BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2022-10-06
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX I have contacted Marcus XXXX  by Goldman Sachs to find out my savings account details for a wire transfer. I have done this by logging in to my account at marcus.com website and using the chat system on the website. 

The chat agent gave me the following details for the wire transfer to my account : Account number : XXXX. 
Bank name and address : Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX, Utah XXXX. 

My sister has transferred XXXX XXXX USD to the above mentioned details on the same day ( wire confirmation attached ) from her account with XXXX XXXX XXXX 

I have started to check my account every few hours after that but haven't seen the transfer. I contacted Marcus XXXX  numerous times to find out why the money is not being credited. At first, Marcus XXXX  told me that the funds haven't arrived yet. Then they told me that the transfer has been rejected. Then they told me that the transfer has never been received. 

I asked several times to provide any form of confirmation that the transfer hasn't arrived or was rejected/ sent back to XXXX XXXX XXXX Marcus XXXX  refused without explaining the reason. Today is XX/XX/2022 and I still can't get any information from Marcus XXXX. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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: Account status incorrect

Complaint:
This is a follow up to a previous complaint ( # XXXX ) that was opened, which the company made false and inaccurate statements in their response that now need to be resolved. Please see the previous complaint if additional context is needed. 

On XX/XX/XXXX, XXXX responded to complaint # XXXX, with several untruthful comments regarding previous communication from XXXX representatives. In their response, they wrote such things as " The email noted that this could take a minimum of 30 days to be reflected on XXXX XXXX 's credit report '' when in reality the email they are speaking of states " Please allow 3-5 days for this to update on your Experian Credit Report. '' They did however the next day in a new message make a different statement claiming to need 30 days to resolve the false reporting to the credit bureau. It has now been 30 days and they still have not removed the false information they knowingly reported to the CRA. 

Also in their response dated XX/XX/XXXX, the representative stated " At this time, XXXX would also like to confirm with XXXX XXXX the tradeline is in the process of being removed from his Experian report. '' This statement is a blatant lie, since the very next day ( XX/XX/XXXX ) they responded to the disputed I initiated with Experian validating the account including its status and balance as accurate. I have since made several attempts to contact XXXX which went unanswered, so today I attempted to reach someone over the phone. When I got through I asked to be transferred to a supervisor and spoke with XXXX and later with XXXX. Both bluntly acknowledge the company had lied in their response, as well as each and every time they committed to removing the trader line from my CR. They then told me that there was nothing else anyone was planning to do and that I just needed to live with the negative information on my CR. I was left astounded by XXXX 's arrogant, " we're above the law '' attitude.

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 2016-01-27
Company: Ability Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Ability Recovery Service XXXX has called me far too many times that it is bordering on harassment and they refuse to listen to any explanation I give them because all of my student loans are in repayment plans. However they Say that they represent XXXX for a repayment of a loan that is in a repayment plan, and every time they call me they are rude and unwilling to accept the truth and their calls end with threats and an abrupt hanging up on me. And I have Explained to them many times that my student loans are in repayment plans but they refuse to listen to that or accept it - they say I am playing games and then threaten legal lawsuits. And, I do n't know why they have this but I have heard that this company buys accounts that have passed the Statute of Limitations in order to make false claims in order to make people believe that money is owed and collect money that is not owed under false pretenses. In Addition I am not even sure what loan they are talking about because they do not specify the debt type or the amount all thy said is that they had this since XXXX of 2015 and my student loans have been in repayment plans long before this time, so something is not right about this company because of the claims they make and the harassment and threats because a Professional or legitimate business would not harass or threaten people and they would be willing to listen to you instead of dismissing anything you say as excuses, lies, or games, and I have spoken with XXXX before a they said that Ability Recovery Service is not a company the school uses because they have their own service for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Credit One LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never owed this company nor did I sign anything for them to try to collect this debt. This company creditone llc is reporting a debt that another company has reported thus doubling the amount that is being reported on my credit report causing it to drop my score and create financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: Ability Recovery Services, LLC
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company keeps calling my phone using a auto-dialer which is against federal law and when you pick up they hang up. This has happened numerous times, and I have record that these people keep calling. I am tired of the harassment and repeated calls from auto-dialer with this company. When you call back, they always say its a mechanical issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Dear Sir/Madam, I am writing in hopes to resolve a particular dispute with Scottrade Bank and their affiliates collectively referred to as Scottrade. 

Scottrade maintains that I should file arbitration against them for the purposes of resolving a customer dispute, however, neither Scottrade Bank nor Scottrade XXXX have confirmed the existence of a valid arbitration agreement and has refused to answer any of my inquiries for details. 

I am writing this letter to address a very specific issue. Specifically, I would like a copy of the full " consumer contracts '' that were formerly signed in order to open a Scottrade Bank and Scottrade XXXX account. 

Please be advised that I previously requested this information from Scottrade Bank and Scottrade XXXX but was not supplied with an original account agreement. I signed up for the accounts in XXXX, however, Scottrade Bank and Scottrade XXXX provided me with an unsigned copy of a " consumer contract '' that had numerous revisions from the XXXX version of the contract. 

The contracts Scottrade Bank and Scottrade XXXX use have " tracking numbers '' in the bottom left margin of the page that indicate the year and date. Therefore, I am kindly requesting Scottrade Bank and Scottrade XXXX provide me with the corresponding and original XXXX version of the sign contract and not a XXXX version that is materially different.

Company response to consumer: Closed
Consumer complaint received 2016-03-16
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving frequent calls from CommonWealth Financial Systems. Though initially I was unsure of who the caller was because I typically do not answer unknown numbers, one evening I decided to call back in an effort to halt future calls. Once on the phone with someone, they immediately informed me of a medical debt from 2012 that was never paid. I knew this was true, so when they offered me a price to close my debt out at, I agreed. I also requested a confirmation letter so I could have proof of closing out my debt, to which the lady I was speaking with agreed to provide for me. However, instead of sending me confirmation, she sent me an additional bill regarding other accounts I have with them. The problem is that I was led to believe that the large payment I made over the phone was going to close out my debt to them entirely, now they are telling me I still owe them. I never received a confirmation letter in the mail listing the payment I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: Empowerment Ventures, LLC
State: TN
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have been a costumer with Rushcard since 2008, no problems at all. Until they did this system update. My balance on my account is wrong, I have called emailed no response back, until the other day I called from a different line and I waited on hold for a minute and then the lady proceeds to tell me that they do n't know when the issue will be fixed, that they are working on it. You have been working on it for almost 2 weeks. Luckily I was n't late on any bills like others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-22
Company: Jon Barry and Associates, Inc.
State: NC
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 to Paragon revenue group asking them to validate these  XXXX  medical bills of {$280.00} and  XXXX  that are not my debts. I have heard nothing back from them. It 's been 30 days. The  XXXX  for {$75.00} was opened on  XXXX   XXXX ,  XXXX . The other {$280.00} opened up on  XXXX ,  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: MN
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 a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: SQUARETWO FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was turned down for a loan, because my credit report shows a collection filed by CACH LLC, Showing XXXX ITS A as the original creditor. It shows the account opened XX/XX/XXXX. I have never had an account with XXXX and have been unable to speak to anyone at CACH Regarding this account, because I am put on hold for inordinate amounts of time, and never get to speak to a live person. Its interesting to me that an account could even have been open with XXXX Bank XX/XX/XXXX, considering that XXXX stopped operations XX/XX/XXXX. I can not get live person by phone to verify the debt with CACH LLC, and XXXX Bank tells me they do not have access to the records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-06
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted FTC report and numerus letters and phone calls in attempts to remove in accurate account off my credit report. TransUnion stated that my account was properly investigated, TransUnion never did a proper INVESTIGATION according the FCRA. And also, how is it possible when the other bureaus investigated the same item and removed them. 
And in accordance with the Fair Credit Reporting act XXXX XXXX XXXX. # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I also address incorrect inquiries on my report that they have yet to remove. 
XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2016-05-07
Company: NRA Group, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit report and found that I had an account in collections that I did not recognize. I looked into the company that the debt was owed to and did not recall ever doing business with them. After seeing this, I looked further into this company and came across multiple complaints about this company falsifying amounts owed to the company from customers. A vast amount of people had complaints about this because, unbeknown to their knowledge, they were having the accounts sent to collections, which in return, was affecting their credit score. I have never been contacted in anyway about this debt by neither the company or the debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, hope you're doing great! I'm reaching out about a scam through XXXX a couple of weeks ago. 

My wife was scammed to transfer {$300.00} which she sent through the XXXX XXXX. 

We called Chase ASAP and they said that they money was as good as sent without even making an attempt to see the bank the money was sent to. We have the name ( or username ) of the person - still they said nothing could be done. 

We have evidence that this was a scam that can be shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Hillcrest Davidson & Associates
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On XXXX XXXX, 2016 after a long day at work, I received a notice in the mail from ( Hillcrest Davidson & Associates, XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ) ( phone # XXXX ) a debt collection notice, I was unaware of this bill so I made a phone call and a person on the phone name ( XXXX ) this took place around XXXXXXXXXXXX, after he told me the bill was from ADT I recall having the alarm system put in. I continue to tell him the bad experience we had with XXXX, and I also mention that it is noway that I could pay this amount of {$1300.00} I asked him was it anything that could be done to resolve this, because my husband had XXXX back in XXXX and has been out of work for a long period of time and we had just XXXX income coming. He began to go and tell me with what he was reviewing my credit that I had money to pay it, because of the credit cards I got, I told him I did n't know what he was talking about, and continue to tell me my history with XXXX at this time I was getting a little furious with him. During the conversation he made a statement which I took very personal and for him to be a customer representative on the company behalf it was very unprofessional. He stated that, " people like you need to pay your bills '', and " we all know what its call for people like you that do n't want to pay your bills '' as I can recall this " section 1692D '' ( 2 ) prohibits the use of obscene, profane, or abusive language. Abusive language includes religious slurs, profanity, obscenity, calling the consumer a liar or a deadbeat, and the use of racial or sexual epithets. Which I took very personal and offensive. 
It 's nothing wrong with being contacted regarding a debt you owe. But to be so rude, I ask numerous of time, are you sure this phone call is being recorded. There should be a recording of this I would like to formely file a complaint against this person because he has no right to express his personal opinions and to be make racial remarks stating " YOU PEOPLE '' totally unfair in my opinion.

Company response to consumer: Closed with explanation