BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-28
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$3200.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 filed a dispute with XXXX in regards to XXXX bankruptcys reporting on my public record, so they started an investigation they removed one stated that it was verified inaccurate, then the second one they stated was verified and that is totally incorrect, the issue is the XXXX reporting XXXX for 2018 thats inaccurate I never filed bankruptcy before. So I contacted the courts myself to verify the accuracy of this. And they stated that they put in my information and there is no record of a bankruptcy filing under my name or social.

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 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was getting phone calls from a debt collector and now I looked at my credit report and there is an address in another state I never lived in and is not me .A charge card owes XXXX that I never took out. The adverse account on the charge card has the same date as the date phony address was reported. I need this off my report as evidently it a a case of fraud.

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 2022-04-08
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I tried to transfer {$30000.00} from my Marcus by Goldman Sachs savings account, via XXXX to a bank where I have a checking account ( XXXX XXXX XXXX  ). 

On XX/XX/XXXX I logged into my Marcus account to find out that the transfer had been reversed. 

I then called Marcus  to find out why the reversal happened, and over the course of XXXX hours, much of it involving a three-way conversation with a representative from XXXX XXXX XXXX ( where I was trying to transfer the {$30000.00} ), I was told by Marcus, that the transaction was reversed because of XXXX  XXXX. 

The representative from XXXX XXXX Bank told the Marcus representative that XXXX XXXX had no record of any transaction request from Marcus. In fact, on the day that the transaction reversal happened ( XX/XX/XXXX ) there was no one in the department at XXXX XXXX to initiate a reversal - because it was a Saturday. 

During the course of four hours involving four conversations with Marcus  representatives, each Marcus representative, including a supervisor, insisted that Marcus always places a code to indicate why a transaction was reversed. But they had no code, or reason listed, for the transfer reversal. Because there was no code given, Marcus representatives- including a supervisor and specialist- said the fault for the transaction reversal was XXXX XXXX 's. 

I should also mention that three times Marcus representatives hung up - each time the same representative from XXXX XXXX remained on the phone line with me. 

In summation, it seems as if Marcus by Goldman Sachs is refusing to admit any error in the reversal of the initial transfer ( XX/XX/XXXX ). 

I should also mention that on XX/XX/XXXX I did ask for a wire transfer - and a Marcus representative expedited that transfer, but I was charged {$16.00} for it. Marcus refused to pay the {$16.00} fee. And Marcus kept on insisting they bore no fault for the earlier transfer reversal of XX/XX/XXXX. 

I am left wondering how can Marcus claim no responsibility for the transfer reversal when XXXX XXXX clearly stated they never received the transfer request, and that no one at XXXX XXXX was in the office to even consider a reversal on the day the reversal was made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: CA
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:
n accordance with the Fair Credit Reporting act XXXX Accounts : 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 my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I paid my Chase Amazon credit card in total on XXXX XXXX and they charged me interest XXXX. I called and asked for them to drop the interest charge since the credit card bill was paid in full and I have XXXX credit cards with Chase. 

They refused - how are customers supposed to feel they are financial paid off if the credit card companies continue to bill them interest. I have not used that card since I paid if off

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from 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 2022-04-08
Company: Experian Information Solutions 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 Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
The did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, The did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything hs to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active i inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 renortinoadency can not furnish a account without mv 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 explanation
Consumer complaint received 2022-09-01
Company: DISCOVER BANK
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Discover closed my account without an explanation and has been unhelpful since I opened the account. From holding my checks to not letting me deposit money from my XXXX. Also customer service was not helpful at all every conversation with them amounted to this bad thing is happening to you and there's nothing I or you can do about it. I would at the very least like an explanation Routing number : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This Complaint is intended to address the ever-escalating obfuscations by Professional Debt Mediation regarding the failure of both t he Collection Agency  itself and  XXXX   XXXX   XXXX  to comply with either Federal Law or Florida Statutes in the handling of the debt assigned to the Agency by the Creditor, as the very fact of the fraudulent notice of intent to make a claim on my deposit -- sent via Certified Mail on  X/XX/2016   , more th an two mont hs after the debt had been submitted to the Credit Reporting Agencies and quite obviously intercepted by the Creditor itself ( similarly a violation of Federal Law ) in an effort to prevent me from obtaining proof of its fraudulence, or the notice would have been forwarded to me as required by my change of address Confirmation -- is a clear indication that the Creditor was keenly aware that the concepts of " abandonment '' and " vacating '' cited by Professional Debt Mediation do not apply when the Courts have evicted a tenant and ordered the loc al Sheriff 's Office  to take possession of an apartment on behalf of a landlord ( see attachments ), leaving the Creditor fully obligated to comply with the notification via Certified Mail requirement specified in Florida Statut e 83.49 ( 3 ) ( a ), r egardless of whether or not the Creditor was provided with a forwarding address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX XXXX XXXX XXXX  This account was deleted form my credit file on XXXX XXXX do to reporting inaccurate information. Now you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) .This item was deleted and reinserted without notifying me 5 business days after and certifying that the items was validated properly. I demand this account be deleted from my credit file or I will seek litigation. Violations According to the CFPB : 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) : ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion 15 U.S. Code 1692c ( a ) : ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I enclosed attachments providing proof that this inaccurate account was deleted on XXXX XXXX. So as you see my rights are being violated in so many ways according to the Consumer Financial Protection Bureau ( CFPB ), by this inaccurate account being deleted and then reinserted back on my credit file. This is causing tremendous stress and preventing me from getting new job opportunities to better my family life which is not fair.

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 2023-07-24
Company: EQUIFAX, INC.
State: LA
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.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid-off my installment loan on  XXXX / XXXX / 17 .  Prosper  does not want to give me a pay-off statement. Please help me. Thanks  Loan  #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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:
THIS ACCOUNT IS A RESULT OF IDENTITY THEFT DUE TO AN XXXX CREDIT BREECH.THIS SPRINT ACCOUNT WAS DISPUTED AND REMOVED BY EXPERIAN ON XX/XX/2021 XXXX XXXX ( XXXX  ) FOR THE AMOUNT {$2100.00}. 

EXPERIAN HAS ONCE AGAIN PLACED THIS FRAUDULENT TRANSACTION ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX ) FOR {$2100.00}. 
Account number 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 2022-09-01
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:
XXXX XXXX credit card representative promised that if I settled both accounts, that they would delete the account entirely from my credit report. Due to COVID-19 ramifications, it was very hard to come up with that money. XXXX XXXX did not keep their promise which they proposed as the accounts are still there.

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 2022-09-01
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: Information belongs to someone else

Complaint:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and TransUnion all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over XXXX points. This company ( XXXX  ) has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.

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 2022-09-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My social security number was ran without my consent resulting in inquiry on my credit report and file. This is a fraud inquiry and i want it removed.

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 2020-03-24
Company: EQUIFAX, INC.
State: AR
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:
Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard of in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Prequalified for a mortgage and rate locked in at 2.87 % for a 5 year ARM. 
Bank of America has caused innumerable delays in loan processing ; lost documents, me resubmitting the same thing over and over, " just one more thing ''. 
Now two weeks before closing the say they wo n't approve me for the 5 year arm, just a 7 year arm at a XXXX percent, a 0.35 % rate increase. They say my income, which I have been honest about through the whole process, is suddenly too low, so they are making the payment higher. 
It is a racket. I want them to refund the mortgage appraisal fee which I paid RELYING UPON the original " truth in lending '' statement. 
What good is a " truth in lending '' statement or a rate lock if the bank can just ignore them at the final hour. It is extortion. I spent money on an appraisal based on their original disclosures and I want them to either honor their original rate lock or refund the money I outlaid, {$460.00}, because I was relying on them honoring their end of the agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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 paid my collections with the understanding that all the derogatory marks would be removed and none of it would show on my report. They are still showing and its hurting my credit score. I honored my agreement and I would like them to honor their part.

Company response to consumer: Closed with explanation