BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-16
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to 15 USC 1692a ( 3 ), I, am the consumer. 

Each month, Goldman Sachs sends a statement, alleging that i owe a debt. Pursuant to 15 USC 1692b ( 2 ), a debt collector shall not state that a consumer owes any debt. Pursuant to 15 USC 1692a ( 5 ), debt is an obligation or an alleged obligation to pay money from a credit transaction. Pursuant 18 USC 8, that obligation of debt belongs to the United States, not I, the consumer. 

On Thursday, XX/XX/2021, I sent Goldman Sachs an affidavit of truth, affirming my consumer rights and stating all violations they have committed. I also sent a cease and desist, demanding they stop all communication regarding this alleged debt, through any and all mediums, affirming my rights and requesting my specified remedy, pursuant to 15 USC 15 USC 1692c ( c ) ( 2 ). I also sent exhibits, highlighting and labeling the violations committed ; as well as sending a XXXX XXXX XXXX, calculating all the violations committed, assessing these damages, pursuant to 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: AZ
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:
Hi I have numerous emails going back and forth with XXXX XXXX XXXX regarding the credit builder account that they continually tell me that its closed but is showing open on my report. Ive asked for resolution Ive asked how to pay and resolve but nothing has been done I dont what theyve changed but they say theyve changed the report but it shows the same. Over 30 emails back and forth with no resolution I have messages since XX/XX/23-until present Ive been communicating. Theres a balance of XXXX dollars and no way to resolve the situation according to them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
It all started when I thought someone got my card number and charged on it but it was a miss judgment but the card was canceled and a new one issued. I had a payment due so I looked up what I thought was the address of where the payment was supposed to go so I entered it in my bank payment page on my banks app and made a payment of {$250.00} dollars ahead of time. I got a notice that the payment was coming up due and they claimed that they didn't receive the payment yet so I made another payment for XXXX dollars to stay current. I made the payment on the phone with Citi bank and I asked her why they didn't receive my first payment, I gave her the address I sent it to and she confirmed that it wasn't their preferred address but it still was their address. She then sent me to their lost payment department and filed a complaint, she put the payment against my account but I had 10 days to get her proof of payment which I called my bank and they sent me a copy ( in a email ) of the check that they sent I offer to send it to citi bank in a email but she didn't want that she wanted it to be mailed. I said to her that with the post office it would be lucky if it got there in 10 days. She said mail it so I printed it out and mailed it. After about XXXX weeks they took the XXXX dollar credit off of my account and said that the picture I sent wasn't clear enough. I then went to my bank and had them print out the check copy and sent that one. In the mean time I had another payment coming due and when I was talking to the first lady she gave me the right address so I changed it on my bank payment account. I sent a payment ahead of the statement because it was late getting to me ( email ) I sent XXXX dollars I finally received the statement and the payment was like XXXX dollars somewhere around that so I sent a addition XXXX dollars well before the due date. I then got another notice that they haven't received any of the 2 payments so I went on to their app signed up for bill pay and made a XXXX payment which was credited to my account. Now as to this day they have been dragging their feet on the payments I called her again and asked her where my payments are I have another payment coming up due in a week or 2 and I am going to use my bank I am paying for bill pay though my bank account for the convenience so I am not going to be going to all the different accounts to make payments when I can do them all though my bank. They to this day have not found the XXXX dollars ( 2 months ) or the XXXX dollars ( 1 month ) they surprise surprise found the XXXX dollar payment and that one was made after the XXXX dollar one. 
I need help I am getting nowhere with them. 
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 explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed there are lots of accounts on my credit report that does not belong to me

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 2021-10-17
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 status incorrect

Complaint:
I would like to open a credit dispute with XXXX  XXXX, XXXX who reported a delinquent payment on XX/XX/2021 to the credit bureaus which caused my credit score to plummet XXXX points to an unfavorable rating. I requested a payoff in mid XXXX and was sent a payoff letter and payoff was made on XX/XX/2021. This action has caused harm to my credit and I am unable to apply for another loan. I would like the record corrected, the delinquency removed and for your company to stop incorrectly reporting. I have reached out to the 3 bureaus and they said they only report what they are given from loan care. My wife has spoken to loan care twice and they are claiming they did not report this loan as delinquent. Both parties are pointing the finger and we are the damaged parties. I want this issue escalated to a second level supervisor and the department that reports out the credit file information. This has caused irreparable harm to our credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CITIBANK, N.A.
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:
Citibank keeps reporting a charge off on all three credit bureau since XX/XX/2019 and still reporting today. I have sent in multiple complaints to rectify this situation. This is not my account and I would like for it to be removed. The company states that this is my account and has been verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Collectibles Management Resources
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a victim of fraud regarding accounts with XXXX XXXX XXXX XXXX Collectibles Management Resource. I was sold a motorcycle that was stolen. XXXX XXXX XXXX allowed a stolen vehicle to be finance. The lack of security and verification from operating XXXX XXXX cost me financial burden. Now my credit is impacting me financially and emotionally from this. I filed a police report and complied with all parties during the incident. Please delete this negative reporting from my credit asap. The police report number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
2 months ago I was scammed XXXX by using the post office driven web site to change address. The US post office knew about the hack on their site but said they couldnt fix it. BMO bank reimbursed me for the scam and then took the money back 2 months later. My complaint is with the post office and BMO bank for not taking care of their consumers

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 2023-08-03
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
Recently, I did an investigation on my credit report which is caused XXXX  XXXX upon and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were % 100 accurate under 15. U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : $ {$200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39.00} ; XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint on XX/XX/XXXX because my credit file has been compromised with identity theft / merging of credit files with my father ( XXXX XXXX XXXX ), me ( XXXX XXXX XXXX, XXXX. ), and my son ( XXXX XXXX XXXX, XXXX ). My credit report even shows my son 's birthday on my file ( see attachment ). My father 's name is still listed multiple times on my credit report. I also submitted FTC report due to my credit appearing to be used because I see accounts that have never belonged to me. Equifax responded they needed more time on XX/XX/XXXX. Equifax mailed a letter to WHO WAS SUPPOSED TO BE ME dated XX/XX/XXXX asking for two forms of identification. There are two major errors with this letter.

1. Equifax PROVED that my credit file has been compromised by stating the name of MY SON ( XXXX XXXX XXXX, XXXX ) on the letter instead of MINE ( XXXX XXXX XXXX, XXXX ). Please see attachment of this letter which was their response requesting additional documents after MY complaint. My son has never disputed anything. 

2. I've sent in a copy of my ID and bill showing my current address to Equifax multiple times. What is Equifax doing with my information?? Please see a copy of my ID and the la

st proof of residence sent to Equifax. Also, I've called Equifax multiple times and the last representative stated t
hat he saw something was not right about my report. He actually stated he was submitting it for " maintenance '' ( whatever that means ). I even my identification and utility bill AGAIN by the request of this representative of Equifax on XXXX. Please attachment of letter and proof sent. 

My credit report on Equifax website is showing false information as if it all has been deleted already and Equifax stated they don't see that report on their end. How???? It's Equifax website. Please see the false information they are showing me as if my credit is perfectly fine knowing they still have those false accounts on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX and I have recently discovered that I have become a victim of identity theft. I am writing this personal statement on behalf of myself. My information was utilized to apply and/or obtain financial goods and/or services without my knowledge or consent. I am requesting that the following information be removed from my accounts immediately ; XXXX CARD SERVICES, XXXX, XXXX. I am a victim of identity theft and did not make these charges nor did i authorize or approve these accounts to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, 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/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
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:
On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX I received a notification from XXXX that Credit Management LP flagged my account as Collections. The company that claims the debt is XXXX. After calling Credit Management LP and XXXX I learned that someone opened an account under my name for service at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX on XX/XX/XXXX. The amount of the debt is {$2300.00} I have lived in XXXX for more than 15 years, I bought the house I live in XX/XX/XXXX and have never lived in XXXX. 
I made an ID theft report to the XXXX Police department, report number XXXX. I also sent a report to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was trying to sell a couch through XXXX XXXX yesterday XX/XX/2033. A scammer pretended to be a buyer and said she would send money through XXXX but then we had to send money first to XXXX  to XXXX business. We received several emails from what appeared to be XXXX  on what to do. We sent {$320.00} to their XXXX  account and received instructions to send more money. Realized it was a scam and called bank ( chase ) who was unable to cancel transaction and we submitted a claim and they opened investigation. Investigation has been closed with no further action being taken. Also made report with XXXX but have been told money won't be recovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I would like to open a credit dispute with XXXX  XXXX, XXXX who reported a delinquent payment on XX/XX/2021 to the credit bureaus which caused my credit score to plummet XXXX points to an unfavorable rating. I requested a payoff in mid XXXX and was sent a payoff letter and payoff was made on XX/XX/2021. This action has caused harm to my credit and I am unable to apply for another loan. I would like the record corrected, the delinquency removed and for your company to stop incorrectly reporting. I have reached out to the 3 bureaus and they said they only report what they are given from loan care. My wife has spoken to loan care twice and they are claiming they did not report this loan as delinquent. Both parties are pointing the finger and we are the damaged parties. I want this issue escalated to a second level supervisor and the department that reports out the credit file information. This has caused irreparable harm to our credit file.

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 2023-08-02
Company: Grow Credit 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: Account status incorrect

Complaint:
I opened a Grow Credit account in 2022 after seeing an advertisement on the internet saying how this app could boost your credit. In rebuilding my credit from filing bankruptcy I always like to try little things that will continue to give me a boost. This service has absolutelty been the worst thing in my life. After reviewing my credit report in preperation for trying to buy a home I noticed I now have 3 negative reports on my credit and the account is still open after asking for it to be closed and for my reporting to be corrected. This app uses the XXXX system to connect your bank acccount and it consistently disconnects. I recall having to reconnect my bank account roughly every month although it was on autopay. I also was told that if your balance is low they will notifiy you a couple days before the payment is to come out. First of all I am specific of the account I connect to apps and I move money around all the time. There was more than enough to cover the payment for this account and if it wasn't it would pull from the account connected for overdraft. As a banking professional thats why they invented OVERDRAFT PROTECTION! These late payments are effecting me in a major way and I am requesting they be removed from each credit bureau using the XXXX system for accuracte reporting which will push out to all the credit bureaus and by pass the normal 30 day waiting periodt if done in another manner outside of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 in the amount of {$1100.00} on my American Express credit card I disputed the amount as the merchant didnt delivered the service. They closed my case on XX/XX/XXXX without any update to me. What I found about the merchant that they are a scam once they receive your information and charge they stop responding to you and try to manipulate cases Via XXXX to win.

Company response to consumer: Closed with monetary relief