BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
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:
The account in question is a private student loan debt originally serviced by XXXX XXXX and given to XXXX, then purchased by the XXXX DOE to the best of my knowledge. The amount is {$28000.00}, and was purchased by the XXXX DOE in XXXX. I never paid this account, as I was still in XXXX study, yet it showed payments current up until the summer of XXXX. The account was closed in XXXX, and reflected a delinquency on my credit report. I consolidated my loans when I went to graduate school in XXXX. I think that information may have been used against me to keep the account open and delinquent. My other loans that were included in the consolidation were not taken off my credit report, but they should be coming off in XXXX of XXXX. Albeit XXXX XXXX too late, at least they're finally coming off. The account I'm reaching out about is supposed to come off in XXXX of XXXX. I've disputed these accounts multiple times after consolidating my loans to no avail. My credit report reflects a poor payment history despite not missing a payment in years and having no delinquencies in over XXXX and a half years. This has adversely affected my credit report with inaccurate information for years, and I'm not sure how to dispute it so that it comes off. I was recommended to you by TransUnion. It has costed me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and has unnecessarily 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 2023-09-13
Company: Experian Information Solutions Inc.
State: TX
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:
11th REQUEST!!!!!! 

I received a hard copy of a letter dated XX/XX/XXXXXXXX  from XXXX XXXX XXXX ( Compliance Specialist ) from XXXX XXXX XXXX XXXX XXXX. Whereas they are reporting me being excessively late on my credit report several times, the letter ( on their letterhead ) states that I was ONLY LATE ( 2 ) times -- XX/XX/XXXXXXXX  and XX/XX/XXXX. I have written to and called your company several times ( each month since XX/XX/XXXXXXXX  ) to get this resolved and NOTHNG has been updated. This account ( although paid off now to avoid further reporting errors ) is still showing up on Experian and XXXX as a POTENTIALLY NEGATIVE status. I have pleaded with your company to investigate this matter and get this deleted ASAP!! Please note that XXXX XXXX has a history of reporting fraudulent information to their customers ' credit reports as publicly noted within their website reviews. In desperation, I even wrote the President of XXXX XXXX for assistance with no resolve, to date.

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 2023-01-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

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 2023-09-10
Company: LEXISNEXIS
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for home insurance with XXXX and was denied based on information LexisNexis Risk Solutions Consumer Center provided them on a file they maintain on me. I have on three occasions requested a copy of the file/information supplied to XXXX by LexisNexis, and all three times, they have denied my request. I have written them twice and completed their online application. As requested, I have provided them with my Texas driver 's license, social security information, full name, and date of birth. 

" LexisNexis response : Unfortunately, we are unable to authenticate your identity and therefore can not process your request. '' The information I submitted to XXXX for the home insurance is what I provided LexisNexis. How can they respond to XXXX and give a report but can not provide me, the consumer, with a copy of that information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions 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. 

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 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
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 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 2023-09-08
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told Experian, XXXX, and XXXX to reinvestigate these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However , they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify what isnt reporting correctly. 
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. 
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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
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: Was not notified of investigation status or results

Complaint:
I sent letters to the credit bureaus on XX/XX/XXXX but I still have not received a response. Due to Covid 19 I expect things to be delayed a little, but it has nearly been 2 months now. The bureaus are supposed to have 30 days to respond to me so they are clearly in the wrong at this point.

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
charged surprise overdraft fees on debit purchases and ATM withdrawals, was incorrectly and wrongfully charged monthly fees my money was unfairly frozen for weeks if Wells Fargo suspected a deposit was fraudulent.

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 2023-09-07
Company: Resurgent Capital Services L.P.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX account im a victim of identity theft..I was XXXX  the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from XXXX and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was XXXX XXXXthank you XXXX bless

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
The complaint is about fraud transactions out of my unemployment prepaid account with Bank of America. 

On XX/XX/XXXX. I went to the an atm branch of Bank of America at XXXX XXXX XXXX, XXXX XXXX, Ca and was trying to withdraw funds but was denied due to insufficient funds to my surprise cause when I checked my account a couple of days before, I had over {$2600.00} there. Then I checked my account online and it was showing I only had XXXX cents left on the account. Called Bank of America customer service and notified them that I saw 3 transactions on there that I did not authorize. The transactions I am disputing are withdrawals that was done on XX/XX/XXXX for {$1900.00}, XX/XX/XXXX for {$700.00} and XX/XX/XXXX for {$28.00}. They opened an investigation into the matter. I called a couple of days thereafter asking them of the progress and they told me it was denied because they said I authorized the transfer.Who in their right mind would even go into an ATM to try and withdraw funds if they knew they didn't have any to begin with. I asked them to send me details of the withdrawal as they couldn't tell me over the phone. They also told me to file a police report during this conversation in which I did for fraud and identity theft. I received a copy of the denial letter finally and a copy of the details of transaction I was asking for. I called them again to let them know the details of transaction did not include much info such as the recipient of the funds or a transaction id number. It just says, the amount and date and that it came from me. Once again I asked them to reopen the case and to send me more details of the transaction in question cause they couldn't tell me over the phone. To this date, I am still waiting for that letter. I have been cordial with My conversations with Bank of America Dispute Resolution Services but I feel like they are not willing to help me resolve this matter or even willing to help me get my money back. This is money from being unemployed for heavens sake! I have bills to pay and in need of this money to get by. I want to know what my rights are here or am I just screwed all together and out of {$2600.00}.

