BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: GOLDMAN SACHS BANK USA
State: GA
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:
For my XXXX Statement ( XXXX XXXX ) with Apple Card ( serviced by Goldman Sachs ), XXXX was charged interest in spite of paying more than the balance. My payments were also on time. Here are the details I see on the Apple Card app and the statement. 

Previous Total Balance : {$3900.00} New Spending : {$3400.00} Interest Charge : {$63.00} Payments and Credits : XXXX I made higher payments than my existing balance and was still charged interest. When I checked my XXXX statement, it confirms that I had paid all my XXXX balance so not sure where this XXXX interest originates from Previous Total Balance : {$2800.00} New Spending : {$3800.00} New Spending : {$0.00} New Spending : $ XXXX I spoke with the Apple card team on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to seek a resolution for this case. The Apple team did not assist with correcting the statement or reversing the interest fee. In addition, this fee also negatively impacted my credit score. 

On further analysis, i found that the Apple card statements are inaccurate as they don't reflect the amount due shown on the Apple XXXX XXXX, and their " Monthly Balance '' and " Total Balance '' amounts are different, which leads to confusion of the amount to be paid to avoid any interest fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
After reviewing my credit report I noticed several inaccurate late payments reporting on my credit profile that was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Experian Information Solutions Inc.
State: NJ
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:
To the Consumer Financial Protection Bureau, Out on the three nationwide credit reporting companies, Experian is reporting  inaccuracies and lowing my credit score. I have an excellent track record with no late payments, every account has a XXXX balance and I recently had credit limit increases with all of my creditors. 

My credit score improved tremendously with XXXX and XXXX   because of my hard work. XXXX did the opposite. They continously lower my credit score dramatically with no justification. I called several times requesting to please fix this issue and to date nothing has been done. This is fraudulent activity. Im asking for your help. 

The three credit bureaus pretty much have the same information reported. Meaning, I only have five accounts listed with each credit bureau all accounts have reported to each credit bureau an excellent payment history and show my debt ratio as low or no risk. Ive worked very hard to achieve these results and Experian has committed fraudulent behavior and does not have the right to lower my credit score because they feel like it. It makes no sense. They absolutely refuse to fix this problem and I dont know where else to turn as this is hurting my fico score tremendously. 

XXXX and XXXX show my credit score as XXXX and XXXX, while Experian is showing significantly lower. This is fraud, unjust, and a violation of my rights. 

Please investigate this matter as soon as possible. 

I am asking for your help in this matter. Thank you in advance.

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 2023-10-30
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My Wester Union XXXX XXXX was hacked. On XX/XX/2023, I received multiple emails regarding payment transfers from Western Union totaling to {$1400.00}. Right away, I called Wester Union and reported it but while i'm on the call, the transfers were still happening. And then it stopped when my bank ran out of money. The claim was filed then they told me to call XXXX XXXX XXXX My Bank ) to dispute it there as well. I did it and they said they will dispute it. And then recently I just received a letter dated XX/XX/2023 saying that they are closing the case and they said they lost it and they will not return my money. I've been calling them both ( Western Union and XXXX XXXX ) but they keep on telling me they can't do anything. I'm losing hope now. Its big money and it affects me and my family a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Specialized Loan Servicing Holdings LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, CO XXXX RE : Loan No.XXXX Said Servicer is unresponsive to multiple requests for a Payoff Statement beginning on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. This refinance has been scheduled and rescheduled multiple times due to their lack of compliance. Please assist.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: NJ
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:
A EX-SIGNIFICANT OTHER USED MY PERSONAL INFORMATION TO CO SIGN A LOAN ON HER BEHALF WITHOUT MY UNDERSTANDING OR CONSENT. I WAS TOLD THAT MY ONLY RESPONSIBILITY WOULD BE PAYING EVERY MONTH USING MY CREDIT CARD WHICH AFTER WE BROKE UP I DISPUTED AND TOLD I WAS NO LONGER PAYING. NEVER DID I AUTHORIZE ANYONE INCLUDING THIS COMPANY TO USE MY PERSONAL CREDIT TO SIGN FOR THIS LOAN. I ONLY AUTHORIZED MY EX XXXX XXXX TO USE MY CARD MONTHLY FOR PAYMENTS ON A MONTH TO MONTH BASIS UNTIL I SAW FIT. ONCE WE WERE NO LONGER A COUPLE I NO LONGER HAD OBLIGATION TO THIS MONTHLY OBLIGATION NOR DID I EVER HAVE KNOWLEDGE OR UNDERSTANDING THAT THIS WOULD BE REPORTED ON MY CREDIT AS I NEVER SIGNED ANYTHING WHATSOEVER, ENTERED ANY ESTABLISHMENT GIVING PERMISSION, ONLY VERBAL WITH MY EX SIGNIFICANT OTHER THAT I WOULD HELP HER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Homespire Mortgage Corp
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020 I submitted an application to refinance my house located in XXXX XXXX XXXX, XXXX, XXXX to XXXX XXXX Homespire Mortgage Personal Loan Consultant | NMLS # XXXX She ask me to send all support documents including tax returns, bank statement, financial statements..etc, which I sent immediately. 
XXXX reach out to me, she inform me that my application is pre approved for interest rate of % 2.25 For 15 year fixed. 
She told me the underwriter will reach to me for a final closing day. 
No one reach to me, I kept reaching to XXXX in weekly basis and she kept telling me that underwriter is backed up and wont give me a closing date. 
In XX/XX/2020 I reach to her again and told her that I need to close before the end of XXXX before the increase of the interest rate for refinance applied in XXXX. 
She assured me that my rate is locked and honored and that increase wont apply on my refinance. 
I Kept reaching out to her in a weekly basis and she kept telling me that the underwriter almost getting to my application. 
On XX/XX/2020 I reach to her to check the status and that what was her response : Im sorry I couldnt answer just now Im on the other line.The underwriter just got back to us late last night but has suspended the loan due to a debt to income issue with the file. 
Also during the application process she tried to push me to sign application with false info and I refused to do so and kept pressuring me to sign that loan application with false info and I told her this is fraud and I wont sign this application until all this info are corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: Experian Information Solutions 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 am a victim of identity theft. XXXX is reporting inaccurately and publishing my NON PUBLIC INFORMATION to non affiliated third parties. please see attached

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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24
Company: Diversified Adjustment Service, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX, Diversified Adjustment Service reported a collection account to the credit bureaus as belonging to me. I disputed the account because it was not listed in my name, and I did not have an account with XXXX. XX/XX/XXXX, I filed an identity theft report and made a complaint with CFPB. The debt was removed. Diversified Adjustment re-aged the debt and reported as a new collection on my report and placed the debt back on my XXXX report in XXXX, XXXX. I sent in proof that the account had been removed because of Identity theft. It was removed. Again the account is not listed in my name. Then the company added it to XXXX, and I sent in evidence to them and they removed it between XXXX and XXXX, XXXX. Now, XX/XX/XXXX it has shown up on XXXX without any notification from the debt collectors. It was also reported and removed from XXXX in XX/XX/XXXX. This company completely ignored the identity theft report I made on this account in XXXX, XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: VA
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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: SYNCHRONY FINANCIAL
State: GA
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:
Soon after I started building credit I got a hard inquiry from SYNCB ( XXXX XXXX XXXX ). It occurred on XX/XX/2019. It shows on both my XXXX and XXXX. I dont remember signing up for anything or requesting anything to cause this hard inquiry.

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: 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: Their investigation did not fix an error on your report

Complaint:
Both XXXX  and XXXX  lowered my credit scores by almost 100 points because I paid off my home mortgage in full in 2 lump sums. I have Congratulations letter from XXXX XXXX  congratulating me for paying off my mortgage. I don't understand why both XXXX  and XXXX  list my XXXX XXXX   mortgage account as derogatory and lowered my credit score by almost 100 points. I am currently trying to purchase a new truck and was notified that although I had been pre-approved prior that due to my latest credit score I was no longer qualified!! I am appalled that my credit score was lowered from XXXX to XXXX!!! 
Please help me.

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 2022-11-29
Company: Experian Information Solutions 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:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2022-11-11
Company: EQUIFAX, 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}, XXXX/XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$590.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid 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:
My XXXX statement for my Chase BA Visa credit card indicated that I had earned a total of XXXX XXXX reward points but only XXXX were transferred to my airline. Leaving XXXX missing points. I called Chase to look into the error after the missing points had not appeared on my XXXX statement. I was told that the issue was understood by the call representative and that I should have the missing points by next billing cycle. This did not happen. I called again on XX/XX/22 to follow up and was told there was no record of my previous call and that I would the issue would be escalated. On XX/XX/22 I received a letter in the mail from Chase dated XX/XX/22 acknowledging the issue I had raised and asking me to contact Chase Cardmember services to give further information. I called the number given on the letter and spent well over an hour being transferred to various agents, sometimes getting disconnected and needing to call again. Agents were unable to find the letter in the system or tell me what information they needed. I asked to speak with a supervisor who was able to find the correspondence, but then when I asked what information was needed as per the letter, she said she could no longer hear me and the line went dead. This issue remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX  : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX. XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX-XXXX  : XXXX Transunion : XXXX ) XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX   XXXX : ( XXXX Transunion : XXXX ) XXXX XXXX XXXX : XXXX XXXX : Transunion. XXXX ( XXXX  : XXXX XXXX   : XXXX Transunion : XXXX ) XXXX/XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX CC ( XXXX  : XXXX XXXX : XXXX Transunlon. XXXX XXXX XXXX/XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : 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 2018-08-29
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Rash and Curtis had multiple accounts totalling {$2800.00} for my daughters XXXX XXXX. I had to work with insurance for several months to get this resolved but the totals were paid and yet this company has agreed to remove this from their records and remove from credit report, however, I applied for a mortgage and this has caused my score to drop XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 2023-07-20
Company: Law offices of Steven Cohen LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The company XXXX XXXX has Close the account XX/XX/2017 now the Law office of Steven Cohen, LLC is trying to collect {$1900.00} from me I didn't sign An agreement with this attorney. My account is closed

Company response to consumer: Closed with explanation