BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Several weeks ago I began to receive multiple physical and virtual communications from Chime about my new debit card. I've never applied for one. Their portal associated my email with a very old phone number which of course couldn't be used to verify the account and the website then requested a lot of personal information. I contacted Chime via their customer service email address, which is not listed on their website and I had to tweet them to find it, and they said they need my social security number to " close my account ''. I didn't open an account. I don't want to give them my information. I just want them to stop contacting me and/or trying to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Working with Navient is a real problem and back in XX/XX/XXXX there were communication issues of how much were the payments and how to afford them. Many discussions were had and yet they still reported me late multiple times which is now affecting me from getting a house at the age of XXXX. I always make my payments on time when I know the amounts and since XX/XX/XXXX I have never missed. The part that confuses me is when my account info says the original principal balance is {$4700.00} yet the unpaid principal is {$6400.00}. My loan is suppose to be at 11.75 % interest yet the amount of interest applied after each payment keeps going up. I am paying XXXX monthly and my account says I should be paying {$78.00} until XX/XX/XXXX. If i keep paying this amount till XX/XX/XXXX i will have paid like XXXX. I have paid so much in interest it should already be paid. Navient csr said i agreed to a 20 year payoff but why would i do that when the original amount was near XXXX. I am a XXXX XXXX XXXX and my district said that Navient will take advantage of you so try to refinance it to get away from them. I think I am believing them. Those late payments should be wiped out after being current for so long. Please make them go away!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit 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:
missed a flight due to weather delay. XXXX XXXX told me to repurchase a ticket and i would receive a refund. After speaking with XXXX I was told to dispute with credit card company. I did that. Credit Card company told me I did not send enough info. I submitted XXXX refund policy along with flight details, the rebooking, and new flight details. I also submitted the emails between me and XXXX. They refunded me for the missed flight when they were supposed to refund the rescheduled flight. which is why they told me dispute with card company. All information and a detailed account of the events was mailed and emailed to card company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: MD
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:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance XXXX {$1300.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX 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 2022-05-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX, XXXX - ACCT # # # # # # 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.

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 2023-10-05
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}

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 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I checked my credit card statement and discoved a fraudulent charge of {$120.00} made at XXXX XXXX  in XXXX XXXX, XXXX XXXX # XXXX on XX/XX/2023 and posted to my account XXXX. I have never made a purchase at this store or have been in a XXXX XXXXXXXX XXXX 
I contacted XXXX XXXX on XXXX when I discovered the fraudulent charge. They claim their chip reader card technology is virtually unable to be skimmed and duplicated. They then incorrectly claimed I must have used the card or allowed someone to use my card. This is patently false. 
I have since filed the above stated police report. The officer clearly stated that duplication of skimmed cards happens quite frequently. 
I have filed complaint reports with the Ohio Attorney General, the Federal Trade Commission, XXXX XXXX ( they have yet to respond ). I additionally contacted the U.S. Department of Tresury, and they suggested The Consumer Financial Protection Bureau. 
I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX from having XXXX XXXX XXXX. I rarely leave my home, and do not know how my information was obtained. I told the police I want to prosecute if the offender is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX removed the alleged debt from their credit file. Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-05-18
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear CFPB, I am writing to file a complaint against Goldman Sachs regarding their arrogant, unreasonable, and unlawful practices regarding my credit card and saving account. 

Recently, I applied for a Goldman Sachs credit card through Apple and also opened a saving account. When I attempted to withdraw cash back from this card, I discovered that the card was issued in the name of XXXX XXXX, while my legal name, as stated on all my identification documents and XXXX XXXX records, is XXXX XXXX. Consequently, I am unable to make withdrawals. 

I have made numerous attempts to contact Goldman Sachs to resolve this issue, but they continuously transfer me from one customer service representative to another. 

I explicitly pointed out that the problem lies with Goldman Sachs using a name that has no legal basis to open my bank account. I spent a considerable amount of time proving this by calling my bank, XXXX. I fail to understand why Goldman Sachs can not simply change the name on my credit card to my legal name. 

When I was transferred to another bank representative, they informed me that if I wanted to change the name, I would need to provide court documents as proof. 

I am utterly perplexed. It is clear that Goldman Sachs made the error in my name, yet they expect me to provide court evidence. All my legal documents, such as my U.S. driver 's license and Social Security Number, bear the name XXXX XXXX. How can I provide court evidence to change my name to XXXX XXXX? 

The actions of this bank are not only arrogant but also illegal. They have allowed me to deposit money into an account with a name that lacks any legal supporting documentation. Furthermore, they unreasonably demand that I provide court documents. 

I urge the relevant authorities to closely monitor Goldman Sachs. They attract funds with high interest rates of 4.15 % while maintaining chaotic management. Such circumstances often lead to misappropriation of funds. For the safety of the U.S. financial system and the security of all small clients, it is crucial to expose this menace. 

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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:
When I checked my credit report, I found that part of the information was inaccurate. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting items as unconfirmed information without supplying evidence within the legally required amount of time. The following false information in my credit report must be investigated and omitted : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-01-10
Company: Experian Information Solutions Inc.
State: OH
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:
There is a mortgage account being reported on my credit report by XXXX, XXXX, and Experian that shows inaccurate late payments, up to 60 days, that are different on each bureau and have not been verified after several attempts to correct or remove the account. I have sent in multiple dispute letters, and have talked with each bureau on the phone, and have not made any progress, the account still remains unchanged on my credit report. 

I have made several attempts by mail over the last year or longer. The late payments on the account have never been verified but remain on the account. I have also spoken on the phone with each bureau and made no progress. 

This account has been negatively affecting my credit report and preventing me from getting new lines of credit, loans in particular. Not one of my other accounts shows any type of late payment activity. This account has made my financial situation very difficult.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called the creditor direct since I saw incorrect information on my status. My account is up to date as I was informed twice by them. They refuse to update my account. I have been disputing this account for going on XXXX months. I have sent them letters as well.

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 2019-11-21
Company: United Resource Systems, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I found this information in my credit report but was not notified via mail phone or otherwise. I am currently on XXXX and can not pay all at once it is for {$100.00} for XXXX XXXX  which my insurance paid them XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.

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 2020-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Good evening, I submitted a complaint to resolve an issue with my mortgage company XXXX XXXX. I did not make a late payment in XXXX. I have made disputes with equifax, XXXX and with the mortgage company. XXXX XXXX realized where the missed payment report fell through the cracks. I did not miss a payment with XXXX XXXX and have been making my payments on time before and even after the month of XXXX. XXXX  has removed the late payment record of XXXX XXXX from my report. I am asking for Equifax to do the same. Please understand this unique circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/21 I was approved for a revolving credit limit for XXXX through Citi XXXX XXXX AAdvantage credit card. I used this credit card to purchase XXXX airline tickets to my daughters wedding in XXXX. When I went back in two weeks later to purchase the baggage my card was declined. I purchased XXXX on the card. When I called the credit card they stated to me they decreased my credit limit to XXXX. They made this decision without notifying me in any way. They claimed they sent me and email. They didnt nor did I receive a letter in the mail and I never signed up for any kind of paperless notification. All my credit is on time and in good standing. The only change in my credit was their decrease of my credit limit and a Parent Plus loan I obtained for my daughters college education. I also can not gain access to my account to set up Autopay. I think this treatment is unfair especially with doing no wrong to my standing credit with this company. I had no history of late payment or over the limit for them to decrease my credit limit.

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 2022-01-07
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
While I already filed a complaint that is now closed.as Citibank has refused to take any accountability, it must be addressed and is wrong in so many ways. I have spoken with XXXX different people, received contradictory information, received horrible customer service, and now have had XXXX credit checks by Citibank and gotten nowhere. I was told that I was preapproved for a card and I wasn't, I was told that I had to have a second credit check but would be approved ( but wasn't ), then told a credit limit of {$500.00}, then told I had to activate card to ask for increase and they COULD NOT expedite. They then sent to wrong address. 

Finally their executive office calls back ( ONLY after a XXXX report filed ). I was told that I could apply for another card without a credit check ), then received a letter ( not a human being ), then was told by a different executive that they could look into this unless there was a XXXX credit check as too much time had passed ( due to their incompetence and what I believe to be intentional stall tactics ). Now I am told to wait another 2+ weeks to see what could be done. 

I believe this to be a form of entrapment. They have told me so many different things, stalled me being able to move forward, my credit rating has dropped, and I am vested with them that they are strong-arming me and preventing me from working with another lender since they have ruined by credit score, So essentially, they keep bringing me down a trap that I have to stay with them. They said I was not approved for the second card recommended by XXXXXXXX XXXX  XXXX yet told me to apply. Per attached, they said I was not approved due to too many inquiries ( XXXX OF THEM WERE THEIR OWN INQUIRIES!!! ). 

Their tactics are misleading and contradictory information either intentionally or due to a lack of training and a broken system. 

I have attached their reply letter, my credit score decrease due to Citibank and the specific pulls within a week because I trusted what they told me. 

Despite it having transpired in XX/XX/ 2015, this has obviously been an issue before : CFPB Orders Citibank to Pay {$700.00} XXXX in Consumer Relief for Illegal Credit Card Practices

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