BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: GOLDMAN SACHS BANK USA
State: MN
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:
This complaint is in addition to the previous one # XXXX I bought TWO XXXX  XXXX but was double charged and another charge on the statement I dont recognize. 

Attached is the screenshot of the long explanation, correctly explained and I have circled in red where the problems are. At this point I can tell there are a few capable person available to work at Apple Card. 

In the attached screenshots, taken from the Apple Card explanation, there were TWO charges of {$2000.00} and {$2000.00}. This is where the mistake is. I bought TWO XXXX  XXXX at the price of {$990.00} each. So TWO iPhones should costs {$990.00} x 2 = {$1900.00}. Plus taxes it would added up to {$2000.00}. So the charge of {$2000.00} on the Apple Card would be correct ; but there are TWO charges of {$2000.00} instead of one. And who authorizes the charge of {$2000.00}? For what? MAY I KNOW?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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: Information belongs to someone else

Complaint:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2022-11-23
Company: Block, Inc.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I used my debit card to purchase a vacation package/hotel stay. A hour after making the transaction I decided to cancel the reservation. The transaction was still pending at this point and I was sent a cancellation receipt by XXXX. On the XXXX of XXXX the transaction came out of pending status and was debited from my account. I contacted XXXX to see why the money was taken from my account and they told me that the refund had been issued. After not receiving my money in a week I called them back and was told that they issued a refund and to contact my financial institution to see what the issue was. I contacted cash app and was told that there was no refund issues by XXXX and to provide documentation of the refund which I did. They suggested a file a dispute and told me that it could take up to XXXX  days. During that week I contacted both XXXX and cash app several times at which they were both blaming one another. XXXX was saying they issued the refund and cash app was saying there was no refund in their system. XXXX was able to send me the refund request which I forwarded to cash app along with the communication between me and XXXX stating that I was being refunded. My dispute was denied, I still havent received my money and cash app is given me the run around and leads me to believe they are trying to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These companies are violating my rights under 15 U.S.C 1681 section 602 A States I have the right to privacy, .under 15 U.S.C 1681 section 604 A it's also states that a consumer reporting agency can not furnish a account with out my written instructions..15 U.S.C.1681c ( a ) 5 section States no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse items of information other than records of conviction of crime which antcates 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 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 2022-04-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received another foreclosure letter in the mail, which is a result of someone elses debt ( XXXX XXXX ), as discussed. 

As per prior messages to your team, XXXX XXXX is in contempt of automatic orders for failing to continue making mortgage payments, transferring marital and mortgage funds from his XXXX account to a partner in XXXX ( XXXX XXXX XXXX ), and using the mortgage funds to pay his attorney ( XXXX XXXX ), after commencement of index XXXX, in XXXX  court XXXX 
Both attorney XXXX and XXXX XXXX have committed perjury in court by making misstatements about XXXX XXXX financial condition on his XXXX, and for refusing to respond to a divorce settlement offer and a buy out offer of the home ( XXXX XXXX XXXX, XXXX, MA ), since XXXX XXXX XXXX XXXX  demanded that XXXX XXXX respond to my buy out offer in court. 

XXXX XXXX and XXXX XXXX XXXX may also have forged my signature on financial documents. XXXX XXXX XXXX appeared at my house recently with XXXX XXXX and was hostile toward me, which I have reported to the XXXX XXXX there is a XXXX  video of the attack. 

I am not in debt and the financial abuse by the lender and by XXXX XXXX and his attorney XXXX XXXX XXXX since XXXX has impacted my credit score, professional reputation, ability to earn a living, and the health of myself and my children. 

Our Index number is XXXX, in XXXX court XXXX We are unable to secure a trial date or any order involving these matters of contempt from the court. 

We just received the attached letter threatening to foreclose on our home in MA by USAA Federal savings Banks attorney, XXXX and XXXX, while Usaa and other lenders have refused to allow me to settle this matter, stating that I am not on the mortgage. 

