BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The credit Bureaus never did a proper " investigation '' according to FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on with whom he is acquainted or who may have knowledge concerning any such items of information. 
they did not do such thing. 
Also, they have violated my rights even more in accordance with the fair credit reporting act everything has to be 100 % accurate on the credit report. 
the credit bureaus stated my account was property investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate an the date last reported is not accurate .this grounds for removal

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 2022-06-30
Company: EAST WEST BANK
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am reopening complaint number : XXXX To shed more light on this Scam and EAST-WEST involvement. Please see Attached invoices and wire receipts for XXXX XXXX Beneficiary : XXXX XXXX ( XXXX ) XXXX which is a client of EAST-WEST Bank . Sent to this Account Beneficiary twice on XX/XX/2022, and XX/XX/2022 The invoices were Addressed to my XXXX XXXX XXXX XXXX. The first wire was from XXXX XXXX XXXX from his company XXXX XXXX XXXX XXXX in the amount of $ XXXXSee Attached Legitimate wire transfer receipt The second invoice was sent from XXXX XXXX  XXXX XXXX from XXXX XXXX XXXX XXXX amount of {$28000.00}. See attached legitimate wire transfer receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX settle agreement with Westlake Financial services on XX/XX/2022 at XXXX we agree on XXXX XXXX dollars to close out my account and I don't own anything else and they told me they will remove this account OFF All 3 of my credit report And email me a pay to delete LETTER, and I haven't received any response are nothing

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 2022-09-21
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX, M & T Bank erroneously posted a cash withdrawal made to my account made by another customer in the amount of {$1300.00}. Despite numerous contacts and visits, they continue to break promises over times to get the reversal posted and I am denied access to my rightful funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
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 received an alert from XXXX that my credit had been pulled for three separate credit card companies : XXXX, Capital One, and XXXX  XXXX XXXX. 
I have not applied for any credit cards at any of these companies. 

XXXX and XXXX  XXXX XXXX were incredibly helpful and submitted a fraud claim and denied the fraudulent application. 
Capital One on the other hand was extremely unhelpful. I was told that with out account information, of which I do not have because I do not have an account and did not apply for one, they could not help me. I was refused to be transferred to their fraud department to try to deal with this matter on my own and have the application denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
on XX/XX/2022 I requested an investigation for my credit report because I seen some items reporting that I had no knowledge of. Then I noticed the inaccuracy of these accounts in which I wanted validation for them. 
XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX These accounts appear to all be closed with derogatory remarks. The information provided by each creditor can not be verified because the account numbers are incomplete.

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 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Addresses and employers that I have not been associated with and do not recognize need to be removed : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-08
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank with PNC, at XXXX XXXX XXXX  XXXX XXXX Ca XXXX, Fraud Contact number for PNC XXXX on XX/XX/22 I logged into my on line banking to pay bills and transfer funds from one account to my checking account, my account that i use as personal savings was missing over {$4000.00}. It showed that a check for {$4000.00} cleared out of my account on XX/XX/22, when i opened the cleared check, it was a check from a woman named XXXX XXXX XXXX, where she wrote a check to herself for {$4000.00}, I call the bank the next day thinking it was a teller error, for i don't have checks on this account and I am not XXXX XXXX XXXX, the bank later called me said i was a victium of Fraud, someone made this check. The bank closed my account, open another. I went in to the bank the following day to follow up on the process, what to do next, I filed a police report. The bank manager gave me very little information, just that investigation take 120 days and that I will not have access to my money until they are done. I can't pay my bills, I can't get a hold of the Fraud Department to get a update, they provided me a fraud department phone number that only take voicemails and no one calls me back. I have taken the rest of my money out that bank, went to another bank, did not want to loose anymore money, I am having difficulty paying my bills, and have no communication with what is going on, or what the hold up is on this investigation. The bank manager was rude as I was insisting more info, says that Fraud department is taking care of it, the Fraud Department that I can't reach a person. I tried to contact Corporate, there is no contact number for them, only a customer service number, which i called all they did was noted my file. It has been 1 week, I don't have access to my money, I don't have contact person to follow up on, I feel doubly violated, want clear time line, expectation and status of my Fraud Claim. {$4000.00} is lot of money to with hold from a consumer with no contact person to have communication on status. Please help, i need a voice. Police Report Fraud # XXXX with XXXX XXXX from XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a Sam 's Store Credit Card issued by Synchrony Bank for several years. I attempted to cancel it last year after not using the card for many months. The Bank ignored my attempts to cancel the card, and I called numerous times and finally reached a Bank person who canceled my account. I received a letter confirming the closed account and XXXX balance in XXXX 2023. However, since then I have received monthly bills assessing late fees and additional interest, as well as weekly letters demanding payment. I have a six page letter documenting all of this. The Bank has not responded. I think this a policy of the Bank to generate more revenue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-06-08
Company: World Omni Financial Corp.
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:
The reason for this letter it to dispute 1 unauthorized inquiry on my credit report. On XX/XX/XXXX I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. Because I did not apply for credit with Southeast Toyota Finance. The inquiry was done on XX/XX/XXXX. I have also reached out asking that they remove the inquiries from my credit profile. Please launch an investigation into the creditor inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if any creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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:
I sent a letter on XX/XX/2022 to the 3 Credit Bureaus to remove these erroneous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX and this Fraudulent Accounts : XXXX XXXX  XXXX BALANCE : {$0.00}, XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX BALANCE : {$0.00}, and US BKPT CT CA XXXX XXXX  XXXX Amount XXXX {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again.

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 2022-07-28
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: IN
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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

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 2022-09-21
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:
I sent the company my dispute on { XX/XX/22 }, which they received and investigated on but there was no corrections made and the documents I requested in regards to their investigative process was not provided. I have reason to believe that they conducted a reasonable investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to AGAIN ask that they provide me with the following information : 1. The date you contacted each creditor 2. The contact information for each creditor 3. The name of the person who verified the items to you 4. The method of communication you used to verify this information 5. Did the creditors provide you with my SSN, address, and Date of Birth? 
I demand to see verifiable proof ( an original consumer contract with my signature on it ) they have on file of the accounts listed on the dispute. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed on the dispute.

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 2022-04-25
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
From XX/XX/2021 until XX/XX/2021 I was a client of Lexington Law and paid them a monthly fee to help improve my credit and get things removed from my reports. However, during that tenure I had one or so items removed from my report even though I had multiple hits on my credit score due to things that have already been paid in full and should have been very easy to get off my reports. Unfortunately, that was not the case and I requested feedback on why certain things were not being removed and what was causing it and the Lexington Law staff member informed me that I was the problem and somehow it was my fault they could not get things off my credit. I was extremely taken back and then asked to be removed because I expected them to be the experts and it seemed like they did not care about my actual success in the program as long as I paid. Not only did the women disrespect me verbally she refused to close my account and attempted to continue charging me and demanding I owed them. I had to call back and speak to someone else to request cancellation of the program. I then saw a decline of over XXXX points in my credit score as soon as I left the program. This was done maliciously with the intent to destroy my credit in order for me to sign back up with the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-06-08
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an Apple Card under my phone XXXX XXXX XXXX and was denied It never provided a reason, it just said that I was ineligible. The exact same same day I applied with my business phone, different XXXX XXXX and different phone number and was approved. I wanted to switch XXXX XXXXs because I condensed phones and now only have one. I called the customer service number and was told that if I wanted to switch phones with my card that I would have to close the one account, where they have already ran credit and caused an inquiry, and open another which would result in another inquiry. The excuse that I Received first was that my info could not be verified. I uploaded my id, front and back and was approved. Nobody seems to know what is going on at XXXX or Goldman Sachs and the customer service number is of no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: MI
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:
on. for 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 ONLINE INFORMATION SERVI : OPENED XXXX XXXX, 2021 OPEN BALANCE {$310.00} ORIGINAL CREDITOR NAME XXXX XXXX XXXX XXXX 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

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