BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: GOLDMAN SACHS BANK USA
State: NJ
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:
XXXX made a purchase on XX/XX/XXXX online order # XXXX from XXXX using my card from XXXX - XXXX sacks- XXXX I received a confirmation order date XX/XX/XXXX XXXX received a second email after few day showing that product was delivered on XX/XX/XXXX ( 2 days after I ordered ) and a XXXX tracking XXXX XXXX because I didnt receive the product I have to check XXXX website and add this tracking numb which per tracking history showed Label Created XX/XX/XXXX XXXX AM - XXXX first I made the purchase in XX/XX/XXXX how come the created the label two days prior! How did they know that I wanted to order? Second the picture attached in the tracking on XXXX and proof of delivery didnt match our townhomes exterior which u can goodbye and it s obvious not the same as the picture third I called XXXX to check if my address was the final destination of this tracking and they confirmed that my address is not on this delivery - XXXX I emailed the merchant in XXXX to request a proper tracking cause the one provided is not right and because Goldman sacks has rejected all the proof I provided and said merchant provided tracking they ignored all proof of scam - so merchant response : XXXX, XXXX you for contacting us back. 
We would like to inform you that we've not received the tracking list yet from the courier company that is why we've not provided it to you. As we've shipped the bunch of orders this time that is why it is taking some time to prepare a tracking list by the courier company. 
Please do not worry, your order is on its way to you. 
Thank you so much for your patience and understanding. 

And I re opened the claim again and gave Goldman sack all evidence of scam- they again after few weeks responded : Your Apple Card transaction dispute investigation is complete and the merchant charge ( s ) will remain on your account.

Goldman Sachs Bank USA has re-investigated your transaction dispute and found that no billing error occurred for the following reason : We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim Dispute case number : XXXX Transaction date : XXXX XXXX, XXXX Merchant name : SP My Disputed amount : {$59.00} Amount to be rebilled : {$59.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My credit score has been negatively impacted as a result of this company, ARS Account Resolution Services, reporting debt owed to all three major credit reporting companies ( XXXX, XXXX, and XXXX ). 

To start off, I never formally received any letter from this company requesting this debt or showing any proof that this debt is valid. I was constantly receiving phone calls from this debt collector requesting me to pay off this debt. When I checked my credit report I realized that my credit score was drastically impacted by the collections reported. 

On XX/XX/2022, I sent a Debt Validation Letter to this company requesting them to provide proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. I was sure to include in the letter that for the purposes of 15 USC 1692 et seq., this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of their claims. This notice is an attempt to correct their records, and any information received from them will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. I advised them that I would be waiting for a response within 30 days from the date that they received the letter. The letter contained my first and last name along with my account number found on my credit report and my address. 

Per USPS Tracking, I found that they received the letter on XX/XX/2022, at XXXXXXXX XXXX. On XX/XX/XXXX, I received a letter from ARS Account Resolution Services stating that they received my letter but were unable to locate my account with the information that I provided. They requested that I send them additional information that may be helpful as well as a copy of the credit report showing the account in question. On XX/XX/2022, I sent them a 2nd Attempt Debt Validation Letter with all of the information that they requested from me. Per, USPS Tracking I show that they received this letter on XX/XX/2022, at XXXX XXXX. As of now, on XX/XX/2022, I check my credit report showing that they have not removed the collections on my credit report. I also have not received any validation of this debt whatsoever. As a matter of fact, they aren't even able to locate me in their system at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, Thank you for the improvements! But I still have a damaged score because of the items that do not belong to me. I have never had anything with these companies and received bunch of inquires and collection. Tried to solve it by myself but I failed. Nobody wants to help me from those companies. Please remove these items from my report. 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 non-monetary relief
Consumer complaint received 2022-12-01
Company: CITIBANK, N.A.
State: MO
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: Card was charged for something you did not purchase with the card

Complaint:
Citi is refusing to remove fraudulent charges from my credit card account. While I was vacationing at XXXX XXXX in XXXX XXXX, XXXX, a resort staff member stole my credit cards from my purse that was left unattended in my hotel room. {$2500.00} in fraudulent charges was made on multiple cards to " XXXX XXXX XXXX XXXX. '' The charges occurred on XX/XX/XXXX. I was alerted to the theft via text message by XXXX, which prompted me to check all my accounts where I discovered the same fraudulent charges on the Citi card. I immediately alerted Citi to the fraudulent charges using my account website when I returned to my room on the evening of XX/XX/XXXX. 

I reported the theft to the resort staff who issued a {$390.00} massage credit to apologize for a member of their staff stealing my credit card information as well as completed a police report. Another member of the group I was traveling with whose room was next door to my room also had the same fraudulent charges appear on 6 credit cards. 

XXXX immediately removed the fraudulent charges. Citi has ruled that I am responsible for the stolen charges after multiple phone calls and emails over the past 60 days. 

I've provided proof that I did not make these charges that I provided to Citi by email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have photos showing that I was at dinner at the resort in XXXX XXXX when the charges were made in a XXXX. I have forwarded emails from XXXX  where the resort confirms that my credit card was stolen. I also have a receipt from XXXX  where it shows I received a credit on my massage bill as an apology for the stolen credit card theft. 

I've chatted with Citi via XXXX message on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX when they promised to call me to resolve the fraudulent charges, but never called or resolved the fraud. 

I've had phone conversations with Citi the week of XX/XX/XXXX when they confirmed the charges would be removed, but they weren't. Instead the company ruled me liable for the charges a week later. 

I've spoken with Citi at least once a week since XX/XX/XXXX. Upon each conversation the reps have given me the run around, hung up on me, and asked me to investigate the fraud myself. In our phone conversation on XX/XX/XXXX, a Citi supervisor asked me to lie and say I didn't receive the merchandise instead of claiming fraud so they could process the transaction as a disputed transaction instead of stolen credit card charges. I refused to do that as I didn't make these charges.

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 monetary relief
Consumer complaint received 2023-08-18
Company: CITIBANK, N.A.
State: NC
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-03-11
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is ridiculous that i have to open yet another case against American Education Services ( AES ) since they said FFEL loans are not covered by forbearance. I am actively trying to locate others who are experiencing the same issues bc this now seems predatory. Every federal loan program that is eligible for Biden relief is on forbearance except anything from AES. They scheme to find any way to charge and report negative credit info based on reinterpretation of details. They are using the letter against the spirit of the forbearance. I have a whole child to put in college by myself and cant pay my own debt. Yet my other student loan company clearly understands the assignment as they have me on forbearance with the same loan type. This is the 2nd time they have done this and got away with is based off XXXX about the type of FEDERAL loan i have AND using my personal forbearance as opposed to using the federal mandate. They are flagrantly flaunting government defiance by publicly denying adherence. PLEASE for the love of XXXX stop their predatory practices not to mention the {$16000.00} additional fees they have continued to add since interest accrual HAS NEVER STOPPED!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Trans union is reporting a score thats XXXX points lower than the other credit unions. This just happened while I was trying to get a loan. It cause my rates to go up. I want solid reasons why someone changed my score for absolutely no reason.

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 2023-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper XXXX  step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a ach transfer from my XXXX  XXXX XXXX account to Truist bank on XX/XX/XXXX for {$470000.00} to there account XXXX routing XXXX as instructed by Truist to pay off my mortgage account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Md XXXX to now the mortgage has not been paid I received a past due notice for the XX/XX/XXXX payment but since I had paid the loan off I didn t make the payment but had second thoughts because I didn t want it to effect my credit score of XXXX so on XX/XX/XXXX I paid {$2800.00} but now my credit score went to XXXX now I am worried because they want my XX/XX/XXXX payment I tried to talk to Truist called on XX/XX/XXXX was on the phone for XXXX XXXX hours transferred many times and hung up on 2 times I tried again yesterday after XXXX min on the phone was hung up on again// XXXX XXXXXXXX XXXX gave me the Fax number they used and I sent a Fax telling the situation and ask that they call me nothing happened

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquires From Transunion... .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 has voilated 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 can not furnish a account without my written instructions.

I DEMAND THAT ALL ITEMS BE REMOVED EFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.

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 2024-01-05
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Someone is using my information trying to get an auto loan in my name. At serveral different places.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
So I sent a letter off on XX/XX/2023 to remover my personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to any third party entity.

These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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