BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: FISERV INC.
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Money Network Financial has incorrect names on the XXXX XXXX XXXX XXXX. The card member services phone number does not allow for contact with a representative. The only option for changing the name requires faxing of sensitive information. No one has fax machines anymore, and the only access to such a device is at my public library which is closed until further notice. 

After much struggle I was able to authorize transfer to my regular bank and am now trying to close this account. I don't not want this account or want this company to have access to my personally identifiable information such as my social security number. There does not appear to be any way to close the account. The email contact link does not function and the phone menu does not allow for contact with a human or the option to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: GOLDMAN SACHS BANK USA
State: TX
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:
My cash back rewards stopped showing up on my account several months ago. I called the credit card company in mid XXXX and they said it would be fixed. At the end of XXXX, it was still not fixed. I contacted them again via chat and spent almost 45 minutes going back and forth with them. Several days later, the amount finally showed up in my account. However, I received an email stating that " no error occurred on your account '', a statement that is clearly untrue as it took multiple tries to get the issue fixed. Then, my wife received a similar email stating that they had tried to contact her about the problem- she has received no other emails or phone calls. Goldman Sachs is clearly trying to bury the fact that they had problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Kriya Capital, LLC
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:
I have a Collection for an account on my Credit Report that I did not initiate or own. This is totally false and appears to be a fraud or a scam. I do not have any debt from XXXX XXXX XXXX nor have I ever been made aware of such debt until it appeared on my Credit Report. Credence Resource Management Co. is claiming a debt in my name is owed. 

I can not believe a person with great credit history can be scammed like this. 

100 % untrue and appears this is fraud or identity theft. 

My XXXX Credit Report is the only XXXX of the XXXX Credit Reports ( XXXX, XXXX ) that does not have this incorrect information of a Collection. 


XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-10-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 we booked three tickets from XXXX XXXX to XXXX ( XXXX ) via XXXX XXXX. Travel Dates ( XXXX to XXXX ) The ticket was booked using my Citi XXXX  Credit card points and the remaining balance was paid through Citi Costco Visa Card . Total of XXXX Points + {$2200.00} USD. 

The trip id is XXXX. Airline Reference # is XXXX. XXXX Reference Number is XXXX. 

The passenger names are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

The issuing company was citi XXXX  and is called XXXX  XXXX  XXXX  for XXXX  XXXX  ( XXXX / XXXX ). 

The tickets were fully refundable. 

Due to increase in covid and cancellation to travel back from XXXX, we were not able to take the flights and had cancelled the reservation before the travel dates. 

We have been following with XXXX  for the last 5 months and every single time they say that the amount will be refunded in 1-2 billing cycle. 

This is a large amount and have not been able to get the proper refund. 

I followed up today with my Credit card company and because the transaction has been over 6 months, unable to put it into dispute also. 

Please note that my husband had a separate ticket with XXXX XXXX  and the full refund came into our account more than 3 months ago. 

Please help in getting our full refund. 

Today when the agent said this call is getting recorded, I did tell that I am also recording the call, and she hung up. This is unfair and would really appreciate if you can get us our full refund.

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 2018-07-30
Company: EQUIFAX, 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:
On XX/XX/2018 I noticed that my credit score with XXXX dropped by 76 points over night! I contend that this is not only arbitrary, but also credit discrimination. I also noticed the numerous inaccurate information and account claims on my report which I immediately requested that same be investigated. 
How can my score dropped 76 points overnight when I consistently pay my creditors? 
I contend that this tremendous drop in score is discriminatory, unfair, and bias! 
I am requesting an investigation immediately and a resolution of this grave infraction to my credit welfare and health! 
In addition, I noticed my credit score dropped by 27 points with Equifax. I contend that this is also arbitrary and discriminatory. I am asking that same be investigated as well. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS 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, TN XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; Discharged XXXX : Bankruptcy Reference Number XXXX ; XXXX Filed : Bankruptcy Reference Number XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX  XXXX XXXX , WI XXXX ; XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$840.00} ; XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Reference Number XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Filed several CFBP complaints which have not been resolved against National Credit Adjusters , LLC about inaccurate amounts and information on my credit report. They sent a letter stating they would cease all collection activities until fully investigated and I received all detailed information on debt, but they are still reporting negative update to credit bureaus and have updated account type from a debt buyer to a factoring company stating this is an OPEN account and it is not. Per XXXX XXXX response to complaint # XXXX this was a defaulted debt purchased/released back in 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
on the year of XXXX XXXXinside this year, i was awarded a everyday, credit card from XXXX  ny, my vet spouse XXXX XXXX had given some help at my application process /i asked him about the help line from XXXX XXXX XXXX ny /when the card came in the mail i was thinking tthat the services must have worked /and then the next problem was that i didnot want the card to be missing, so then i took the card to the sales car place and ask for him to hold it for me /i was watching the XXXX  do the same kind of dealings inside their blocks, because their peopiles holds thier cards when they ask them too., the car place is located at the right side downward from the XXXX XXXX resturant /from there to your right side downward towards the right side highway/at the end then turn left and you will see a small car sells place i gave to one of the employees to hold for me/i think the card can be reproccesed again or another type of card for 12 years of money owings to my name XXXX XXXX XXXX /my adress is XXXX XXXX XXXX XXXX  ny, zipcode 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 2021-03-04
Company: USCB Corporation
State: KY
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 have two agencies trying to collect on the same account. XXXX XXXX XX/XX/XXXX USCB corp XX/XX/XXXX both for XXXX XXXX which I only had one account with them, took classes there once four years ago, had a payment plan but had to stop doing classes due to a layoff at work, did inform them what and why. Original collector not on my report but now I have two other agencies trying to collect, disputed but said information is correct and everyone is telling me no that there's only one account even tho two are showing up on my 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 explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Experian chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXX Date XXXX Balance : $ XXXX Late Date 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 2021-08-20
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I paid off my mortgage with United Wholesale Mortgage. As of today, XX/XX/2021, I still have not received any recorded documents related to my payoff such as discharge of mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( Equifax ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
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: Personal information incorrect

Complaint:
Equifax listed a former address that hadnt been my address for four years as my current address. They also listed my current address as a former address. When I filed a report with Equifax to correct this bad information, the only options I was given were that 1. I have never lived at this address ; 2. Someone with a similar name lives at this address ; or 3. I am the victim of identity theft. NONE of these options are applicable for my situation. I was forced to enter inaccurate information in order to fix incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Help Needed to Correct Credit Reporting Errors Dear Sir/Madam , I am writing to request your assistance in resolving inaccuracies on my credit file. Despite my attempts to address the issue with the credit bureaus, I have not received a response or seen any correction of the incorrect information. 

On XX/XX/2023, I notified the credit credit bureaus experian, XXXX, and XXXX about multiple errors regarding my name and address. Unfortunately, the credit bureaus have not taken any action to rectify these mistakes. This situation is concerning as it hinders my access to credit and violates my consumer rights. 

I kindly ask for your intervention to investigate my case and ensure compliance with relevant laws and regulations, such as the Fair Credit Reporting Act ( FCRA ). Specifically, I request that the credit bureaus delete the erroneous information and retain only accurate details. 

My only name Is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Any address or name different the state above should be delete immediately from my credit file. 

I appreciate your prompt attention and support in resolving this matter. 

Thank you for your assistance in protecting consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX, TRANSUNION AND XXXX IS IN VIOLATION OF THE FCRA. THEY HAVE BEEN REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THEY HAVE NO CONFORMED WITH ME TO VALIDATE THIS INFORMATION OR ACCOUNTS. I DID NOT GIVE THEM MY PERMISSION TO REPORT THIS INFORMATION. THIS INFORMATION IS NOT MINE AND DOES NOT BELONG TO ME. 
THIS IS NOT MINE OR DOES NOT BELONG TO ME ADDRESSES : XXXX XXXX XXXX , XXXX, FL XXXX This address does not belong to me. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 

ACCOUNTS THAT ARE NOT MINE US DEPT. OF EDUCATIO | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX   XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX INQUIRIES THAT ARE NOT MINE : 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 2023-10-17
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/ I contacted Experian to have them remove all late payments showing on my consumer report because they are negatively impacting my credit. I informed the experian representative that I did not authorize this information to be on my report and under FCRA laws 15 USC 1681a paragraph 2 titled exclusions sub chapter ( a ) ( i ) states that transactions are not included in the consumer report. A late payment even though it may be negative is still a form of transactional history therefore this information reporting to my consumer report is a violation of this FCRA law. The representative told me that they are not responsible for the information being reported and asked if I contacted the companies. I explained to the representative that I did contact the companies and all of them explained to me that 60 days after an initial report they no longer report any information again and they cant do anything about those transactions showing on my consumer report. This information was given to the representative by me and I was told that the only thing that can be done is to file a dispute against all transactions. The representative made the dispute in the system and told me to wait no longer 30 days for the investigation and a decision. The results of the dispute was not in my favor. This is a clear violation of my rights and I would like this issue resolved immediately.

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 2022-03-06
Company: MoneyLion Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
THE DATE IS XX/XX/2022. THE BANK IS MONEYLION LOST TRANSACTION XXXX XXXX I CALLED TO HAVE THEM RESEARCH IF FUNDS WERE RECEIVED FROM AN EXTERNAL TRANSFER AS OTHER BANKMSHOWS TRANSFER COMPLETED THEY REFUSED TO RESEARCH, AND ALSO ENDED THE PHONE CALL. I FEEL AS IF THE MONEY HAS BEEN COMPRISED AND STOLEN FROM MY ACCOUNT BY THEIR BANK. THE REPRESENTATIVES WERE RUDE AND REFUSED TO TRANSFER TO THE MANAGEMENT WHO WERE ADVISED DID NOT HAVE THE ABILITY TO DO SO. They SAID THEY WOULD SEND EMAILS BUT NEVER RECEIVED THEM.

Company response to consumer: Closed with explanation