BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-02-22
Company: Experian Information Solutions Inc.
State: AL
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 reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX XXXX XXXX Acct # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. I contacted " Experian " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. Thank you, 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 2017-05-10
Company: DISCOVER BANK
State: CA
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:
On  XXXX   XXXX ,  2017 , I purchased a brand new textbook from   XXXX   XXXX   XXXX   in  XXXX , CA for {$85.00} using my  Discover  Card. This textbook, in brand new condition, was supposed to come with an online access code. The textbook that I received, however, DID NOT come with such a code. In addition, the textbook was missing pages. After multiple unsuccessful attempts at working this out directly with the merchant, a dispute was filed on  XXXX   XXXX ,  2017  directly with my credit card iss uer, Discover Card . On  XXXX   XXXX , I received notification that the credit card issuer is unwilling to assist me in this case due to " lack of documentation '' from my end. With all due respect, I expect a full credit to be issued here. I received damaged merchandise from a dishonorable and dishonest merchant. I tried, in my best interest, to get this issue directly resolved with the merchant. When the merchant refused to cooperate, a billing dispute was initiated. As it stands right now, I am left with a damaged and defective textbook that is missing content and a credit card issuer refusing to cooperate in this investigation. I expect Discover Card to be held fully accountable for this as I did everything I possibly could with respect to a resolution with the merchant. In this circumstance, a full refund of {$85.00} is the only amicable resolution to this defective textbook purchased.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-09
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan Care refuses to release a payoff request from their borrower who is trying to refinance. They have been giving him the run around which has subsequently cost him delays which will result in monetary loss.

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 2023-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I purchased on a vehicle on XX/XX/2023 online and I wired {$10000.00} and the vehicle was never delivered it was a scam. My bank tried to talk to the bank that received the money to reverse it but never got a response from the bank.

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 2023-08-14
Company: EQUIFAX, 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:
There is something seriously going on with my credit. I keep seeing some hard inquiries that are not mine or associated with me. I am a victim of identity theft, the XXXX major bureaus have my proof already. I just checked my report again, and am see some hard inquire that aren't mine. I want them delete immediately, and i am asking for my credit report to be correctly update, and current. According to the law, all hard inquire reporting on a consumer 's report must have a permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venom had been holding my money passed the 180 days span. They been holding my money since late 2020. My funds are just sitting in the account. They promised that my funds will be released after 180 days but no answer after that mark. I would like to take legal actions to get my money back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. this has damaged me and held me back for sometime. Im demanding CFPB to enforce the correct and or deletion of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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 2023-02-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). Also violating 18 USC 894. 
Names Reported : XXXX XXXX They ( credit reporting agency ) have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Reporting alleged late payments in violation 15 U.S. Code 1666b ( a ) and 15 USC 1681a ( 2 ) ( 1 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
An International money transfer was sent from my mother to me through Western Union on XX/XX/2020. This transfer was set to be picked up by me in the XXXX XXXX. The transfer was in the amount of XXXX USD. The money order was instead picked up by someone else in the XXXX using my info on XX/XX/2020 even though I have never been to the XXXX and can provide documentation proving this. XX/XX/ called and explained the situation and requested a refund was informed that an investigation would be done. Called again on XX/XX/20 and was informed that a refund would be granted and in 24 hrs we would be contacted with a new tracking number to receive the refund, never got a call from Western union On XX/XX/20 got in contact with western union and was told that there would be an investigation again into the matter and that they would contact us in 24hrs. this never happened and instead, we had to contact them and were told that the refunded money was picked up even though it never was because we never got a new tracking number for the funds. XX/XX/20 spoke to a supervisor and was told the case was still under review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a XXXX which makes me very prone to XXXX XXXX. As a result, every so often, I have to drop classes very early in the semester. When this happens the school has to manually fax the loan servicers with records of my school status because it's too early for the clearing house. 

Normally there isn't a problem because, per XXXX : " If you reenroll in school at least half-time before the end of your grace period, you will receive the full six-month grace period when you stop attending school or drop below half-time enrollment. '' The rule is that any time I fall below half-time ( which is 6 credit hours at my school ) the grace period starts and and time I return to half-time the grace period resets. 

In this case I was attending 7 credit hours, but had to drop on XX/XX/XXXX which is the date that I fell below 6 credit hours. Ordinarily this should result in my grace period being set to expire XX/XX/XXXX, but even though the school confirmed that they faxed both loan Servicers in XXXX one of them - Mohela- sent me a bill which I received today. 

The bill states that I owe {$610.00} as of XX/XX/XXXX. Since I should be in grace this bill should not exist. 

I am attaching to this complaint a copy of the document that the school faxed Mohela. In a previous year the same document was faxed to a previous loan servicer named " XXXX '' who was able to accurately apply such information, but Mohela isn't doing that as it should. I am also attaching a print out of the online bill showing what they allege that I owe. 

I attempted to call, but could not get through. I tried to contact online, but their website says they they are dealing with extremely large call volumes. I tried using their secure message system, but it keeps timing out forcing me to retype and I have no idea if it went through or not. 

Normally I would wait to complain, but in this case waiting could be disastrous since I am nearing the time that I need to apply for loans to attend the XXXX XXXX semester.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This bank is a disgrace. i have been complaining about abusive fees since 2022 and they only refund me XXXX dollars???? AN ABSURD, a disregard for the customer. they want to shut us up. Wells Fargo, look at my statements from 2022 until now and see how many fees I've paid, these are abusive fees. how dare you give me back ONLY XXXX dollars???? this is absurd, terrible treatment, they treat the customer like an XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving this letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw a ton of accounts that I never open and three bankruptcies under my name. These accounts and bankruptcies are not mine. Please remove all these fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account was opened fraudulently, complaint submitted to CPFB, account was removed, original removed from credit, letter sent to credit bureau and to myself. New collection agency is trying to collect on debt that was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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:
This is yet another attempt at requesting EQUIFAX and XXXX to stop blocking me from getting my reports. I have been paying for a service to pull my reports and I am unable to access them. I have tried contacting them both and they both claim there is no issue and even on their sites I am blocked from receiving my reports. I can't purchase a vehicle and I have been renting vehicles because I am unable to pull my reports. I have a right to have the reports yet I am being blocked. I also requested my entire FILE I have yet to receive that as well. PLEASE STOP BLOCKING ME! You are violating my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Experian Information Solutions Inc.
State: KY
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:
For going on 4 years now I have tried to dispute this loan. First off it should not be showing up on my credit report from the school itself when I took out a FAFSA loan and they are already reporting on my credit so the school is fraudulently trying to charge me twice. They kicked me out of school in XXXX after I went to class one night and would not let me finish my 3 classes I needed to graduate because they said they wanted me to go back to my XXXX taxes and change my filing status. That is against the law and unjust and not ethical and my filing status has absolutely nothing to do with the school. I did not drop out nor quit they would not enroll me into anymore classes due to this. I have disputed and appealed this so many times with no turn around from this school. This school is a fraud and they were in a class action lawsuit for a ton of reasons including fraud and lied about the lawsuit not being true. The school also shut down where I live at due to the lawsuit. I need them off of my credit report ASAP!!!! When I call their corporate office they won't even let me speak to anyone they immediately send me to their collections department and continue to fraudulently report and try to charge me. I am also disputing this with the Dept. Of Education as well. The sooner it is removed the better because I am about to sue them. I am sick of them and sick of these profit schools trying to get over on people. I hope they all lose their jobs as well because they are defrauding consumers. Goes to show that just because it has University in front of the name they are still fraudulent.

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 2023-10-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 Chase closed my Sapphire Reserve Card without notice.

Upon me contacting them they stated that it was a bank policy issue. 

I have always been in good standing with the company and have never done anything negative towards my account. 

They even took away my ultimate reward points as well by stating I was in bad standing. 

I am asking for my account ultimate reward points to be given back to me because my account was closed on terms that is not aligned with me as a valuable customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: HYUNDAI CAPITAL AMERICA
State: FL
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 NEVER APPLIED FOR ANY CARS LOAN OR LOAN AND THERE KEEP REPORTIN ON THE CREDIT BUREOUS ALL THREE DIFFERENT ONES!!! XXXXXXXX XXXX WHEN I ACTUALLY HAD MY CREDIT FINE SOME SCAMMER OR WHO EVER WAS IT USE MY INFORMATION AND IS EFFECTING MY LIFE PERSONAL

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 2023-08-28
Company: GOLDMAN SACHS BANK USA
State: DC
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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter that I have been trying to resolve with Goldman Sachs since XX/XX/2023. On this date, I disputed a charge of {$66.00} from XXXX XXXX. However, on XX/XX/XXXX, I was informed that the charge would remain on my account. 

In response, I requested the case to be reopened on the same day. On XX/XX/XXXX, I provided additional evidence, including confirmation from the merchant that the transaction was unsuccessful. Despite this, on XX/XX/XXXX, Goldman Sachs maintained that the charge would remain on my account. 

On XX/XX/2023, I once again requested to reopen the case and provided further information to Goldman Sachs. Yet, on XX/XX/2023, I was informed again that the charge would remain on my account. 

I escalated the matter and spoke to a supervisor named XXXX. She informed me that they had not received any documentation from the merchant to support my claim for the {$66.00}. XXXX also stated that I had not provided evidence that the reservation was cancelled. I clarified that there was no cancellation because both the merchant and the website confirmed that the transaction was unsuccessful. 

Recently, I informed the merchant that Goldman Sachs confirmed the transaction went through on their end. However, the merchant has refused to respond to my communications. It is also worth noting that Goldman Sachs has refused to take into account the confirmation from both the merchant and the merchant 's website that the transaction was unsuccessful. Instead, they are solely accepting the merchant 's terms and conditions. 

Despite providing screenshots as evidence of the unsuccessful transaction, Goldman Sachs has refused to refund me for services that were not rendered. I believe this to be an unjust situation and I am seeking your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX : Timeline and Evidence sent to Goldman Sachs on XX/XX/2023.

Company response to consumer: Closed with monetary relief