BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: GOLDMAN SACHS BANK USA
State: CA
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:
My Apple Card was digitally connected to my phone. The Apple Card was connected to my XXXX  XXXX XXXX account. When my XXXX  XXXX XXXX account was closed, I was not allowed to update my banking information to pay my Apple Card payments. I tried calling, chatting to a representative and they dismissed me. I contacted Apple about it and they charged off my card without addressing my issue. It is very frustrating and unfair since they are going to affect my credit. Please help me. I am willing to pay my balance for charges I made, not any penalties enforced by them, because they did not allow me to update my banking information. It was a failure on their part

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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: Their investigation did not fix an error on your report

Complaint:
Hello, After disputing account XXXX XXXX  ACCT # XXXX multiple times I filed complaints with CFPB for the account with XXXX, and Experian. Complaints and complaint results are attached. Both claim to have verified and updated the account, however, the account as of my credit report on XXXX  still has inconsistent information with both bureaus which include, the monthly payment, balance, date last active. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased a prepaid XXXX giftcard from XXXXXXXX XXXX XXXX store in XXXX, AZ on XX/XX/2022. The load amount was {$490.00}. The card was never functional. I called the toll free number on the back of the card on XX/XX/2022. I was told to photocopy and fax various documents which I did on XX/XX/XXXX. Approximately two weeks later I had not heard anything and called the toll free number for status. I was told the card ID that the company had given me was incorrect. At this point I disputed the charge with XXXX bank and asked for a reversal of the $ XXXX dollar charge. XXXX ultimately rejected my claim on XX/XX/2022 which forced me to re-engage with the prepaid XXXX issuing bank ( US Bank  ). I contacted them and was given the correct card ID number and a request to fax the same documentation again. I did as requested and called on XX/XX/XXXX for status. At this point I was told the copy of my driver 's license was not legible and I needed to re-fax this. I did and called on XX/XX/XXXX for status. I was told that the driver 's license is still not legible and also now I needed to re-fax a copy of my original sales receipt. At this point I have no confidence that this situation will be resolved. I've faxed perfectly legible copies of every document they've requested. Each time they come back with another request. It appears they're employing delay tactics. It's hard to believe a large, seemingly reputable bank like US Bank  would engage in such tactics but at this point that's exactly what appears to be happening.

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 2023-12-14
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: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: OH
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:
Derogatory report was drop but still not fix XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I just received my credit report for XXXX and XXXX, and they told one of my Navy Federal loan accounts are not being reported by the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
To whom it may concern, I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court.

I contacted the U.S. Bankruptcy Court courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 

It is quite clear that someone from TransUnion lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : " XXXX XXXX Bankruptcy '', Docket # : XXXX Please respond to me in writing once this removal has been completed. 

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 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX was alerted that I was out of the country due to XXXX  and checking on my daughter who was out of the country for school. I asked that they do a temporary change of address to my daughters house in the XXXX for XX/XX/XXXX and XX/XX/XXXX. It was a emergency situation as I needed to care for her and her health. Even though I notified XXXX XXXX XXXX XXXX of my temporary address change for both months, they never sent a bill to my new address so I wasnt aware that there was a statement balance. I contacted them about this over the past few years even providing documentation of my emergency trips and also gave them the exact days that I called so that they could pull the recording of both verbal requests. There was nothing done even as a customer for many years with a account in good standing. This is very unfair, unjust and I am very upset.

