BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: GOLDMAN SACHS BANK USA
State: TX
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 is my SECOND COMPLAINT AGAINST APPLE FOR THE WAY THEY DO BUSINESS.

I had a merchant XXXX refund me on a random card, which was the Apple Card.

The original transaction never came from my Apple credit card. The amount was XXXX. 




Apple decided to TAKE - {$1.00} cash back! As if the Original transaction came from this card, And Ive been chatting, on the phone with apple go get this credit balance sent via check, Apple Cash.

They all refuse to help me. I hate this card so much and I will never ever recommend it. What a XXXX nightmare. 

SEND ME MY {$120.00}!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
on XX/XX/XXXX i was on difficult with my payment and was trying get a modification for get a comfortable payment but on XX/XX/XXXX my home was sold on foreclosure but one lawyer review my case and accept help me for bring back my property because he saw a lot of irregularity in the sale then the XXXX XXXX XXXX offers to us a modification and XXXX for dismiss the case ans we accept for recommendation of my lawyer the modification was XX/XX/XXXX and my first payment will be on XX/XX/XXXX but the bank dont send to my the bill for send my pay then i call to the XXXX XXXX XXXX and they said my loan was sold to nationstar mortgage then i call them for request my statement under my name for send my pay they answer they do n't can talk to me because i have a lawyer then i return with my lawyer and explain the situation and he said wait don ; t worry nobody know your door ok then i wait for two month and i ask for my name on the title and he said i ; m working on ok but he was charge to me XXXX for the modification and the litigation then i suspend the total payment until he finish the job the he let me know came back for sing the settlement agreement and release on XX/XX/XXXX after singed he promise my property title will come under my name then I trust on my lawyer and paid in total XXXX dollar for the job but pass the time and the property do n't see my name the property continue under XXXX, then I when at the assessor information and they do n't can give me information because XXXX XXXX XXXX on XXXX ca XXXX is under XXXX not at XXXX XXXX then i when with the lawyer on XXXX county and they said no body can help me for bring to me at the title then SOMEBODY help me for contact to you after talk to the consumer protection the XXXX XXXX XXXX call me and they send to me a REQUEST FOR DISMISSAL on XX/XX/XXXX and I SINGNED BECAUSE Iwas looking for my title on my home after thats the XXXX XXXX XXXX made a request for tranfer ( notice of proposrd escape assessment with date XX/XX/XXXX i have the evidence for all i said for myself and and on XX/XX/XXXX i filed a case no XXXX AND I HAVE THE MINUTE AFTER of judge court i hpe you have idea and also I TRY STOP the sale foreclosure that is for XX/XX/XXXX i hope you can help me for my case

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is not reporting one of my accounts that is paid - XXXX XXXX, XXXX ( XXXX ) is an account that I paid in full. XXXX XXXX confirmed they reported it to Equifax but it is not listed on my credit report. XXXX 's contact information is XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX. The contract was opened in XXXX 2016 for {$1900.00}, and paid off satisfactorily. I contacted Equifax on several occasions to make sure it was reported, and was informed it was not likely due to a credit freeze on my account. I removed it and it is still not reported. I believe I am being discriminated against by Equifax. 

Equifax needs to report my balances correctly for the following accounts : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
It started Wed, XX/XX/2019 when I had my XXXX card pay my Capital One card a XXXX at no interest for one year. It turned out I gave XXXX the wrong card number and called back within 5 minutes and asked to send the money to the right card they said no problem and it would take about 2 weeks for them to receive the money. Needless to say they sent XXXX to each capital one card. I called Capital One and explained what happen and how should I handle the XXXX dollar credit on my second Capital One card? They said it would not be a problem and they can credit back to me where would I like them to send it? I told them to credit back to the Bank account I have on file that I make my payments from. They said that would be no problem and I did not think anything of it, I have an Auto Loan with over XXXX with them and over XXXX in Credit with Capital One. That was over 2 month and 20 hours on the phone with capital one at least 3 time a week. Long story short they removed the XXXX credit off my card but I never received the money back? They had me 3 way my bank and XXXX card several times looking for the money. Both my Bank and XXXX card told Capital One they never received the XXXX about 20 hours on the phone now total with Capital One trying to get my XXXX. Last week the last person I spoke to said he would put in a request and gave me a case number that documented all this and to have my money refunded again. Told me to wait 2 weeks and they would contact me, never heard any back from them so I called back in to see where my money is. They looked up the case number and told me the same thing all over again and that it is too bad they sent the money to my bank or card their not sure and that my Bank or other Card is lying to me and they have my money too bad!!!! They are not refunding it again and they do not have to prove they sent it?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I regularly monitor my credit report. When I noticed a collection account from Stallings Financial on approximately XX/XX/XXXX, on my XXXX credit file. I then proceeded to dispute the findings, then my dispute was completed and was successfully removed from my file. Then I continued to monitor my credit and approximately in XX/XX/XXXX, a collection account appeared on my file under the name Stallings Financial yet again but this time under my XXXX report. I proceeded to dispute the collection account and then the item was not removed and remained on file. I am disputing this because it does not belong to me. What is puzzling is that the collection with Stallings Financial was removed from my XXXX credit report but not from my XXXX  credit report, there is an inconsistency and needs to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Experian Information Solutions Inc.
State: OH
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:
contacted the credit and to notify them of the fraud on my credit report. they werent attempting to help me solve the problem and get the items removed as they should be. The accounts are hurting me and not being able to obtain credit at this time due to the enormous amount of the accounts and they keep saying the claims are frivolous or cant identify me when Ive mailed them my id and social security card multiple times please help me solve this issue please Ive attached my social and my drivers license

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 2023-05-26
Company: EQUIFAX, INC.
State: ID
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 writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
According to XXXX, my personal data was part of the security breach. Therefore, they have not been charging me for my security freeze, approximately {$5.00}. 

But I've needed to pay it with Transunion and XXXX even though I am an identity theft victim with XXXX. The millions of Americans affected by this data breach shouldn't have to go to their local police department to file a report when Transunion and XXXX can easily go to XXXX  's website to enter the customer 's last name and the last six digits of the social security number to verify the person was affected. There is nothing the local police can do about it. 

I am asking that Transunion and XXXX place credit freezes on my credit bureau at no charge and that they refund the fees they have collected since the security breach occured.

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 2022-10-04
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit System is a company I don't know and never signed for its products or services. They have begun reporting on my credit report as missed payments. I do not know this company and I have not signed any contract or asked for any services. I demand this company be taken out of my credit. They must have the wrong person thinking is me. 
I have filed a credit dispute and have heard nothing from them or the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my eleven endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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:
When I investigated my credit report, I realized that some of the information was erroneous. The Equifax credit bureau is required to authenticate this account under 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 acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
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:
Transunion deleted my Bankruptcy on XX/XX/XXXX, but then re-added it to my report. It was deleted and should remain deleted. Also they are reporting XXXX XXXX XXXX which should be deleted in XX/XX/XXXX. 
XXXX payments were not late My balances are incorrect for the following accounts : 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 2023-03-21
Company: SUNCOAST CREDIT UNION
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: Investigation took more than 30 days

Complaint:
I WAS A VICTUM OF IDENITY THEFT SOME ONE OPEN ACCONTS IN MY NAME SUNCOAST CREDIT UNION {$1000.00} I SEND A FTC REPORT IN TO XXXX XXXX AND XXXX ABOUT THISS MATTER TWICW THEY HAVE NOT GOTTEN BACK WITH ME NOR REMOVE FROM MY CRDIT FILE. CHILD SUPPORT {$11000.00} CHILS SUPPORT {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX, XXXX and Experian are obligated by the FCRA to furnish accurate information and accounting. 

In accordance with the Fair Credit Reporting act The Following XXXX  Accounts have violated my rights : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 states that 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. 

XXXX and XXXX credit reporting agencies still have a XXXX XXXX XXXX XXXX  Account # XXXX, a XXXX XXXX Account # XXXX, a XXXX XXXX Account # XXXX, a XXXX XXXX Account # XXXX on my consumer report, but this is to be REMOVED IMMEDIATELY - these accounts are not on my Experian Consumer report THEREFORE, THESE REPORTING AGENCIES ARE FURNISHING INACCURATE INFORMATION. 

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.

ALL INQUIRIES REPORTED WAS FRAUD and according to LAW said companies ( XXXX, XXXX and Experian ) have 4 days to remove all inquiries. 

FTC Fraud report was filed.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
These hard inquiries are fraudulent I didnt authorized them please delete them from my credit report. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX TO THE F.C.R.A. ( FAIR CREDIT REPORTING ACT ), LEGALLY THESE UNVERIFIED & UNAUTHORIZED ITEMS MUST BE 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 non-monetary relief
Consumer complaint received 2016-11-16
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
A man living w mom helped her do modification on mortgage. He provides no loan documents and mom is XXXX XXXX XXXX so when i acted like i had proof of wrong doing he purchased a car and ran, came back then i got some paperwork saying she was paying a " note '' not a mortgage and she has to go by loan docs ( not att ) and interest is almost 5.5 % she saves nothing now 2 weeks behind again. She had to do XXXX trial payment sessions. All info on house is unsearchable and sh is listed XXXX different ways, no mid initial, mid initial C, and mid initial W. please help we have no money for atty

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Experian Information Solutions Inc.
State: MO
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 need these accounts investigated due to my identity/ wallet being stolen months and years ago. The aftermath of this has destroyed my creditability with the credit reporting agencies. Now I'm requesting physical documentation to support the credit reporting agencies decisions in reporting these unauthorized and unknown accounts to me. In accordance to the FCRA laws I'm asking that these accounts be blocked. 

1 ) XXXX XXXX XXXX {$2.00} XXXX 2 ) XXXX XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX 7 ) 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 2019-07-15
Company: Experian Information Solutions Inc.
State: MN
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 inwhich I'm disputing are not mines and deemed to be fraudulent and I'm demanding that they be removed immediately from my credit file. Please block these accounts, 1 ) US Dept of Education {$3500.00} 2 ) US Dept of Education {$5800.00} 3 ) Dept of ED/XXXX  {$4000.00} 4 ) Dept of ED/XXXX {$3500.00}

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 2019-07-15
Company: EQUIFAX, INC.
State: MN
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 inwhich I'm disputing are not mines and deemed to be fraudulent and I'm demanding that they be removed immediately from my credit file. Please block these accounts, 1 ) US Dept of Education {$3500.00} 2 ) US Dept of Education {$5800.00} 3 ) Dept of ED/XXXX {$4000.00} 4 ) Dept of ED/XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: U.S. BANCORP
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have contacted us bank numerous times and they agreed to close my line of credit account and stated that the money was not owed. But now they have reported my debt to the credit agencies and they will not return my calls or emails. I have reached out to them to pay the rest of my credit card accounts but they wont call me back or email me back and I keep getting transferred to someone with a full voicemail box. Now they are charging me interest and late fees When Ive contacted them numerous times to make a payment. I also was told my late fees and interest fees would be waived which they havent been. Very upset by this process, clearly I am not a valued customer

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