BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: GOLDMAN SACHS BANK USA
State: CT
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:
I initiated a dispute on or about XX/XX/2023 after having been overcharged by a merchant for a transaction taking place XX/XX/2023. 

Goldman Sachs closed the dispute in the merchants favor and stated that I could be mailed evidence on behalf of the Merchant which had been shared with Goldman Sachs. 

I reopened the dispute and waited to receive the merchant 's evidence ( mailed by Goldman Sachs ). I received the merchant 's evidence which effectively proved my case, as the Merchant 's evidence showed a very different subtotal than the subtotal which was presented to me, the customer ( I had shared an image of the original receipt with Goldman Sachs at the start of the dispute process ). 

Despite clear evidence that the merchant improperly inflated the subtotal of the transaction during its final processing, Goldman Sachs closed the dispute once again in the merchant 's favor. I have since reopened the dispute for a third time ( on XX/XX/2023 ), after having notified Goldman Sachs that I would file both FTC and CFPB complaints due to their failure to correctly uphold the dispute in my favor after having been shown conclusive evidence of the merchant 's treachery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX has again illegally and unlawfully and maliciously reported an inaccuracy on my credit file with XXXX. You can see from the attached report screenshot that XXXX is Maliciously reporting a payment THAT WAS NEVER PAID in XX/XX/2022, This is a Closed account and payments are not being made to this 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 explanation
Consumer complaint received 2023-01-04
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
To whom it may concern XXXX XXXX XXXX XXXX previously known as XXXX has been increasing my interest rate periodically since 2010. I attended the XXXX XXXX  XXXX XXXX in 2010, as most XXXX Schools are scammers they force you into private loans and then do not prepare you for the boards I was XXXX of those future doctors. I ended up transferring completing my MD and doing my residency. As a frontline and a Neurology resident at the University XXXX XXXX, student loans are the pain of my existence. I started with XXXX which is now 12 years later XXXX, which is understandable. Today, I received a letter from XXXX XXXX XXXX XXXX that all XXXX of my loans increased by XXXX XXXX interest making them now XXXX XXXX and XXXX XXXX which is absurd. The original agreement did not depict such a large increase. During this day and age, I could not believe the increase I have now been on the phone with them for XXXX hours and XXXX minutes unable to get a response as to why this happened. I would appreciate your help in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: First Advantage LNS Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is a fraudulent attempt to collect money NOT owed. I was never deliquent on rent nor did I stay after move out day. There were also NO damages to the property and the complex refused to accurately investigate and claimed the staff changed and they did not have documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
I observed an unknown and unauthorize transaction on my Capital One card ending for {$60.00}. The transaction took place at on XXXX at XXXX at " XXXX XXXX XXXX '' located at XXXX XXXX XXXX XXXX XXXX Fl XXXX. As soon as I became aware of the issue, I contracted Captial One. I also stopped by the store where the purchase was made and talked to the store owner. I discovered the store was not even open for customers during the time the charge was made, and the store owner had no receipts for the charge in question and I was able to view the store surveillance video for XX/XX/22 and XX/XX/22 and there was no transaction made by me and no receipts found for a {$60.00} transaction. The store owner even looked at the video surveillance and reported it directly to Captial One with my approval, the conversation was recorded by a Captial One Rep and they still would not provide me with a permanent credit for the charge that is in dispute. I also obtained a police report of the incident because I did make or authorize this transaction. I'm requesting a full credit of {$60.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I contacted CCM and spoke with XXXX at XXXX in regards to an account that had been placed in their office by XXXX. At the time, XXXX XXXX told me that they ( CCM ) had sent correspondence to me at a XXXX address and a XXXX XXXX XXXX I have not had either addresses ) and the notices went unanswered. I informed her that I had never resided at the address she mentioned, thus making me unaware of the attempt to resolve the debt in question. When I asked about the dates of service, XXXX XXXX told me that I would have to speak with the attorney on the case who was based in XXXX  XXXX. She provided me with the attorney 's name XXXX XXXX XXXX and stated he would be able to answer any questions I had. However, my attempt to speak with XXXX XXXX has been extremely unsuccessful. I was able to log onto XXXX  XXXX and found the petition filed in XXXX XXXX ( not the county I live in ), but the petition filed lacked any exhibits or other information to identify the debt or validate that it belong to me. Again on XX/XX/2023 at XXXX XXXX  I again attempted to reach out to CCM and spoke with XXXX XXXX who again informed me that several notices were mailed to me at the XXXX address and XXXX XXXX XXXX I again informed XXXX that the biggest problem is that they were attempting to contact me at addresses where I had never resided. I informed her that I wanted and was willing to resolve this matter if they could verify and validate the debt as belonging to me and provide me with the dates of service and amount ( XXXX ) due. XXXX refused acknowledge my statement and admit that notices went unanswered because of incorrect contact information. She also refused to tell me where the " bad '' contact information for me originated from. After putting me on hold for about XXXX to XXXX minutes, XXXX XXXX ( he informed me he was a supervisor ) entered the call and informed me that I would need to speak to XXXX XXXX and there was nothing additional he or his company would do to assist me. In short, do not call us any more as there is nothing we will do for you. I do not feel this response was appropriate of fair seeing that the attempts to contact me fell through solely on the part of CCM. Currently, the attorney on this case ( not sure if his office is in XXXX or XXXX   ) has completely refused to provide me with documentation of the verification of the debt. There are not exhibits attached to the petition he filed in court ; he submitted nothing other than his filing sheet and petition. He has since filed with the XXXX  courts a change of venue since I reside in the city of XXXX, yet nothing other than the petition is available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 blocking the erroneous information which is being posted to my 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$540.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2021-03-09
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My Synchrony credit account was given to a Legal - collections company called XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX. I have tried for over 3 months to get in contact with this company to pay the debt. There is seldom anyone who answers the phone and when I do get someone i can never reach them again. In the meantime, while I did agree to a settlement and payment date to avoid a court judgement, I never received the documentation and settlement agreement and was never given the option to pay. I have called and left messages and never received the call back. 
Basically I can pay or settle the debt and have gotten threatened with Legal actions in the interim. 
The phone number I have XXXX ext XXXX XXXX XXXX - Account representative. 
If someone could please help me in addressing these issues and avoiding any more threats of legal actions or collections. I want to pay my bill and clear this- however they are not providing the resources to do so. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : SCHOOLSFIRST XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, SCHOOLSFIRST FCU XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, SCHOOLSFIRST XXXX Date Opened : XX/XX/XXXX Balance : {$530.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Experian Information Solutions Inc.
State: DE
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 accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2019-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2017-06-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, I had a credit card that had a 0 % interest until XX/XX/XXXX ; on XX/XX/XXXX I paid it off in full. Or so I thought. I miscalculated and was short {$27.00}. Upon which, the company charge me the full interest of the total amount outstanding, which is over {$800.00}. That can hardly be right?

