BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-30
Company: GOLDMAN SACHS BANK USA
State: TN
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 XX/XX/2021 I noticed a charge for {$820.00} on my Apple Card by a " merchant '' identified by XXXX XXXX ( XXXX ). 

I had contacted Apple Card support and they initiated a dispute. It was resolved in the merchant 's favor on XX/XX/2021 because the merchant provided sufficient evidence that I made the purchase. 

I would like to see this evidence. I have no records in email or via XXXX ( whom I also contacted and could not verify the purchase ). 

The Apple Card support team and apparently the underlying financial systems appear to be inadequate at detecting and preventing fraud. This is one of many disputes ( all resolved in my favor ) I have had to address with Apple. Their explanation is that there are glitches. I believe it is time for a full audit and investigation of both Apple and Goldman Sachs. It is readily apparent neither company is equipped to deal with consumer credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Theres a hard inquiry on my XXXX report for a credit card I never applied for, XX/XX/2022. When I called the lender they couldnt help me because I dont have any other information other than what is on my credit report. And XXXX said I had to report it with the Federal trade commission before filing dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting 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 violented my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 604 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 my make any consumer report containing reporting agency may make any consumer report 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 2021-11-24
Company: EQUIFAX, INC.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: ALLY FINANCIAL INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I have sent a letter to Ally Financial to provide proof regarding the late payment. the Congress states pursuant 15 U.S. Code 1666b - Timing of payments the creditor may not treat the payment late unless the creditor sent the consumer all the information required under 15 U.S. Code 1637 - Open end consumer credit plans XXXX  days before due date. I have requested from Ally Financial a proof that all the required information by law was sent XXXX  days prior to due date or remove the late payment as per FCRA if the information is incorrect or unverifiable then it can not be reported to the Consumer Reporting Agencies as well as pursuant 15 U.S. Code 1681a ( 2 ) ( i ) - Definitions ; rules of construction the consumer report does not include the transactions and experiences between " Consumer '' and " Person ''. Ally Financial violated several FCRA laws by not obeying them and replied with some " Erroneous '' responses which I will be attaching to this complain. 
On XX/XX/2023 Ally Financial responded with letter that looks like a statement but it is defiantly was not proof required by law. 
I have sent them my second letter on XX/XX/2023 giving them a final opportunity to resolve the matter but they ignored it by responding with the same type of nonsense letter that they responded previously on XX/XX/2023

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 2019-03-21
Company: CITIBANK, N.A.
State: OH
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 XX/XX/XXXX my card was fraudulently used at a XXXX. I called Citibank and reported the fraud. 

They mistakenly reversed all of my transactions from XX/XX/XXXX. 

However, when they corrected their mistake, they double billed me for the reversed items. For example : {$10.00} Charge 1 ( {$10.00} ) Reversal of Charge 1 {$10.00} Charge 1 {$10.00} Charge 1 So, instead of owing ( correctly ) {$10.00}, I now owe {$20.00}. I have sent screenshots of my statements showing this, but they insist they are correct.

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 2022-09-09
Company: Experian Information Solutions 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:
After gaining access my consumer report for review, I noticed some unauthorized information on my consumer report that I needed to be removed under 15 USC 1681-3XXXX assumed this role w/out my express permission or consent. Experian did not respect my right to privacy under 15 USC 1681 -4 and they neglected to exercise their grave responsibility. They had no permissible purpose to tamper w/ my consumer reports. They have added fraudulent information that have absolutely nothing to do with me... EVER! I disputed multiple addresses that I never associated with and inquiries that I did not recognize. At this point, they have neglected the duties ( 15 USC 1681 -4 ) that they assumed in publishing inaccurate and unverifiable information after they were notified of the disputes. 

The following was all removed from XXXX and I expect the same resolve. 

The ONLY current & identifying information should read XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX All other variances need to be removed The following accounts XXXX  XXXX - Acct # XXXX Bal {$950.00} - Has been removed by XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Bal {$1900.00} - Removed by XXXX XXXX XXXX - Acct # XXXX -Bal $ XXXX Removed by XXXX XXXX XXXX - Acct # XXXX Bal- {$4800.00} - Removed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bal {$1700.00} - Removed by 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 2022-10-15
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i had recently called Equifax inc. to remove a fraud alert from my Equifax profile. after following all the guidelines of answering security questions correctly and my personal information such XXXX social addresses and authentic codes. the costumer service rep i was speaking asked me how many disputes i had with Equifax. i replied I'm not sure and how is this a valid security question to remove the fraud alert from my profile. after briefly explaining to the customer services rep i would not know the answer to that question being i have hired a professional company in the past for disputing inaccurate information on my consumer reports. the customer services rep stated by me not knowing the answer to how many disputes i have with Equifax inc. that they will not remove the fraud alert and will be extending it. this caused me to be denied credit card offers and loans and applying for lines of credit. i will be filing a federal complaint as well against Equifax inc. for denying me the right to remove something i placed on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: MS
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:
When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employer : XXXX XXXX XXXX XXXX Date Updated :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 2022-09-08
Company: Experian Information Solutions Inc.
State: TX
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  XXXX XXXX XXXX acct # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  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 explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions 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 the Fair Credit Reporting act XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : 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 explanation
Consumer complaint received 2018-08-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage that is serviced by Rushmore Loan Servicing LLC. My mortgage is owned by XXXX XXXX XXXX XXXX. 

I have fallen behind on my mortgage payments immediately and ask for a loan modification. I received a letter after requesting a loan modification from Rushmore Loan Servicing stating that my modification was denied. 

The reason giving didn't make sense. Three of their reasons for denial led me to believe that there wasn't any due diligence in their consideration.

1- Income not sufficient to sustain any payments under any available loan modification program. ( The was no program offered ) 2- Employment History is not sufficient in length to qualify. ( I've been employed for the same company for 11 years. ) 3-Your Credit History reveals that my current obligations are excessive in relation to income. ( The letter stated under this bullet point ; could not be verified ) 4- Good Faith Payment : Proof of the good faith payment was not received. ( When applying for my modification I was not required to make a payment however it seems as I'm being penalized for something was not require at the time of application.

However, I was informed that I have 14 days to accept Rushmore Load Servicing short sale options. 
This is evident that my modification was never processed and simply denied in the attempt that XXXX XXXX XXXX XXXX either foreclosed on my home or force me to short sale my home either of which will allow me to lose my home. 

Apparently, this is a common practice. Please see the link below. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Goal Structured Solutions, LLC
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2023, my partner received an email to her email account from " XXXX XXXX, '' but the email was addressed to me. 
Email : From : Launch Servicing XXXX Date : Fri, XX/XX/2023 at XXXX XXXX  Subject : New Document from Launch Servicing  To : XXXX XXXX XXXX 's email address*****> Text : Dear XXXX XXXX There is an important document available for you from Launch Servicing , LLC for account number ending in ****. Please log in to your online account and select Manage Account, then Account Documents and Correspondence to view this important account communication. 

Please do not respond to this message. To respond, send a message from your online account or call us at ( XXXX ) XXXX. 

You are receiving this email because you signed up for electronic communication through Launch Servicing , LLC. If you would like to stop receiving email notifications and resume receiving paper copies of your account documents, you may change your delivery preferences once you are in your online account. 

Thank you, The Launch Servicing , LLC Customer Service Team ___________ I contacted my student loan service provider to ask about " Launch Servicing '' at XXXX on Wednesday, XX/XX/2023. They said they do not work with any 3rd party servicer. 

I checked the XXXX XXXX XXXX website XXXX XXXX XXXX XXXXXXXX XXXX  and " Launch Servicing '' is not listed as an official loan servicer for federal student loans. 

I looked at the XXXX XXXX XXXX and found a list of complaints of fraudulent accounts being set up without a person 's knowledge, and damage being done to credit scores. 

I believe that this is a fraudulent servicer, and that this correspondence was to set up a scam. The primary indicator is the wrong email-recipient pairing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I received a call and email from discover bank saying my account was frozen due to suspicious activity. I have no idea what that suspicious activity could have been. 

From XX/XX/XXXX to XX/XX/XXXX, I attempted to call their security hotline three times to resolve the issue. The first two times I was put on hold for over 45 minutes and had to hang up because I Had another engagement. On the third attempt I again had to wait 45 minutes and I was told my account was closed due to a business decision. They would not give me any type of explanation of notice that my account was being closed before I called them. They informed me my available funds would be mailed to me within 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The data furnisher failed to provide correct and accurate contact information on the consumer 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 non-monetary relief
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: MO
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 am appalled by the lack of responsibility on the Credit Bureaus ' behalf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 4 months my requests have been overlooked. Discontinue the stall tactics and please delete the disputed accounts reporting erroneously on my Credit Report. Upon further review of my Credit File, I immediately noted the following : a ) Charge Off account continue to report on my Credit File still indicating a balance, for all I know, Charge Off accounts report 0 balance ; b ) the repossessed account was done illegally followed by illegal reporting on my Credit Report ; and c ) the accounts reported are already deleted from the other Credit Bureau, making me wonder why is it too difficult for the other Credit Bureaus to do the same? Under the Fair Credit Reporting Act, I am submitting this CFPB Complaint requesting that the Credit Bureaus must remove the disputed items completely from my Credit Report : XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase chose to restrict and close my account. They informed me that my direct deposit couldnt be deposited. They then accepted the deposit and will not allow me access to my paycheck. I need my paycheck to feed my family. I will not get paid again until the end of XXXX.

Company response to consumer: Closed with explanation