BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Banks Involved - XXXX XXXX XXXX : XXXX XXXX, - XXXX : XXXX  bank that works with XXXX XXXX XXXX to wire funds - Apple Savings : Goldman Sachs bank that works with XXXX I sold my companys stock through XXXX XXXX XXXX and started a wire transfer to my savings account ( Apple Savings, through Goldman Sachs ) Date of stock exercise : XX/XX/2023 Date of sent funds : XX/XX/2023 Amount : {$10000.00} I didnt realize that Apple Savings account didnt accept wire transfers, so I called Goldman Sachs XXXX XXXX them know that this was a mistake and to please reject the funds so it can go back to XXXX XXXX XXXX XXXX 

I was notified by XXXX, multiples times, that their system automatically rejects any incoming wire transfers and that the funds shouldve been returned. They provided an IMAD number and that the funds went back to XXXX. 

I called XXXX XXXX notify them about this auto rejection, and they started a recall funds process. 

XXXX XXXX XXXX through XXXX has not been able to contact anyone at Goldman Sachs to prove that they have returned my funds. I call Goldman Sachs to investigate how I can prove that the funds have been returned and they say that they dont have a way or a team that XXXX XXXX XXXX can reach out and talk to directly. 

The funds have no been returned and Goldman Sachs is refusing to help find the funds further because according to their XXXX theyve already done the investigation and theres nothing else they can do. 

XXXX XXXX XXXX has provided me with a XXXX codes to prove that they sent out the money, but XXXX is refusing to help further investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX of 2022 a store card was opened in my name without my consent or knowledge, completely unauthorized by me, by Ulta Beauty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
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:
This is a fraudulent debt that was not originated by me. I feel taken advantage of as this fraudulent account is damaging my credit reputation.

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 2023-12-09
Company: EQUIFAX, INC.
State: TX
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:
Recently I got onto the Equifax website when I heard about the Equifax information breach and entered my name to find out I was affected which explains all of the errors that are on my report at the moment and the absolutely absurd amount of hard pulls that are on my account that I've been trying multiple times to get corrected with all three companies. This is completely destroying my credit but in this complaint I will list the hard pulls that are not mine that I need to have removed immediately upon receiving this information as I am literally in the middle of trying to get into an apartment and I was just turned down for one and no fault of my own. I have multiple issues on my credit report right now and it's probably taking it down about XXXX points so I need to get this fixed ASAP. I will provide the information I received from Equifax proving I had my identity stolen from their site and I will list off the hard pulls that are 100 % not mine I never approved them I never asked for them but they are on my credit report. 

Hard pulls to be removed : XXXXXXXX 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  Now that's got to be a red flag number of hardpulls. What I get from that info with some hitting 2 times in the same day for the same company Is somebody was trying to purchase a vehicle with my information. I can not believe you guys let our information get out like that. I have so much more that's wrong with my account but this really makes me nervous seeing this as I'm listing them out I'm just realizing what this actually means. I will follow with another complaint to list out other things that I've been trying to get off my report that you guys have been refusing to even look into and just reject immediately for whatever reason. Even though the entire time it's not been mine as I've said it each time. Please remove these immediately upon receiving this information as it is incorrect and I do not need nor deserve this on my credit report I have not earned this to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: NC
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 got a letter in the mail about a credit card I was supposedly applying for, but I havent been. After running a credit report check, I actually noticed several accounts that were not mine. I immediately contacted the companies ( XXXX XXXX XXXX ) to close any accounts & dispute all charges. I spoke to XXXX in XXXX account protection division on XX/XX/XXXX, in order to close that account. No documents were requested by the company, but I did ask for a confirmation letter stating that this account was not opened by me & that I would not be responsible for any charges made to it. I was told that I would receive that letter in the mail within 14 days. Today, Experian emailed to let me know that XXXX investigation is closed and they claim it is my account. It is not my account, nor are any of the XXXX others that have been opened or tried to open in my name. Im not sure how much of an investigation was done, but I was not contacted again for any further information. I was only asked to verify personal information & if I had shopped at the store before.

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 2023-12-21
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I want to be part of the class action lawsuit because I was job less then they added late fees and penalties and also uped my mortgage without notice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-07
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Macys/citi bank credit card company XX/XX/XXXX  closed my account for the amount of XXXX . The amount was paid in store and my account was still closed.

