BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a Target RedCard member since XX/XX/XXXX and always paid my bill on time, in excess of the minimum payment. In XX/XX/XXXX, RedCard returned my XX/XX/XXXX payment of {$26.00} and the reason given was " Payment Reversal - Backdate ''. A notification was mailed to my husbands new address. He is XXXX XXXX XXXX than me, and I received it way after. As a result, for six weeks I thought my RedCard account was paid in full. During this time, RedCard Services reported my account delinquent, reduced my credit limit from {$500.00} to {$200.00}, and sent notice to my husband 's new address. Based only on Target 's report, two more creditors reduced my credit limits, which in turn reduced my overall debt-to-credit ratio and reduced my credit score by more than 100 points overnight. 

I contacted RedCard Services in XX/XX/XXXX to update with my new address, when I learned of the late payment, the reduction in credit, and the delinquent payment reported to the credit bureaus. RedCard refused to accept responsibility for anything or remove the hit from my credit report. I was told I am responsible for the address update, and if not me, the post office, but not Target. I changed my address with Target RedCard and the post office in XX/XX/XXXX when I moved. Red Card told me that it understood I didn't like the decision, but it was not going to change. I was then told I was arguing with the guy responsible for reporting to the credit bureaus. I asked him to repeat what he said, and I asked what he meant, but he hung up. 

I am extremely disappointed with Target RedCard Services. As a result of their actions, my credit rating has been hit hard. I am no longer able to get the home financing I hoped for. Corporate America steps all over the little guy and does not care because I earn less than {$30000.00} annually. Shame on Target RedCard Services. I will never recommend Target RedCard or Target to anyone. Please share this with anyone wanting to shop at Target for Christmas. Help me fight back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX ( 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 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 2023-11-21
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: Information belongs to someone else

Complaint:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-12-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited check on XX/XX/XXXX. On hold til XXXX Today my account has been restricted for no reason at all. Can't access my funds or pay my bills and will be evicted if I don't pay rent and chase won't let me pay my rent with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally register a dispute with Experian regarding incorrect information on my credit report. On XX/XX/XXXX, I contacted Experian about the following inaccuracies on my credit report, and to date, they have not responded. I am providing the details of the inaccurate information and the necessary corrections : The account with the following details was reported as late, but it was never late : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$7000.00} Please remove the late payment notation.

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 2023-12-13
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have a company by the name of Credit Accepteince reporting on my credit report. They calls my phone before XXXX which is affecting my life. I have disputed the account multiple times and also pointed out multiple violations on my credit report from this company and every time I dispute the account it will come back as verified which is odd because the company keeps changing the amount owed, on one of my reports they posted the alleged last payment was XX/XX/XXXXXXXX  then on another one they posted last payments was in XXXX  and one payment in XX/XX/XXXXXXXX  which is impossible because it wasn't me because that was the month I was disputing the account and have a paper trail to prove it. I reached out to the company trying to see what the charges was and told them I don't owe them money then they say XXXX. They said it's for a car that they had but did not want the car because it was not of value to them so they are reporting the account as an open account on my credit reports for a car I dont have. They also were reporting that I allegedly owed XXXX then keep changing the amount every month they changed the amount all the way up to XXXX in XX/XX/XXXXXXXX  then the next month in XX/XX/XXXXXXXX  it went down to XXXX without any payment, now how is that possible that someone owe close to XXXX then the next month it go down with out a payment. And why are they not reporting the same information on all my reports if it was a real legal account I feel highly threatened by this company and is now working with a lawyer to go forward because the XXXX, XXXX and XXXX is not helping even after I pointed out the violations I have no knowledge of these charges on my report and dont like the harrasment.. I have screen shoots and copies of all communication and copies of all my credit reports that shows proof of each violation. I just found out this company has been sued in California and New york and I believe I'm apart of that

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 2023-12-03
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: SC
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 AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello My name is XXXX XXXX. I have attached Proof of my name being XXXX XXXX by adding my Drivers License, Social Security, Naturalization, and Voter ID which should be plenty. 

