BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit and saw an account for XXXX XXXX  for {$9900.00}. I have no knowledge of this account and it DOES NOT belong to me. I am not an authorized user on any accounts pertaining to XXXX XXXX. I did not co-sign for any loans, credit cards, or anything else. I do not have any products with XXXX XXXX except a checking and savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: MA
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX CT XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2022 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 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for this credit card under a promotion that offered {$200.00} cash back after spending {$500.00} or more within 90 days. I activated the promotion by clicking on a link on their home page which said " click here '' to sign up for this card with this promotion. I reviewed and confirmed I completely fulfilled the legal terms and conditions by spending a little over {$1000.00} within the first month. The issuer closed my card after a month and refuses to pay out per the terms of the agreement. There are no requirements as to how long the card must remain open in the legal terms and conditions so despite the issuer closing the card, they are still obligated to fulfill their end of the agreement. 

I contacted the issuer multiple times and spoke with multiple agents. They gave me all sorts of excuses like A ) " the card has to remain open '', which I quoted the terms on the product page saying nothing about the card needing to remain open. B ) Another agent tried to tell me that I never activated the offer. However, again, I clicked right on the big button right next to the offer which said " click here '' to apply under these terms. 

Also I spoke with the issuer 's customer service agent named XXXX on XX/XX/22, which was within a week of receiving my credit card in the mail, and she confirmed that the offer had been applied and was active on my account, when I called and directly asked her " Is the {$200.00} signup bonus for spending {$500.00} was applied to my account? ". I asked the operator and a supervisor ( XXXX ) to pull the call record and they could confirm that their operator XXXX had told me the promotion was active on my card. but both the agent and the supervisor refused to check the call recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: GOLDMAN SACHS BANK USA
State: WA
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:
Hello, I am seeking help for a very frustrating situation with my credit card company. It is an Apple Card managed by Goldman Sachs. 

My XXXX statement total balance shows as {$810.00} On page two of the statement the total amount of charges, returns and refunds is {$760.00} There was a return in the amount of XXXX posted on XX/XX/21. The difference between the balance shown on page 2 and the statement balance is XXXX. That amount was subtracted on page 2 but never reflected in the statement balance or the amount I am expected to pay. It is also not reflected in my current balance. In other words, while the credit is clearly shown in my statement, it was never actually subtracted from the total balance. 

I spent an hour and 10 minutes on a chat with Goldman Sachs customer satisfaction representative who stated that the amount had already been deducted and there was no discrepancy. Clearly it was not but the representative would never acknowledge that. It took an hour and ten minutes.

The first representative with whom I spoke acknowledged that they could see the discrepancy but the supervisor flatly refused to acknowledge it. Either the supervisor is completely incompetent or there is something very shady going on at Goldman Sachs.

So, I am being charged {$49.00} for what should have been a refund. Everyone who has an Apple Card should be checking their balances very carefully.

How can you help me to resolve this?

Thank you very much for any assistance you can provide. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I recognized an inquiry on my report that I did not initiate with XXXX  XXXX XXXX. The inquiry was made on XX/XX/2022. It is only showing with TransUnion LLC, other bureaus do not have this inquiry at all. I sent a letter to TransUnion in XXXX. They sent a response requesting that I contact XXXX  XXXX XXXX directly to get the issue resolved. After contacting XXXX departments within XXXX, no one there is showing a record of the inquiry or why it is showing. I called over to TransUnion just for them to give me the run around about all of these different documents I need from XXXX, about an inquiry they have no record of. After 3 months of the back and forth, I decided to go another route.

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 2022-09-12
Company: U.S. BANCORP
State: AZ
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:
I submitted a complaint about a sham account being opened by us bank that was closed stating the it was resolved. This has not been resolved. I was hit with a hard inquiry and sent a credit card that I never applied for. US bank was just recently fined for these exact actions. I did not apply for the card nor did I approve a credit inquiry. The inquiry hit my credit report on XXXX and then I received a card which had my check my report on XXXX. I prefer if this was not closed until the matter is resolved. 

THIS IS NOT A DUPLICATE COMPLAINT! THIS IS NOT A THIRD PARTY SUBMITTING ON MY BEHALF!

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 2019-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My home burned andXXXX I recieved a large insurance payment in XXXX and XXXX. My debit card was replaced ( not by me ). This happened several times I reported it to Capital one. I reported my laptop to stolen and my debit card, I have a police report for this computer. I resolved several transactions that were fraud and e bank resolved them in XX/XX/XXXX But as more were noticed the bank has stopped calling me back and has closed my account as of XX/XX/XXXX. I called and tequested the last four digits of all my debit cards to resolve the fraudulent charges directly with the companies but can't even get a call back from the bank. I can't access it to review my statements. The changes are : {$1300.00} with an unknown company, {$2000.00} person to person transfer with XXXX, {$950.00} with XXXX listed as store # XXXX ... .. Many more, please help mediate to resolve Capital One ignoring me. I would like for the bank to simply answer my calls or forward the last four to each debit card and allow access to my statements as some show whether it was an online purchase as opposed to in store.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 2023-08-21
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for the PSLF and received a letter from Fedloan Dept. of Education, on XX/XX/2021, that they received the form and the second page stated my loans " Are being transferred for PSLF eligibility confirmation, " further stating that they " Reviewed my PSLF certification and application form and based on my employment and other information ( we ) determined that ( you ) have eligible loans and ( your ) employment qualifies for PSLF and that ( they ) do not know yet whether I had made the 120 qualifying payments to be eligible for forgiveness ( note I have a copy from my servicer ) of all my payments and have over the required amount ) to be eligible for forgiveness, and that before ( we ) can determine if ( you ) are eligible for forgiveness ( we ) must transfer all ( your ) XXXX XXXX. of XXXX owned loans from ( your ) current servicer to us. '' I have been waiting for those transfers and any information. I never received information form servicers tehy had my loans, and calling Dept, of Ed, XXXX, and XXXX has been a nightmare. I am unable to log onto XXXX becasue XXXX now has my loans, which should have gone to XXXX, and XXXX said I needed to talk with XXXX. XXXX told me they don't have them. I received an email my student loans are coming due ( despite I applied for forbearance while my PSLF was being forgiven. 
I filed a complaint with the Dept. of Education who responded in an email that they " ... were not able to locate ( my ) application on XXXX 's status center '' and that " We recommend that you submit a new application to be sure your information is fully processed ''! further, it would take approximately 30 calendar days then take another 60-90 days from the date ( my ( PSLF form is approved. It was already approved back in XXXX of XXXX! I have the account number assigned to my Dept of Ed Fedloan 's letter dated XX/XX/2021 but I have not been able to reach XXXX ( and now the Dept. of Ed Fedloan 's Loan Discharge and Forgiveness '' department by phone to provide the account number assigned to my PSLF form that they received it and determined through my employer I am eligible, etc. I have a copy of all my on-time, never late payments from my loan holder/servicer with their letterhead on it of all my payments since XXXX  that I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
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 checked my credit and saw an account for XXXX XXXX  for {$9900.00}. I have no knowledge of this account and it DOES NOT belong to me. I am not an authorized user on any accounts pertaining to XXXX XXXX. I did not co-sign for any loans, credit cards, or anything else. I do not have any products with XXXX XXXX  except a checking and savings 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 2023-08-12
Company: Experian Information Solutions Inc.
State: OH
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct erroneous reporting in the file listed on my credit reports. 
XXXX XXXX XXXX Balance Owed : {$15000.00}.

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 2021-10-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Pursuant to Title 15 Chapter XXXX, XXXX XXXX XXXX has committed individual actions against me beginning in 2018. They also involved a 3rd partly, XXXX XXXX, who also violated Title 15 Chapter XXXX. Both companies have committed Criminal and Civil actions of willful non compliance and negligence. Both have infringed on my name that is protected by copyright laws and my right to privacy. I have sent both organizations Notice of Fault letters along with invoices itemizing each violation under Title 15 Chapter XXXX. Both refuse to uphold the law that relates to their individual actions and both have yet to settle this matter. Moreover, XXXX XXXX XXXX has only removed the account in question from 2 credit reporting agencies. They continue to defame my character and cause injury to me and my family.

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 2023-10-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting 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:
On XXXX, I received a XXXX XXXX alert indicating a new Hard Inquiry to my credit profile. I immediately logged into XXXX XXXX and saw a hard inquiry from JP Morgan Chase of which I did not fill out an application for credit. I immediately called the phone number associated to the inquiry and spoke to phone agent in Fraud Application reporting the issue. The agent was apologetic and reported she would close down the application and send me an Identity Packet in the mail. To date, nothing received. Instead, 2 new credit applications submitted to JP Morgan in attempts to open credit and JP Morgan pulling my credit report. If a consumer calls once reporting fraud, why would JP Morgan allow further applications so close to the recent fraud date?! This appears irresponsible as a creditor and commitment to prevent fraud scammers.

Please help me as now 3 Credit Applications are submitted and JP Morgan is not doing anything to prevent this from continuing. I already reached out to XXXX who gave me the run around for over an hour. Why is it so easy for a fraudster to commit fraud and a nightmare for the victim to get help. This is why I am reaching out to you. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: WELLS FARGO & COMPANY
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:
THE FOLLOWING ACCOUNTS AND INQUIRIES WERE NOT INQUIRED BY ME. 
1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft WELLS FARGO Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine.

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: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$600.00}

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 2022-12-13
Company: EQUIFAX, 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:
I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is a digital app on iphone that provides personal lines of credit. I have used them for about 1 year. I had a 100 % payment history until XX/XX/XXXX when their app had technical issues and it disconnected my bank account information from the autopay settings that were established. There was no notification of this disconnection until I tried logging into the app and I couldnt because it was having issues. I tried contacting them and no one responded for weeks. I even tried calling them, but they do not have a live costumer support service. It is all through email on their website. After a couple of weeks I finally received a response and was provided a link to make a one-time payment. I did this on XX/XX/XXXX. I advised them I was worried that the technical issues with the app would cause a payment delay because the auto-pay wasnt working and I asked them not to report any late payment to the credit bureau XXXX I paid them on XXXX XXXX. We'll on XX/XX/XXXX and XX/XX/XXXX of XXXX I logged into XXXX XXXX and found that they did report negative payment history to the credit bureau and it tanked my score by over XXXX points. I have noticed on their XXXX page that multiple people have had issues contacting this company and getting timely responses ; I am not the only one. How is this fair? Their app is the one that had technical issues and destroyed my 100 % payment history. Also, how can the US government think it is fair to allow companies that do not have live customer service operations to be able to report to the XXXX credit bureaus. If you cant talk to someone live in person to help on an issue, and the best you can do is try to get ahold of someone thru email with a very questionable response rate, how is that right? I am trying to find a new apartment right now for me and my XXXX XXXX XXXX XXXX I need good credit to get a good XXXXt. This company just destroyed that!

Company response to consumer: Closed with explanation