BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$680.00}

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 non-monetary relief
Consumer complaint received 2019-10-24
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO ANY TRANSACTIONS MADE ON THESE ACCOUNTS. BECAUSE OF THOSE NEGATIVE ACCOUNTS IT HAS CAUSE GREAT HARM TO MY CREDIT AND SCORE. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-07
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
To my understanding, when I signed up for an Apple Card in an Apple store, Apple automatically setup the account to be both paperless and to go to the email that is my AppleID. I don't use this email as anything but my Apple ID. That said, I payed off my account for that original purchase of an ipad in late 2019. Then sometime  before XXXX the Apple Card became the default card for itunes/app store payments - it's unclear to me how - maybe automatically when the previous credit card expired? This lead to two unaccounted for app purchases for {$13.00} ( likely my 6yo daughter ) in XXXX not being realized until XXXX. While the Apple Card is supposed to be managed in the mobile device, I got no notifications or warnings or physical mail or phone calls. Only the emails to an email address I don't monitor and don't recall choosing for the account. By then I had two late payments reported and my FICO score dropped 109 points. It's also too late to dispute the app purchases and charges. So I called Apple and they forgave the interest on the 13.72 but said they could not do anything about the late payment reports. The refunded interest  charges were {$0.00}, {$0.00}, {$0.00} and {$0.00}. I'm no lawyer, but it seems to me that two late payment reports on less than {$15.00}, with questionable and lazy business practices to make sure I'm aware as a customer, and get me with two late payment reports and a resulting credit drop of 109 points seems unfair, unwarranted, and  frankly far too punitive. I can obviously handle losing {$13.00} for the apps, but to impact my credit score to that degree and my ability to get a loan to buy a house with enough room to handle two parents  and XXXXyo all working and schooling from home, while parenting another XXXXyo child, in the middle of a pandemic. I'm upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: EQUIFAX, INC.
State: SC
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've been a victim of identity theft. My information was expose in both the Equifax breach in XX/XX/XXXX and when South Carolina taxpayers were exposed after a server at the state 's Department of Revenue was breached in XX/XX/XXXX. I've noticed several accounts listed on my credit report that I was not aware of nor did I open or benefit from. PLEASE ACCEPT THIS COMING FROM ME, MYSELF, I WILL ALSO MAIL IN COPIES WITH MY SIGNATURE VIA CERTIFIED MAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX was disconnected due to service not working and XXXX was installed but XXXX  continues to harass me about XXXX XXXX  payment which was never incurred

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Not many actions taken by myself on this issue. I would like to report on a 10 year auto loan a company is attempting to collect on. I've received 3 different calls from different companies on the same debt. Here are the dates/times. 

First call received on XX/XX/XXXX from XXXX from a XXXX XXXX XXXX XXXXXXXX. 

2nd call received on XX/XX/XXXX from XXXX from a XXXX XXXX XXXXXXXX. 

3rd call received on XX/XX/XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX Not mine delete/remove from my credit file. 
I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX XXXX Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX Not mine delete/remove from my credit file

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 2022-02-28
Company: EQUIFAX, INC.
State: AL
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:
Equifax did not properly investigate the account listed on my credit report. I contacted The XXXX XXXX XXXX to inquiry about an old account that is listed on my credit report. I contacted this company and they did not have any information on this account because the customer service representative named XXXX said it was sold to XXXX ( XXXX XXXX XXXX ) she gave me their phone number which is XXXX. I called this number and it says that this company is permanent close. Equifax is saying that this account is verified and accurate how is this so when the company do not have any information and the company that bought this debt is permanently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
01 XXXX XXXX act # XXXX is a fraudulent account appearing on my credit profile that I have been disputing for a long time with no luck.

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 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
My name is XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years I have attached a copy on my ID for the correct spelling of my name. Please remove any and all variations of my name and misspelling. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong to me : ( 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 2017-09-20
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed a complaint twice against this company and asked for verification of debt the company sent me a copy of another customers information in XXXX. They refiled debt in XXXX and renewed the collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX # XXXX the dates were XXXX. XXXX XXXX XXXX # XXXX the dates wereXXXX XXXX, MyXXXXXXXX XXXXXXXX XXXX XXXX # XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021, I formally contacted American Express to close my personal AmEx Gold card ending in XXXX. I received confirmation from the American Express representative that the account was closed and that no further transactions would be processed on the account. As a result, I was under the impression that the account was closed in its entirety. 

