BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
The company chime has my personal information on file which I did not authorize. When I inquired as to how they got this information, they said they could only talk to me if I had sent down a copy of my ID and my Social Security number, I scanned both in and I attached them to the email, but they still said they would not talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: GOLDMAN SACHS BANK USA
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I dont have exact dates, but my XXXX credit card account that was owned by XXXX XXXX, was recently sold to a Goldman Sachs credit company named Marcus. This is ongoing.

I have had the XXXX account over twenty years, maybe thirty, and I pay it off every month. I have only run a balance twice, as far as I can remember and I paid those off in two billing cycles on those occasions.

Marcus by Goldman Sachs decided they were going to take the monthly bill out of my checking account. I dont have a checking account and I want a paper bill mailed to me every month. I told them that. My credit card bill is the only bill I have and my mother sends a check for me.

I havent received a bill and apparently, because I wont pay a bill I havent seen, Marcus has frozen my card. Last Thursday they finally said they mailed me a bill. Never got it, called them today and now they say they mailed the bill on the XXXX, yesterday. 
I am almost positive that this company doesnt want customers that settle their balance every month, but prefer customers that run debts month to month. That means Marcus is discriminating against people that pay there bills on time and in full. Im no lawyer, but that is also coercion. Marcus cant force me to give them access to my bank account or withhold their services because I pay my bills on time. 
Ive contacted the XXXX XXXX XXXX about this and I hope, that if you see some wrong doings, you will look into it. At the least, I think you should make them aware of my complaint against them. Just that might put them on their toes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account with XXXX never belonged to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am filing a complaint due to inaccurate informations on my credit report. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and 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 non-monetary relief
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've wrote through several letter attempts from XXXX 2020-XXXX 2020 to remove inaccurate information and accounts that are in FCRA violations. The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation. 
Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.

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 2018-11-08
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:
XXXX AND EQUIFAX credit bureaus have allowed an unscrupulous original creditor, XXXX, to get around the law regarding reappearing items on my credit report after deletion.XXXX XXXX XXXX, as an agent of XXXX, account number XXXX has appeared on my reports after being removed by the second agent for XXXX, XXXX XXXX, account number XXXX which was removed by XXXX 's second agent on XX/XX/2018.I HAVE ATTACHED THAT CFPB INVESTIGATION AND COMPLAINT WITH RELIEF GRANTED.IT IS UNETHICAL AND ILLEGAL FOR THE BUREAUS TO ALLOW THE SAME DEBT OWNER TO APPEAR ON A CREDIT REPORT BY DIFFERENT AGENTS AFTER DELETION OR REMOVAL AS RELIEF GRANTED BY THEIR AGENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: CITIBANK, N.A.
State: UT
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:
Citi Bank refused to accept payments made to them, stating that the funding bank was holding the funds. After several calls to both the bank and Citi found that they ( Citi ) had lied about the hold and would not credit the payment to the account. Furthermore they did not report the payment/balance decrease to the credit bureau thus lowering my credit score. They further reduced the available credit by over {$22000.00} despite being paid in full and on-time though out the credit history. They would not offer a reason as to why nor did they notify me of the decrease, when i called to talk to them I was hung up on twice for pressing the matter. Later when attempting to make an online complaint about through their website my account access was removed and I was not longer able to login to access any transaction details including this months statement.

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 2023-03-03
Company: Experian Information Solutions Inc.
State: IL
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:
CFPB responded to me that XXXX XXXX account ( Deleted ) that still listed on my credit report with inaccurate reporting My Credit Report is inaccurate With multiple attempts to fix the inaccurate accounts listed below - Open account inaccurate data - XXXX XXXX  # XXXX Show account balance on a closed write off account 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 explanation
Consumer complaint received 2020-08-07
Company: CITIBANK, N.A.
State: NC
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 balance transfer

Complaint:
I requested a payoff of my husband 's ( XXXX XXXX ) vehicle from Citibank Credit card company to XXXX on XX/XX/2020 in the amount of XXXX. I check from CitiBank was mailed to XXXX on XX/XX/2020. The transaction cleared my account on XX/XX/2020. On XX/XX/2020 I received a call from XXXX that the check had not cleared and that it returned. I was then asked to pay the total balance of {$7100.00} in which I refused due to me actively making payments on that same amount with my Credit card company. With XXXX on the line, I called Citibank rep who stated check had been cleared and cashed already, XXXX rep stated the check returned and a new one would need to be submitted. Citibank did not agree so they did not resend payment, but they did mail me a copy of the check that was sent out to XXXX. XXXX also mailed me a copy of the returned check letter that they received from XXXX XXXX XXXX. When speaking with both companies as well as XXXX XXXX XXXX, no one can seem to account for the missing funds. In the meantime I have been responsible for paying both Citibank credit card AND XXXX, in which I can not afford to do. It has been 3 months now and no one can tell me where the money has gone. I have been battling with both companies to help me resolve this issue and it has yet to have a proper resolution. There is no way neither Citibank, XXXX, nor XXXX XXXX XXXX  can tell me where the money is. I need to fix this asap as this will start to affect my husband and I credit reports, because if I don't pay Citibank they will report and If I don't pay XXXX they also will report. I am literally stuck between to companies who should be able to easily remedy this but has not.

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 2023-05-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
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:
So I paid over {$600.00} from XXXX to XXXX. Supposably my balance was XXXX $ according to represenative in XXXX. Now I called in to ask why my loan was XXXX $ They said well interest and I said XXXX a day equates to XXXX $ a month if that. That be XXXX $ in interest. $ XXXX $ add XXXX XXXX $ ok well cause its me add XXXX that is XXXX either way that is XXXX not XXXX XXXX Now lets think about this XXXX is XXXX. Move the decimal over one is 10 %. I learned this in 5tXXXX grade in my head. So what first mark is saying is I am being billed over 10 %? 

