BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following XXXX XXXX XXXX. I am requesting that you promptly update and delete this unknown account. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract con to follow reasonable procedures to assure the maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days of receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account :

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 2022-03-15
Company: GOLDMAN SACHS BANK USA
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, i purchased a online drop shipping course on XX/XX/2021. The company claims the info in the videos contains " sensitive material. '' However, the person who teaches the course, is also teaching it for free on XXXX. The person has multiple videos on his channel and even has a video titled " Complete XXXX  tutorial for beginners XXXX  '' Upon purchasing the course i only have watched the first video and realized the guy is teaching this for free on XXXX. So upon realizing this, i contacted the company for a refund and the customer service rep stated if someone has watched less than 20 % of the course they issue a refund and stated that i have watched 42 % of the course, which is not true. I can login in the website and all videos have a tracker of which ones i have watched. Only the XXXX one has been watched. Once the rep told me he won't issue a refund, i filed a dispute on XX/XX/2021 with my credit card company. Since then i have been laid off, contracted XXXX twice and XXXX XXXX and had to move because of job. By this time it was around XXXX and i realized i never got an email stating the resolution of my dispute. So i contacted my credit card company again and they filed a new dispute. After filing the dispute, i got an email stating my dispute has been cancelled because there is already a dispute pending. From what i understand, dispute must be resolved within 90 days, it obviously has been longer than that. I contacted the credit card company again and they filed a dispute again. I submitted the documents necessary proving my case, i will be attaching the same document here as well. After 2 months, i received an email stating my dispute has been denied because there isn't enough evidence. Which is surprising considering i have attached a lot of evidence regarding the matter. i contacted my credit card company again and asked them to provide me with documents that were used to make this decision and they emailed me the same email I received originally stating there isn't enough evidence. You would expect the company to ask for specific relating to the matter but no its just a vague sentence. I asked them i would like to appeal the decision and the credit card rep told me they don't do that and i would have to file a dispute again. From what i understand, according to the law i have a right to file an appeal but somehow they don't do that here. I will be attaching a document with more specifics in the below section which contains all the evidence proving my point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
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: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an account named ( XXXX XXXX XXXX ) on my credit report that has been cancelled for months now still havent updated on my credit report. Also I have so many inaccurate addresses on my credit report that Experian wont let me dispute. Also I have a personal statement/ consumer report / fraud alert on my credit report I have been disputing these same items for months no RESPONSE OR ACTION HAS BEEN TAKEN. 
I was a victim of identity theft.

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 2022-12-23
Company: EQUIFAX, INC.
State: IL
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:
My information was. In a data breach and multiple accounts were opened in my name I have disputed these accounts and they are still not taking it off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: AR
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'VE SUBMITTED THE COMPLAINT OF THIS FRADULANENT ACCOUNT REPORTING ON MY CREDIT PROFILE. THE INVESTIGATION TAKEN BY THE OTHER BUREAUS RESULTED IN THE ACCOUNT BEING REMOVED FROM MY REPORT. HOWEVER, EXPERIAN CLAIMS TO HAVE DID AN INVESTIGATION INTO THIS MATTER HOWEVER I'VE YET TO RECEIVE ANY VERIFICATION DOCS OR ANY SUPPORTING DOCUMENTATION TO PROVE THIS CLAIM. IVE YET TO RECIEVE MAIL OR ANY DOCS FROM THE CONSUMER THEY ARE CLAIMING I OWE. THEY ARE CLEARLY OPERATING UNETHICALLY BY STATING THEY ARE INVESTIGATING WITH THE CFPB BUT SENDING ME RESULTS FROM A SO-CALLED INVESTIGATION AS IF THEY'VE DONE THEIR DUE DILLIGENCE TO LOOK INTO THIS CLAIM. I'VE ATTACHED DOCUMENTATION TO PROVED THAT THEY HAVE SENT RESULTS OF AN INVESTIGATION THAT WAS NOT DONE BUT REPORTING TO YOU GUYS AS IF ITS STILL UNDER REVIEW. THIS DISHONESTY AND UNPROFESSIONALISM TO THIS MATTER IS CAUSING A TON OF TURMOIL FOR ME AND MY FAMILY. I WOULD GREATLY APPRECIATE IT IF THIS MATTER IS HANDLED.

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 2022-12-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I took out a Wells Fargo XXXX XXXX XXXX on XX/XX/2022 for {$5900.00}. This was the type of loan that if it were paid off in equal installments over XXXX months, no interest would be charged. Therefore, we need to pay approximately $ XXXX to fulfill the contractual obligations for this loan. When I received the first statement for billing cycle XX/XX/2022, I was shocked to find that under the prominent " Payment Information '' line on the top right of Page XXXX, it said the Minimum Payment Due was only {$200.00} due XX/XX/2022. It should have said {$980.00}. Only in their gibberish on Page XXXX of the loan do they have a line that says " NO INT IF PD IN FULL XXXX '' and still no mention of the monthly amount due. I contacted XXXX in the Wells Fargo corporate office and basically got a bureaucratic answer back that they state the terms on the third page. This missed my point entirely that they are again being deceptive by not ever listing the exact amount due to have this loan paid off in XXXX months. Attached is a copy of the relevant statement. Unfortunately, I no longer have a copy of Wells Fargo response and you would have to obtain that from them. Please help by requiring Wells Fargo to show the monthly accurate " XXXX XXXX '' amount of {$980.00}. Thank you.

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 2022-12-24
Company: EQUIFAX, INC.
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:
I was just notified that my credit card is several months past due. I had it set up for auto pay with XXXX XXXX. XXXX sold that card division to XXXX  XXXX  and My {$14.00} original purchase never got paid. Because the amount was so small and the bank was going through a conversion apparently it didn't get reported right away and was allowed to go several months past due and now is reporting on my credit as over 120 days late but this is the first i'm hearing about it from XXXX XXXX and it never reported on my report as late before. I called in and spoke to a supervisor and he could see I had a perfect payment record before this happened. I paid the full amount while on the phone with him and he said to send a letter to the corporate office to see if they can have all those negative non payments removed and restore me to paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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:
INCORRECT INFORMATION ON MY CREDIT REPORT. IVE FILED MY FTC REPORT AND 605 LETTER.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
INCORRECT INFORMATION ON MY CREDIT REPORT. IVE FILED MY FTC REPORT AND 605 LETTER.

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 2018-12-28
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: Information belongs to someone else

Complaint:
I noticed on XX/XX/2018 from Equifax credit report, two credit card accounts issued by XXXX XXXX XXXX, which I did not open nor authorize. One of them has a balance of {$9900.00} but Equifax credit report does not show the account number that I can track. I notified on XX/XX/XXXX to XXXX XXXX XXXX   Fraud Dept. that I am a victim of identity theft and asked for investigation. XXXX XXXX XXXX could not locate these two accounts using my correct full name, social security number, birth date, nor the address. XXXX XXXX XXXX told me I need to rely on Equifax for providing full details of fraud accounts to XXXX XXXX XXXX to resolve the issue. I have so far disputed this fraud accounts to Equifax, initiated the fraud alert, filed police report, filed FTC Identity Theft Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Enhanced Recovery has reported a collection account on my credit report. Prior to this account appearing on my credit report, I did not receive a notice of right to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
After reviewing my credit report I found inaccurate items that have not been verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX I intend to pursue litigation in accordance with the FCRA to seek relief  and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted 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 2018-12-29
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX is showing a missed payment from XXXX of 2012 - payment was not missed or notified of missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: TRUIST FINANCIAL CORPORATION
State: FL
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, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; SUNTRUST DBA LIGHTSTREAM is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. SUNTRUST DBA LIGHTSTREAM is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : SUNTRUST DBA LIGHTSTREAM XX/XX/21. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. SUNTRUST DBA LIGHTSTREAM is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit 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 2022-12-23
Company: EQUIFAX, INC.
State: NC
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. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX Formerly XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX & XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX has violated my rights . 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2022-03-15
Company: JPMORGAN CHASE & CO.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
My wallet and XXXX were stolen while I was traveling in XXXX XXXX, California. I reported fraudulent charges on my Chase Sapphire Preferred credit card within minutes of the charge being made. The people who stole my card were denied the first charge they made, but completed the transaction again and Chase allowed it to go through despite me reporting the previous charge as fraud within minutes.

I filed police reports, froze my credit accounts, had to order a new debit card and driver 's license. My iphone that was stolen wound up in XXXX ( via findmyiphone ), which suggests a pattern of theft from this person/people who stole from me.

There were 2 fraudulent charges made on my Chase card on XX/XX/21. The first one was made at a XXXX for {$46.00}, and the second was made shortly after for {$410.00} at XXXX. Chase has approved the XXXX charge as fraud, but will not recognize the XXXX charge as fraudulent. I have sent in numerous documents to prove that I did not make those transactions, including confirmations of police reports, proof that I ordered a new driver 's license, proof my XXXX was stolen, and a statement from my XXXX account showing that I exclusively use my XXXX XXXX  there and never my Chase Sapphire card ( and a copy of all XXXX transactions for the month of XXXX from my rewards account ).

Chase has not provided any reasoning as to why they are denying these fraud claims. They have not asked me for any specific proof beyond what I've sent, and have not shed any light as to why they would approve the XXXX charge but not the XXXX charge. I have called them on the phone on numerous occasions in which they assured me they were looking into it, only to receive a letter saying it was 'thoroughly investigated ' without any explanation or description of what those investigations entailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These creditors were removed from my experian, and transunion accounts because they couldnt prove the debt was ever mines but somehow remains on my XXXX and i dont understand how its proven to them and not the other two bureaus : XXXX account resolutions Account resolution corp Wakefield and associates I never heard nor have i ever received notification of debt from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account info XXXX  XXXX XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage I spoke with the VP of Operations with XXXX XXXXf XXXX XXXX  XXXX XXXX She informed me that the Late Payment would cease to be reported as I was in the hospital. XXXX XXXX told me payment history was updated with NO LATE PAYMENTS. 

XXXX This is not my account Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Mortgage Late Payments 13 Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone # : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX Phone # : XXXX This account is not my account. 

XXXX XXXX : NOT MY ACCOUNT : XXXX XXXX {$800.00} XX/XX/XXXX TransUnion XXXX XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Account No. 
XXXX Balance details 0 % paid off Balance {$800.00} Balance updated XXXX XXXX, XXXX Original balance {$800.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$800.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Payment summary XXXX Original Creditor XXXX XXXX IN XXXX IN. 
Responsibility Individual Individual Condition Derogatory Derogatory Original Balance {$800.00} {$800.00} Balance {$800.00} {$800.00} Date Opened XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX Remarks Placed for collection I contacted XXXX XXXX and they told me that this account would be deleted. It is not my account. This is for insurance on a XXXX XXXX. I have never owned a 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