BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I recently cancelled my credit card requesting a replacement due to the card being lost. I also requested a new electronic card number. I was told and completely expected, it was my responsibility to update companies with the new card information. Apple took it upon themselves to send my new card information to at least one company without my consent resulting in an unauthorized payment. I immediately contacted Apple to prevent the processing of the transaction of which they refused saying I needed to reach out to the organization. It is my belief they had not right to pass on my new credit card information to anyone. I view that as a violation of my privacy. At a minimum they should have requested my permission to supply this organization or any company with my credit card number. I have never experienced this before with any credit card company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Experian Information Solutions 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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. XXXX - XXXX XXXX XXXX has been reporting late payments on my credit report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.

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: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My middle name was added to my credit card with Chase some time ago. I did not request this. Chase does not know why it was added. My first, middle, and last name combined exceed the maximum that will fit on a card, and my last name is getting cut off and this is causing me problems. Chase refuses to correct this problem unless I legally change my name, despite the fact that I hold three other credit cards and a checking account with them which do not include my middle name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Caliber Home Loans, Inc.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/2021 payment was made online using my routing number and checking number saved in their system. 
on XX/XX/2021 did the same online payment and they say the bank rejected it because of the account number. I just checked and it is now wrong!! it wasn't wrong last month..!! they added an extra number in my account number making it WRONG. 
The only way to get hold of them is a XXXX number that says the call can not be completed at this time. No email address... 
Caliber Home Loans , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Support Collectors, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is regarding a rental car damage that does not belong to me, with XXXX XXXX XXXX XXXX. The car had insurance and the damaged was caused by another party not me. The incident was reported and resolve by insurance company. This collection company is trying to get money from me that I do not owe. I rented this car for third party that already resolve this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 I deposited a payroll check via mobile app to Chase Bank. The check has been on hold since and my account is restricted from deposits and withdrawals. Multiple deposits are now in limbo because of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: EQUIFAX, INC.
State: NM
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 filed a dispute with Equifax on XX/XX/XXXX when I discovered they were reporting an open car loan account with XXXX XXXX XXXX XXXX XXXX as closed with a last payment XXXX of XXXX, when the most recent payment was last month ( XX/XX/XXXX ). They were also inaccurately reporting my last name, so a drivers license was uploaded to their website to verify last name. On XX/XX/XXXX when I went to the online dispute website to check the status of the dispute, a message said to call XXXX to provide more information. On XX/XX/XXXX I spoke to " XXXX '' at the XXXX number. She was very difficult to understand and spoke with a heavy accent and appeared to have difficulty understanding me. She said my name had been corrected but the car loan dispute was ongoing. This morning I received an email stating my online dispute was complete, however when I followed the link to the dispute center, I again had a message to call the above referenced number to provide information. There was no information on Equifax online dispute website site regarding the status of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: EQUIFAX, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
Dear Sir/Madam, I had submitted a dispute that I was never late against XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX, XXXX, MA that I was never late in XXXX when they reported to the bureaus that I was late by 30 days. I have proof that the investigation was resolved in my favor. They refuse to take out the negative connotation and then when I showed them the letter ; they changed it from XXXX to XXXX causing my credit score to drop 100 points. Please find the letter attached clearly stating that the dispute was resolved in my favor. They are playing games and just moving the dates around when the dispute was clearly resolved in my favor to damage my credit rating. Due to this I'm unable to get a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2021 I sent Navy Federal Credit Union an Affidavit of Truth and Lending certified mail regarding a fraudulent auto loan that they approve on my behalf. The terms to the Promissory Note states The owner ( s ) of the collateral warrant ( s ) the he/she is the owner of the collateral listed on the front ; that there are no other liens or claims against the collateral.

15 USC 77q states It shall be unlawful for any person in offer or sale of any securities ( including security-based swaps ) or any security-based swap agreement ( as defined in section 78c ( a ) ( 78 ) of this title ) by the use of any means or instruments of transportation or communication in interstate commerce or by use of the mails, directly or indirectly and that contract promise was not fulfilled by Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi my issue is someone applied for several unauthorized accounts in my name XXXX being one of them rather then treating me like a customer ( victim of identity theft ) /consumer they had sarcasm because I didnt catch it sooner even after I explained what happened with my loosing my mobility and filed all the proper paperwork I just want the issue resolved and off my credit report now because this happened to prevent any in the future I have credit monitoring and put a fraud alert on my credit profile

