BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XXXX of XXXX, I opened an Apple card through Goldman Sachs to purchase apple products and receive O % interest. 
I made payments on XX/XX/XXXX ( {$100.00} ) and XX/XX/XXXX ( {$50.00} ), XX/XX/XXXX ( {$50.00} ). I was charged interest {$5.00} on XXXX. 
I then made payments on XX/XX/XXXX ( {$50.00} ) and XX/XX/XXXX ( {$50.00} ). I was charged interest {$4.00} on XX/XX/XXXX. 
I made a payment on XX/XX/XXXX ( {$50.00} ). 
On XX/XX/XXXX I called Apple to dispute the interest charged. The representative performed a balance adjustment of {$4.00} and {$5.00}. Then she did a balance adjustment of {$640.00}. 
I called Apple ( Goldman Sachs ) the next month and then discovered the representative set up an installment loan which does not show on my credit report. I paid off the remaining credit card balance of {$330.00} on XX/XX/XXXX, and now I have a credit of {$230.00} on the card. The representatives have been telling me that they can not payoff this balance immediately but that the credit of {$230.00} will be used to pay off the installment loan and that the payments will come out monthly. It would take about 4 months to pay off. As of XX/XX/XXXX, no payments have come out from this balance. I have requested to have the entire loan paid off and closed, but they are not allowing me to do that. They have stated they can not close out the loan. I want to be able to close the loan immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I went to purchase a vehicle and I noticed inquiry that are fraudulent on my Consumer Report. I have not applied for credit or entered into any contractual agreements with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  during the time periods indicated by the inquiries. As these inquiries were conducted without proper authorization, I kindly request their immediate removal from my credit report to prevent any negative impact on my creditworthiness.

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 2022-04-25
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:
The credit Bureaus never did a proper " investigation '' according to FCRA.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, ge

neral reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on with whom he is acquainted or who may have knowledge concerning any such items of information. they did not do such thing. Also, they have violated my rights even more in accordance with the fair credit reporting act everything has to be 100 % accurate on the credit report. the credit bureaus stated my account was property investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate an the date last reported is not accurate .this grounds for removal

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 2022-06-30
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-08-22
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 # 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 602 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 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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-04-25
Company: EQUIFAX, 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:
The credit Bureaus never did a proper " investigation '' according to FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on with whom he is acquainted or who may have knowledge concerning any such items of information.

they did not do such thing. 
Also, they have violated my rights even more in accordance with the fair credit reporting act everything has to be 100 % accurate on the credit report. 
the credit bureaus stated my account was property investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate an the date last reported is not accurate .this grounds for removal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: JPMORGAN CHASE & CO.
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Letter sent from the Maine Revenue Services indicating that I was past due on property taxes for XXXX. 
XX/XX/2021 ( approximately ) - I called Chase ( my service provider ) to discuss the situation. The issue was escalated and I was told it would be resolved within 14 days and I would receive notification of the result of the escalation XXXX I called the Maine Revenue Services to confirm that the property tax was paid. It was not. I also learned the tax payment was officially in default. 
XXXX I called Chase again to get a status on the situation. The agent confirmed that nothing had been done in the roughly 6 weeks since my last call. The agent escalated the case and indicated that again it would be 14 days and the issue would be resolved and I would receive notice of the outcome. 
XXXX I called the Maine Revenue Services to make payment for XXXX  plus 2 months of interest totaling {$1100.00} to mitigate any further interest due and damage to my credit. 
XXXX I called Chase to again see what the status of the situation is. Again, nothing has been done to resolve the issue. Again, this was escalated and will be yet another 14 days before I get any indication of what is going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
Company: Paypal Holdings, Inc
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sold a XXXX XXXX to XXXX XXXX, his XXXX, and his XXXX, XXXX XXXX, using XXXX on XX/XX/2022 for {$650.00} in XXXX, OK. On XX/XX/2022, about a month after the transaction had been finalized, the buyer then notified their bank that the purchase was an unauthorized charge. XXXX also has blocked me on XXXX, which most normal buyers don't do unless they are up to no good. XXXX was unable/unwilling to help me and their sole purpose was recouping the amount owed, and sought to have me pay a total of {$660.00} to settle my account. I consider myself a victim of fraud/theft as I have logs from XXXX stating XXXX XXXX, his XXXX, and himself were on board with the purchase, so I reported an XXXX form. I have not heard anything back regarding my filing of the XXXX form. I have also filed a complaint with XXXX XXXX. I have video footage of the meetup with the XXXX who came to pick it up, and pictures of the chat logs. I am on limited income and XXXX due to having a XXXX and a chronic XXXX. I was trying to earn a little extra money to pay for my expensive medicine, I don't have the income to take a {$660.00} hit to my finances and pay for their fraudulent actions. I tried to attach the video but the file exceeds the XXXX limit, if it is required I am more than happy to show that as evidence as well. I have attached the relevant chat logs. 

Reference # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Recently I did and investigation on my credit report which caused me XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct under 14 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that Under 15 U.S Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation and promptly notify the information that the information has been modified or deleted from the file of the consumer. If y are unable to provide me a copy of the verifiable information within 15 days after your investigation you must remove the accounts and the information listed below and they have not gotten back to me or removed the accounts

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 2023-08-15
Company: Experian Information Solutions Inc.
State: MN
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:
My problem stemmed from when I inquired online on XX/XX/2023, from a car dealership -- XXXX  XXXX in XXXX XXXX Minnesota. At first, everything was just about getting an idea of what kind of vehicle I liked and needed, they told me they have the right vehicle for what I can only afford., And then they did a hard credit check and applied to banks/ lenders using my credit score. However, I did not push through with the vehicle purchase. Unfortunately, the XXXX  XXXX in XXXX XXXX Minnesota kept on calling and pressuring me about vehicles they say was a perfect deal, at one point a salesman called while I was sleeping and I just frankly told him I had already bought a vehicle. I purchased the vehicle from a different dealership the same week I inquired from XXXX XXXX in XXXX XXXX Minnesota. 

Next, XXXX  XXXX in XXXX XXXX Minnesota did a ludicrous thing! I started receiving notices in the mail about rejection letters for a car loan. To this day I've been receiving rejection letters from different banks and lenders, the latest was dated XX/XX/2023. So far, I have more than six or seven rejection letters instigated by the XXXX  XXXX in XXXX XXXX Minnesota. 

I am under deep stress and XXXX  over this experience and my credit score plummeted and I want restitution. XXXX  XXXX in XXXX XXXX Minnesota has unlawfully used my name and credit score and consequently tarnished my credibility by purposely applying for vehicle loans in my behalf.

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 2022-09-21
Company: U.S. BANCORP
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/22 I called US Bank about closing the escrow account on my mortgage. Loan is more than 9 years old and loan to home value is less than 25 %. Representative said I can close the escrow account but required that I pay a fee of about {$660.00} to do so. It doesn't sound right that the customer needs to pay a fee to close the 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 2022-12-01
Company: Experian Information Solutions 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:
On XX/XX/22 Section 604 15 U.S. Code 1681 B was violated by the credit reporting agency. It is not late and I didn't consent for them to report this.

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 2022-12-01
Company: EQUIFAX, 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:
On XX/XX/22 Section 604 15 U.S. Code 1681 B was violated by the credit reporting agency. It is not late and I didn't consent for them to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i am a consumer by law my information was misused and now i have false and not one hundred percent accurate accounts on my credit report. i demand deletion of these items plus i demand monetary compensation for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a business account with Chase in XXXX. I have been a chase customer since I was XXXX XXXX XXXX. My company is a web design company. On XX/XX/XXXX, I received a letter on my business account saying " We placed a hold on a recent deposit '' for a deposit of {$300.00} on XX/XX/XXXX stating the amount will be placed on XX/XX/XXXX. Also the same day, I received another letter saying " You can not use your account ( s ) and we will close it soon. '' This was caused " of recent activity on the account, or because you didn't provide information we requested. '' They could not provide me any good reason. The customer service rep told me I should be receiving a check for the amount of {$9600.00} in 10 days. After 2 weeks, I went inside a Chase Branch and women that was helping me called the fraud department and they said they are reviewing the funds and will release it once it has been reviewed. Every month I would call the fraud department to get an update and they would say " it's still under review. '' Just recently, One representative told me some of the funds have been approved and some were sent back due to chargeback. I called again and Another representative told me that all funds were charge backed except for 2 which was a total of {$500.00}. Both of these representatives in the fraud department have been telling two different stories. Chase has never sent me another letter since XX/XX/XXXX. I have not been updated on any of the procedure they were doing unless I called. If chargeback did occur, I have not received one chargeback letter from Chase regarding the amount or which customer. I have not been updated which check are being reviewed. I have fulfilled all these customers orders with my own funds without knowing if I received a chargeback or not. Since then, I have put my business on hold/pause, because I can not run a business like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Lien release

Complaint:
In XXXX my wife and I applied for a mortgage with XXXX XXXX XXXX  XXXX for the sum of {$44000.00}. In XXXX we refinanced our mortgage with XXXX XXXX XXXX  XXXX for {$55000.00} and consolidated mortgage one and two to form a single lien in the amount of {$55000.00}. A year or two later PNC mortgage servicing took over our payments and in XXXX we paid off our mortgage to PNC mortgage servicing but they never cleared our mortgage with the county. This year we put our house on the market and when they did a title search they told us that we still have a lien of {$55000.00} mortgage. We have already reached out to PNC Bank to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 
XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$620.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 

XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$59000.00}. 

XXXX XXXX Flexible spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 

XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
I couldn't apply for any loans because of the negative items list on my report that shouldn't be there.

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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.

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