BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-05
Company: GOLDMAN SACHS BANK USA
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I traded in an old XXXX as part of an online purchase through XXXX and was told I would receive a trade-in refund of {$110.00}. The card I used in connection with this purchase was an Apple Card issued by Goldman Sachs. When I received a {$110.00} credit to my card on XX/XX/2022, this triggered an automatic " Daily Cash Adjustment '' debit of {$3.00} ( 3 % ) on my card because the transaction was coded as a " refund '' even though it is really a trade-in. I understand that this card features 3 % cash back on XXXX purchases, and that if those purchases are eventually returned, then Goldman Sachs needs to account for 3 % cash back as part of a return. However, this trade-in transaction is NOT a return, and I shouldn't have the " Daily Cash Adjustment '' deducted from my trade-in because I never received a corresponding Daily Cash reward in the first place. If XXXX would have had a different card on file for my trade-in, I would have received the full {$110.00} amount as part of my trade in. I repeatedly called XXXX/Goldman Sachs on XX/XX/2022 and was repeatedly passed to different departments at both companies and told I was wrong. Eventually, after escalating to a manager, I was told by the manager that I was indeed correct and that this Daily Cash Adjustment was made in error and that the underlying business logic being used for trade-ins at Apple Card is incorrect for this circumstance. However, the individual declined to issue a refund and instead indicated that a billing dispute would be initiated on my behalf and that they would follow up with me within a week. It is now XX/XX/2022 and there is no evidence of any resolution. I am frustrated about an absolutely terrible customer support experience and am upset that Apple Card is routinely, unfairly, and erroneously garnishing 3 % from every XXXX trade-in that takes place on an Apple Card. They are entitled to reconcile purchases/returns for cash rewards, but this makes no sense to apply to trade-ins, and the fact that I am only being charged this fee because I am using an Apple Card instead of another credit card is clear evidence of that fact. I am filing this complaint with CFPB because I have been unable to receive satisfactory resolution by directly engaging the company, and moreover, the company responsible for supporting me as a customer is failing to offer a clear and transparent way to contact them, and instead passes customers between XXXX, Goldman Sachs, and various other third party service providers without taking responsibility.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-06
Company: SANTANDER HOLDINGS USA, INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
This is my second complaint against Chrysler Capital. I have tried for many years to rectify this problem. I requested the service of your agency to retrieve paperwork from Chrysler Capital concerning a lease agreement on a XXXX  XXXX XXXX. 

The vehicle was returned a few months before my lease agreement ended and I was supposed to receive information from the bank as to what my total balance would be once the car was back in their possession. 

The bank never sent me a final bill and years went by I've called numerous times to retrieve the final bill, unfortunately, covid hit and people weren't answering the phone anymore. 

When I requested your agency to get involved with retrieving answers from Chrysler Capital, this was the first time I received any response. In the reply letter that I received from them they admit that they did not inform me properly of what my balance was. 

Instead Chrysler Capital decided to report to all three credit bureaus that I was delinquent in different amounts from {$5000.00} to {$7000.00}, which each credit bureau reported something different. 

After I received this information I tried to contact this company by phone again requesting payment for deletion. I was advised by five different customer service reps that there was nothing that could be done and it went into collections. 

My back is up against the wall I think this is extremely unfair for a consumer to not get answers for years, have to get an agency involved to finally get real concrete answers and the bank gets the privilege of reporting to all three credit bureaus that I'm delinquent but they never inform me with my final balance was. What makes this process worse is they admitted that they never informed me how is this even legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On the morning of XX/XX/2022 I had five alerts from my Citi rewards card of charges I did not make. I immediately called Citibank to report the fraudulent charges and to close the account. I listed each one of the names of the businesses & charges and expected an investigation and to be reimbursed for the five fraudulent charges. Approximately one month later, when I still wasnt reimbursed, I called Citi again and had to again list the five fraudulent charges in detail and was assured it would be resolved. Today, XX/XX/2022 I called to ask where this stands and had to list the XXXX fraudulent charges yet again and was transferred to a security fraud specialist who told me that it was still under investigation?? Citi security/fraud told me they have 90 days to resolve this issue. I have learned I should have received a provisional credit for the amount of charges in question within 10 business days of reporting the fraud according to the law. In the meantime, I have these five fraudulent charges ( totaling close to {$400.00} ) sitting on my credit card accruing interest when I did not make these purchases. I feel I did what I am suppose to do, reported the problem immediately and closed the card immediately. I feel Citi isnt doing what they should do to protect their customer.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an 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 2018-09-05
Company: Upgrade, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
While checking my Free Credit report a pop up window indicated that I should apply to XXXX.XXXX for a personal loan for as little as 6 % APR. It had pre-filled in a lot of my data from my credit report. It said by clicking on the offer, my credit would not be impacted. This was very important to me because I have pristine credit, ( FICO above 800 ). I foolishly clicked on it and was instantly pre-approved for {$20000.00} loan at 6.4 %. 
I then received instructions, on how to complete loan, which I complied with to the letter. They said they had eveything they needed. Then emailed this : " Thank you for your recent application for a personal loan through Upgrade. Unfortunately, your request could not be approved at this time. However, you may reapply in 30 days if you feel that your circumstances have changed. '' Perplexed ... I called. Customer Service said I can't tell you why, wait for an email..which never came. They refuse to communicate with me after that. 
Then I got an email telling me to reapply. I did and now they offer a 14 % loan. This is classic bait and switch. I requested in writing to give me a free credit report and accurate reason why I was denied credit. This is predatory lending and they damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: MoneyLion Inc.
State: NV
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 XX/XX/22 I have transcripts with an MONEYLION INC Representative confirming that the account was going to be removed in the beginning of XXXX as by federal law it is to be removed immediately. Contacted a minimum of 5 times asking for a manager since XX/XX/22. 

Please see attached

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX / XXXX / {$810.00} 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

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 2023-01-25
Company: EQUIFAX, INC.
State: OR
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:
I have been unable to get my Equifax score or updated report online for almost a year. Whenever I try to log in I get an error message of code XXXX and I am instructed to call Equifax customer service to resolve this. i have tried multiple times to get this fixed and I'm told it is an internal problem and it will be fixed in 10 business days. that has happened multiple times. 
Other credit reporting agencies also can not get my updated score or history, so they are still reporting my old score from XX/XX/2022. I have had multiple credit applications denied because companies can not get accurate information from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XXXX XXXX has had an ongoing problem with their rewards program. I have made XXXX  calls and send XXXX emails since XXXX. 
On the XXXX call I was assured the rewards would be available the next time I shopped at XXXX 'S. That did not happen. 
The next call I was told the problem would be resolved by the end of XXXX. I have shopped XXXX since the end of XXXX and have yet to be able to redeem my rewards. 
The emails seem to be answered by a robo answer. I tried to call last week and hung up after being on hold for XXXX XXXX XXXX XXXX XXXX 
When I look at my account on line, I see that I am entitled to {$90.00}. I need to get that money. It is my money as promised by my agreement when I got the credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I check my credit report on XXXX XXXX XXXX and I notice that there was inaccurate information on my credit report, credit account reporting wrong information and duplex account with wrongful information .I then started a dispute with the credit bureau on XXXX and I just received a email stated that Experian investigation is finish. I have not received verifiable result .All account I investigated still remain the same. 



.

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 2023-01-18
Company: EQUIFAX, INC.
State: PA
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 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  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 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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-03-18
Company: EQUIFAX, INC.
State: GA
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 fair credit reporting act. 
The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. Account names : XXXX XXXX Acct. Number XXXX. XXXX XXXX XXXX Acct. Number XXXX. Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish 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, 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 report agency if the person knows or has reasonable call to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXDEPT OF ED XXXX XXXX : {$2400.00} XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX/DEPT OF ED XXXX XXXX : {$9000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions 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: 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. 
Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX Account number XXXX 15 u.s.c. 1681 section 602 A. Section 2 : it states I have the right to privacy 15 u.s.c 1681 section 602 A.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 explanation
Consumer complaint received 2021-06-23
Company: FCI Lender Services Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
FCI Lender Services INC and XXXX XXXX XXXX, Defined Benefit have both declined modification and extension of my loan with payments that I can afford repeated request have been met with denials

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 2021-11-03
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Loan Depot on the week of XX/XX/XXXX to turn off ACH/Autodraft because I'm selling my home. They confirmed that day that it was turned off and that I would not have to pay my mortgage because the owed amount would come out of closing. I also was contacted by my title company and loandepot on XX/XX/XXXX for a payoff confirmation and during the call I had them confirm that autodraft was off, which they stated it was. On XXXX, they withdrew XXXX from my bank account causing me financial distress. I spoke with them the same day around XXXX and they told me it would be 48 hours before I saw the money back in my account. I spoke to them almost 48 hours later because I saw no pending transaction in my bank account. They stated that it was completed today and I would see the money later today or tomorrow deeming the previous statement a lie. I'm very concerned that I might not see this money back. Are they allowed to take money out of my account even after I have explicitly denied them authorization on multiple occasions?

Company response to consumer: Closed with explanation