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 2023-11-16
Company: CITIBANK, N.A.
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/2023 I erroneously made a payment on my Citibank credit card of nearly {$6000.00}. On XX/XX/2023 at about XXXX  ( PST ) I realized my mistake and called Citibank to receive a refund. I was informed it would take approximately XXXX - XXXX business days to receive my refund via paper check. I complained, and a supervisor 'over-rode ' the system so that the refund could be directly deposited to my bank account. However the refund still would not be issued for XXXX - XXXX business days. This seems like a long time, given the speed with which electronic transfers can be made. I asked to speak to the supervisor. I believe his name was XXXX, who repeatedly told me the same information, continuously interrupted me and did not listen to my concern. When I told him that, based on our discussion, i wanted to close my citibank credit card account, he asked for my text number to send verification, which I gave him. I asked that he also send confirmation that the refund was being processed. He refused, saying there isn't a system e-mail for that purpose, and he couldn't send personal information via e-mail or text. I wasn't asking for personal information, just a confirmation that they were working on my refund. I tried to tell him this, but he talked over me, and ultimately hung up on me. I have not received the text he said he would send to verify closure of the account. I have no assurance that my refund is being processed or will be made in a timely manner.

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 2021-02-03
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:
I XXXX XXXX am writing to delete the following information in 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 as they are back tracking me from my goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX. I called TransUnion because the numerous credit inquiries were not made by me. TransUnion continued to tell me that I needed to catch each creditor to dispute these inquiries. After I did my research and called the creditors and was told that I needed to call TransUnion. Also I gained knowledge that by law I needed to dispute with TransUnion. TransUnion continued to ignore my request to dispute these inquiries.

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 2022-01-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX someone walked into a Wells Fargo Branch in XXXX Florida and withdrew {$5000.00} from my joint account. I was not provided any information requested such as how did this happen or why it happened in the first place. My money was returned to my account on XX/XX/XXXX and I have not been contacted since by Wells Fargo with any explanation. I had submitted a police complaint and an investigation was opened. A subpoena was submitted by the police dept and never responded to which led to the case being closed due to lack of cooperation on Wells Fargo part. I have the letter where Wells Fargo explains it will give the Branch Manager permission to share the withdrawal slip as well as video footage as well as communication from the detective alerting me to the fact that they would not share any information and were being " difficult ''.

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 2022-02-03
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citi card double cash provides cash back, this cash back can be applied as a statement credit. The issue is when you apply your cash back as a statement credit it also reduces the amount owed. However they amount showing as outstanding is wrong. What they don't tell you is that you have to pay the amount owed prior to statement credit. So our account showed a balance of say {$2000.00} we applied a {$500.00} statement credit and the amount due was {$1500.00}. When I'm actually we needed to pay the {$2000.00} in order to avoid interest charges. No where does it tell you this, if you call in, look online, or check the app they all will tell you that you're new amount due is the lower amount. So when we paid that amount they charged us interest for the total amount due. When we asked about how we were supposed to know that we had to pay the higher amount nobody could explain or show us anything. The reality of the program is that the statement credit applied only to the current statement not the statement that is due.

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 2022-02-03
Company: CITIBANK, N.A.
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:
Re : Identity Theft Notification To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my ID and social security card as proof of my identity. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : - XX/XX/2020 XXXX - XX/XX/2020 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
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 have never missed a payment on this car or any other car or credit card, etc. Ive worked very hard to maintain an XXXX XXXX XXXX and I dont think that I should be penalized for capital ones mistake. The car was paid off on XX/XX/XXXX and was confirmed electronically on XX/XX/XXXX. I had even check in again with the dealership on XX/XX/XXXX to confirm that payment had cleared and they assured me it had. I have provided all the documents and bank transfer paperwork to capital one and still was not offered any type of resolution. With XXXX look at my account anyone can see that I have stellar payment history and I would never let this happen to my credit without some type of error on their part. 
Thank you for taking the time to look into this issue. I know that a lot of companies just look at issues like these as XXXX less customer but I have worked very hard to maintain a high credit score and I feel that capital one shouldnt hold me liable for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT NAME : XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Revolving ON THE 3 CREDIT BUREAS THE DATE OPENED /DATE CLOSED /LAST PAYMENTS DATE /AMOUNT OWED ( BALANCE ) AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUND FOR REMOVAL THIS ACCOUNT IS FRAUD N ACCORDING TO THE 'FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD SHALL BE REMOVED FROM THAT CONSUMERS CREDIT REPORTS WITH IN 4 BUSINESS DAYS OF THE RECEIPT OF FRAUD!!!!

RESPONSE DISPUTE! 

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT IT IS NOW XX/XX/XXXX XXXX XXXX more than 30 days!!! 

15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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