BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-16
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I recently applied for and received the Apple Card, issued by Goldman Sachs. One of the major benefits touted on Apple 's website is the ability to pay for Apple products over time, in an installment plan method, whereby the consumer is charged the taxes and fees upfront, and then the remainder of the purchase price is amortized at no interest over 6-12 months. 
I recently purchased a qualifying Apple product on said installment plan, however I found the full amount was being dinged against my available credit. After speaking with Goldman Sachs and Apple, it appears they find this to be normal and that the full amount will remain against my available credit until I pay down the installments. This is obviously not how an installment plan works, nor more importantly, not in any way how it is advertised. I basically got the Apple Card to use the installment plan feature of the card, and now I find out it's basically a lie and the full amount will be dinged against me. Please force them to stop XXXX. I literally would not have gotten this card otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: CA
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:
This is my formal complaint to EQUIFAX for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
One Main financial has called my wife and I a total of 10 times today. I was at work and unable to answer. My wife was sleeping for her overnight shift tonight. This has caused a significant issue for my wife and I since she was unable to get enough sleep tonight so that she can work. This is textbook harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Company: EQUIFAX, INC.
State: NV
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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Re : Equifax It was recently necessary to unfreeze my credit reports. XXXX  and XXXX  were no problem. Going on line with Equifax was frustrating and unsucessful. I had to call them numerous times, sat on hold for a total of more than 3 hours and was repeatedly disconnected when transfered from one agent to another. The final agent was uncooperative and kept asking about ancient credit card accounts for which I had no recent statements or cards. Although they all had XXXX balances, she would not allow me to change passwords or access the account.I recieved a letter after sending copies of my drivers license and XXXX card regarding inaccurate information on the account. There was none, nor did I complain about any. My credit scores are among the highest possible and I am not a deadbeat trying to better a poor score. It was completely inappropriate to treat a credit worthy consumer this way. 
I complained to the supervisor about the agent Equifax must be made aware that major changes are necessary. 











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Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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: Investigation took more than 30 days

Complaint:
I sent a letter over 45 days ago. According to the FCRA, I'm aware that you have 30 days to investigate and respond to my dispute.You must remove the inaccurate information on my credit report immediately. I reattempted to contact you with a follow up letter but there was still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Experian Information Solutions Inc.
State: TX
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 have sent multiple dispute letters to the bureaus challenging a Bankruptcy that is reporting inaccurately. Date of filing and Reference / Case number is wrong and is reporting wrong. Bureaus are reporting Case No XXXX but I'm seeing something completely different. Please help us get this resolved. Attached are the bankruptcy documents

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 2020-10-16
Company: Experian Information Solutions Inc.
State: CT
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:
CFPB allowed Experian to closed dispute number XXXX as a " duplicate '' which is far from the truth. 

Experian 's complete and utter failure to make the corrections previously reported, does not make this dispute duplicative. It makes is a violation under the Fair Credit Reporting Act. 

Marking this has duplicative ignores the rights under FCRA including but not limited to : The right to dispute incomplete or inaccurate information Experian must correct or delete inaccurate, incomplete, or unverifiable information It is not optional. Experian must make the corrections and they have had more than ample time to make the corrections. They have failed to do so. 

XXXX XXXX XXXXXXXX

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 2020-08-25
Company: URS Holding, LLC
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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The  presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Upgrade, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have a standing debt balance with upgrade credit card company, they charged illegal fees after the account was closed and send the account to collections, the collection company called and illegally went inside my credit report and threatening me used profanity language, harassment and discrimination to let me know that she could see all my expenses and how I was using my cards and asked me for ab explanation of why I used that credit and refused to pay it back I said crying that my dad passed away and lost my job and I had XXXX XXXX she laugh at me They sent this account to another collection agency and they did the same they called me harassing me asking to get money from my mom and family members

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions 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:
I disputed negative and inaccurate and incomplete information on my credit report with all three bureas XXXX, XXXX Experian on XXXX, XX/XX/20, XX/XX/20 and they have yet to respond to any of my letters.

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 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a collection account from XXXX and TransUnion continues to report a {$3900.00} balance. This amount is incorrect. The correct balance is at or around {$3600.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: IL
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 reaching out to your company because I am seeking assistance with having the credit bureaus do their due diligence in rectifying discrepancies found on my credit reports. This issue is has been escalated because the companies are failing to do their job. 
In XX/XX/2023, I initiated factual dispute letters on behalf of myself to XXXX XXXX, Equifax, and XXXX. The letters contained detailed information and facts to support my claim of an accuracies on my credit report The accounts that I disputed were the Department of EducationXXXX XXXX XXXX XXXX and XXXX. All of these accounts are reporting inaccurate information to the three credit bureaus which is detrimental to my financial health. 
Previously I have submitted disputes but I am encountering the same results with each bureau as they are claiming to have done investigations in which the information is verified through templated responses. However, I challenge that as incorrect/not legitimate as it only takes a quick look at the reports, l to see that something is amiss. They have a responsibility to reports verified, fair and accurate information and they are not doing so. I also reached out to the creditors and they are unable to provide assistance. 
I did receive correspondence from the bureaus and I will attach it in the attachments section of this complaint form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit was perfect! I'm in the process of buying a house in discovered that XXXX  is reporting late payments on my credit report, which is not true. This has drop my score 60 points and causing high interest rates for my loan!

In addition, when you try and login to the system is does not give the option and prior to that it stated no payment were due on the account. However, they are reporting negative information on my account. They have placed this information across all three of my credit reports.

The only negative on my credit report is XXXX  and XXXX, which XXXX XXXX is incorrect, old and reinserted!

Please assist ASAP.

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 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 are reporting a collection account with XXXX XXXX XXXX  in the amount of {$19000.00} on my XXXX  and Transunion   credit report. This is not my account. I have disputed this account several times with the credit bureaus and the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
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: Account status incorrect

Complaint:
I have an inaccurate 30 day late on my credit report which is up to date and payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2020 I mailed a dispute with Experian credit reporting agencies in regards to inaccurate information reporting on my credit report with no response. Also on XXXX/XXXX/2020. I mailed a Demand and XXXX XXXX. and still haven't received a response. I never received any notifications in regards to investigation results. It has now been over 30 days. 
Per the fair credit reporting act section 609 they must remove the following information or be in direct violation of my consumer rights as a result of non compliance with the 30 day statue of limitation stated in the fair credit reporting act.

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 2020-06-01
Company: EQUIFAX, INC.
State: TX
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 dispute with equifax XXXX, and XXXX   regarding collection on account XXXX XXXX XXXX XXXX XX/XX/18 and current results were that account was accurate how can it be if it wasn't fully investigated. I provided factual documentation to support reason to why the charges are inaccurate and that i am not responsible for debt today results for XXXX  was completed and online but it would not let me dispute error on website unless there is something wrong with their system this needs to updated and deleted from credit report immeditely. i need adequate proof this is owed i want to know what XXXX XXXX XXXX  is providing you to say this debt is accurate have you contacted XXXX  XXXX   original creditor regarding this account..did you get documentation from XXXX XXXX XXXX  beside a lease and ledger car like they provided me. need answers how are you conducting your investigation do you have a team work on this or is this all generated automated .. did you even look through the lease and compare ledger does it align with the contract did you request additional supporting documents. did you request early termination addendum its no way you can say these amounts are accurate and correct to the best of your knowledge when i provided proof of a 60 day notice to management who agreed to let me out of lease she stamped and signed which doesnt hold me liable for amount requested. thank you please review documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX FIN 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 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 2021-01-25
Company: EQUIFAX, INC.
State: MS
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 reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I applied for the Capital One Quicksilver credit card during the second week of XX/XX/XXXX. 

On XX/XX/XXXX, I received an electronic letter ( to be attached ) declining my application, for the stated reason that one agency ( XXXX ) indicated that I had insufficient duration of credit.

On XX/XX/XXXX, I wrote a letter ( attached ) to Capital One appealing this decision, attaching my current XXXX credit report ( also attached ) which clearly reflects the fact that I have had the same credit card ( XXXX XXXX ) since XXXX as well as a mortgage in good standing with XXXX since XXXX. 

I received a response letter from Capital One on XX/XX/XXXX ( the letter is dated XX/XX/XXXX ) which acknowledged my letter and reported no change in their decision to deny my application. 

I believe that Capital One 's denial of credit to me was based on their erroneous interpretation of a single credit agency 's report. They cited no other reason for denial of credit to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Rosebud Economic Development Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I requested to pay off the loan in one payment which would result in the cheapest pay off result. However, when the automatic pay off amount came out m account it was for a XXXX when it should have been XXXX $ which is the {$500.00} i borrowed plus the XXXX $ fee charge for borrowing. I called to correct the mistake. And when i asked for the pay off amount it was {$850.00}!! I asked to speak with a manager to listen to the call i placed when i requested the loan and was instructed i would have to pay the XXXX $ as the call stated i requested the one time pay off but was instructed to call back to complete that arrangement. I am not paying that amount when i ask to pay on ly the lowest amount a fees.

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