BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
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:
On XX/XX/XXXX I ran across an advertisement for XXXX XXXX XXXX XXXX claiming this LLC would help a person obtain their Vehicle Dealers License, the owner directed me to the companies website at XXXX based on the services the owner, XXXX XXXX he told me that I qualified for the Skinny Package for {$2400.00}, I told him I already had an office, and my own XXXX, so he I didn't need those particular services rendered to me by his company and he verbally agreed. 

XXXX XXXX, advised me to purchase the " XXXX XXXX '' on line and stated that I would receive the following services, ( 1 ). Dealer App Review, ( 2 ). Occupational Expedite, ( 3 ). City Business License Expedite +Fee, ( 4 ). Bond Referral and ( 5 ). A XXXX XXXX. XXXX XXXX insisted that I pay with Apple Pay, but I I told him that I only had an Apple Master Card, I paid the full price of {$2400.00} and 2 months had passed without XXXX XXXX rendering me any kind of service. 

I immediately disputed the transaction with my Apple Card service provider, on three different occasions, ( 1 ). on XX/XX/XXXX, ( 2 ). XX/XX/XXXX and ( 3 ). XX/XX/XXXX. I have proven that no service has been rendered, by XXXX XXXX XXXX XXXX and XXXX XXXX couldn't provide Goldman Sachs with a Lease containing my signature since I told him in advance that I already had an Office Space. Goldman Sachs aka Apple Master Card has yet to clear this dispute or render a decision in my favor. 

I went to the XXXX XXXX Police Department to file charges, and met a Woman there for the same reason, only difference is that XXXX XXXX XXXX XXXX charged another consumer {$11000.00} for the same service they claimed to have offered me and they told us that both cases were civil.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.

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 2023-02-20
Company: SYNCHRONY FINANCIAL
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:
SYNCB/PAYPAL is an inquiry that is reporting on my account that I did not authorize and is fraud. I contacted XXXX multiple times to report as fraud. I called PAYPAL and they said this is not a INQUIRY from their company and is falsely reporting on my credit report. I also submitted a fraud alert on Identitytheft.org to no avail. This INQUIRY from SYNCB/PAYPAL is fraudenlent and should be removed from my XXXX credit report. No one knows where this fraudenlent INQUIRY stems from or can validate where it came from? PLEASE DELETE this inaccurate information from my credit report. The INQUIRY date reported is XX/XX/2022. The type of INQUIRY is XXXX XXXX XXXX XXXX There is also no phone number provided. During the dispute process XXXX provided me the phone number for this INQUIRY and I called PAYPAL and they said this is not there INQUIRY and they did not authorize this INQUIRY. I don't even have a PAYPAL account. PLEASE HELP!

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 2023-03-09
Company: JPMORGAN CHASE & CO.
State: TX
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card pen-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: DC
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 have sent multiple written certified letters asking for these inquiries to be verified. No response it has been over 45 days. There is no permissible purpose items have not been validated XXXX 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. I have no knowledge how the theft took place. I also have no awareness of any suspects. I did not obtain any money, goods, or services as an outcome of identity theft. Please inform me if you want any other material from me to block this information from my credit report 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 2023-01-20
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I received an alert from my credit monitoring service that there was a new collection of {$1600.00} being reported by " XXXX XXXX '' from a physician that I have never been to, never been contacted by, and never heard of. The original collector is " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and is located in XXXX XXXX, Tx and I live in XXXX, Tx over 4 hours away. After researching this physicians office, I learned that the address and picture is to a restaurant in XXXX XXXX has no website and reviews are full of people complaining about the same thing I am reporting to which is a fraudulent scam. 
Transunion has reported that the account was " Opened '' on XX/XX/XXXX with the " report date '' and " date of last activity '' of XX/XX/XXXX. On the other hand, XXXX has an " open date '' of XXXX, a " report date '' of XXXX, and a " date of last activity '' of XXXX. 
This dates have obviously been falsified because it has not even been a year of this company trying to collect a debt from me and the dates do not match up.