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 2023-04-19
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This started XX/XX/2023. I deposited money and every single time I deposited money, Its a company called XXXX that takes that money right back out like MINUTES after I deposit money. I tried to reach out to this XXXX people but the phone number was not a working number. I could never get ahold of anybody. It seems that these transactions were made out of the country. I am located in the United States. It seems very shady as if Chime has something to do with my money missing. It is over {$1000.00} worth. I need my money back now. If not, I will be filing arbitration. My money should not be going missing minutes after I deposit. Please refund my money now. Claim ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Navient Solutions, LLC.
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:
My credit is constantly getting ruined by navient. Ive made two complaints against them And theyre stating theyre not reporting information to the credit bureau when my credit score just dropped another 59 points on XX/XX/XXXX. Theyre reporting changes on loans that are incorrect. There should be no changes reported because theyre protected by the cares act and the amount reporting is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: PA
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'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 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 explanation
Consumer complaint received 2021-01-12
Company: Midwest Fidelity Services, LLC
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This was a debt from literally 8 years ago the company lied and said that this was a debt from last year which is a XXXX lie ... I tried disputing the credit history on XXXX XXXX and they investigated it and XXXX XXXX claims that they arent making any mistakes either and the dates are not accurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Collection Bureau of Fort Walton Beach, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2020 An debt validation letter was sent to XXXX XXXX XXXX that is reporting a debt to the credit bureau. XXXX XXXX XXXX did not validate the debt but still violating the Fair Debt Collection Practices Act by reporting a debt that they saying I owe them and I dont and it's causing Extreme hardship in my life. In this complainant I will provide all the evidence to show that XXXX XXXX XXXX did not verify the debt they say I OWE THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account was included in the BK filed in 2017. After multiple letters to XXXX and the company, they are still showing the amount of XXXX. Please delete or update account with proper XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX Balance {$37000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX on 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 2021-01-12
Company: Experian Information Solutions Inc.
State: LA
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 am showing multiple inaccurate information on my credit report. I contacted the creditor and they gave me information about the open account. I have no knowledge of the account. I did not authorize to open this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
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:
Spoke to a special handling team about these accounts because they are fraud. Transunion have received documents from the creditors and refuse to delete these accounts. I have called numerous times about these accounts this is my second complaint because Transunion have the documents from the creditors with results of their investigation that i mailed and signature and i sent documents from the last COMPLANT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX I received a call from XXXX from XXXX XXXX. She mentioned that a debt was trying to be collected for my spouse. She never really told me where she was calling from but she asked me if I was still employed by my main employer and what I understood about collections. She also proceeded to tell me that my husband told her that he had been fired and was in the heat waiting for the bus. My husband is employed with XXXX jobs and works day and night to support us. She was using intimidating, and deceptive language to collect the debt. Also this debt is supposedly from an apartment complex from XXXX. This was before I had met my spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that 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 2023-02-10
Company: SYNCHRONY FINANCIAL
State: CA
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:
I purchased a bed from Mattress Firm XX/XX/XXXX, financed on a promotional 24 months interest free through Synchrony XXXX. I have made monthly payments of {$200.00} every month since then. In XX/XX/XXXX or XXXX I was informed that charge was made to my account and a bed was scheduled to be delivered in Texas. I live in California. I told them it was not my charge. They said that they would take care of it, that the account would be closed but to keep paying on my original purchase. 
I didn't even realize until recently that I had not been getting statements. My payments were made automatically through B of A 's bill pay system. Last evening I decided to try and find out if I had in fact paid off my account. I called Synchrony, spoke with at least 4 different individuals all who said I had a balance over {$25000.00}. I explained that i did not make any purchases beyond the initial one. They tried to transfer me a fifth time but I was cut off. 
following the call I went through my files and found an old statement from XX/XX/XXXX which showed a balance of {$1300.00}. As I have paid {$200.00} a month until last evening when I cancelled all future payments, I calculate that Synchrony owes me {$1400.00}. I am now making this claim and sending a leter to them as well. But as they would not listen to me last evening I don't have any hopes that they will return my money.

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 2023-10-21
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting 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 am sending this complaint as a subsequent notification to inform the Experian Bureau that I will be updating my credit report once again within a 15-day period. I hold a strong expectation that the Experian Bureau has already DELETED these three residual inquiries from my credit report : EXPERIAN : 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 2023-06-08
Company: Experian Information Solutions Inc.
State: NY
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:
This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: AR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$3100.00}.

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 non-monetary relief