The problem is the incorrect name keeps appearing on my credit reports and it is not me. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc are all incorrect names and should be deleted. 

Again, Correct Name : XXXX XXXX Incorrect Names that need Deletion : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX It also appears, XXXX has Kept Many Accounts on my credit report that are not mine. Both Equifax and XXXX deleted all accounts associated with XXXX XXXX which XXXX be mixed up with my fathers name, he went by XXXX XXXX XXXX and and also XXXX XXXX XXXX, he had XXXX middle names. 

I have written XXXX several times regarding errors to accounts, identity theft, or anything possible to have my credit report cleaned up since they do nothing but " verify accounts and names '' that do not belong to me but perhaps a family member. 

Again, I have no credit in the United States yet, My name is XXXX XXXX My Social ends in XXXX and I have attached proof. 
I recently became a XXXX of this country and have obtained no credit previously. No credit should be on my credit report. 

I traveled from XXXX to the United States and stayed here month off and month on for several since XXXX  when my father was ill of XXXX. Recently I moved here and became a XXXX. However I have never had a credit card or home or loan in the United States. 

Please Have XXXX Wipe my credit report with nothing as Equifax and XXXX XXXX have done. Something weird has occurred on my credit report with XXXX and this person is not me... XXXX XXXX XXXX, XXXX XXXX XXXX, etc I am XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: MECHANICS BANK
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Mechanical bank internet app wasnt working around XXXX they have problems with .the app said I didnt own nothing one month so didnt make the payment because didnt own anything thats month latter on like around XXXX they start calling my work and my family asking for my because they said I was late in a payment they said didnt have to do I been doing all the payments on time an my credit is good .ill pay the late payment and then they said I owned late fees for XXXX dollars extra for something their app has problems

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have now submitted three SAVE applications because of Nelnet issues/errors/incorrect information provided. My current SAVE application is still pending ( initial application was in XX/XX/2023 ). I have called Nelnet several times with wait times of up to 3 hours. I am being told that I now have to wait an additional 1-2 weeks to have something manually re-applied to my loan in order to allow me to make a {$5.00} payment to move to the SAVE account ( and since it is mid- XXXX, I imagine this will be a much longer wait due to the holiday ). I am concerned this will not happen before my payment is due in XXXX, and the amount is insanely high ( standard repayment amount ) and I can not afford it. 

I also requested records of all past payments made to XXXX XXXX, my prior servicer. I was given vague records of payments made on closed loans that have since been paid in full. The records did not show last payments made on my current loans. I still need this information to verify that the Nelnet balance is accurate. I am not able to obtain these records from XXXX XXXX. 

I need assistance resolving these issues, most importantly the SAVE application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: GOLDMAN SACHS BANK USA
State: CA
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:
On XX/XX/23, I placed an order for a new XXXX, with a total cost of {$1500.00} using my Goldman Sachs Apple credit card on file. The order was placed via Apple 's official website and was processed for installment payments. The delivery was scheduled for an unknown TBD date in the future- as is often the case upon the early release of new XXXX 

I require signatures for delivery of high value items such as the XXXX, however, I was only notified of the delivery AFTER the courier company ostensibly performed the delivery. I was NOT at my residence, an open-air apartment building, at the time of the supposed delivery. 

I received an email notification from the courier stating that the package had been successfully delivered to my address. To my shock and dismay, I never authorized such a delivery, nor did I receive photographic evidence ( or any other form of evidence ) to substantiate the claim that the parcel was in fact delivered. 

Upon arrival at my apartment residence to retrieve the parcel, there was no proof of delivery at my doorstep or in my mailbox. I immediately contacted Apple and filed a complaint regarding the missing delivery.

I have also reported the incident to the local police department, and a copy of the police report has been submitted to Goldman Sachs and Apple.

At this juncture, I have been abundantly patient, but am now eager to resolve this situation as swiftly as possible currently, this process has been dragging on for months. And it has become increasingly obvious that other consumers such as me are being left in a never-ending loop. 

There are seemingly few protections in place to guard injured consumers in this situation. As such, I am alerting other consumer protection agencies to bring attention to this unjust situation. 

