BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, I did an investigation on my credit report which caused servers XXXX, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correctly. 
In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing that I am also a victim of ID theft?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 12 U.S.C and 1681i ( 7 ) Methos of verification- Description of reinvestigation procedure. 

Resolution As a consumer, by law my credit report must be made 100 % accurate immediately by credit reporting agencies updating and/or deleting the accounts listed Thank you

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 2023-10-27
Company: Experian Information Solutions Inc.
State: OH
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2023-08-26
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit 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:
I was in XXXX in XX/XX/XXXX and I bought the below boat rides, taxis and tours from XXXX XXXX XXXX XXXX  for {$230.00} on XX/XX/XXXX. 

1. Boat ride from pier to XXXX XXXX - 20 minute boat ride ( completed but took us to the wrong pier / opposite side of the island ) 2. One-Day 3 island tour - service not provided/ they never showed up 3. XXXX XXXX to XXXX XXXX XXXX Speedboat- service not provided/ they never showed up XXXX. XXXX XXXX XXXX to XXXX ( Ferry  ) - service not provided/ they never showed up XXXX. XXXX XXXX to Airport- service not provided/ they never showed up The company started by taking us to the wrong island, so we had to find another boat to get to where we needed to go to and didn't get there until nearly XXXX. Then, the tour company messaged us saying we needed to come back at XXXX to find new times because his drivers/boat people aren't available. We said no and that it was already XXXX and we're not getting up early to go and revise all this and he needs to honor the times we agreed to. We told him if he doesn't do this, we need our money back and he said no. 

The next morning, the tour company never showed up and neither did anyone else for the other tours/ ferries ( items 2 - 5 ). 

I first disputed the transaction on XX/XX/XXXX with Apple Card support received a rejection / denial on XX/XX/XXXX saying " The merchant charged you the same amount that you intended to and did pay for your purchase '' I refiled the same day, and on XXXX I was told " We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim '' I refiled again and on XX/XX/XXXX was told " We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim '' I have repeatedly provided Apple the entire XXXX XXXX where the tour company is telling us they can't deliver on the tours we purchased, a map of showing where they dropped us off and where we should of been, plus a long 13 point email of detailing everything that happened. They did not show up for any of this, and all Apple Card has done is provide copies of the receipts that the tour company provided them- which I already have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26
Company: CNG FINANCIAL CORPORATION
State: IN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
My soon to be ex-wife took out several credit cards and loans out in my name and has racked up around {$30000.00} worth of debt in my name. I currently have debt collection agencies trying to collect money from me for credit cards and loans that I didn't take out. My credit score is als really low because of these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have been trying to close this credit card account for 2 years. 

In XXXX I opened a Best Buy credit card account for an XXXX computer. I paid it off completely and closed the account out in XXXX. The account was completely closed in XXXX. Surprisingly, In XXXX I was charged an annual fee for the credit card account. I called Citibank in XXXX and told them that I had closed the account the previous year, so they waived the annual fee and late fees and told me that I would not have this problem again. 

Now in XXXX, they are trying to charge me an annual fee AND late fees AGAIN for a card that I closed completely 2 years ago, in XXXX. Every single time I try to call Citibank to see what's going on, I get somebody on the line that doesn't speak XXXX clearly and I can not understand. I am consistently transferred to somebody new that I have to explain the entire problem to from the beginning again. I've spent several hours on the phone being transferred around, several times, only to repeat myself over and over. Every time I ask anybody for their extension number or company ID, they either hang up on me or try to tell me that there is no such thing as an extension number or company ID at Citibank. 

I figured out I could have my call transferred to somebody " stateside '' in the USA, that's when I connected with XXXX ( Company ID # : XXXX ) She was the first person to be able to actually help me. She told me there must be a glitch in the system that keeps charging me an annual fee even though my account is closed. She transferred me to somebody that spoke clearly and was able to waive ALL of my account fees. 

Now only one month later, they are charging me an annual fee, and several more late fees. All I want to do is close the account completely and be left alone. This has lowered my credit score and caused me hours of headache. Please help me get this credit card closed completely because I can not deal with Citibank anymore.

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 2023-07-14
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was lured to open a checking account with US bank in XXXX with promise of XXXX dollars by meeting requirements per a mail solicitation advertisement. I did open the account, met the requirements, and met with a young man who said he was the assistant manager of their branch on XXXX XXXX in XXXX MO who assisted me in gathering all information to meet the promotion criteria. The account at time was US bank cash + and account under my last Name at time was XXXX, account number XXXX. My address was XXXX XXXX XXXX, XXXX  MO at the time I opened the account. I no longer have the account but it was open over 3 years. They never gave me the promotional XXXX dollars for opening the account and meeting requirements in the allotted time. I asked them about it several times and they kept asking me to provide them with the advertisement that promised the money but I never saved it and finally just gave up but have always been mad and upset that they never held up to their promise of payment after I met requirements and repeatedly asked for the bonus only to be shut down with requests for proof of the original advertisement. I now see theres been others affected by these tactics and I still feel they owe me the XXXX bonus for opening the account. At the time I was going through a divorce and I found any way to make extra income at the time was worth trying for. I deeply have issues with banking institutions practices as a result of this. I would like the money they promised me. Thank you.