I am requesting legal representation. Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  MA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX was paid to help most recently. In fact, after attorney XXXX spoke with his contacts at XXXX and XXXX, we received the attached documents, making matters worse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is coming after CFPB complait # XXXX. I paid my rent was twice accounted for then sudden several false charges were put on my account then 3 days later my rent was returned as unpaid. This is the same thing that happened in XX/XX/XXXX of this year involving both XXXX apartments and someone inside Huntington bank. Some of the items taken out of my checking account but not due or paid too items I dont have are {$50.00} to XXXX, & XXXX XXXX payment not due to XX/XX/XXXX. {$50.00} XXXX not due to the XX/XX/XXXX, & XX/XX/XXXX Coinbase not due toXX/XX/XXXX. All these items including other charges coming up to {$1200.00} were all paid after my rent payment but somehow that payment was listed as low funds after shown as paid. Also the first item that happened was that my debit card was locked without reason. I called as asked for explanation but no reason was given and no alert was shown on my XXXX website nor any alert texts sent to me. Again the XXXX phone person wouldnt identify themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I asked XXXX in the CEO office to please give me the person frauding me from XXXX XXXX XXXX information since USAA would do nothing to help me. He refused but told me to contact XXXX XXXX XXXX. I have been refused access to the XXXX of XXXX XXXX. There is no one in charge of USAA bank. I have had to speak with subordinates who have not helped me. I gave XXXX name and phone number of the fraud person. USAA has been cited and fined for money laundering. That is not this situation. I also cooperated by deleting an external account to stop this fraud. USAA is out of control and needs to be monitored or closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year PHH mortgage changed my Escrow amount 3 times based on false information making me supply the correct information but it took over 4 months for them to correct the amount and I over paid my taxes by XXXX dollar. I am a XXXX citizen and now they have done it again! in XX/XX/2023 my payment was XXXX and in XXXX they raised it to XXXX. They are basing this AGAIN on wrong information. I sent them the correct tax amount, I told them I over paid last year but they will not change the amount online so I can pay. I HAD to overpay my escrow or my payment will be late. CATCH XXXX! And they know it!!! You can ONLY pay the amount shown on your account online or by phone. EVEN when PHH IS WRONG! Is you send a check it never reaches your account and then they distribute the amount of the check they way they choose! So in order to keep my account in good standing, keep my mortgage current, I have to OVERPAY! This is a SCAM!!! ALL the extra money they receive from the consumers whom they do this too, over states their income statements!!! And in the end the county refunds the overpayments to the consumer. But this creates a HARDSHIP for XXXX citizens, such as myself, who do not have the extra income to be over paying anything. NO ONE that you talk to, and i usually get transferred at least 5 times and spend over an hour and a half with their agents, ever actually helps you. Nothing gets corrected and half the time they spend on the phone is " verifying '' who you are just to say they cant help and transfer you on to the next person. It is a FARCE!!!! to try and get any help from anyone at this company. I have seen all the reviews, complaints and it is Sickening that we have to be treated in this manner with a company that was NOT of our choosing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I don't understand why once again XXXX XXXX XXXX XXXX ADDED the following comment BACK under my VA mortgage loan with regards to a Natural Disaster that has not happened to my residence nor area. This is once again being submitted as well to my insurance company and FEMA. 

I do not understand why additional false reporting is being done by XXXX XXXX XXXX XXXX after each complaint I file to the CFPB. There is a serious issue and pattern of misconduct going on and I need answers. I need this ONCE AGAIN REMOVED from my credit report. 

Also per last complaint to the CFPB, I need all payments be reported to the credit bureaus so I can move forward with my personal bank taking over my loan to refinance since this issue seems to never be resolved per XXXX XXXX, refer to XXXX XXXX XXXX XXXX taped phone conversation. 

Here goes ANOTHER CFPB complaint. 


Sincerely, XXXX XXXX Updated Account Information XXXX/XXXX XXXX - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Affected by natural disaster

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: D2 Management LLC
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX That's the number they called from. A XXXX person called and asked bluntly of my social ended in XXXX and I was XXXX XXXX XXXX. Without asking who she was speaking with. I then asked her about why she would do that and she yelled don't come down my throat about a debt that you knew you weren't going to pay but you took out anyway. I was trying to explain that I'm XXXX and can't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, I signed up for Business Checking Account with US bank under the promotion code that entitled me to ( 1 ) {$500.00} if I maintained a certain balance in my account and ( 2 ) {$600.00} if I signed up for XXXX XXXX XXXX and processed X amount of transactions. 

I fulfilled both criteria ( and customer service reps confirmed it ). However US Bank has not credited me the {$600.00} associated with ( 2 ). 

I have contacted US Bank multiple times who've opened internal tickets, but this has not resulted in any action.

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions on the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follow : 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 non-monetary relief
Consumer complaint received 2023-04-04
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:
I had reached XXXX bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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