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 2020-03-23
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern, I am writing to complain about Citi bank and their lien release department. Here is my problem. In 2011, I bought a home that was in foreclosure. The property is XXXX XXXX XXXX, XXXX, Texas XXXX. Now, I would like to sell this home, and I have a buyer who has given me a fair offer. However, I can not get a clear title on the house so the sell can be completed because of a lien the previous owner had on the property. I don't have the loan number because it was my loan. I did not take a loan to buy this house. I paid that loan off and own the house free and clear and hold the deed. The title company has been calling Citibank for weeks and is only getting automated responses. I have tried to call and speak with a representative only to be told that they can't help me, can't give me the number to lien release department, that there is no manager that I can speak with, and that they do not have an office of the chairman with whom I could file a complaint. I have called the county courthouse where the house is located and the county clerk confirms that they have received nothing from Citi bank. So I am about to loose the sale of a house that I own outright because of a lien under someone else 's name, and Citi bank has been utterly negligent and unresponsive in this matter.

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 2023-08-14
Company: National Credit Systems,Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit System Collection reporting a debt to the credit bureaus says that I owed in the {$3800.00}. I received a copy of my credit report and found they are reporting this inaccurate item ( online credit report ) I contacted the above mentioned agency by phone and writing said debt belongs to me. 
Contacted the Original Creditor by phone XXXX XXXX XXXX at XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX Iwas told I owed debt. I do not owe the debt and I want its delete from my credit reports.Its hurting my character. Date report to credit bureau XXXX XXXX in the amount of {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
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: Investigation took more than 30 days

Complaint:
I wrote them requesting an investigation into items that I believed were not right I have not received a reply from you or any acknowledgment that an investigation has begun.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 # 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 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 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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX  Accounts, has violated my rights. 

15 U.S.C 1681 section 602 A. States There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

15 U.S. Code 1681c Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

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 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/23, someone used my information to fraudulently apply for a credit card with capital one. i had a credit freeze in place so i received an alert about a credit inquiry. i called capital one immediately. 

this happened again on XX/XX/23. it happened a XXXX time also on XX/XX/23. 

i had to spend my valuable time calling capital one multiple times to make sure the credit card applications were shut down and request that capital one open investigations to prevent this from happening moving forward. yet it happened a XXXX time after i initially called. 

calling capital one is very inefficient and their initial customer service team members are poorly trained. there is no direct # easily found to get in touch with their credit card fraud department. i was transferred multiple times and had to be on the line for over an hour. very frustrating!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: Credit Karma, LLC
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 had a credit score of XXXX and I woke up the other day logged into credit karma that Ive had for 4 years and my score was from XXXX to XXXX, its impossible I have no debate no credit cards no loans, and have always worked hard on disputing any hard inquiries. I want to put a lawsuit on this company Im having traiuble and I suspect of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/22 I tried to send a {$350.00} XXXX  transaction to my friend but Truist sent me a message saying that the transaction did not go through but took the funds out of my account and will not give me my {$350.00} back. I have called Truist everyday but no one will help me nor will they put a supervisor on the line so I can take care of this. Ive been left on hold by an agent name XXXX and she never returned to the line for 1hour and 30 mins. Ive called in and asked to speak to a supervisor and was transferred to the beginning of the Q to wait another hour by and agent name XXXX. They have the worst customer service ever. Ive never experienced anything like this before. They will not give me my funds back and not sure what else to do.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX Balance : {$2900.00}

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 2023-03-07
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
EXPERIAN YOU HAVE BEEN FURNISHING INACCURATE INFORMATION ON MY CONSUMER REPORT I INSIST YOU REMOVE ALL ERRORS ON MY CONSUMER REPORT SO MY CONSUMER REPORT REFLECTS 100 PERCENT ACCURACY! ITS YOUR DUTY AS A DATA FURNISHER OF INFORMATION TO HAVE ABSOLUTE ACCURACY ON MY CONSUMER REPORT!. ( ( SEE ATTACHED DOCUMENTS ) )

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 2023-03-07
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I paid Synchrony {$1000.00} XX/XX/2023 and gave them authorization to debit {$2700.00} from my card on XX/XX/2023 I was given confirmation numbers of both payments. I called a week later to make the final payment 2weeks early and was told they no longer had my account and that it was in collections. I asked how can it be in collections when u just got {$1000.00} from me less than a week ago? They refuse to send me confirmation of the {$1000.00} payment. They refuse to correct this on my credit report. Synchrony accepted payments from me, my account isnt a charge off nor is it closed. I have called three times so far asking to have the status of my account corrected and requesting proof my account is paid in full. They claim they emailed it. I said I hv checked Spam, inbox etc. I have received nothing. I even asked for a letter they told me dont do that. But if I owed money theyd send me a letter. I asked to speak to a manager. Have not heard back. Synchrony received payment. I paid {$3700.00} and they will not acknowledge the debt was paid in full, no settlements the full cost of the debt is paid in full.

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