BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-15
Company: Medical Data Systems, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has been non-compliant with removing the unverified account MEDICAL DATA SYSTEMS INC Date opened XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MEDICAL DATA SYSTEMS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2020-08-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I don't really care if they have the right to close your account. Banks don't have a right to hold your money hostage. We the people have the right not to keep our money in their bank if that is how they feel about us! We have a right to protest against their unfairness & abusive tactics! It's our business that keeps them in business! They are only hurting themselves when they do close peoples accounts. They are also hurting me because I can not pay my bills because they don't care! they just don't care! Especially during this type of virus pandemic with usaa closing my account & not letting me have access to my money during this pandemic! I hope they XXXX XXXX   XXXX  & XXXX! Since they are trying to make me XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: WA
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:
Refer back to claim XXXX After XXXX closed my long standing account, they denied me another credit card based on lack of FICO score, I followed all the advise on getting a secure credit card from my bank, XXXX Preferred XXXX XXXX I had to loan myself {$10000.00} and open another credit card. They also said I should obtain 3 credit cards, and use XXXX XXXX and other electronic paying methods to increase my FICO score. 
Why does FICO have all this power??? I'm XXXX XXXX XXXX, have always paid all my bills. I have money to buy whatever I want. Why do I have to juggle all this XXXX to increase a CREDIT SCORE. Why doesn't my hhistory of paying all bills in full for years count? And not owing money. WHY DOES THE US GOVERNMENT ALLOW THESE XXXX  TO CONTROL OUR CREDIT? Why doesn't my record, plus my income and investments count? I've worked hard to simplify my life. All income is automatically sent to my XXXX electronically, the XXXX is linked to my XXXX investment company and all income and bills, including electronically/auto pay of my ONE credit card. ( was only XXXX, now XXXX ) and my bills are auto paid by my XXXX XXXX. Which is electronically paid by my credit union. My new credit card from XXXX is now limited to {$8000.00} which does hardly pays even one cruise. My old account had a {$25000.00} limit. I'm fully retired can afford to travel, have assets in excess of a XXXX dollars yet I can not get credit. WHY IS FICO AND THE GOVERNMENT RUINING MY RETIREMENT TRAVEL PLANS??? Why has the government given them that power.? 
I'm also being bombarded by every credit agency, via emails and in my mail offering in increase my credit and " offering '' me special deals. This has turned loose an avalanch of XXXX  and I hate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My 11 year old computer died and I went online to apple.com to buy a replacement one. Their site advertises that you can get an Apple credit card with 0 % APR for the first 12 months and pay off the computer. When I tried to redeem that offer, their Goldman Sachs website came back and extended a {$2500.00} credit limit, which does not cover the cost of a computer on their site. I called in to get the limit increased to {$3200.00} because I make {$320000.00} a year and have a XXXX credit rating. When I called in, their representative told me the only way to request a credit limit increase to cover the cost of the computer was to accept the credit card offer and open an account. So I did. He told me the next day I had to call back to request a credit increase. There was no other way to get an increase on the application. I have just done that, and despite making a high salary, having zero credit debt and having an excellent credit score, Goldman Sachs / Apple has denied the application and not giving me a reason. It is deceiving marketing, and their representative deceived me into opening an account, which has now hit my official credit record. I literally just needed an {$800.00} dollar increase, and have a perfect payment history on my credit for 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Block, Inc.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was fraud scammed by a phone number who called me pretending to be a federal agency saying that my identity was being used and am trying to recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$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 2023-10-02
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Sub-product: Store credit card
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 a letter dated XX/XX/XXXX synchony bank states that they must report accurate to the credit bureaus according to the fcra, However my question to them is where in the fcra does it state that account must stay on a credit report for 10 years. 

my point is the account is closed why does it matter to you if it stays on the report? 

it was paid and closed in XXXX of XXXX. 
this account is hurting my average age of accounts thats why I am requesting it to be removed.

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 2023-01-01
Company: The CBE Group, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got XXXX statements form The CBE group saying I owed money to the us department of the treasury. I have no idea or clue to what this is for. I receive my medications from the XXXX XXXXXXXX and I pay my balance online to gov.pay. All my taxes are paid and current. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Experian Information Solutions Inc.
State: NJ
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 having an issue with the way that XXXX XXXX XXXX is reporting my status on an active auto loan. I ran into a temporary financial issue at the end of XXXX that led to my loan being late for a few months. And as a result, my account did report late. I later recovered and caught the account back up by XX/XX/XXXX. The problems with the reported account status started, once the account was brought current again. As previously stated, my account was brought current again in XXXX. However, they did not update my account as current again until the month of XXXX. And since that time, I have continued to make on-time payments each month, but XXXX XXXX has only updated the payment history of this account through XXXX. I have now made eight on-time payments to XXXX XXXX since XXXX. However, XXXX XXXX continues to report that the account was still late in XXXX and XXXX, when it was not. And furthermore, the only way I can recover from the late payments with my credit score, is by re-establishing my good payment history. But XXXX XXXX just doesn't report them. I am now eight months removed from my last late payment, but on my credit report, XXXX XXXX is reporting that I am only two months removed from the last late. By erroneously reporting lates in XXXX and XXXX, combined with not reporting any additional payment history on the account since XXXX, it appears that my account was late just two months ago. Again, this account has been current for eight months now. XXXX XXXX was really quick to report my account when it was late. But for whatever reason, they now refuse to update my account properly.

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 2018-08-21
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Barclay bank has reported my XXXX account as delinquent, for 30-59 days when i have made my monthly payments on time, my last payment was on XX/XX/18.

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 2022-12-28
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX payments sent several times before but in XXXX - XXXX the funds were not received by the recipient. The bank shows it being withdrawn but cant say where is went. The money is missing from my account and not received by the recipient as it usually does. Nothing changed from one transaction received to the ones that didn't. The bank doesn't know and says call XXXX  and XXXX says to call the bank. Where did the funds go

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: AR
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 am writing to express my deep frustration and disappointment regarding the persistent presence of fraudulent items on my credit report, despite my numerous attempts to have them removed. I am deeply concerned about the impact these inaccuracies are having on my creditworthiness and financial well-being. I hope that this letter will bring the matter to your attention and lead to a swift resolution. 
I understand that the removal of fraudulent items from a credit report is crucial to maintaining the integrity of the credit reporting system and protecting consumers like me from identity theft and its consequences. Despite my efforts and your obligation under the Fair Credit Reporting Act ( FCRA ) to promptly investigate and correct inaccuracies, these fraudulent items persist on my credit report. 

I kindly request that your bureau take immediate action to thoroughly investigate and remove the fraudulent items mentioned above from my credit report. Furthermore, I request that you provide me with a written explanation of the steps taken to rectify these inaccuracies, along with a timeline for their removal. It is essential for me to have a clear understanding of the resolution process and its expected duration. 

Should these fraudulent items continue to appear on my credit report without any action taken, I may be left with no choice but to explore legal remedies available under the FCRA and other applicable laws. The following fraudulent items should be deleted immediately by the credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
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: Their investigation did not fix an error on your report

Complaint:
FROM : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reference : XXXX Account # : XXXX I paid my account in full on XX/XX/2019 and the account was closed. 
XXXX  XXXX reported me 30 day late for XX/XX/2019. 
Please review attached document as the document from XXXX  XXXX shows account was paid in full and account closed XX/XX/2019. 
Please follow-up with XXXX  XXXX and have them update the credit bureaus with the actual data for this 30 day late inaccurate reporting on my 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 2023-06-23
Company: EQUIFAX, INC.
State: MN
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:
This credit bureau continues reporting missed payments against me on an account under XXXX XXXX XXXX XXXX. I have attached a copy of the late payment forgiveness letter I received from the XXXX XXXX. The credit bureau needs to update everything to 'Paid as Agreed '. I have never missed a payment on my credit reports ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: SLM CORPORATION
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:
Sallie Mae has incorrectly marked payments I made on time, as past due. They admitted their mistakes weeks ago and said it would be rectified come the next billing period, which it has not. As a result, my credit score has severely suffered. When I call Sallie Mae, they consistently transfer me to different people where I have to start from the beginning and explain my situation once again. I have requested tangible confirmation through email or USPS and they have refused each time. They tell me they will fix the situation by a certain date and then nothing is done and I have to start all over. It has been going on for months. I am at the will of their collection agents. I have made my payments consistently even in extreme financial hardships. They refuse to let me make payments based on my financial expenses and income and XXXX me with interest. At this point I just don't now what to do. I spend hours calling them each day and get no where. They disconnect my calls and I can never find my way back to the same agent. Please help me!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX is a third party LLC who take information from Secondary companies and post it to their website against the ORIGINAL CREDITOR knowledge. 
XXXX XXXX is committing AGGRAVATED identity theft. 
XXXX XXXX is committing FRAUD and related activities in connection with identification documents, authentication features and information, KNOWINGLY! 
XXXX XXXX does NOT have permissible purpose. 
All of these violations stated above are just a FEW laws that XXXX XXXX has knowingly violated. 

I, XXXX XXXX am the original creditor. 
I, XXXX XXXX am the only one who dictates what goes on my consumers credit report. 
I, XXXX XXXX did not and never will give XXXX XXXX my written consent to report anything negatively to my consumers credit report. No consent is IDENTITY THEFT! 
XXXX XXXX retrieved information from someone else other than myself, which is FRAUD! 
XXXX XXXX has sent emails from TRANSUNION, XXXX, XXXX credit bureaus FOR XXXX XXXX. 
All parties are liable and are in connection with committing numerous codes in which they have knowingly violated. 

XXXX XXXX, as a consumer I am demanding you to please send me a copy of my handwritten letter giving you my written instructions to report any of this to my consumers credit report. You can send me my handwritten copy to : XXXX A copy of a FEW of the laws that you violated will be attached to this letter. 

XXXX XXXX is abusing their companies by committing numerous of crimes. 

XXXX XXXX, you have stolen my identity along with every other second LLC. 
You are in violation of the following codes : 15 USC 1681b ( 2 ) 18 USC 1028 15 USC 1602 ( a ) ( b ) & ( g ) 15 USC 1681 ( a ) ( 4 ).

XXXX XXXX has to be stopped!

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 2021-09-26
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt was placed on XX/XX/2017 with a balance of {$3200.00} that i dont know this company.

Company response to consumer: Closed with explanation