Much to my surprise, on XX/XX/2021 I received notification from American Express that there was an outstanding balance of {$560.00} because there was two transactions that AmEx processed AFTER my account was closed, including : 1 ) Transaction # 1 - {$14.00} processed on XX/XX/2021 2 ) Transaction # 2 - {$550.00} processed on XX/XX/2021 In addition to processing these transactions without my authorization, AmEx is threatening to assess interest charges on the unpaid balance even though these transactions took place AFTER I closed the account and the transactions were processed WITHOUT my approval. As a result, I am contacting CFPB to request support, as I believe that I should not be liable for these transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-07
Company: EQUIFAX, INC.
State: MO
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 am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX Not mine delete/remove from my credit file. 
I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX XXXX- Not Mine delete/remove from my credit file. 
I dispute : XXXX XXXX Not mine delete/remove from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
First, I want to acknowledge that I am the Original creditor, consumer and natural person. On XX/XX/21 I received a letter from capital one stating that my account has been closed due to adverse past legal action. On XX/XX/21 I sent capital one a certified letter with return receipt asking them to provide with me with where and whom had given them this information on my credit file. As a consumer they have violated my right to credit in pursuant to 15 USC 1691D ( 6 ). I received a letter from capital one on XX/XX/21 validating the debt which I did not ask for. Capital one has failed to provide me with the proper documentary evidence which has led to my inability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Im shocked on your current method of investigation into these 2 accounts screenshots below. For months now, I been trying to reach out to your organization to get these accounts corrected, removed, and deleted from my credit report. Its impossible that your organization investigated these accounts below because by law the account status should been updated, but for some odd reasons, it continues to report incomplete, misleading, erroneous info on this account. For example, why there are inconsistencies with different dates of last active, dates of last reported, dates of last payment, and different inconsistencies with the payment history. 

I have these questions if you already investigated : What is the 1st date of 1st delinquency with this account from XXXXXXXX XXXX XXXX? Why the account status is incorrect? Why the account type and responsibilities show LEASE and Joint, where it shouldve said installment sales? Why I never received 1099C on the chargeoff/collection account? Plus, on the XXXX XXXX account, why the payment history is so inconsistent showing 3 different dates of last active and payments and where one credit reporting agency shows I was not late for particular months, but the others show I was late 30/60/90 days..Why? Incomplete and misleading?

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 2020-09-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is all a farce ... You have to pay to obtain the actual score ... I could not even access one of the major three credit reporting agencies because I did not know what address or telephone number they had on their file. Meanwhile these credit reporting companies expect you to correct their information. One did not even have my correct birth year - they had me being 20 years older - and then they expect me to provide documentation to prove my corrections. 

My credit score went down 40 points in the past 2 months ... because I have no debt. We are in the middle of a pandemic ... people are unemployed and can not pay their rent ... and I made the conscious decision to pay off all of my debts and live within my means and the credit rating agencies penalize me. 

And what does CFPB do ... nothing ... This government agency is as much a fraud as everything else. No wonder fewer and fewer people trust the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Prior to XX/XX/XXXX @ XXXX I had called NETCREDIT one other time asking to do a settlement for $ XXXX and my bal is {$4100.00}. I only borrowed $ XXXX & I was on auto draft for {$92.00} a mo. I paid on auto draft for 7mo and in XXXX of XXXX I called in to reschedule my draft date because of some other bills due and I wasn't going to have the money to pay them. So when I asked what was the new balance I was told I owe {$4100.00}!!!! I was IN DISBELIEF AND SHOCKED! I asked why!!?? Because I've paid on time for 7mos straight, the rep said I have a daily interest rate of 6.?? % ( I can't remember the exact amount but I know it's over 6 % )!!!!! I said I was NEVER TOLD THAT I WAS ONLY TOLD THE APR IS 59.XX %! I SAID I'LL NEVER PAY THIS OFF BECAUSE I'M PAID BI-WEEKLY NOT DAILY! I have never had a loan w/a daily interest rate!!! I DIDN'T HAVE KNOWLEDGE SO I DIDN'T ASK AND THEY DIDN'T TELL!!!!!!! I took out the loan to pay off 2 credit cards & other bills to get out of debt but I've dug myself so deep I can't get out of this one. So when I called in XXXX of this year to try to settle I was told " THE SYSTEM MAKES THE DECISION WHEN THE ACCT WILL STOP ACCUREING AND CLOSE OUT THE ACCT ''! I said what! that doesn't make any sense as a large corporation THEY should be able to tell me when I'm EXPECTED to go to a collection agency and or when I can expect to go to court for this money. This company doesn't call you at all they just email you monthly & I FIND THAT VERY STRANGE!!!! I GOT THE LOAN XX/XX/XXXX AND I stopped paying in XX/XX/XXXX & they haven't called not ONCE! I have blocked them from emailing me so why don't you call because they KNOW THEIR ARE PREDATORY LENDING!!!!!! I'm going to seek legal counsel and or let it stay on my credit report for 7yrs and or wait for them to hopefully turn me over to the collection or take me to court to explain WHO THEY REALLY ARE. THE OTHER NAME THEY'RE UNDER IS : NC Financial Solutions of Georgia, LLC, d/b/a

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on XX/XX/XXXX and XX/XX/XXXX, someone had accessed my account on chase and XXXX payment to someone named XXXX XXXX in the amount totaling XX/XX/XXXX. they had sent two XXXX payments, one for XXXX and another for XXXX. I have never sent money or had contact with this person and i have never authorized this transaction. chase gave me a temporary credit but today i was notified that my claim was denied and they are reversing the credit. i have reset my username and password on my account since then because chase agreed that my account was compromised and that i should do that.

Company response to consumer: Closed with monetary relief