BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
When my GM Card transferred over to Marcus by Goldman Sachs, I received a new credit card agreement, so I looked up the associate reward program rules. The agreement says nothing about rewards expiring, and the program rules say they do not expire on an active account ( which mine is ). On my latest statement, rewards expired. When I called the help line, the rep says it is a " XXXX '' card, and is under a different set of rules. I ask to see the rules, and they are not available online, and they would have to dig up some rules based on the XXXX XXXX version of the card. I received a new set of rules with the new card, so why should the old rules apply? 

{$230.00} of points expired on my XXXX statement, and it says another {$220.00} will expire next month! 

I just want to keep my points. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: UT
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  # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
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 information incorrect

Complaint:
Tried to contact credit bureaus about this issue I have with this company on my credit report, its showing different montly balances, and different account balances. I want this account removed from my report ASAP!

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 2022-12-22
Company: WELLS FARGO & COMPANY
State: WA
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 notification about a new inquiry to my credit report. I called Wells Fargo to inquire why they asked for.my info since I did not seek credit from them. I was informed that an account from XXXX XXXX  had been.opened in my name. They are an online retailer that I had no contact with. Wells Fargo put me thru to their fraud dept and I was told I would recieve info in the mail for this to be taken off my report. Well, 2 days later, I received a credit card from bobs furniture!! I just want this closed and taken off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Byrider Franchising, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX bills prepaid XXXX social security act signature is required to discharge debt loans are fraudulent due to XXXX bankruptcy so y the XXXX XXXX stole my car wen dey took my wet signature copy of the XXXX contract and turn it into treasury of state and for XXXX paid the 3rd day after I had possession NO FULL DISCLOSURE OF CONTRACT AND UP UNDER CONTRACT LAW is we 're the misleading practices come in but y'all XXXX now way the he 'll is up but try to keep us down and out not his XXXX XXXX XXXX I AM XXXX AND U XXXX KNOW DAT SO STOP PLAYING THE XXXX GAMES YO ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-03-17
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XXXX XXXX NAVY FEDERAL CREDIT UNION, carried out an unauthorized transaction for amounts I directly disputed and DO NOT LAWFULLY OWE and despite this consumer having rescinded his consent XXXX XXXX, to be liable for any unauthenticated amounts. I conditionally accepted there demands for the corrected statement and tendered payment in lieu of cash payment. The company has taken my payment and continues to come after me. The company has failed to follow any thing close to law. This is not a duplicate complaint. This is an additional complaint. How may a company continue to debit my checking account for debt that I have disputed as not owing? I have rescind my consent previously, is there something I am missing? This is organization is a fraud and must be stop, Abuse to veterans with all they have when they are double dipping by taking my discounted coupons and my cash. This is a fraud and represents a grave mistrust to the public.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
These accounts are closed and were sold to another lender. I am not liable for this debt with XXXX XXXX XXXX i do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX Account # XXXX I am not liable for this debt with XXXX XXXX XXXX i do not have a contract with XXXX XXXXXXXX BANK they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX Account # XXXX I am not liable for this debt with XXXX XXXXXXXX XXXX  XXXX i do not have a contract with XXXXXXXX XXXX they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: In progress
Consumer complaint received 2018-07-12
Company: VANGUARD FUNDING LLC
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
In XX/XX/2014, I visited Vanguard to open a roth IRA using this link ( https : //investor.vanguard.comXXXX XXXX ). I clicked on the button that read " open your IRA today ''. After following a number of  prompts and answering several questions, a savings account was created. I wanted to open a Roth IRA, not a savings account. At the time, there was no indication i was not opening a Roth IRA. I was sold a product that I did not want. The process for opening an IRA was misleading and not straight forward. Vanguard has stated that there's not much they can do. My retirement planning is in jeopardy as a result of this event. I have treated the account as a roth IRA in regards to the contributions and never moved money from it. Vanguard did not properly and transparently disclose the product I was purchasing and their sign up process is not easy to answer. It's likely other consumers have also purchased products they did not intend to due to the lack of disclosure.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
As the XXXX XXXX the credit reporting agencies are reporting inquiries on my personal credit report that I not for personal credit request

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 2020-03-10
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, I called Chase Sapphire reserve to request assistance in refunding a XXXX XXXX   flight to XXXX on XX/XX/2020 that I am unable to take due to XXXX. 

The XXXX XXXX policy clearly states that refunds will be issued once flights are cancelled, however, I have been unable to do so ( see below ). 

I first attempted to cancel the flight with XXXX XXXX directly, however, I received a notice that the cancellation has to be done by phone, and every time I have tried to call since XX/XX/XXXX, I have received automated message that they are not taking calls due to high volume. I have also written several email and XXXX communications. 

I called Chase in the hope that they would be able to issue a refund and liaise with the airline directly, as they bill themselves as the premier travel credit card, however, the individual with whom I spoke said that because the flight has not been cancelled she would not do so. I explained that I live with my XXXX year old grandmother and am as such XXXX unable to expose myself to the XXXX  by flying to XXXX. 

XXXX XXXX was able to resolve another flight that I just had to cancel for similar reasons within minutes, so I know that Chase is in the wrong. Can you please help? I realize your office is very busy but I am a consumer who has been wronged and you are my only advocate! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion is reporting that I am delinquent on one of my accounts and reporting overdue payments. The account is for XXXX XXXX which is paid and closed and should be reporting as paid with a XXXX balance.

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 2022-03-17
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2023, I was trying to get cell phone service from a carrier. They said that they needed to run a credit check, so I gave them my SSN. When they ran my credit, my file was frozen. I then tried to unfreeze my credit report through Transunion only to find out that they intentionally banned me from freezing or unfreezing my credit report online, and I have to call them to change the setting for the rest of my life. One of their supervisors said that my account was flagged as " high risk/fraud '' by their system but wouldn't go into further detail. I believe this was because I sued them, but he said that it wasn't the reason. So since they won't give me a real reason, since they have defamed my character, I will be filing another small claims lawsuit tomorrow or possibly take it to federal court. They have defamed my character once again and I will not tolerate it by the slightest.

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 2022-10-17
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-03-31
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:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XX/XX/XXXX XXXX XXXX Balance : {$1100.00}.

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
Consumer complaint received 2018-03-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
For the months of XX/XX/XXXX and XX/XX/XXXX I attempted to pay my mortgage via phone. I went through all the steps necessary to pay by phone for the XX/XX/XXXX payment. I even got a confirmation number and an email telling me my payment was received. A few days later i went to check my account balance and I learned that the XX/XX/XXXX payment was rejected because PennyMac gave the wrong name of the account holder. My mother used to be on the mortgage but she passed away in XX/XX/XXXX. PennyMac used her name to get paid by my bank. I was forced to take a day off to fix the situation. Despite telling PennyMac on numerous occasions to take her name off the new mortgage they have not done so. Again the same thing happened when I went to pay the XX/XX/XXXX mortgage.

I was able to pay the mortgage until the recession of XX/XX/XXXX. I went through a NIGHTMARE to get PennyMac to modify my mortgage. The law firm they hired gave me XXXX. They also told CT bar to spread the word to attorneys not to take on my case because i was a dead beat debtor. i was stupid enough to seek assistance from a Congressman 's office. They offered no help and may have revealed my financial information to my neighbors who kindly told me I was bankrupt and they wanted to buy my property. I survived this XXXX and PennyMac is still engaging in all kinds of violations of the FDCA. Apparently, they are purposely using my mother 's name so they can find out if I have a cell phone so they can tell the police. Please see attached documents to understand police involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate.

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally there is a public record listed that should not be listed on my credit report as the courts do NOT report public record information to the credit bureaus which means that information was illegally posted to my credit report without my written authorization. Unless this written authorization can be provided by each of the credit bureaus this information must be removed immediately. Further the information presented is not accurate and that is further infringing on my rights and a direct violation of the FCRA as the law requires 100 % accuracy on all consumer credit reports. 

XXXX XXXX Bankruptcy | XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: PA
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:
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 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 non-monetary relief