BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: GOLDMAN SACHS BANK USA
State: FL
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:
Goldman Sachs Apple Card has a sad history of ignoring and making it impossible to resolve disputes and frauds. Additionally, their dispute 'process ' is a fake scam where they do everything electronically EXCEPT they require people to print and snail mail documents for disputes placing an unfair, undue and discriminatory burden/roadblock for handling legitimate credit card disputes. Most people, especially lower income people, don't even own printers anymore and/or can not meet Goldman Sachs Apple Card ridiculous timelines. To add insult to injury, after sending numerous documents to Goldman Sachs Apple Card and following up with them, they just claim that they never received them. 

Goldman Sachs Apple Card has an ugly history of abusing consumers. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX https : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: MS
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:
According with the Fair Credit Report Act XXXX  acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX  acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a phone call from a debt collector in reference to a payment on a credit card that I did not apply for, possess, or receive any benefit from. That is when I decided to check my credit report for accuracy. That is when I found out that I am a victim of identity theft. Some criminal used my personal information to fraudulently apply for several credit cards. There are two fraudulent XXXX XXXX credit cards reporting on my credit report that I did authorize my personal information to be used to apply for. I also have received no benefit from them. I have contacted the bank and the credit bureaus and no one seems to be willing to help me remedy this situation.

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 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
I have called entirely too many times to file a dispute at Capital One with XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX, KY. They refuse to reopen a case by Friday, XXXX, XXXX, the deadline, for the dispute where I was scammed. I received and payed for a tattoo to be performed on XX/XX/2023. The tattoo fell apart/off in 3 days. They received PLENTY of documentation of the photos, text messages between the owner and I, as well as proof where I asked the owner to fix her performed tattoo that she failed!! This business keeps denying to open to dispute because XXXX XXXX, the owner, REFUSED TO GIVE ME THE RECEIPT. She said she didnt have the paper for the machine and was having technical issues with her square reader to where she could not email me the receipt. I paid {$1100.00} and theyre refusing to aid me in any way to resolve this and get my chargeback! This place has also closed down and announced it on their social media XXXX page. This is classic scam behavior. Al because I do not have the receipt and they agree I should be refunded elsewise, I cant get my money back and they refuse to do anything about it. I filed a no contact order and this disputes account manager told me that THE ONLY OTHER RESOLUTION WOULD TO HAVE A 3 way call with the person I have a NO CONTACT order against. I told them NO, Ill go to XXXX They said they cant aid me to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-09
Company: KEYCORP
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been scammed by a fake cryptocurrency platform, I have invested to that fake platform, when I wanted to withdraw my money it made excuses and blocked me from that platform, I started researching a bout that platform, I found out that it was fake and I got scammed, I contacted the bank, send emails, calls, I didn't receive respond from bank through email and I received negative responded by calling the costumer service. please see the attach file for more information regarding my complain and my story.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX This companies used my information improperly, without my consent, I applied for business equipment credit lease and they used my personal report instead of my EIN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX I sold my sister 's car to XXXX XXXX for {$3500.00} via XXXX which she transferred to her name at NJ XXXX on XXXX. On XXXX XXXX I received an email from XXXX saying I had lost a dispute which I didn't know I had because the transaction was not covered under XXXX XXXX XXXX. ( see attached ). 
I called XXXX several times over the next several days to try to get some understanding and resolution. 
According to XXXX, XXXX XXXX notified her bank XXXX Bank of America ) that the transaction was unauthorized and requested a charge back which XXXX sent causing my account to go negative. I explained to XXXX about the car sale and sent them the Bill of Sale ( see attached ) but they said it was out of their hands because it was not an internal XXXX dispute but a charge back request for and unauthorized transaction in XXXX XXXX name from BofA. 
XXXX XXXX said she told both XXXX  and BofA that she had authorized the transaction and was not asking for her money back. She said her BofA account was hacked about 2 days before this happened to me. She said BofA closed her account due to suspicious activity so she no longer has an account there and they will not give her any information. 
XXXX says they can't help me and XXXX XXXX will not speak to me because I am not a customer of theirs. I'd really like to get my money back!

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account number : XXXX Transunion To Whom It XXXX Concern : I received a copy of my credit report and to my surprise, you are reporting this account inaccurately. This collection is reporting not only as XXXX, but also shows past due balance of {$730.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

I received a copy of my credit report from Transunion file number XXXX and it showed this inaccurate information. I also noticed that XXXX of the names listed on my report is incorrect. It shows XXXX XXXX XXXX. I do not now, nor have I ever gone by XXXX XXXX XXXX. Anything reporting with that name is fraudulent and should be removed at once. I have asked this before and it has yet to be removed. This name is inaccurate and can be proven by my signature, birth certificate, government I.D . 's, utility bills, and any other means of identification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
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: Account status incorrect

Complaint:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX # XXXX account is reporting 120 DAYS LATE on XXXX XXXX since I requested assistance due to the pandemic. I am shocked that this has happened when I had already been in contact with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, I was told that my account would be fine and no late payments would be reporting. The office of XXXX XXXX XXXX WAS ACTUALLY CLOSED during the pandemic so I am having a hard time trying to understand how the late updates were even reported when no one was even in the building

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 2021-07-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX # XXXX account is reporting 120 DAYS LATE on XXXX XXXX since I requested assistance due to the pandemic. I am shocked that this has happened when I had already been in contact with the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, I was told that my account would be fine and no late payments would be reporting. The office of XXXX XXXX XXXX WAS ACTUALLY CLOSED during the pandemic so I am having a hard time trying to understand how the late updates were even reported when no one was even in the building

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I was offered a gift card of {$120.00} with approval for XXXX XXXX XXXX American Express credit card. I got an email with approval but have not received my {$120.00} gift card. Have tried speaking to both XXXX customer service and American Express customer service. They are giving me a run around. Have been on the phone for an hour today and a few minutes yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Per 15 USC 1681 ( a ) ( 4 ) my rights have been highly violated I would never give you or anyone else permission to violate my privacy Per 15 USC 1681 ( b ) all of these address and false names that are on my report need to be removed the only one that should be on my consumer report is By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX near District Of Columbia XXXX, 15 USC 1681 ( b ) your company did not use matter which is fair and equitable to I the consumer and reporting negative allegations without the written permission from me the consumer, on my consumer report which is a total violation, I would never in any way fashion form of any sort give permission for any negative allegations to be on my consumer report whatsoever, per 15 USC 1681 b ( a ) ( 2 ) you need written permission which you did not have ever at any time on any situation per 15 USC192 ( f ) also per 15 1681n

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 2023-02-28
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 XXXX  Account Bankruptcy, Reference # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 602 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 2021-04-15
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Franklin Collection Service violated the following Fair Debt Collection Reporting Act 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission EXHIBIT A 2. Violated 15 USC 1692c ( b ) ; Communication with third parties ( credit reporting agencies ) EXHIBIT B 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False
representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 11. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.

12. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

13. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 14. IDENTITY THEFT ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

15. ADDITIONAL ASSESED DAMAGES : Defamation of character, lower my score ( not able to get approved for a home loan. EXHIBIT C

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: TX
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:
Certified letters were sent to XXXX, Experian and XXXX requesting a method of verification of items being reported on my credit report the first of XXXX. The items were received by XX/XX/11. I have yet to receive the method of verification and due to them not complying with the FCRA, the items must be deleted based on the credit bureau 's lack of compliance with the method of verification. If these items are not deleted, I will be pursuing legal action. 
The accounts in question are XXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX. Below are the tracking numbers of the certified letters sent out. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached is a copy of the letter sent out to the bureau 's. One was sent in regards to each account needing verification.

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 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 companies involved is XXXX XXXX and Transunion. I recently request my credit report from free XXXX XXXX and it's a lot of aliases on my report, old addresses, phone numbers, old employment and inquiries that i never even made. The credit bureaus are reporting information that's not associated to my account. For instance, there's an address that's on my account that's 7 hours from my home address. All of these incorrect items are stopping me from getting a home, car, etc. I would like for the incorrect items on my report to go to it's rightful owner. The credit bureaus are using public record to look up my name and end up attaching someone else file to my credit report. Please investigate the negligence of the credit reporting agencies

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 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been trying remove this credit account from my credit score because it had been affecting my credit score by a lot and I called capital one but they cant help me and say they dont see the account under my name. I have no idea whos account that is and why I am the authorized user. This has caused my credit score to drop my 90 points in two months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Cascade CISS Holdings, LLC
State: LA
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:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX  for review or collection.

Company response to consumer: Closed with explanation