BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was in AXXXX due to XXXX XXXX in the Summer of XXXX. XXXX and XXXX to be exact and I have an Apple Card. During my stay in the hospital I had a XXXX dollar balance on my credit card. Apple charged me a service fee for XXXX dollars while I was in the hospital. Because I was in AXXXX there was a payment missed for their service charge. When I woke up and was released I was mortified. I have always paid my bills on time. I called Apple to tell them what happened. They refused to help me and have no damaged my credit so badly I can't qualify for a house at an affordable rate. They will not let me speak to a manager. I wrote to them and submitted all my hospital stays. They still refused to help me. They also verified the late with the bureaus. please help. I'm a XXXX year old man.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: CITIBANK, N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on a weekend and received a confirmation email. This is my first time depositing a check in this account and using mobile deposit. The following business day, Monday, I could not access or see my checking account. Tuesday I received an email stating that my account has been locked. The number I was given to correct the issue was the wrong number. I was put on hold and transferred several times and hung up on. Finally I was transferred to I.T and was told I had to link my debit and credit card account to view, even though I didnt have to do that before and did not want to link accounts. Once my accounts were linked I found out that my money would be released to me in increments even though I had more than triple the amount of the check in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX DOB XXXX/XXXX/XXXX Please be advised that this is my SEVENTH WRITTEN REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! 
The following unauthorized inquires are to be removed from my credit profile 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 My ID via drivers license is 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 explanation
Consumer complaint received 2022-05-26
Company: ARVEST BANK GROUP, INC.
State: NY
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:
Arvest Bank is literally aiding and abetting theft of services, larceny by trick, and other torts/crimes by their account holder in their credit card charge back number XXXX. We have literally supplied signed law firm retainer agreement, itemized billing invoices, emails back and forth, legal work product, and other evidence of the authorized credit card charge by this thieving client who still owes us money under a quantum meruit theory, but this XXXX bank still holds on to a {$300.00} consultation fee now going on 6 months. This is both unreasonable, unethical, as well as illegal. Please legally and equitably punish this bank for tormenting us in this manner.

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 2022-05-26
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:
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 consumer reporting agency can not furnish an account without my written consent and instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-12-28
Company: Experian Information Solutions Inc.
State: WA
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 should not be reporting to XXXX  and Experian a collection/chargeoff in the amount of {$1600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX and informed them that I was being XXXX. This account should have been cancelled and not be reporting an outstanding balance due. Pursuant to the Servicemembers Civil Relief ACT ( S.C.R.A. ) - Benefits offered by the SCRA include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider. 
I was XXXX for several months and upon returning I had moved and no services were provided in my new location. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IA
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:
Miss handling of personal information cause by gross negligence of said company. Their website equifaxsecurity2017.com stated that I am currently under suspicion of having my identity stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax is one of the 3 major credit reporting agencies, and utilizes my information ( without my consent ) that can have a dramatic negative impact on my life. It appears they failed to protect consumer information, and, when they were hacked, executives sold off stock before even notifying the public ( insider trading? ) of what had happened. The notification that they had been hacked and that about 50 % of the adult population 's information was at risk took more than a month, which is more than enough time for identity thieves to wreak their havoc. Furthermore, to even check to see if your information had been compromised, they required agreement to an arbitration clause. Equifax 's actions are disgusting, and clearly they failed in their duty of protecting people 's identifying information. They should be disbanded, executives jailed, and we as a country seriously need to look at how much credence we give not only to our credit reports but the use of archaic SSNs which are easy to steal and thus use to destroy someone 's life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: U.S. BANCORP
State: MA
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:
Hi, and how are you doing? 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-depth investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report the wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance, and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is a lot of inacirate data still on my report, XXXX XXXX had another company come after me and I sued them and we settled out of court. This should not be on my report anymore because of the settlement, XXXX funding was a company that I sued under the FDCPA and settled out of court and this needs to be removed, I signed an agreement stating that I would not show the settlement to anyone. XXXX XXXX XXXX hired XXXX XXXX and they should be removed because of settlement terms, I have never had a XXXX XXXX account, portfolio recovery has never shown me proof that I owe something, never had a reeds jewlers account nor have I been shown any proof, and any other items on my dispute list are not my accounts not have I been shown defenative proof. I am unable to send settlement documents because of a signed agreement but XXXX XXXX XXXX, XXXX, and XXXX XXXX all need to be removed due to settlements. All other disputed items, I have been shown no signed documents. The credit agency is supposed to remove incorrect information and has refused 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 2022-05-26
Company: CITIBANK, N.A.
State: MD
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 balance transfer

Complaint:
On XX/XX/22 I did a balance transfer on my XXXX XXXX for the amount of {$860.00}. I transferred the balance from my Citi card to my XXXX card. The Trace ID for the transaction is XXXX XXXX XXXX XXXX and was completed on XX/XX/22 and then sent electronically to Citi on XX/XX/22. I followed up with Citi multiple times via phone and did not receive an answer. I opened a case with Citi on XX/XX/22 by calling them and on XX/XX/22 I received an e-mail stating the case had been opened and was being worked on, but they did not start working on the case until XX/XX/22, where I received a conditional partial credit to my account. It is now currently XX/XX/22 and it has been over 2 months since I initiated the balance transfer and since Citi did not credit me for the balance transfer, I had to pay the full balance of {$860.00} or else I would have to either incur late fees or interest payments. 
After calling Citi today XX/XX/22, they have not completed any action when I called them requesting an update nor did I receive an answer on when my case would be complete. They said it would

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 2022-05-26
Company: I.C. System, 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:
This isnt me the is fraud on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XX/XX/2016 I sent a letter to XXXX, disputing a alleged account that I do not recognize. The amount was for {$880.00}. Today is now XX/XX/2016 and I have yet to get a response from them disputing my letter. This is in violation of the law for fair reporting. They have taken more than 30 days to furnish proof that the account is 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 explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Experian Information Solutions Inc.
State: MA
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:
Hi, and how are you doing? 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-depth investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report the wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance, and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've repeatedly told XXXX XXXX XXXX, XXXX XXXX, XXXX, and now XXXX, that the delinquent student loan document # XXXX is not mine. I did not fill out the loan documents nor did I sign them. This student loan is for XXXX XXXX. I did not attend XXXX. I 've reported to all XXXX credit bureaus that this is not a valid loan and shown proof of signature verified by an XXXX XXXX here in XXXX XXXX. Someone created this loan in my name and XXXX will not wish to recognize my argument. I 've repeatedly have been denied credit for home refinancing and purchase because of these false derogatories. IT ISNT RIGHT THAT I SHOULD SUFFER BECAUSE OF XXXX 'S CARELESSNESS IN LOAN PROCESSING! Frustrated, I have on retainer XXXX XXXX Attorney XXXX XXXX XXXX number XXXX. Feel free to contact me at XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: Block, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 I deposited XXXX on my account My card went missing XX/XX/XXXX a transaction was made to my account of {$130.00} XX/XX/2022 Saturday were it was dispute so I told em I need new card and I wasnt aware of this transaction then XX/XX/2022 {$240.00} was deducted from my account unknown transactions around XXXX XX/XX/2022 two other deductions was made one was for {$20.00} at XXXX second transaction was for {$50.00} XXXX so that left me with {$46.00} left in my balance so I send the money to keep cash app from taking the rest funds I have left I just want a full report and dispute for these action even know it said payment fail they still took my money and these transactions was made from a system error cause they said payment fail still took the funds and the master debit card it went to XXXX was a card that was not in service just never updated the information but that should not have took my money please do something I wasnt aware of nun these transactions made to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022, I applied for a credit card with Macy 's Department Store. I have previously had a card that was paid in good standing. On XX/XX/XXXX, I received a letter from Macys credit department and my application was declined. I called to get clarity and the lady told me you just did't qualify did I have bad credit. Well I would not have every thought I would be discriminated against. That question should not have been asked to me. I can fathom that Macy 's would train their associated to be so cruel and unprofessional. Based on the Fair Lending Laws and Regulations, I feel because I'm a minority and live around low income communities all of us XXXX XXXX  have bad credit. I was not given an opportunity to explain my Bankruptcy on my credit report which I have established credit since being discharged or an alternate proof I could afford repayments. I was never provided a second chance especially when I had an account years ago and paid it in full and closed it in good standing.

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