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 monetary relief
Consumer complaint received 2023-04-25
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:
Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

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 2022-08-25
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: Was not notified of investigation status or results

Complaint:
I have sent a request to XXXX, XXXX, and I can not submit a dispute with Transunion ( due to always having error of submission for the past week ), a request under section 609 ( c ) of the fair credit reporting act to send me XXXX a copy of the original contract that I have signed from the creditors. I have not been able to complete any dispute with Transunion, they always seem to have problems with completing any type of dispute. XXXX is only doing what they like to do, which is submitting a request to verify if the account is accurate and coming back with the same message. I did not ask any of these credit agencies to verify with the so-called creditors, I AM ASKING THE CREDIT REPORTING AGENCIES XXXX TRANSUNION AND XXXX TO SEND ME THE ORIGINAL CONTRACT THAT I SIGNED WITH THE CREDITOR THAT YOU AS A COMPANY REQUIRED TO HAVE IN YOUR DATABASE ACCORDING TO FCRA SECTION 609 ( c ). IF YOU ARE CLAIMING THAT THESE ACCOUNTS ARE VERIFIED AND ACCURATE, BY LAW YOU ARE REQUIRED TO POSSES A COPY OF THAT CONTRACT. 
I AM REQUESTING FOR THE CREDIT REPORTING AGENCIES TO SEND ME THE ORINIGAL CONTRACT UNDER FCRA SECTION 609 ( c ) from your database system.

I am requesting for proof THAT YOU ACTUALLY VERIFEID EACH ACCOUNT according to FCRA SECTION 609 ( A ) ( 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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 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
Consumer complaint received 2022-09-10
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days 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 XXXX data breach and may have got into the 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 2022-12-13
Company: Nelnet, Inc.
State: MD
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:
My student loans were discharged in XXXX of 2022 after I applied for the XXXX student loan discharge program. It was XXXX through NelNet but they are telling me that they are not the ones to report that information to the credit bureaus. I then reached out to the credit bureaus to ask about who has been reporting my student loan status for the past 7 months since it has been XXXX and they told me that the holders on the student loan accounts are XXXX XXXX XXXX and that only they can make changes. I also reached out to XXXX XXXX XXXX  and they told me Nelnet should be reporting since they were the ones to discharge the student loan. I then disputed my student loan with the credit bureaus for showing inaccurate information and status and the report came back as ; correct posting that the information on my report that reflects it still having a balance is accurate. Both nelnet and XXXX XXXX XXXX  have confirmed that my student loan is paid in full and that my balance should be {$0.00}, closed paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: NY
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 dont understand why I see these accounts on my credit report. I have no idea where is came from. Im shocked! What should I do with them? Why you put this information on my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federaly protected consumer rights to privacy confidentiality Under 15 USC 1681. 

ACCOUNT NAME # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX # XXXX HAS Violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates The report by more than seven years.

15 U.S.C 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-24
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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