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 explanation
Consumer complaint received 2023-09-07
Company: Tromberg, Morris & Poulin, PLLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX and XXXX which is now known as Tromberg , Morris & Poulin , PLLC engages in predatory debt collection. 
The law firm initiates motions in court which drags me to court. Upon arriving at the courthouse, the security officers are at times aggressive and engage in unnecessary search procedures just to make sure that individuals like me are not a threat. 
After passing through the metal detectors and thoroughly being searched, the clerk and the attorney for the debt-collection agency work in tandem. For the past two instances that I have been in court, I was specifically profiled so that I was the last individual to be seen in the court conference room. This means that for the last two sessions in the civil court, I have waited at least three hours to be seen. 
To make things worse, the clerk was disrespectful and the court sessions were exhaustive due to the numerous number of people who showed up at the last two sessions. 
I have no idea what XXXX XXXX XXXX does but in this regard in conjunction with XXXX XXXX and XXXX, they create misery and havoc in consumers ' lives. 
These practices must come to an end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: SYNCHRONY FINANCIAL
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:
XXXX I received a copy of my credit report and I have found the following items listed below to be in direct violation of my consumer law under the provisions of the Fair Credit Reporting Act. These accounts are listed with late or missed payments and should be listed as PAYS or PAID AS AGREED. 
Account Name + Account Number Late payment reported on ( Month/Year ). Please update the account as Paid/Current My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. 
By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party.

Please send an updated copy of my credit report reflecting the requested changes. 
Thank you for your help with this matter, 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 2023-12-05
Company: OPTUM BANK, INC.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Optum Bank has reassigned mutual funds from an open XXXX account to a closed XXXX account where it can not be accessed. This is the second occurrence of this issue. It is happening without my knowledge or consent. 

I opened a new XXXX account with Optum Bank in XX/XX/XXXX due to a change in employment and a new health insurance plan. I had another XXXX account with Optum Bank through a previous employer, so I consolidated the accounts in XX/XX/XXXX. The assets in the investment account were transferred without liquidation and the old account was closed ( account closure confirmation email attached ). Between XXXX and XX/XX/XXXX, the investment assets were reassigned back to the closed account ( account statements attached showing a discrepancy between ending XXXX and beginning XXXX balance with no explanation ). I discovered the issue in XX/XX/XXXX and had the funds moved back to the open account after several calls to customer service ( XX/XX/XXXX account statement showing proper balances attached ). 

Between XXXX and XX/XX/XXXX the same issue reoccurred ( account statements attached showing a discrepancy between ending XXXX and beginning XXXX balance with no explanation ). I discovered the issue in XX/XX/XXXX and called customer service on XX/XX/XXXX to resolve it. I was promised the issue would be fixed within XXXX business days. XXXX weeks later the issue is not resolved. I called customer service again on XX/XX/XXXX and was unable to make any progress. 

Screenshot from online portal showing current balances attached. The first account with an investment balance is the account that has been closed since XX/XX/XXXX. The second account is open and should contain all funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Tuesday, XX/XX/XXXX at XXXX XXXX  I received a text message from the Chase Fraud Dept alerting me of a possible fraudulent charge that was made to my visa debit card. Upon checking it was noted that the charge was in fact fraudulent, I replied to the text message answering No, and followed up with a phone call to Chase fraud dept. After identifying that this was fraud, we located several charges from this company using three different names XXXX XXXX, XXXX XXXX XXXX, XXXX, for {$54.00} monthly from XXXX XXXX XX/XX/XXXX. We then filed a report with chase fraud dept and was given a file #. After further investigation we realized that the charges were from a company that we thought we were purchasing denial insurance but found out it was only a dental discount card. After finding out it was only a discount card we canceled on XX/XX/, just one month later after signing up. We were sent a cancellation email on that same day. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX and explained to the customer service that we were being fraudulently charged for services that were canceled in XXXX, I was told that she could see that the Services were canceled but could not refund the money. We disconnected with that representatives and called back to speak to a manager, we were then told they could only refund two months. 

Conclusion : Chase fraud department is refusing to refund our money when it was a clear case of fraudulent charges.

Company response to consumer: Closed with explanation