Unfortunately, as a consumer, it appears there may be a direct conflict of interest between the Apple Card userbase experiencing such concerns and the financial entanglements between Goldman Sachs and Apple.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13
Company: Uplift, Inc
State: NY
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:
Yesterday, XXXX XXXX XXXX  I was notified via XXXX XXXX that XXXX dropped my otherwise good credit score by XXXX points! Shocked at this revelation, I immediately looked into my credit report to discover that UPLIFT, a loan installment company, reported me late for {$4.00} of residual interest left over from a loan I had satisfied in XXXXXXXX XXXX. Needless to say, I was shocked that I even had a balance with UPLIFT and that they ruined my credit score for {$4.00}. When I called UPLIFT to inquire about the sixty-day-late credit reporting, they said that my loan, which I paid in installments on time in five amounts of XXXX had accrued interest. I was told by the representative that the final payment that I made of {$850.00}, which was slightly hire than the other months, was my final payment and that I would be paid off for the loan. Why hadn't all the interest been applied then? At no point and time was I told to look out for any residual accrued interest ... at all. In fact, my the online portal showed me paid off at the time of my last payment. I spoke to a representative and a supervisor at UPLIFT who were very indifferent and told me that they had sent emails. With SPAM and all of the junk email I get, I didn't see these emails, especially since I hadn't been looking for anything from UPLIFT because I had paid the last installment. I asked why they hadn't notified me by other means like ; via cell phone, sms message, or US mail if I had not been reachable. Surely, I would've paid the {$4.00} immediately if I'd know it was outstanding rather than ruin my good credit that I've always taken pride in maintaining for many years. They're response was that they only notify by email and that only some customers will receive an SMS in addition ; how they determined who gets the secondary notification is beyond me. I'm shocked, despondent and in total disbelief that a company who I had been in very good standing with in paying all of my installments as agreed, would seek to ruin my credit for a mere {$4.00}, the price of a cup of coffee, moreover, without giving me a fair chance to resolve this very insignificant amount. It is not fair that I suffer a hurt credit score for seven years because I didn't know that an account I paid off accrued {$4.00} of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My wallet was stolen on XXXX. I immediately called my credit card companies, including Macys citi bank American Express. The thieves had already charged approximately {$2500.00} on my account. I told Macys Citibank American Express that I had filed a police report and the charges were not mine. Although they said they are investigating and are not making me make a payment right now the charge still shows up on my credit report. They also reported me for being over my credit limit of {$2300.00}. So I filed a report with all three credit reporting agencies. However it says the dispute has concluded and the amount reported was verified. But they show a XXXX balance. The problem is I was never over my credit limit and I never made that charge. Nor did I pay for it. So clearly it is incorrect information on my credit 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 2023-12-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
After attempting a wire transfer out of country on XX/XX/XXXX, Wells Fargo Fraud Prevention blocked the transfer and reported me to a State Agency responsible for Adult Protective Services ( APS ). I was attempting to procure electronic equipment through a nonXXXX company. On XX/XX/XXXX, Wells Fargo sent me an email, then a letter, to inform me they were closing my checking account on XX/XX/XXXX. I went to the same Wells Fargo branch on XX/XX/XXXX to close the account and withdraw the funds in the account. Once there I was informed the " review '' or investigation was extended to XX/XX/XXXX ; several days later a letter saying the same thing arrived at my home mailbox. In between this time I was contacted by APS by phone, then by a home visit, where I was subjected to a cognitive test. The APS person determined I was not impaired, and said the case would be closed. This obviously upset me significantly. When at the bank on XX/XX/XXXX, I was again informed that the review was extended to XX/XX/XXXX. I objected, complained that this was the second extension, and asked why. I was told the review was not complete. I asked what was being reviewed since I had no activity on the account since early XXXX. I attempted to explain that the funds were critical for XXXX, and I felt this had gone on long enough. I called the Fraud Prevention phone number on the letter, and was told they weren't going to release the account until XX/XX/XXXX as stated. No reason given. I then submitted a complaint at the branch.

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