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 2023-12-09
Company: EQUIFAX, INC.
State: FL
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:
This is my second 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 items. 
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 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 2023-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2023 I place an order for a mobility chair with XXXX for {$42.00}. After ; waiting for quite a while, I finally received notice from USPS that my item was undeliverable and to come to the Post Office to pick it up. The reason they couldn't deliver it was because the sender did not include postage for it. When I got to the post office they showed me a small padded envelope that contained a box the size of an index card. I would have to pay {$5.00} postage if I wanted to take the package. Knowing it wasn't a mobility chair I declined and the PO didn't offer me anything to show that I declined the small package. On XX/XX/XXXX, I called Capital One to file a dispute on the purchase saying I had not received what I ordered. Capital One immediate gave me a temporary credit for {$42.00} on my Capital One card. On XX/XX/XXXX I received an electric correspondence from Capital One that they had requested further information on the transaction and I didn't respond. I did not receive a request for further information. Capital one then reapplied the charge of {$42.00}. I had to scan and digitize the info I had and send that back to them. I received an electronic notice from them that the information I had sent did not fulfill their requirements to receive a credit. I had made phone calls all through this to see what I needed to do. My problem is that Capital One advertises any problems with purchases they will work with me to get an answer. In the meantime, the only way to correspond to XXXX was through email and the last few attempts would not go through. Capital One said to contact the company for further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I paid off an installment loan. 

Fifth Third Bank After the loan was paid off, the online account was immediately closed, and all records were removed. 

The following two days, scheduled payments that I could not cancel because they deleted the account continued to be withdrawn ( one of which I stopped from another bank ). The bank is saying they have no records of these withdrawal attempts, and I have to provide proof from my other bank because they didn't keep records of the additional attempted ( one of which was successful ) transfers. I was powerless to stop these because they had already closed my account. 

In short, Fifth Third Bank succeeded in withdrawing {$1500.00} from my checking account after the installment loan account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I'm an XXXX member, they sent solicitation emails asking to open a credit card ( offer XXXX bonus points plus earn {$100.00} in statement credits ). I applied, I received a letter indicating they thought my application was fraudulent. I emailed and sent the information and was told the same thing. I then called and sent my identification again. Months later, I have not been approved. They took my personal information and have not held up to their terms of their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXXXXXX  I had defaulted on a car loan. The car ultimately was repossessed in XXXX of XXXX. The debt was then sold in XXXX. Both XXXX XXXX XXXX and the new debtor are displaying inaccurate information on my credit report. Both of them are not showing historical data from XXXX  and XXXX  to make the account stay on my credit longer than it should.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. I value my relationship with the Creditors, and I am committed to making timely payments moving forward. 

I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

XXXX XXXX XXXX XXXX  XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX  XXXX customer service XXXX XXXX XXXX XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service. 

XXXX XXXX XXXX XXXX  XXXX - This account was NEVER late. 
The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service XXXX  XXXX - I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX  XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX - The late payments on XX/XX/2023 and XX/XX/2023 are inaccurate! The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service I appreciate your time and consideration in this matter. I understand the importance of maintaining a positive credit history, and I am committed to working collaboratively with the Creditors to rectify 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 non-monetary relief
Consumer complaint received 2024-01-18
Company: Experian Information Solutions Inc.
State: MO
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:
Still working on this while closing 3 others today with the same issue. This fraudulent company is a predatory company that needs to be held accountable AGAIN, GIVE BACK Y CREDIT HISTORY

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 2023-11-16
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit 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:
Another credit card from Synchrony bank slashing my credit for NO reason! 
Reasons given were inaccurate or outdated. Report sent to them by email with no response. Instead they just slash more and more of my credit cards.

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 2023-12-11
Company: EQUIFAX, INC.
State: FL
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 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
Consumer complaint received 2023-12-28
Company: Cliff's Finance Co., Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Went to cash a check at cliff check cashing store and representative there stole my check and attempted to collect a debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: FL
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 hope this message reaches the appropriate department. I am writing out of frustration and concern regarding the recent closure of my complaints, indicating that all disputed information on my credit report is correct. I find this conclusion confusing, especially when there are evident discrepancies among the reports provided by the different credit bureaus. 

I am truly exhausted from attempting to articulate my concerns, and it appears that my letters are not being thoroughly reviewed. The inconsistencies among the reports from various credit bureaus are causing immense confusion and frustration on my end. 

I urge you to reevaluate my case with the utmost diligence and attention to detail. I am seeking a swift resolution to address the discrepancies and inaccuracies on my credit report. I believe in the importance of accurate credit reporting, and it is disheartening to experience such challenges in rectifying these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: PA
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:
Remove this account listed below in accordance with FCRA 1681b ( a ) ( 2 ). 

Please remove this account. 

XXXX XXXX. 
Additionally, Title 15 U.S.C. 1681 Section 602 States I have a right to privacy.

Title 15 U.S.C. States a credit reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: Experian Information Solutions Inc.
State: MO
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:
6 complaints responded to in less then 5 minutes by experian computer generated responses proving yet again this crooked fraudulent company is doing this in retaliation for me filing these complaints

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 2023-12-08
Company: EQUIFAX, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account : XXXX  XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief