BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account student loan XXXX XXXX, US Dept of EDXXXX XXXX XXXX US Dept of EDXXXX 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 604 A SECTION 2, Also states a consumer reporting agency such as XXXX, XXXX AND TRANSUNION can Not Furnish a account without my written signature or instructions to do so.

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 2023-11-17
Company: GOLDMAN SACHS BANK USA
State: WA
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:
Apple Card is NOT investigating the disputed transaction on my card dated XX/XX/2023 for the amount {$980.00}, This transaction has been resolved with XXXX merchant and they have already cancelled this on my XXXX account, i have shared the proof on the same also sent the document to Apple, i have raised XXXX disputs on this amount so XXXX Apple did provisional adjustments to the disputed amount but they are not resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
Purchased a XXXX XXXX XXXX XXXX at XXXX miles in XX/XX/XXXX at {$19000.00}. We tried returning the car less then 7 days later due to not a car for us as a family. We were told we had to make payments on the car first and try to trade it in after. We drove the car less then 800 miles and the clutch failed. The dealer wanted to charge {$4000.00} to have the clutch fixed. Came back to trade it in and was told we need to make more payments before they will trade it in. The dealer should of have replaced the clutch before we bought the car since it was past the 100,000 miles marker. We have had our credit run again by the dealer when we didn't have an reason to wince there was nothing happening.

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 2023-04-29
Company: EQUIFAX, 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:
In accordance with Fair Credit Reporting Act .The list of accounts listed below violated Federal Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX five different account same company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capital One has ignored all request to clear out a fraudulent debt in my name. I had to wait 17 months while the XXXX finalize their police investigation to resolve fraud and identity theft that happened in my name over various credit card accounts. Capital One needs to honor their Zero fraud liability policy that they haven't enforced under my name. 

POLICE REPORT NUMBERS XXXX XXXX XXXX Detective XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have recently applied and was approved for a personal loan with Marcus by Goldman Sachs. I was lured to their website via a marketing affiliate that they have. My goal was to use the funds approved to pay off another lender with whom I currently have a personal loan with. I went thorough a two step process of first getting prequalified and formal application for approval. In both of the steps, I was NOT disclosed or fully made aware that I can only use the funds to payoff a limited number of lenders or banks they they work with. I only came to knowledge of this information after receiving approval and when I attempted to set up the lender so that they can pay them directly, which is a requirement. I contacted their customer service and they advised that the only option I had was to pay off other lenders that are on their approved list or withdraw my application. I was not even offered the option to lower the amount of the loan since I had other debt obligations that I could use the funds to payoff or direct deposit to my bank so that I can use the funds to pay the other lender. I believe this " bait and switch '' practice is truly unfair and in violation of fair lending requirements. Please take my complaint seriously and investigate this further so that they can stop to deceive more borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$890.00}.

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 non-monetary relief
Consumer complaint received 2018-03-13
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
just giving you more lies ocwen gives me not that it matters to the cfpb or ocwen ... but ... once i figure out how to get all these phony docs and lies ocwen has sent to me ... i have so many ... im sending copies to the ...

EOP U.S. attorney General U.S. attorney members of the U.S. Senate and house of representatives..

house judiciary committee house oversight committee FBI XXXX XXXX  judge XXXX XXXX  and whom ever else I find this letter clearly states ocwen received my loan from gmac in XX/XX/XXXX ... when they went banrupt ... in which gmac only stamped my mortgage assignment in XX/XX/XXXX ... ( out of business ) .. gmac never sent me a transfer notice from home eq ... .or anyone else for that matter ... and here is home eqs paper clearly stating ocwen got my loan from them in XX/XX/XXXX ... but ... i DO NOT believe ocwen was licensed to have my loan ... .in my PSA ... until XX/XX/XXXX!!!

when the paperwork was done for out mortgage in XX/XX/XXXX... is was never notarized in front of us ... thats a whole different complaint ... but I'll get t gat together

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS : XXXX XXXX & XXXX Potentially negative Date opened XX/XX/XXXXXXXX  XXXX  XXXX XXXX Under dispute Date opened XX/XX/XXXXXXXX  XXXX Potentially negative Date opened XX/XX/XXXXXXXX  Balance {$960.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXXXXXX  Balance {$800.00} DEPT OF ED/XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2700.00} XXXX XXXX Potentially negative Date opened XX/XX/XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX XXXX  Date opened XX/XX/XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
REMOVE THESE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Resident type Apartment complex XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Resident type Apartment complex XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, MD XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX Resident type Multifamily XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX THESE ADDRESSES ARE NON-MAILABLE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Executive office, Chase Bank mail code XXXX XXXX XXXX XXXX XXXX, OH XXXX   Re : Additional information to poof the funds deposited in Chase Account.

Reference is made to your letter dated XX/XX/2018 which you requested me to provide with you more information, before you can research my request.In additional to the bank statements, national identity card i sent to you on XX/XX/2018 i have now included the proof of funds deposited into Chase Bank which stripe deposited in my account for your verification and your urgent action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Colony Brands, Inc.
State: NC
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:
Upon checking my credit report in early XXXX of this year, it came to my attention that Monroe & Main listed a very old account as past due. I had no knowledge that this account was still open let alone used for any purchases. It was only {$150.00}, so I decided to pay the balance and asked Monroe & Main to close the account indefinitely and to remove this account from my credit reports so in exchange for the full amount due. They did accept the payment ( XXXX  ), but refused to honor my request to close the account and remove it from my credit reports. 

In accordance with the Fair Credit Reporting act Monroe & Main 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: CITIBANK, N.A.
State: CA
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:
I closed the credit card account on XX/XX/XXXX. 
I had a credit of {$1000.00} and I requested a direct deposit. 
I received the direct deposit into my checking account. 
From my point of view the case closed. 

Not for Citi : Citi had sent out a check over the same amount and charged {$1000.00} to my account. Citi paid out the credit twice? Why? I did not ask for that. 

I never received the check and I did not cash the check. 

On XX/XX/XXXX I called Citi and talked to a manager. 
She realized the mistake Citi had made and promised to cancel the check and reverse all charges. 

As of XX/XX/XXXX nothing has happened. 
I received a debt collection phone call on XX/XX/XXXX. 

It is important to me that nothing has been reported to the credit rating agencies. 
I don't know how I can verify that.

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 2020-10-29
Company: OLIPHANT FINANCIAL, LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from the law firm of XXXX and XXXX XXXX. in XXXX, Missouri, saying that I owed money to Oliphant Financial LLC in the amount of {$10000.00} plus interest of {$900.00} I tried calling the number in the letter, but when answered, was told that company was not taking calls

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I got a title loan in 2020 for XXXX dollars. I paid that off more than once. But they stuck me with almost XXXX in interest. Which caused me to lose my car. But the loan was payed off and then some. But they kept hiking me up on the interest. I feel like I deserve to get some of the XXXX $ back that I paid for on a XXXX $ loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 went to apply for some furniture for my new son and I was denied. I then went to another furniture store that offered secondary leasing and was denied again. My mom advised me to pull my credit and come to see there are items are there that are not mine. Please remove these items from my credit. 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 explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: NJ
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:
I am a natural person ; I am a living human being.

I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and i DID NOT give Equifax written permission to furnish these accounts. 

ACCOUNTS Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : DEPT OF EDXXXX XXXX Account number : XXXX Account name : US DEPT OF EDXXXX XXXX Account number : XXXX Account name : unknown Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Bread Financial Holdings, 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:
COMENITY BANK CONTINUES TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WHICH IS CREATING HAVOC! MY ACCOUNT SCORE HAS ONLY CONTINUED TO DROP SINCE THIS BANK TOOK OVER SEVERAL CREDIT CARDS AND REPORTED THEM ALL INACCURATLY. THE LATEST REPORT ON XXXX REPORTED MY XXXX ACCOUNT AS CLOSED AND WITH BALANCE. THIS ACCOUNT IS OPEN CURRENT AND WITH A XXXX DOLLAR BALANCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called the irs and my money was returned

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 2023-06-11
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First, I've spoken with this company in a timely manner and asked them to send me I asked him to provide any type of proof that this is my debt, and I also asked him to remove any debt is company placed on my credit reports, he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Experian Information Solutions Inc.
State: TX
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:
Since XXXX from XX/XX/XXXX-XX/XX/XXXX I have continuously disputed the debt with University XXXX XXXX with all 3 bureaus I also contacted University XXXX XXXX I was on financial aid I have continually asked for documentation of the debt they can not provide anything proving this is my debt I have not received any documentation from the bureaus how the debt was verified who and how their investigation could possibly come back as verified please assist me with assistance with getting this debt removed.

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 2023-06-12
Company: CITIBANK, N.A.
State: IL
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:
This was an issue with XXXX and the way they handle their presale release. I disputed the charge due to sudden change of price on presale event that only allows 5 minuets approximately to select tickets as others are also making rapidly selecting to event.

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 2019-06-30
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/XXXX, I received a copy of my credit report # XXXX for XX/XX/XXXX and there are over 70 inquiries on my credit report run by Experian and its subsidiaries beginning early XXXX thru today severely negatively impacting my credit score. 

None of these inquiries were authorized by me : 8+ inquiries XX/XX/XXXX, 15+ in XX/XX/XXXX, 8+ in XX/XX/XXXX, 3+ in XX/XX/XXXX, 3+ in XX/XX/XXXX, 6+ in XX/XX/XXXX, 7+ in XX/XX/XXXX and more. 

All of these inquiries need to be removed immediately. 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 2021-07-24
Company: CHARLES SCHWAB CORPORATION, THE
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I checked my Schwab Bank account and found a not saying 'CLIENT REQUEST NETCSH '' and my entire balance ( {$47000.00} ) had been deducted from my portfolio on XX/XX/XXXX. I messaged the online service and was told that my account was closed and a check was sent to my address on file. 

I called the bank 's 24/7 hour hotline and was told they had no information but I could call during business hours ( in 2 days ) to speak with the department. I received no email, message or response about such a large and sudden change to my account. I will call when the department opens, but at a minimum this is extremely frustrating that the bank could let something like that happen without any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have tried fixing this with Transunion a few times and it doesn't seem to be fixed. I am a victim of Identity theft. I have not ever signed up for any Subscriptions to any clubs. I do not authorize XXXX XXXX to view my credit reports in anyway nor XXXX XXXX. They appear on my report under promotional inquiries and Club subscriptions, along with XXXX data on behalf of XXXX  and XXXX on behalf of rise. Please do not allow these companies to review my reports soft inquiries or not. I do not authorize XXXX nor XXXX XXXX to review my credit reports either these appear as soft inquiries. Additionally you allowed a Hard inquiry from XXXX XXXX `` XXXX '' to appear on my credit report. I did not authorize this please delete this hard inquiry. Thank you for taking the time to work and resolve the fraud that has occurred.

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