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 2022-11-20
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently pulled a copy of my credit report and notice and caine & weiner there I have no idea what this debt is about or what it is for this is a company I have never done business with. I wrote them and to date I have not received a response from them. At this point I just need them to be delete from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act, this Creditor has violated my Rights! Under Act 15 U.S.C 1681 section 602 says have the right to Privacy. 15 U.S.C 1681 section 604 A section 1 t also states a consumer reporting agency can not furnish an account without instruction. Under U.S.C 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX XXXX XXXX  {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2800.00} XXXXXXXX XXXX XXXX Owed : {$0.00}.

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 2023-08-26
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear Sir or Madam, Yesterday, on my 'line of credit ' due, it was {$450.00} -- today it is {$490.00}. I didn't use my line of credit at all. These are the bank fees -- XXXX dollars in a day 's time? What is going on? I am being scammed by M & T Bank, in XXXX, CT. 
Also, when I signed up for the Line of Credit, I was never told the fees. I knew there would be fees, but to this extent? I live on SSI and this is my bank. They want my money. Help! I don't want this to happen to any other unsuspecting person!! 
Thank you, 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 monetary relief
Consumer complaint received 2022-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My wife, XXXX, and I applied for a HELOC in XXXX of XXXX and were approved in XX/XX/XXXX. We had no issues with credit or the process per se. However, the reason we applied at that time was the Fed was preparing to raise interest rates. We are both fairly savvy financial people both personally and professionally. During the process, I asked my loan originator whether my loan was a fixed rate loan and she stated yes. This was done both verbally and in writing. Unfortunately, due to Bank of America 's secure email system, I can not pull any of her communications. 

We now find ourselves paying an adjustable rate HELOC that goes up each month by many basis points. We have never ever signed on for an adjustable rate loan due to the uncertainty of them. In fact, I asked a very pointed question if I drew down the entire XXXX would my interest rate be fixed until repayment. The answer was yes. 

I also NEVER received loan documents until I requested them this past XXXX which state variable rate.

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 2022-12-27
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
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:
FTC IDENTITY THEFT REPORT Attached Experian is not repsonding to my letters! I sent them Letters in XXXX and they refuse to respond! 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

3 Fraudulent ACCOUNTS XXXX XXXX XXXX ( Orginal Creditor : XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Orginal Creditor : XXXX XXXX XXXX  Please block this 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 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.

Proof of identity 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 2023-08-26
Company: Rocket Mortgage, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Two years ago I signed up for the " Bi-Weekly '' Payment process to reduce interest over the life of the mortgage loan. Rocket Mortgage said it would hold the first payment and apply it with the second payment until I got one full payment ahead. That would take a year of these payments. Then they would start applying the payment every 2week. In the past two years they have still held the payment until the second payment is received. They have also changed there website ( XXXX ) stating they will always hold the payment until full payment is received. Yet they still advertise and use key words such as " Biweekly payment '' to lure people into paying every two weeks. When in fact this is still a monthly payment, with an extra payment at the end of the year. They are deceiving customers ( XXXX XXXX XXXX XXXX Website is the updated site still advertising as Biweekly payments when in fact, effectively, it is monthly payments with an extra payment at end of year. 
They also will not allow me to schedule a second " principal '' payment of {$120.00} every two weeks to reduce interest over the life of the mortgage. They state I need to once a month make a one time payment. 
They have arranged their entire payment process to provide misleading information and discourage customers from paying early to reduce interest over the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Referring to Section 623 of the Fair Credit Reporting Act and contacts the data furnisher to prove that a debt belongs to the company. Also, what method did they use to verify the account. The credit bureaus have denied me the right to dispute this, I want to see how they verified this account. I wholeheartedly deny these accounts as mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently received a copy of my ( XXXX, TransUnion and XXXX ) credit reports, and I noticed some late payments posted on my credit reports : The account below is being listed with late or missed payments and that is incorrect. I sent each Credit Bureau i letter stating that this account wasn't late and that i had identity theft in XXXX of this year and had to have my checking account info changed, XXXX XXXX made note of the new account however didn't remove the old checking info and when XX/XX/XXXX payment was made charged the old account which was told would be removed and wasn't. Causing my account to be reversed with being late. 

THIS ACCOUNT SHOULD READ PAYS or PAID XXXX XXXX XXXX XXXX ( Account # XXXX ) Late Payment XX/XX/XXXX These are the certified tracing labels for each credit bureau and copy of letters sent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Tracking # : XXXX Trans Union LLC XXXX XXXX XXXX XXXX box XXXX XXXX XXXX PA XXXX Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX, TX 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