BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: GOLDMAN SACHS BANK USA
State: TX
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 I purchased 3 tickets utilizing my Goldman Sachs Apple Card ( attached ). The event was scheduled for XX/XX/XXXX in XXXX VA. Upon arrival to the venue I noticed that my view was obstructed. I immediately contacted XXXX XXXX to advise that my view was obstructed. XXXX XXXX notified me that no refund is given after the event starts ( attached ). Although their policy ( attached ) states the if a view is obstructed it will be noted on the tickets ( attached ). I initiated a dispute with Goldman Sachs on XXXX XXXX, my dispute was denied. I then initiated a 2nd dispute in XXXX that was also denied. XXXX XXXX did not provide the service that I paid for, which were tickets with an unobstructed view.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 explanation
Consumer complaint received 2023-02-14
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, the XXXX XXXX  XXXX XXXX XXXX ( DEO ) Homeowner Assistance Fund ( HAF ) sent the previous servicer Caliber Home Loans a check in the amount of {$28000.00}. These funds were granted by HAF on my behalf and to be applied towards my mortgage account. According to Caliber I was asked to wait for few months to ensure the check cleared, but later on I was informed they were not able to locate the funds to be applied to my account. 

HAF also provide six monthly checks in the amount of {$3000.00} each. These were applied, but not properly. Interest were even charged twice in the same month. 

I tried for months to obtain a results to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is more of a concern than a complaint against American Express with employees who intentionally misrepresent of payment due dates, past due dates, and possibly back-dating communications sent to card holders to substantiate their action. As of this writing, I do not know if American Express has already filed reports to the three credit bureaus because I was past due by 1 day - which American Express could elongate to 2 or 3 additional days ( since it takes between 24 to 36 hours to post a payment ). Apparently, charges are also frozen until this payment has posted. The last phone conversation was with an American Express employee who explained that I had such a good payment history in the past so that is why I have never experienced this sort of treatment before. And to that I replied something along the lines of I need to stop using my American Express card and figure a way to pay off my remaining balance. The customer representative was glad to say " good bye '' and I think I would too be happy to say good bye to American Express as well after 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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:
When I reviewed again 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 that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX 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 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-02-14
Company: Experian Information Solutions Inc.
State: GA
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXXCCOUNTS Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2021-08-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank placed a 10 day hold on a payroll check refuse to lift it. Spent XXXX hours dealing with it with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: IL
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:
I asked all three credit bureaus to do an thural verification on my credit report. I received letters stated everything was credit on my reports. I than did a thural research on my own and found multiple improper inaccuracies on my credit report even after the bureaus did a verification and stated it was correct.

In accordance with the fair credit reporting act XXXX  accounts below listed 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. 

Account name -XXXX account number-XXXX Account name - XXXX XXXX Account number XXXX Account name -XXXXt Account number-XXXX Account name XXXX XXXX XXXX Account number-XXXX Account name-XXXXXXXX Account number XXXX Account name-XXXX XXXX Account number XXXX Account name -XXXX Account number- XXXX Account name-XXXX Account number- XXXX Account name XXXX Account number- XXXX Account name- XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had this account since XXXX  and they keep reporting delinquent account by XXXX XXXX days and right now l continue to have a credit card with them and l am not behind or delinquent at all up to this day but they will not correct their reporting delinquent payments, l personally called them to have the info removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: OneMain Finance Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Complaint regarding Defamation, Fraud, Deceitful Business Practices has happen to me , where someone has tried to open credit cards, loans , please remove , help , fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 2023-01-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I already filed the claim with CFPB case # XXXX regarding fraudulent loan with TRUIST Bank XXXX XXXX XXXX despite all my efforts I couldnt resolve that issue with their Fraud Management Department XXXX An Identity Theft claim was filed on my behalf on XX/XX/2022. The claim was reviewed, and a letter was mailed on XX/XX/2022. It was determined I had been the victim of the identity theft and the loan account that had been opened in my name was closed. 
So the case was closed and I received a letter ( attached ) from Truist Client Resolution XXXX, XXXX XXXX XXXX, stated that I was a clear victim of the identity theft. 
But they are still sending me monthly bills with an outstanding balance of about {$840000.00}. I again tried to solve that matter with TRUIST Bank but with no success. 

Thank you for your assistance 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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I was a victim of the XXXX data breach

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: GA
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2021. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/2021 ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital One denied my application for a credit card XX/XX/2022 and sent me an adverse action letter. The reason on the letter States " Based on your application information, there are too many delinquent past or present Capital One credit obligations. I've reached out to them and told them according to 15 U.S.C 1681a ( k ) ( 1 ) they can not deny my an extension of credit based on an unfavorable report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: SYNCHRONY FINANCIAL
State: MI
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:
In XXXX XXXX, during a review of my PayPal account information, I identified multiple transactions I did not make, nor did I receive any product ( s ) or service ( s ) relating to any of these transactions. I immediately disputed these charges by submitting an online dispute. In my XXXX attempt, I chose to identify these transactions as fraudulent. On XXXX I contacted Customer Service. To my surprise, I was told by the agent that my account address had recently been changed, my email address was changed, and my phone number had been changed as well. As I did not initiate any of these changes, I requested and was advised my account would be blocked/ restricted. This is Identity Theft! Regarding my first Case # XXXX dispute, when PayPal closed the dispute, they determined that certain transactions werent unauthorized and hence couldnt be covered by XXXX XXXX XXXX. I contacted and was advised by Customer Service I would be better served if I changed the reason for the dispute ( XXXX ) to I did not receive any product or service ( XXXX ). ( True statement. ) The XXXX system would not allow me to include the rejected transactions in my Case Dispute # XXXX, so I decided to dispute these in a different manner. Dispute # XXXX then consisted of XXXX items. from XXXX XXXX. Upon completion of the investigation, the dispute was found in my favor, thus the funds were refunded. The other transactions being those deemed to be ineligible by PayPal. In a dispute letter I submitted to PayPal / SYNCB on XX/XX/XXXX, I rejected their " ineligible '' premise and utilized my rights under the Fair Credit Reporting Act sec 609 ( e ) to help me better understand the details surrounding these questionable changes/ transactions. I requested all transaction records as I hope this new information would help determine the identity of the person or persons that actually DID make the transactions and was, in fact, the benefactor of those products/ services. I have continued to make monthly payments for the charges I actually made and accept full responsibility for those. That ends today as I have paid off them off. The balance remaining for the unauthorized purchases remains at {$830.00}, which has officially been disputed. To date, XX/XX/XXXX, I have not received any correspondence or notice from XXXX XXXX XXXX! Consequently, I have submitted a XXXX letter for a status update. I am also submitting this information to your group.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: DE
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ) ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation