BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: GOLDMAN SACHS BANK USA
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 XXXX, I received the notification about an unrecognized transaction in the amount of {$1300.00} by Apple Store online and will be pick up in the store. At XXXX, I reached out to the Goldman Sachs Apple card support team and told them about this. The specialist put on dispute for me and replaced my card. That's all they did. Few days later, the purchased item, which was an XXXX XXXX XXXX XXXX deep purple XXXX was picked up by someone ( using my identity ). 

After two months ( XX/XX/2023 ), I received an email saying that the disputed transaction was rebilled and sent me a report saying that the purchase information was by me ( my name, address, and billing address ). The person used guest checkout, and I didn't even realize what item was purchased until I saw the report. Of course it would show MY INFORMATION because this person stole my personal information and impersonated me. I tried to dispute again and hoping that they would do further investigation on it to prove that I didn't make the purchase, but they didn't and the bill came again after two months ( XX/XX/2023 ). They could of checked the store surveillance camera to see who really picked up the item or even see who is using that phone, which can definitely prove that it WAS NOT ME. Now they are saying that " it's been awhile and there's nothing much we can do. ", which is basically telling me that " we can't do anything, you have to take the responsibility on your own, and we don't care about you paying for something that YOU DID NOT PURCHASED. '' No other banks do that. 

If the Goldman Sachs support team did something to put " on hold '' to that transaction or notify the Apple employees about the transaction when I first reported that unrecognized purchase, so that they could be more cautious about checking IDs before giving the items out, nothing like this would of happened. I know that they just don't want to do the job. They just give you a solution by the report they see and gives all the stress to you. It's very unfair to me, and it's very disappointing for a loyal Apple user who has been using Apple products for over 10 years. I've NEVER had such hard time and difficulty on disputing before ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
Please see attachments

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: NC
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. 
XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX  XXXX Balance Owed : {$3900.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and saw that the accounts I have been disputing are still appearing on my report even if I already said that it's not mine and I already filed an FTC report for it. This is violating my rights and I wanted these Items removed from my report. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-01
Company: EQUIFAX, INC.
State: OH
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 no knowledge of this account, XXXX XXXX, ACCT # XXXX, ACCT # XXXX, and ACCT # XXXX but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2023-06-22
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:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$2500.00} 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 2022-05-15
Company: Experian Information Solutions 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:
in accordance with the Fair Credit Reporting act 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

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 2022-05-15
Company: Avant Holding Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received an unwelcome notice from XXXX of a XXXX point decline on my credit report. This change occurred because an entity named " XXXXAvan '' imposed a " hard inquiry '' on my credit. I am not seeking credit, I have no relationship with the financial entity and did not authorize any inquiry. I requested that XXXX remove the inquiry but was told they need a deletion letter from the company that made the inquiry. 

I wrote to XXXX requesting a deletion letter and they said they could not provide one because while they are the " lender '' they partner with other financial entities and only their partner has access to my customer and account information. So I wrote to Avant LLC, even though I am not their customer, but did not get satisfaction. 

I find this whole experience very unsatisfying. What right do they have to impose this on me without my authorization. When I ask each entity to correct the problem they all point the figure at someone else. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am set up with an automatic payment program with Discover credit card. 
I was set up on this program because I am unemployed and I am having trouble making the large payments. When I set up this program, they told me I could go ahead and make the payment myself at an earlier time and they would not process the auto payment scheduled. 

On XX/XX/XXXX, I went on line and scheduled the payment for {$200.00} On XX/XX/XXXX, the payment cleared my XXXX account. On that same day, Discover attempted to take the money out of my account again two times. This caused me {$64.00} in NSF fees with my bank. This is an extreme hardship for me. I am barely able to pay my bills on time. I explained this to an agent and a supervisor at Discover and they will not reverse the fees. Please assist me in this matter. I do not even have gas money now. I work hard selling my personal belongings off to make ends meet and now this has happened ... .I am very very upset and not a happy customer. My credit is perfect. 

Thank You, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: SANTANDER HOLDINGS USA, INC.
State: TN
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 recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " SANTANDER CONSUMER USA, XXXX, XXXX, XXXX XXXX XXXX ". This charge may lead to a lawsuit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Washington , DC XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX reference too close Case on experience EXPERIENCE DID NOT INVESTIGATE NOR TOOK MY DISPUTE FAIRLY I PACIFIC STATED IN THE DISPUTES WHAT WAS ON MY CREDIT REPORT OTHER SELF INCREASE THAT WAS NOT MINE THAT I KEEP DISPUTING AND THEY REFUSING TO TAKE IT OFF MY CREDIT REPORT I ALSO TOLD THEM THAT THIS WAS A DATA BREACH ON THEY END CUZ ALL THE INFORMATION THAT HAS SENT THEM SCREENSHOT THEM UPLOADING THEM AND SENT TO THEM IN PERSON SHOWING WHAT'S ON MY CREDIT REPORT THAT NOT SUPPOSED TO BE ON THERE ON XXXX XXXX MY SOCIAL SECURITY NUMBER DRIVER 'S LICENSE NUMBER

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 2022-11-01
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: Account status incorrect

Complaint:
XXXX reported a business account late on my personal credit. I was not aware that any amount of money was owed on this XXXX credit card. My company is a non profit and My business office closed due to the pandemic! So I never saw any mail regarding this card. I take pride in my credit and have NEVER paid any account late. This particular card was not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I later received notification from XXXX by email to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a XXXX regarding the XXXX XXXX  late payment. The account closure email is what alerted me. XXXX never emailed regarding late or missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received an email about a new collection added to my credit report I find out Enhanced Recovery Collections for s trying to collect on a false and fraudulent debt. I had previously told the prior debt collector listed in my account the same thing that this is not my debt. They sold it to ERC. I have been in contact with the original debtor listed T-Mobile and they could not find any records on this debt. Plus the debt is well past the federal statute of time limitations. They expect {$390.00} out of me but, will get {$0.00} for a fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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: Investigation took more than 30 days

Complaint:
attached is the CERTIFIED MAIL FROM XXXX XXXX and XXXX. Experian is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! Account : XXXX XXXX XXXXXXXX CHILD SUPPORT XXXX Open options Account # XXXX XXXXXXXX XXXX XXXXXXXXOpen options Account # : **** XXXX XXXX  XXXX Open options Account # : **** XXXXXXXX XXXX XXXXXXXX Open options Account # : **** XXXX XXXXXXXX Open options Account # : XXXX XXXX options Account # XXXX XXXX  Open options Account # XXXXXXXX XXXX XXXX XXXX XXXX Open options Account # : -- XXXXXXXX XXXX Open options Account # XXXX SXXXX XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXXOpen options Account # XXXX XXXX Open options Account # XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.

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 2022-05-15
Company: Experian Information Solutions Inc.
State: MD
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 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

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 2023-12-17
Company: Experian Information Solutions Inc.
State: TX
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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