allowed to attack people.

Please end this egregious overstep and punish BoA and XXXX for their despicable actions and attacks against innocent Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: MA
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 was shocked when I reviewed my credit report and found late payment on XXXX of XXXX and XXXX of XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are a couple of accounts that aren't mine. Please remove 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 2020-12-12
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Apple credit card managed by Goldman Saks was used to purchase Apple MacBook Pro 13 '' notebook on XX/XX/XXXX at Apple Store online. The amount was {$1600.00} and {$150.00} sales tax as 2 separate transactions. An order was never created. 
Apple Customer Care admitted that it is a known problem happening for a new Apple credit card but was assured that these 2 charges would be automatically dropped from my account in 2-3 days. 
These are still active charges after almost a month, and a number of calls between Apple Store Customer Care and Goldman Saks Support managing this card for Apple did not address the issue. 
Only yesterday after I escalated issue at Goldman Saks Apple Card Support its manager XXXX finally admitted that it is a known problem for this card. 
She created a case # XXXX on XX/XX/20 to remove these 2 charges. 
But when I asked when these illegal charges would be removed she put me on along wait to consult somebody else, and returned back saying it would take another 30 days to investigate this contradicting that she clearly saw that no order was associated with these 2 charges. She neither sent me email about this issue nor would send me mail about it. 

Currently there are 2 charges : {$1600.00} and {$1700.00} I used this card for a recognized {$1600.00} charge. {$150.00} is interest charge from that not created by Apple Store order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 was shocked when I reviewed my credit report and found late payment on XXXX of XXXX and XXXX of XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this is called defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan or anything like that due to the pandemic under this crisis you have hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief