BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: LEXISNEXIS
State: MD
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:
Hello, I sent several complaints out about bankruptcies being on my credit report. XXXX # XXXX and # XXXX was obtained through the XXXX Report which is against consumer law 15 U.S.C 1681a ( e ). 
# XXXX was removed from my LexisNexis Report on XX/XX/2022 that came back as unverifiable but also stated in same letter that # XXXX was verified? How is that when the bankruptcy courts don't furnish that information and I never gave permission per 15 U.S.C 1681 Section 604 A Section 2 to LexisNexis to provide my XXXX  report to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

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 2019-07-17
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: Account status incorrect

Complaint:
My credit report shows a late payment made for XX/XX/2019 with XXXX XXXX. I made my payment timely in XX/XX/XXXX, and I have attached the mortgage information to confirm that I made the payment timely. I am in the process of refinancing with another company and this inaccurate information has had a negative impact on my score.

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 2023-05-08
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was alerted about a credit check on XX/XX/23 about someone attempting to open a Discover Credit Card using my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: CAPITAL ONE 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to this complaint against CAPITAL ONE to inform you that I am a victim of identity theft. I recently learned that someone used my personal information to request to open an account with their company. I did not authorize those inquiries, and therefore I request that these fraudulent deletions be removed. I also request that your company absolve me of any charges attributed to such a request or that it is the result of this credit request, and that you take all necessary steps to remove from my credit records information related to this unauthorized inquiry by me. 

I am attaching a copy of a Police Report where my position is based, and a copy of my credit report that contains the fraudulent items related to your company resulting from the theft of my identity. In addition, I am attaching a copy of the FTC 's Notice to Information Providers detailing the obligations that must be observed by your company as a provider  of information to credit reporting companies ( CRAs ). As an information provider, upon receiving a written request from a consumer attaching an Identity Theft Report, your company must stop providing the information resulting from identity theft to any credit reporting company ( XXXX ). 

Under the Fair Credit Reporting Act, must be removed. 
CAPITAL ONE DATE XXXX CAPITAL ONE DATE : XXXX CAPITAL ONE DATE : XXXX This notice also specifies the obligations set forth in Section 605B of the Fair Credit Reporting Act that your company must comply with when you receive a notice from a credit reporting company ( CRA ) stating that the information you provided to the credit reporting company Credit reports can be the result of identity theft. Such obligations include ceasing to supply inaccurate information to any credit reporting company ( CRA ) and taking the necessary steps to prevent the sale or transfer of fraudulent debts to a third party for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: The Outsource Group, 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: Their investigation did not fix an error on your report

Complaint:
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX . Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2020-09-22
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My Marcus saving account was locked on XX/XX/2023 when I tried to transfer money from Marcus to my XXXX account under my name. I have been using the Marcus saving for XXXX months and have made several transfers to Marcus saving. I have a total of XXXX in the saving account. It is not my responsibility to verify one of my financial institutions- when I link the XXXX account to Marcus or when I transfer money in Marcus, they should have verified my identity. 

I tried to contact Marcus multiple times during the past one month but until today, I still didn't receive the identify verification letter which is the first step to unlock my account. 

I made my first phone call to Marcus on XX/XX/2023. They refused to tell me why my account is locked. 

On XX/XX/2023, I called Marcus, they refused to tell me why my account is locked. They said they would send the affidavit of identity ( the letter to verify my identity ) will be sent out in 5 business days. 

On XX/XX/2023, I called again, they said the affidavit of identity is pending approval, which may take 1-3 business days. 

On XX/XX/2023, I called one more time, after letting me wait for 56 minutes in total, they said the letter is waiting the approval of support team, which will take 5 more business days. 

Today is XX/XX/2023, I still didn't receive the letter to prove my identity. Marcus said they still need 3 more business days to send me the identity verification letter. 

This is just the very first step to unlock my account, which already takes XXXX month. I want to unlock my account ASAP, get my money back, and close the Marcus account permanently because of the experiences above. I've attached all my contact records with Marcus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: DISCOVER BANK
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone opened a discover credit card in my name fraudulently. XXXX is still reporting this account. This is in direct violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: CAVALRY INVESTMENTS, LLC
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:
I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: WA
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've sent dispute letter to dispute incorrect and fraudulent information and they're still not deleted from my credit report files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: SYNCHRONY FINANCIAL
State: CA
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:
I XX/XX/2018 I purchased furniture from XXXX XXXX. The furniture was put on my XXXX synchrony bank credit card and the rest of the amount which was the delivery and the tax was put on my XXXXl XXXX card my XXXX XXXX XXXX. I started thinking about it and called the merchant and called the credit card companies to find out that I am being charged right now for those items Im being charged for the delivery and the tax charged for the items when I do not have the items in my possession because they are on back order and I will probably not get them for two months. I would like to know how this is a legal procedure for a company to do and for credit card companies to approve this type of transaction when a consumer is charge for an item that they do not even have in their possession it has not been delivered to me yet and therefore I am not only paying for the item by am paying the tax and the delivery charge on an item that has not even been delivered to me and will not be delivered for two months I want to report this ass consumer fraud because I dont know what else to call it and I dont know what else to do about it.

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 2023-05-09
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened this card on XX/XX/XXXX and started making purchases on XX/XX/XXXX. I made over {$2000.00} of purchases in the first 60 days of account opening but I didn't not get the promotional points offer. The credit card company says I didn't meet the terms and conditions but I feel that they should give me the credit for the promotion points offer of XXXX. I have paid an annual fee and should get the points offer. 

Also, I have not received the 50 % travel voucher for my companion as of yet and I believe I only have a certain amount of time to use that and so I want to make sure I receive that as well.

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 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 wont hesitate to take legal action against YOUR COMPANY A consumer agent who used to work there told me you guys dont care and never take time to provide proof and never report accurate information AFFIDAVIT OF TRUTH Consumer Enforcement as Administrative Counter-Claim by Private Right of Action Notice to all, I am that I am, the consumer in fact, natural person, original creditor, Ender , executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, Consumer XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 
Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 
Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 
Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 U.S.C. 1692 ( G ) On the date of 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 2020-07-22
Company: SYNCHRONY FINANCIAL
State: TX
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:
Hello, I have reached out to XXXX  to dispute inquiries on my report that were not authorized by myself. I sent a letter certified mail on XX/XX/XXXX. 

After 3 weeks of not hearing from them on status of my dispute on these inquiries, I decided to call and inquire on the status of these disputes. 

They advised that they could not remove these inquiries although I confirmed with them that they were fraud and clearly my profile is being accessed without my knowledgede or authorization. 

In an attempt to obtain a letter of deletion from the creditors : Syncb/paypal XX/XX/XXXX ( SYNCHRONY BANK CONFIRMED SUBMISSION FOR DELETION to CREDIT BUREAU ) XXXX XX/XX/XXXX ( REMOVED DUE TO FRAUD ) Syncb XX/XX/XXXX XXXX SYNCHRONY BANK CAN NOT LOCATE THIS INQUIRY BECAUSE IT DOES NOT LIST THE MERCHANT NAME. I ASKED XXXX  TO PROVIDE THE MERCHANT NAME SO THAT SYNCHRONY BANK CAN FURTHER ASSIST. XXXX  DOES NOT HAVE ANY OTHER INFORMATION ON WHO ACCESSED MY FILE, OTHER THAN IT SAYING " SYNCB '' ) Syncb XX/XX/XXXX ( REMOVED DUE TO FRAUD ) Synvs/XXXX XX/XX/XXXX ( REMAINS ON REPORT - THIS IS FRAUD AND I DON'T KNOW WHO THIS CREDITOR IS. ) XXXX XX/XX/XXXX. ( THIS IS FRAUD ) In an attempt to better protect my private information, I have since place a fraud alert on my account and locked my files with XXXX. By end of month, I plan to have credit file locked with all three credit bureaus. 

Please help XXXX  resolve these issues as I am not getting anywhere with them. 

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 2020-06-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I was scammed for XXXX dollars and the back does not want to get me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous inquiry reporting on my Credit Report : XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 2017-12-15
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: Public record information inaccurate

Complaint:
I called 3 credit bureaus to remove negative report from my public record but they didnt respond me it shoes bankruptcy on my public recort on my credit report back in 2014 they told me they gon na remove it becouse is too old not current and need to be removed please help me to remove im trying to by a house its hurting me cant go forward to grow up Thanks

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 2023-02-21
Company: Experian Information Solutions 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:
This is my fourth 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
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:
I do not consent to nor benefit from the furnishing of these unauthorized entries on my credit file. Pursuant to the Fair credit Reporting Act ( FCRA ) 15 U.S.Code 1681b its my consumer right to have these entries removed from my credit file. Block and remove these entries pursuant to 15 U.S. Code 1681c-2. Failure to comply is civil and criminal non compliance pursuant to 15 U.S. Code 1681n-o.

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