BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: DISCOVER BANK
State: MN
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:
We made a purchase in the amount of {$3500.00} with our discover card. 
The merchant did not produce the item we purchased, also they fraudulently signed out name to a line of credit, we notified the AG office, State Department and also the FTC.

We reached out to discover to open a dispute of the charge. At no time did they ask us for documentation. They reached out to the merchant and all they did was provide the contract we signed, they did not show proof of good received nothing. We got a letter in the mail from discover closing the dispute stating the charge stood. 

We reached out and asked them how this could be supplied them with extensive documentation and they did not reopen the cases, nor did they review any of the documentation supplied and told us we needed to reach out to the merchant getting a letter stating they owed us our funds back. 

We can't contact them! There is no valid contact information they are unresponsive and why we have filed a report with the FTC. This is absurd. Discover is ruling in favor of a merchant who not only scammed us but took us for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened accounts with the bank on XX/XX/2020. I opened a business account with a deposit of {$10000.00}, written off of a XXXX  XXXX XXXX account. I also opened a personal checking account with a {$4000.00} cash deposit. Sometime around XX/XX/2020 I received a call from the branch manager XXXX XXXX who informed me that the bank has closed my new accounts and I will have to wait for the deposit to clear from the business account and that a check will go out for the personal account, since it was opened with a cash deposit. I am still waiting for my {$14000.00} and no one can tell me where the money is. I was told by XXXX that they were sent XXXX  but he was not allowed to get tracking numbers. Then he told me they were sent USPS but he still can not get a tracking number. Here is the text from his email from XXXX " Hi XXXX, I tried to give you a call after I got off the phone but didn't get an answer and im going to be with customers the rest of the afternoon. But I wanted to get back to you with the information I do have. Our Mail goes to a Sorting center in NJ Your package was sent out on the XXXX of XXXX the day after the big snow storm and the tracking information says it arrived on Tuesday the XXXX. From there it was mailed out directly to you. Unfortunately I do not have any other information at this time except they are on their way to you. And should be there shortly. I know USPS is having a lot of short staffing issues but they are on their way. Thank you, XXXX XXXX '' So in the meantime, I am missing {$14000.00} and no one knows where it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Radius Global Solutions LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Radius Global Solutions LLC did not send me notification regarding this issue. I contact XXXX XXXX several Times regarding fraud charge in which they never got back to me. They told me several times after calling them they was going to get back with me. 
XXXX XXXX XXXX never made no attempt to call me regarding this situation. I call them about the issue and they never mailed me nothing nor tried to resolve the issue. 
Radius Global Solutions is now trying to charge me an additional {$100.00} dollars there should be nothing but was owed in which was {$32.00} dollars not the amount stated. 
I have also file a complaint with the US Attorney office regarding 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 explanation
Consumer complaint received 2023-06-10
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. 

XXXX BANK XXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 XXXX 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 2021-11-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; 2. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: CITIBANK, N.A.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was trying to make a loan at this other bank on XX/XX/XXXX and later they call me an say we cant approve your loan because it show on your credit history that I owe XXXX XXXX so I ask them when an they said on XXXX and they told me that collection agency is after me which is I honestly never ever step on XXXXXXXX XXXX property in my whole life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 customer service

Complaint:
I entered my new mailing address on the bank 's website, but it rejects it as invalid. I tried doing so several time over many days. But, the XXXX delivers my mail to this new address, and all other entities had no problem updating my address. Customer service states that the data base the bank uses rejected it because my new address is not in the data base the bank uses. Clearly, the bank is XXXX. I no longer receive statements and can not use my card because of this. The bank 's XXXX  attitude is not in the public interest.

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 2023-09-06
Company: Experian Information Solutions Inc.
State: CA
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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

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 2022-11-29
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. 

XXXX XXXX  Acct Number XXXX XXXX XXXX XXXX  ACCT Number : XXXX XXXX XXXX XXXX  ACCT NUMBER XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct Number XXXX US BANKRUPTY COURT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXXXXXX HAS VIOLATED MY RIGHT. 



: 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 2023-03-12
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:
I have sent multiple certified written letters to XXXX XXXX XXXX asking for the removal of a 7+ year old auto loan that is being reflected as negative information on my report. They have refused to do so. As I am aware that consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years. I am submitting this claim in an attempt to have them fix this issue. Thank you.

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 2018-10-11
Company: Experian Information Solutions Inc.
State: GA
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:
First of all, I received information in the mail from all 3 agencies, which I will share with the CFPB. As XXXX  student loan servicer and credit agencies are placing negative information my credit report it's still not corrected as complained weeks ago. Here is the reference numbers : XXXX # XXXX ; XXXX # XXXX ; Experian # XXXX. 

XXXX ( File Number XXXX ) - Has stated history was updated and " Paid or as Agreed '', but I was 120 days late in XXXX. XXXX did not have this account then and I completed a " rehabilitation program '' in XXXX that removed all " NEGATIVE INFORMATION '' off my credit report. They have placed that information back on there and I can show you years of credit reports without the information reported and I have the rehabilitation paperwork! 

All XXXX XXXX account were removed now reinserted. 

Experian ( File Number # XXXX ) Is stating the XXXX account will become positive in XX/XX/XXXX as they are reporting negative to information stating I'm " CURRENTLY LATE AS OF LAST MONTH '' Again XXXX  is the only account reporting this information. In addition ; Experian is report addressed I have never live at : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( File Number # XXXX ) - Is reporting account " NEVER LATE ''. Which correct is correct Like I mentioned before I'm in the process of buying a house and under contract. This I can not obtain my house due to incorrect information I'm filing all law suit on ALL PARITES INVOLVED! I have been in contact with the person that sued XX/XX/XXXX for XXXX because they would not correct someone credit report. I close on the XX/XX/XXXX and I expect this be resolved. If not I have supporting paperwork to address the issue. 

PLEASE REMOVE NAGAITVE INOFORMATION ASAP AND REMOVE INCORRECT ADDRESSES OF MY CRDIT REPORT.

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 2023-03-14
Company: SYNCHRONY FINANCIAL
State: TN
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 # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

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 2020-12-28
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Amazon  XXXX  Store Card by Synchrony Bank has continuously charged me for services I never asked for. Furthermore, I have tried numerous times to dispute the charges with no luck. 
I was charged {$15.00} every month for XXXX since XXXX for a total of {$140.00}. 
I was charged {$120.00} for Amazon  XXXX  subscription. 

I disputed these charges on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have been refunded sporadically for XXXX, not for Amazon  XXXX subscription. 

According to Synchrony Bank, late fees interest will not incur during the dispute. I have not bought anything from this card since XX/XX/XXXX. However, I am still charged interest and late payments. I have talked on the phone with customer service for hours and they have offered no resolution.

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 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 
XXXX XXXX Account # 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 2022-10-10
Company: GOLDMAN SACHS BANK USA
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Goldman Sachs/Marcus credit card XXXX On my XXXX statement, my interest rate was XXXX XXXX. 
My balance was roughly {$4000.00}. In the following months, my rate went as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My complaint is this. If you change the rate on someone, it should be the rate on new charges only, not on existing balances. When I as a consumer charge a transaction, I am agreeing to the current rate on my card. Doing otherwise is unlawful. 
Secondly, the person in customer service doesn't offer any phone number, email address, or mailing address to get hep on a complaint. She only gave me the po box shown on a the billing statement. When I XXXX the complaint number, it was a disconnected number. 
Lastly, I requested bills be sent by mail when Goldman Sachs took over this XXXX card ( 6 months ago? ), and I have a record of them being sent to me. This past month they billed me online without authorization, and sent me a notice that I was behind in a payment. I called to make a {$1000.00}. payment the minute I got the email. The customer service person acknowledged I was correct. I was still charged a late fee. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
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:
My Experian credit report is incorrect. My federal student loan debt is misrepresented on my credit report with Experian. My loans have been transferred from DEPT OF ED/XXXX to XXXX for servicing in XXXX of XXXX. Both the DEPT OF ED/XXXX former servicer balances are showing as : DEPT OF EDXXXX {$6200.00} correct balance is {$0.00} DEPT OF EDXXXX {$11000.00} correct balance is {$0.00} DEPT OF EDXXXX {$11000.00} correct balance is {$0.00} DEPT OF EDXXXX {$6600.00} correct balance is {$0.00} Also shown was XXXX balances were represented as well : XXXX {$6200.00} XXXX {$11000.00} XXXX {$11000.00} XXXX {$6600.00} This doubled the amount of student loan debt on my credit report. My attempts to correct this fact began in XX/XX/2022 with Dispute Report # XXXX. Experian reports investigating and resolving the matter and sent me their results on XX/XX/2022 with the only change made was the date of balance update to the same incorrect balances. I filed another dispute ( Report # XXXX ) explaining the issue on the website and by phone on XX/XX/2022 describing the discrepancies that the representative reported that she entered into the system a statement describing the problem and reason for the dispute after the supposed resolution of the first. The results of this dispute were received on XX/XX/2022 with no change and a combined balance of {$71000.00} in student debt on my credit report and the correct amount should be {$35000.00}. This significantly increases my debt to income ratio. 
Another dispute was filed by phone and on the website following the procedure required by Experian, Report # XXXX, on XX/XX/2022 for the same issue after calling both XXXX and DEPT OF ED XXXX to confirm the current balances and what would be reported to the credit agency should they call. Both XXXX and XXXX reported the same information that I have relayed here. XXXX reports that my loans have been transferred from them to XXXX and are closed. XXXX reported that my account is open, balances of {$6200.00}, {$11000.00}, {$11000.00} and {$6600.00} are correct. Following these calls I sent documentation to Experian to via digital upload to support my claims. The result of the supposed investigation on the same day ( XX/XX/2022 ) was that Experian closed my XXXX accounts that should have remained open because that is the current loan servicer and left the DEPT OF EDXXXX accounts thus dropping my credit score XXXX points.

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 2020-12-29
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:
I request written proof that XXXX XXXX XXXX XXXX had permissible permission to access my credit report in XX/XX/2017 for auto loan # XXXX per the FCRA. If XXXX XXXX XXXX XXXX claims this is a duplicate complaint, then I request they resend the copy. I expect Experian and XXXX  to send me a copy of the permissible purpose when they receive from XXXX XXXX XXXX XXXX 's investigation. Please do not say you have investigated this several times and need additional proof. Just send copy of the permissible purpose. I am tired of reading form letters and rhetoric. Again it is very simple, XXXX XXXX XXXX XXXX, Experian, or XXXX  need to send me copy of the permissible purpose to access my credit in XX/XX/2017 for XXXX XXXX XXXX XXXX 's loan # XXXX. Experian, XXXX, or XXXX XXXX XXXX XXXX do not need 30 days more, or 45 days more, or 60 days more because you have had years to investigate a simple matter, written proof of permissible purpose. Enough is enough!!!!

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