BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-17
Company: GOLDMAN SACHS BANK USA
State: GA
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:
XXXX by XXXX XXXX rental. The payment XXXX XXXX stated they would pay for my rental car. While my car was in the shop. I sent Apple Pay my. Statement. That was reliable. And phone text. But still reverse the charge. Take off then put it back on my statement. Its from XX/XX/2021. From XXXX I went up there and they said they where going up there to get a check, thats been out of my hands along time ago! He said he need a full detailed description on the the bill click it to see if you can pull up the invoice Ok you dont have to the bill is going to my boss -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A hard inquiry from Chase appears in my credit history with XXXX and XXXX for the date of XX/XX/XXXX. Per conversation with the Chase department for credit card applications, there was not any record of a XX/XX/XXXX inquiry to verify my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Send credit bureau a letter informing them that I received a copy of my credit report. I asked that they send me copies that they have in their files as of this date that they used to verify the accuracy of the accounts below. My letter stated the following : Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their files at the time of the request concerning the accounts that they are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please Delete Them Immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Under the FCRA15 U.S.C 1681i, all Unverified Accounts Must Be Promptly Deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
1. XXXX Account numberXXXX Unverified account 2.XXXX Account number XXXX Unverified account *NOTE : Please remove all non account holding inquiries over XXXX days old. 
I attached a copy of my social security card and drivers license and sent XXXX Certified Mail

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 2022-03-17
Company: Experian Information Solutions 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:
Hi, I am filing another complaint on XXXX XXXX XXXXXXXX. This is following a complaint I made back in XX/XX/XXXX. XXXX XXXX  XXXX has since removed the negative reporting on my credit reports for those months they falsely reported me late in the year XXXX. However, somehow my credit report is now showing a 120 day late for XX/XX/XXXX, which did not show during my first complaint. In my previous complaint, I have attached my payment history for your review. And that will show that I paid off the loan in XX/XX/XXXX... so there is no way that I have a late payment in XX/XX/XXXX. XXXX  XXXX XXXX has so many errors and is causing a long hold up on a refi loan I'm trying to get since last XXXX. 

My payment history was uploaded to you from the previous complaint so I won't upload it this time. But if you need it again, please let me know. 
Please let me know if you need any information from me and help me get this resolved asap. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
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:
Equifax has removed all my accounts from my credit report again causing my score to drop to the low XXXX 's. When my score should actually be XXXX. I have contacted them before, they fixed it and then they did it again. They removed all my accounts from my profile causing my score to drop once again. I want them to fix the information once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
TransUnion has kicked me out of the system for over two years I have had a username and pass code there has been problems ONGOING I have found a error recently and disputed with TransUnion they have kicked me off the system and or flaged my account causing me to jump hoops and preventing me from viewing and or getting my current status

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Sunset Management, 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:
The tradelines listed were not opened by me. And i've submitted an identity theft complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
During the week of XXXX2021, I received a Pre Selected offer of a cash bonus credit card from Capital One. On Sunday of that week, I went online to apply for this card. I had been given a Reservation # and Access Code.

The application took all of my contact information, including my birth date, annual income and Social Security number. The very last requirement ask me to take a video of myself and upload that along with a photo of my State ID. At XXXX, this is something I could not, nor know not, how to do! As a result the website stated that my application was DENIED. Ok, no problem. 


However, a few days later I received a voicemail from Capital One, suggesting that " a credit application was made by someone using my personal information '' and I should call their Fraud Dept XXXX XXXX XXXX XXXX to discuss this concern. Even though I thought I was finished with this issue, I did return the call and spoke with a woman at that number, confirming that I had filled out an application, but it had been DENIED. She said that if I sent XXXX forms of ID to the company, it could be processed. I clearly told her [ this conversation was recorded by the company ], that I did not care to send in that information and I DID NOT WANT THIS CREDIT CARD. Case closed, right! 


Today, XX/XX/2021, I received a Credit Card in the mail. It was from Capital One, but lacking any information regarding the cash offer. Calling the company at XXXX XXXX XXXX XXXX, I complained about the unsolicited card. I was told by the representative, XXXX, that the account was open, that I HAD applied for it, but it was " restricted '' until I sent in XXXX forms of ID. REALLY??? I requested that this account be closed and without reporting it to the credit reporting agencies, since I had not approved the application. I was informed that was not possible. 


It is my understanding that an unsolicited credit card is an illegal action, according to Regulation Z, the Truth In Lending Act. I do not understand how a website saying Application Denied, along with a phone conversation saying I did not want the card have become such a hassle for me? What does this company expect from an elderly, old school lady, following their error in issuing a card? How can Capital One not offer to cancel this unwanted card and also maintain my stellar credit rating - by not reporting their error - as a measure of good will or simply as the right thing to do? 


Please advise how to finalize this unfortunate and time wasting issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
TransUnion company has been billing my credit card a monthly fee of {$17.00} since XXXX/XXXX/2015 for a service that I never requested, never approved and never received. Even after I obtained a new credit card because the firs one was lost, they managed to obtain the information of the new one and keep billing me for that monthly fee that I do n't know what it is about and never received any notice of it. I have search the internet trying to get information about this service and nothing appears except for people that had the same theft from the same company. I am including screenshots of all the monthly bills with the number of the order and the amount and also the only document that i was able to find stating the different prices for the different services that TransUnion Company have.

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 2016-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Trans Union -- what a wonderful company ( lol ). Will not give me my free credit report for the year unless I pay for it. Trans Union online dispute form is always down and will not allow me to sign in or sign up. The security questions I have to answer truthfully are not factually correct to access my free online report. So when I answer truthfully then Trans Union claims I am not who I say I am. There are many problems with Trans Union. I ca n't be the only consumer to complain about Trans Union and these issues. XXXX/XXXX credit card has been closed by me for more than 10 years yet XXXX and Trans Union refuses to delete this from my credit report. In the meantime Trans Union denies me free online access to my credit report as well. Why? Trans Union, a XXXX XXXX XXXX taking advantage of the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a XXXX XXXX on my and my husband credit I have called them I get transferred over and over spent hours on the phone just for them to tell me they will send me a bill to show me what it is for but it never comes. So it is on our credit as part of my bankruptcy when this was paid in full we were with this company for years. When I first went to XXXX years ago they told me my husband and son had the same name so my sons up grade got added to our account by mistake. The point is it is affecting my credit and I want it taken off.This is showing on all three bureaus on mine and my husband. I have no documents due to the fact it is so old.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me. 
1. XXXX, account ; XXXX, this account is not mine. 
2. XXXX, account ; XXXX, this account is not mine. 
3. XXXX, account ; XXXX, this account is not 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 2022-03-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In reviewing my credit reports I noticed that information on my Trans Union report had been deleted including XXXX tax liens and inquiries however at a closer look I noticed that the information that was deleted had been reinserted. Trans union had a glitch in it 's system that violated my rights as a consumer under section XXXX. As result I 'm asking that all inquiries and public records be removed as it has gravely affected me and my credit score is suffering as result of this action

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 2022-03-17
Company: Experian Information Solutions 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my 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 explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: LA
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:
I received a copy of my credit report XXXX and I discovered an unrecognizable account on my profile from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX date opened : XXXX amount : {$610.00}

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 explanation
Consumer complaint received 2016-09-02
Company: KEYCORP
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In XXXX XXXX, I took out only XXXX loan from Key Bank to study for the bar exam. My credit reports show XXXX separate loans all from XXXX XXXX. Due to the losing my job in XXXX, I fell behind on my bills including Key Bank. I have paid down the Key Bank loan from {$10000.00} to {$6000.00}. However, XXXX other accounts XXXX and XXXX XXXX Bank XXXX XXXX show that a claim was filed with the government for the same loan. A few problems. First, I have only XXXX Key Bank loan and it should not be reported the other two times on my credit report. I have sent requests to all XXXX for copies of the loan documents. Second, if the government paid on a filed claim, I am also paying and, hence, Key Bank received double payment. Third, if the government paid the claim, Key Bank is whole and should not be receiving payment from me and the loan should show paid. Or, Key Bank should refund the amount I paid and am paying to the government. 

All XXXX accounts should provide a copy of each separate loan agreement and papers. 
Since there is only XXXX loan, the other XXXX should be removed from my credit reports. 
If the government paid the balances off or any portion thereof, Key Bank should reimburse the government for the amounts I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been calling Seterus regarding a letter a received advising I was entitled to a {$5000.00} principal reduction in my current mortgage. Each time I have called about the status of the reduction, I am given a different answer. 
1. I was told I was calling to soon about the reduction, to wait until XX/XX/XXXX and follow up again. 
2. I spoke to a representative who had no idea what I was talking about, but was able to reference the notations in the account from my previous call, she could not give me an update. 
3. I spoke with another representative who advised me that I would have to wait another 6 years before the reduction would be applied, but after she read the letter that was issued to me she then advised me that she would submit a request to find out where the funds were, and when they would be applied. 
4. One week later I spoke to yet another representative who advised that there was no response to the previous request for an update and that she would submit another request. 
5. I called the next day to request a supervisor. It was at this point that I was told that the government had to release the funds and that was why it was n't applied and that I would just have to wait for it to be applied. I was also told that I was not the only customer calling in regards to this issue. I insisted that I speak with a supervisor, but was instead transferred to a Subject Matter Expert who then advised me that I could not have a single point of contact to follow up with. She also advised that there was only one person who can respond to the requests that were sent for an update on the status of my principal reduction. 
I do n't know why Seterus can not provide and update but I think that I have waited long enough. I would like some answers sooner rather than later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have notified Experian regarding accounts on my credit report that were a result of identity theft. I sent them a 605 identity theft letter accompanied by the 605 law and an FTC identity theft report. The federal law required them to block the account within four days but Experian is persisting that their policy is higher than the federal law that regulates them. I was told that their policy is the reason they are not removing the fraudulent account. The account is XXXX XXXX. After contacting XXXX  XXXX the company agreed that if the account is resulting from identity theft experian must remove it. The company agreed especially because both XXXX  and XXXX have already complied and removed the account. I am also going to include the united states postal service tracking number for the 605 letter and ftc report that was sent to experian. The tracking number is proof that it has been well over 4 days since Experian has received the notice and they are choosing to disregard the law. 
Tracking number : 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 non-monetary relief