Also, this loan is half the original loan meaning you can't ask every month to be the same along with claiming I owe you XXXX a day. This was XXXX a day when I started loan. The loan is 2/3 paid off and it should emulate what is owed, However this loan should not be a loan except for a federal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: AMERICAN HONDA FINANCE CORP
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I submitted an online dispute with XXXX to remove a personal statement on my American Honda Finance account. This option to dispute the statement was available via the online dispute on their website. Om XX/XX/XXXX the dispute was closed and my updated XXXX and XXXX credit reports showed the entire positive account had been deleted. This in turn lowered my credit score. After finally getting in touch with a live rep in the dispute dept, I was told I would have to call American Honda in  order to have it put back on my report. This is unfair since it was completely XXXX  's fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XX/XX/2020, I called XXXX XXXX at XXXX XXXX XXXX XXXX to cancel an order and request a refund. When the phone was answered I was placed on hold, after a few minutes a person answers so I explained what I wanted, he said he could help me with that. He said to go to the bottom of the screen and on the left hand side of the screen to type " anydesk '', I did that, then he said his supervisor would be helping me. a man comes on the line and tells me his XXXX XXXX and to type in the amount I wanted refunded. I type in {$1000.00}, he then tells me " oh no, you typed in too many zeros, that makes the refund {$10000.00} '' now your going to have to return my money, but only {$99000.00} other wise I will have to pay tax it it is over that amount. He then sends me an e-mail with the following information, to make a wire transfer as follows : Company name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Account No.  XXXX. ABA routing no. XXXX, Bank Name : Citi Bank, XXXX XXXX XXXX XXXX XXXX, NY, XXXX, dollar amount {$99000.00}. If I were asked why the transfer to say it was for a personal investment. He also provided a toll free no : XXXX signed XXXX XXXX, XXXX, and to e-mail him a receipt at XXXX. He kept calling me every day asking if I had gone to the bank to make the transfer. He call to tell me he was going to send me an XXXX gift card for {$500.00} for my troubles, that evening I received a XXXX XXXX but only for {$300.00}, When I mentioned this to him, he said not to worry he would send me the {$200.00} the following day ( never did receive it ) He then send me another e-mail stating the monies had gone to a wrong address, he was going to have to return my money so I could send it to the correct address as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had some problems with the wire transfer, so I called my credit union and that is when they told me someone was hacking into my account and transferring my money from my money market account into my checking account, that is how he was getting my money. When I received the XXXX XXXX, I noticed the return address as : origin id : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. That is when I realized that XXXX XXXX was XXXX XXXX and was using a fake name.

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 2020-08-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX attempted to lift my credit freeze. Equifax website locks me out. Calling customer service ( automated ) does not resolve issue. 

On XX/XX/XXXX After attempting to lift freeze, I was ASSURED problem was resolved and would not have issues again in the future. I was on phone for TWO hours at that time, attempting to lift freeze. 

On or about XX/XX/XXXX After attempting to lift freeze, I was ASSURED problem was resolved and would not have issues again in the future. I was on phone for FOUR hours over course of 3 days hours at that time, attempting to lift freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I used to have a business account with Wells Fargo. Fees were high so I closed it. Not sure if there were any errors on Wells Fargos behalf

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 2020-08-07
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: Was not notified of investigation status or results

Complaint:
i have sent dispute letters on XX/XX/2020, as of today date XX/XX/2020 i still have not received anything from the credit bureaus. i feel the time frame as been long enough to contact me with what im asking for.

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 2020-08-07
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Acceptance is repeatedly failing to report accurate information to delete a late payment off my account. In addition, Credit Acceptance is spitefully trying to not update my report and balance has they have stated they would on the XXXX of every month. I believe this company has poor customer service and lack of compassion for its customers.They erroneously reported my payment as late in XX/XX/2020 during a pandemic which is very insensitive and inaccurate reporting on their behalf. They compliance offers fail to thoroughly investigate this matter and I have furnished bank statement which do not reflect late payments in the month they have reported on my credit. I have paid on time and more than the required payment on loan. I will continue to place complaints until this matter is resolved. I would never recommend anyone to use Credit Acceptance for their auto loan provider.

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 2018-04-09
Company: Ronald H. Reynolds, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has yet to refund me for over payment and the attorney they hired which was XXXX XXXX XXXX XXXX. The bill has been paid since XX/XX/XXXX and the debt is still showing active. Also the debt was over paid and error in credit giving by court documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX says one thing in his letters as threating and also tells me the issue is or past on to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX is very rude and thinks he can scare some one not to sue him. First thing XXXX XXXX owes me I don't owe him NOTHING he is the one in error on court credit as the court he entered the wrong amount in credit giving as the court document shows. Next the account was over paid and he owes me money as well for who retain him he received the money. The next issue is 3 garnishments showing on court records by him as not paid and 3 garnishments all the same one showing different amounts as well as ( ACTIVE ) & should show ( COMPLETE ) its been 4 months now nothing but the run around with XXXX XXXX and smart remark letters to my rights. Maybe he should do his job and learn to read and add and stop threating people what they can do. 

Next he tells me the case went to the XXXX XXXX XXXX and still sending me mail just as of the past week been XX/XX/XXXX and as if I owe him money on the same account in which there seems to be some fraud going on to the same account showing nothing paid 1 showing 20 percent and the other nothing but the same garnishment. XXXX check stub is attatch as proof as court documents and XXXX XXXX XXXX. 
It also seems very deceptive of the practice that's been done. 

Documents Attach as Proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation