BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had issues with Goldman Sachs / Apple Card timely crediting payments for my last two statement cycles. I pay this account via my credit union 's billpayer service, provided by XXXX, and two months in a row Goldman Sachs has not timely credited my payments. This is not an issue with any other company I do business with and was not an issue with Goldman Sachs until recently. 

The XXXX payment was scheduled for XX/XX/XXXX, the due date on the statement, and did not post until XXXX, resulting in an interest charge I should not have been assessed as the statement balance was paid in full. In this instance, Goldman Sachs backdated the payment to XX/XX/XXXX and credited me the interest charges, without my asking them to do so. With the latest episode, I scheduled a payment for the full statement balance on XX/XX/XXXX, which was also before the due date of XX/XX/XXXX, and they did not credit it until XXXX. They refuse to reverse the interest charges for this " late '' payment. They have refunded {$25.00} and say that is all they can do. They can not explain why this payment was not backdated as happened in the previous month, or why they are posting these payments late. 

They are continuing to accrue interest on my account, despite it being paid on time and in full. Today I received an e-mail saying they have closed my investigation and will not be refunding the interest charges. I have submitted a Fair Credit Billing Act dispute, via postal mail, and they have not replied to that dispute as of this writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed. 

I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation. 

Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress  and XXXX. 

I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal. 

I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately. 

I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution. 

If this matter is not addressed to my satisfaction withinthe exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Contacted cash app numerous times for issue with no assistance in understanding or resolving the missing XXXX from my direct deposit on XXXX XXXX from XXXX. My job direct deposited my pay. Cash app after my call to them states they took the funds after a technical error that was not reported to me, or on the website. Nobody knows of this error, I cant see the transactions as the agent states to me, on my app, or on my monthly statements, as it isnt something that they can correct? No notification or communication, just took XXXX after these transactions were paid to the company, someone changed the amounts, and months later take my funds I desperately needed to move.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 a fraudulent XXXX transaction was made on my account possibly from my unattended phone that was illegally accessed in a XXXX parking lot, in the amount of {$1600.00} to a XXXX XXXX. After reporting the fraudulent transaction the next day, the effected checking account was locked and a police report was filed per the banks recommendation and an identity theft report was also initiated. After several months of supposed investigation the bank claimed they weren't responsible for the missing money and blamed me for an outside party accessing my phone, even though I was the victim of the fraudulent access. No further investigation was conducted by BoA despite further information about the fraudulent party being given to them. After an initial investigation by the XXXX it was reported to bank of america that individual where the money was sent was most likely fraudulent as the individual XXXX XXXX could not be reached and a male individual answered instead. After requesting identifying information the individual hung up and blocked the number. 

BoA XXXX XXXX # : XXXX Police report : 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 monetary relief
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pen this letter with a sense of escalating frustration and disappointment due to the ongoing failure to address and remove fraudulent items from my credit report. Despite numerous and exhaustive attempts to rectify this egregious situation, the persistent presence of these inaccuracies is not only unacceptable but is wreaking havoc on my financial well-being. 

This ordeal commenced and since then, I have engaged in a relentless battle to correct these fraudulent entries. I have submitted an alarming number of dispute requests, accompanied by detailed documentation and explanations to support my claims. Shockingly, these efforts have proven fruitless, as the fraudulent items continue to cast a dark shadow over my credit history. 

The gravity of this situation can not be overstated. It is not merely a clerical error ; it is a breach of trust and a blatant disregard for the fundamental principles of accurate credit reporting. This ongoing failure is not only impacting my creditworthiness but is eroding my confidence in the integrity of your dispute resolution process. 

I demand an immediate and thorough investigation into this matter, with an unwavering focus on removing the fraudulent items from my credit report. Furthermore, I insist on a detailed and unambiguous explanation for the repeated failures to address and rectify these issues. 

The time for platitudes and inadequate responses is over. I expect this matter to be treated with an unprecedented level of urgency, and I demand a substantive response within the exact timeframe from the date of this letter. Failure to rectify this matter promptly will compel me to escalate my complaint to regulatory authorities and explore all available legal avenues to address these persistent inaccuracies on my credit report. 

Enclosed with this letter, you will find, once again, the exhaustive supporting documentation for your reference. I trust that this will be the final instance in which I am compelled to provide evidence for an issue that should have been resolved with expediency. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$27.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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 have a few inquiries on my report that are not even 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 non-monetary relief
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THESE ACCOUNTS IS NOT MINE AND THESE ACCOUNTS HAVE A INFORMATION INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( 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 have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
have disputed an adverse action that was taken against me based on information in my credit report in the past and you still continue to report it why? 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 603, Subsection ( k ) ( 1 ) ( b ) ( i ), which requires credit reporting agencies to provide notice to consumers when an adverse action is taken based on information in their credit report. 
I am requesting that you investigate and correct the inaccuracies in my credit report. 
The specific items I am disputing are : Accounts 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 XXXXXXXX

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 2023-03-29
Company: EQUIFAX, 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:
My name is XXXX XXXX, this complaint is not made in error nor 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. Please delete the accounts below from my reportXXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XXXX. XXXX, XXXX Balance : {$7900.00}, XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I was a XXXX credit cardholder for years. In XXXX I did receive my statement with a large purchase of {$350.00} cents. Immediately, I did call and let them know that I did not recognize that purchase. The person I did talk to told me that they would fix that problem. After months, they did not do anythng about my claim. Meanwhile, they kept charging me interests and late fees for that amount ( $ XXXX ). On XX/XX/XXXX I did make a second phone call and I did talk to another person named XXXX. She told me that she did not see any notes about my claim. XXXX did go over my last statements and she did conclude that I did owe only {$140.00} cents. Immediately, I did make a pay off of {$140.00} cents in order to make my account at XXXX balance. She also told me that they would send me a reversal letter in 90 days after investigation. In XXXX XXXX, I did receive the reversal letter informing me that my claim was denined. At the end, they sent me to a collection agency ( XXXX XXXX XXXX ) with an amount of {$710.00} cents to pay. I did also call that agency ( XXXX  ) and explain the situation but they keep sending me bills with a large amount of {$1600.00}. XXXX cents to pay. I would appreciate that you help me to resolve this problem as soon as possible because I am not responsible to pay for a purchase that I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-15
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:
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. 

XXXXXXXX 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 XXXXXXXX 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 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 2020-07-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Collection agency XXXX XXXX XXXX whom I never had an account with have failed on 2 attempts to provide written proof with my signature that I had a account with them. Experian states on 2 disputes that the information is correct and has been verified but have not provided me with written proof. I would like for Experian to provide me with written proof with my signature showing that I had a contract with XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 creditors have violated my rights and 15 USC 16181 section 602 states i have the right to privacy 15 USC 1681 section 604 a section 2 it also state consumers reporting agency can not furnish an account without my written instructions under 15 USC 1666 a creditor may not treat a payment on 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 explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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