BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 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 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

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 2023-04-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 


XXXX XXXX XXXX XXXXXXXX Balance : {$430.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance XXXX {$81.00}

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 2023-04-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
there 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 2021-12-22
Company: Diversified Adjustment Service, Inc.
State: FL
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:
THE FOLLOWING ACCOUNTS ON MY REPORT ARE NOT MINE, IVE REACHED OUT TO DEBT COLLECTOR AND THEY DIDN'T ALLOW ME TO EXERCISE MY RIGHTS AS AN CONSUMER : 1.DIVERSIFIED ADJ SVC ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am having the worst experience with State Employee Credit Union. It all started in XX/XX/2018. I was having an issue with XXXX accessing my account. They debited on XXXX and XX/XX/XXXX. I don't know how they received my information but I disputed it. That went well but I was advised they would be blocked and of course they were not. So I called back and was advised to switch debit cards. So I did, Then XXXX charged the new account. I then closed the account per bank advise again. And yes XXXX now has charged the new acct. So then I was advised that banks give the company 's the new card numbers. Never heard of such a thing. I was advised to again get a new card and stop the process of giving the company my new information. As if all of that was not enough. On XX/XX/XXXX I started paying my XXXX XXXX payments via checking account and XXXX closed my account via checking account reporting closed when we call into credit union the account was clearly open. Now today I tried to deposit funds from my XXXX account. Now they are reporting the account I just opened and have direct deposit to is closed. I contact the bank and stated I have not used the account in 3 days so they closed it. I just cant get a break with this bank. Its so many grey lines and I have never experienced with any other bank. I am terrified of what to expect from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: FIRST NATIONAL BANK OF OMAHA
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX XXXX sent me an offer via mail for the XXXX XXXX XXXX XXXX XXXX an 8.99 % fixed APR on transfers made within the first XXXX billing cycles. The cards are issued by First Bankcard. I was provided a " XXXX XXXX '' & the option to apply online at the following web address : yourbankcard.com. 
I applied online & never received any information stating that I was approved, much less the credit limit I was approved for. I was never sent an email confirmation or anything similar. 
Not too long after that, I received credit cards in the mail in my & my husband 's names w/ instructions on how to active them. On XXXX XXXX, I called the phone number listed on the card to get more details & it was then that I discovered the card 's limit & that the card was already assigned to me - as in tied into my credit. I talked to a rep & informed him that until my call, I was unaware of the credit limit assigned. Had I known, I would have declined the card. I needed to transfer more than twice the amount XXXX XXXX  assigned as the limit. He & I went back & forth on the difference between " applying for '' an offer & " accepting '' an offer. I find it hard to believe that someone 's application process serves as an agreement to terms that are n't provided. I do n't believe it 's moral to provide partial information to lure someone to apply for something & use the application as a binding agreement to unstated terms. 
The XXXX rep I talked to on XXXX XXXX said the terms were provided during the application process, yet when I asked for a copy of the terms he was referencing, he nor his supervisor were able to supply them. Furthermore, I was told that " if the terms were n't provided during the application process, they would have been sent with the credit cards. '' However, that 's my point : I do n't want to discover the terms after I 'm already committed to it. I want to know the terms ahead of time so I can decide if the offer fits my needs. I want this card removed from my credit history all together, not just closed. 
In addition, my smartphone will not clear data from the website " yourbankcard.com. '' I 've even conducted a hard reset, yet that website retains the same amount of data. I applied for the card on my laptop, & my phone is n't synced to the laptop. Any insight on removing this data would be appreciated as well.

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 2020-10-21
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid 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:
I purchased two XXXX XXXX  form XXXX XXXX XXXX using Goldman Sachs Apple credit card on two different dates, and I have returned both items. I am still being charged to make payments  on the first XXXX XXXX  I returned. Please see below for the breakup fees. Merchant : XXXX XXXX XXXX. Credit Card Company :  Goldman Sachs Apple credit card. XXXX XXXX # 1 Purchase date : XX/XX/XXXX Return date : XX/XX/XXXX ( shipped back to XXXX ) Total cost : {$3900.00} ( XXXX XXXX, XXXX XXXX XXXX, Tax XXXX ) Apple invoice number : XXXX ( confirmation of refund ) Its been 3 months now and I am being charged installment on this XXXX XXXX  which I don't own. Apple confirms receiving the item and refunding the credit card. I have filed a dispute with Goldman Sachs Apple credit card, and they resolved  the dispute in favor of Apple twice without asking me for the proof over the last 3 months. I have asked Goldman Sachs for the evidence they used to make and decision and I am yet to receive it. I  have called XXXX XXXX  several times and they confirm receiving the XXXX XXXX and refunding the credit card company. I have spoken to several Goldman Sachs managers, most recently XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ), they understand the problem but were helpless. I have spent several hours talking to people at Goldman Sachs, everyone seem to understand the problem buy no one has  been able to resolve it. I have already made over {$700.00} installment payment towards the XXXX XXXX  I don't own just to not default on credit and I am due to {$520.00} by XX/XX/XXXX. I have been abused by this credit card company. XXXX XXXX  # 2 Purchase date : XX/XX/XXXX Return date : XX/XX/XXXX ( shipped back to XXXX ) Total Cost : {$3800.00} ( XXXX  XXXX, XXXX XXXX XXXX, Tax XXXX ) I received complete refund on this XXXX XXXX. The only reason I am including this here is because I dont want people to confuse refund on XXXX # 2 as a refund for XXXX # 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Experian Information Solutions 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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with experian. this has been an on going issue that needs to be resolved. checking the information listed its not 100 % accurate on all credit reports an that's causing alot of denials please delete an remove 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 2022-12-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have tried challenging the 100 % accurate reporting of information being reported by XXXX XXXX and equifax for an account that reads that the creditor is XXXX Bank various times ... ..each time they send letters saying that they are reporting accurate information... how is that so i am looking at my credit report as we speak and can see the inaccuracies... all 3 credit bureaus are violating my consumer rights so i am reaching out to you the cfpb for help .... 

this account is reporting 3 different dates of last payment transunion and experian are reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX but if you look at equifaxes 2 year history they are reporting XX/XX/XXXX as the date of last payment they are reporting 3 different dates of last active transunion is reporting XX/XX/XXXX XXXX  is reporting XX/XX/XXXX equifax is reporting XX/XX/XXXX this company is reporting this as a charged off account but never send me a copy of a 1099c as required by law...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: SYNCHRONY FINANCIAL
State: OH
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:
SYNCB appeared on my credit report and I didnt apply for a credit card or airlines credit card in XXXX. I have a XXXX XXXX credit card.

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 2023-08-20
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: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was in jail and XXXX again collecting the money for me I can provide proof of the fact that I have been in jail in XXXX XXXX Florida Pay Pal allowed use of my credit card and then grave him my money from arritration for violation of copyright.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Today on XX/XX/2023 i made a call to XXXX  XXXX about payments being returned, they advised me this was on citizens banks end, called them they stated everything looks fine on their end, call back XXXX  XXXX and received help from a representative for over an hour calling citizens with her to get my issue resolved, we were then informed by the citizens supervisor we were transferred to that due to a {$50.00} claim i put in during the citizens glitch that happened where multiple charges were duplicated, which some were not resolved resulting in me making a few claims with citizens for. Due to having this claim, it was stated that citizens had a stop payment with XXXX  XXXX making all my previous payments all be returned as far back as XX/XX/XXXX from what i can see. My credit score has now gone down, and my credit cards are now over balance due to this glitch with citizens bank and now not being allowed to make my XXXX XXXX credit card payments. I am extremely unhappy with how citizens has handled this issue, as i was advised i have to write a letter to their ACH claims operations to have this fixed. But that doesnt fix the damages that have been done, i now am unable to get a rental car with my credit card after a hit and run accident due to citizens actions in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX/ {$1900.00} XXXX XXXX / XXXX / {$900.00} XXXX XXXXXXXX / XXXX / {$2800.00} XXXX XXXX XXXX / {$1300.00} XXXX XXXX XXXXXXXX / {$3400.00} XXXX XXXX Original creditor : XXXX CXXXX XXXX XXXX XXXX XXXX / XXXX / {$1900.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX / XXXX / {$900.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2019-08-26
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received this letter from US Bank around 15 days ago, that they did not credit me the interest and fee adjustment on my fraud claim and with 7-10 days I will receive a check. its been 15 days, I haven't received any check. I should be getting it as soon as possible as mentioned in the letter.

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 2023-06-27
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:
I sent a letter of dispute to XXXX, Transunion, and XXXX on XX/XX/2023. I explained that the account for XXXX XXXX was reporting incorrectly. The account was charged off and keeps reporting as being updated each month. All 3 bureaus came back stating the reports were updated without providing me with the proof or documentation used to validate the account.

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 2022-02-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon : My name is XXXX XXXX. I have been dealing with a Servicing Company Select Portfolio Servicing XXXX loan # XXXX for my home Mortgage for the last 11 months on Covid assistance in a plan to update my mortgage with a modification, forbearance or repayment plan. I learned after the 3rd month that I only qualified for a repayment plan. I have been sending them documentation for the last 10 months and have yet to be given a repayment plan or any finalized plan to move forward with!!! We have sent them the same documentation over and over just to have them change how the document reads or what is needed on it. we have given them 7 different profit/loss statements from my Company that they denied by changing how they want it to read or dates, ownership, expenses, etc. They have asked for a verification letter at least 6 time and denying it for various reasons that they did not inform us of until they denied it. When we started this process after the first for months, we owed a back balance of {$16000.00}, which would have been hard enough to pay back in a specific time like 4yrs, yet they still have not given us a final plan and if we didn't keep sending new clarifications, they could proceed with foreclosure. We are now in the rears {$46000.00} dollars which would be impossible to pay back in a year. I don't know what to do!!! My address is XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX phone # XXXX and email is XXXX Thank you so much. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: DISCOVER BANK
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX of 2018 I closed my discover account. I followed up with Discover around the end of XXXX to confirm my refund amount. The agent advised me I would receive a check in the amount {$480.00} after XX/XX/2018. I called today to confirm when my check would be sent and was advised my refund would only be for {$17.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 

XXXX XXXX XXXX It is the result of identity theft. 

Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

I made Equifax aware of this dispute and they have not took the appropriate steps to resolve this dispute. I ask them to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. They still have not took any action to resolve this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief