BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I bought TWO XXXX but was charged for FOUR XXXX and I was charged for something I didn't buy. 

According to the attached XXXX XXXX XXXX XXXX statement, there are TWO charges of {$2000.00}. One is on XX/XX/XXXX and the other one is on XX/XX/XXXX. These charges are for FOUR XXXX when I buy only TWO XXXX. 

As of todat, I still have NOT received the purchase receipt yet. 
Is it too much to ask for a receipt? 

Several unsuccessful attempts have been made to contact both the XXXX, MN XXXX store and Apple card. I have no other choice but to report this to the CFPB. 
In the attached XXXX XXXX XXXXXXXX XXXX, XXXX statement there are two different amounts of refunds. 
The XX/XX/XXXX is for {$2000.00} and the XX/XX/XXXX is for {$2000.00} But in the same statement, there is a charge of {$2000.00} dated XX/XX/XXXX. 
From these two XXXX XXXXXXXX XXXX statements there are TWO charges of {$2000.00}, one refund of {$2000.00} - so the two XXXX purchased had been paid.

ONE charge of {$2000.00} and ONE refund of {$2000.00} - A NET OF XXXX. I need explanation on this one too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
ADRESSES AND NAMES AND ACCOUNTS ARE WRONG

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Account name XXXX XXXX  XXXX Account 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 2021-07-08
Company: Nelnet, 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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I rented out first home to a family that experienced a financial hardship ( medical and unemployment ) XX/XX/XXXX. We contacted SPS concerning the payments and informed them of the lack of rental income. We filed a RMA as suggested for a short sale of the property. We were approved in XXXX after completing all the documents. The realtor was appointed by SPS that we contracted with. XX/XX/XXXX a contract was signed and slated for closing late XXXX. When the time came to close the realtor informed us that SPS had denied the Short Sale because the RMA needed to be applied for again. The docs were completed once again. We have had at least 4 closing dates that have not come to fruition. Each time a phone call has been made, there is always different information that is conveyed. The realtor has worked with SPS on several short sales and this by far was her worst. She has constantly received the run around with them also. The amount of the sale would cover the balance ( including the excessive interest that was tacked on ). But their findings was that the house was worth more according to their drive by  assessment. A foreclosure was scheduled for XX/XX/XXXX at the same time we were informed of a closing date of XX/XX/XXXX. Two days later after receiving certified mail from attorney stating date of foreclosure SPS mailed a letter that the house was taken out of foreclosure. The realtor was waiting for one form from SPS so that the house could go to closing. After calls were made on XX/XX/XXXX we were informed that the house is slated for foreclosure once again XX/XX/XXXX. When we inquired about modifying the loan ( which has a rate of almost twice the National average 7.9 % ) we were told that there were no more options other than bring the past pmts current of {$15000.00} or the payoff of {$150000.00}. The contract from the buyer was {$150000.00}. When asked reason for the denial, the only response is that the investor made a business decision. We truly dont understand the reasoning for all the back and forth for over 7 months. Each time we speak with a relationship manager there is no resolution. We believe that SPS wanted the home to be foreclosed so that their business decision would generate a uptick on the sale ( in an area that has recently seen new homes construction in the mid to upper $ 200s.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-07-08
Company: Duvera Billing Services, LLC
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:
It is an account from a company name XXXX on my credit report, I don't know what is that for and it is showing as charge off/collections, this is damaging my credit score and as I said I do not recognize this. 

I called them several times, to their phone numbers but all their phones are disconnected. I found this is something related to easypay but it is the same phone disconnected issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: TX
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:
I have several inaccurate and unverifiable accounts on my Experian report. I have tried to reach out to dispute these accounts as outlined by the FCRA. However, Experian has time and again chosen to ignore my dispute letters and demand to comply letter. Attached below is my dispute letter from over 60 days which has not received any response from Experian. They have failed to comply with federal laws and to provide valid proof of the validity of any of these negative accounts on my consumer report. All the negative and false accounts are outlined in my attached letters. 
Additionally, my attached Demand to Comply letter has received no response either. I sent all my letters via USPS certified mail and they show they were all delivered on time within a few days of the dates in my letters. These false accounts currently reporting on my Experian credit report are deeply frustrating and is a violation of the FCRA. According to the law all false and/or unverifiable date must be removed. I'd appreciate it if you all can assist with resolving this issue as Experian has not been helpful whatsoever.

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 2022-02-11
Company: EQUIFAX, INC.
State: WY
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
EXPERIAN has claimed to verify this account and clearly this account is inaccurate and still reporting to my consumer report when the company reporting is referring to me as a female when I am a male. I have informed EXPERIAN in the past that their inaccurate reporting could make me subject to identity theft. I have attached proof in the form of a screen shot of XXXX XXXX XXXX response to my last complaint where they purported that this debt is owed by a female. I have served XXXX XXXX XXXX with a cease and desist and the FDCPA states in 15 usc 1692c that the debt collector must cease all communication across any medium. The FDCPA defines communication as direct or indirect and forbids both. My consumer report is considered an indirect medium which would make XXXX XXXX XXXX in violation of the statute and the EXPERIAN complicit in a XXXX by attempting to collect a debt by extortionate means. Let this communication serve as documentation in the event EXPERIAN or XXXX XXXX XXXX does not respond adequately. At which time I will have irrefutable proof via this complaint of willful noncompliance and I will go to the furthest extent of the law to receive my remedy for the years of damage caused to me both financially and mentally.

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-02-13
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
CitiBank approved me for several AAdvantage cards offering promotional miles over many years. I have had a Citibank AAdvantage card since XXXX. After earning rewards miles, my XXXX XXXX account was shut down on XX/XX/XXXX. CitiBank is responsible for this matter because the awarding of promotional rewards directly caused my termination and led to me being viewed as abusive by XXXX XXXX. This caused me to lose all the promotional miles from CitiBank as well as many earned through different means, such as regular flights on the airline. Apparently going over a certain threshold of miles triggered XXXX XXXX to think I was guilty of fraud or abuse. CitiBank must have better controls over their products to prevent their customers from being unfairly treated by rewards partners due to the use of Citi products. If I did not receive the repeated awards from Citibank I would still have my XXXX XXXX account and all the miles accrued, therefore Citibank is responsible for this loss. Many of these credit card approvals were manually reviewed by Citibank employees before full approval, showing that they were scrutinized by staff. They should have known better than to jeopardize their customers in this way. 

The full amount of my loss is XXXX XXXX XXXX miles, valued at XXXX cents per mile. The full value of this loss is {$12000.00} due to Citibank 's improper handling of rewards partnerships.

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 2023-04-27
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$13000.00}. Please update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 2023-01-11
Company: SIERRA PACIFIC MORTGAGE
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX at Sierra Pacific Mortgage XXXX promised a {$5000.00} sellers concession then left it off the closing document. I had to ask for it then she added it back. Then I realized the tried to charge me XXXX XXXX in XXXX XXXX XXXX when I am a 100 % XXXX XXXX XXXX. I had given them documentation ahead of time and reminded them of this multiple time. After they fixed the XXXX  funding fees I noticed that the Origination fee went up from 1.044 % to 1.097 %. I confronted them that XXXX loans can not be charged more than 1 % in Origination fees before they lowered it. Finally they are double charging me two months of insurance on the home for a total of XXXX prepaid months as well as charging me 10 months of property taxes in advance when they know I will be exempt from property taxes in Maryland due to my 100 % XXXX XXXX XXXX XXXX XXXX. I fought with them about prepaying so many months in taxes and they would not budge saying I would get reimbursed. XXXX has been a nightmare to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX I opened a business account with Wells Fargo and added my first cashiers check from my client of {$5300.00}. I was assured that it would be fully available come XX/XX/XXXX, which it was. 
As we are waiting for our business accounts debit card to arrive, my wife and I took it upon ourselves to send {$300.00} to the personal account that we have had since XXXX, so that we could use that debit card to purchase tools. Upon examination of our account later at XXXX Tuesday evening, all of the money was gone, and now including a negative balance of {$300.00}. 
On XX/XX/XXXX at XXXX XXXX I went to Wells Fargo directly, the same one that we started the business account with, and was told that I would have to wait till XXXX XXXX  in order to rectify the situation. I had other things to do at my job site, so unfortunately I did have to leave. Upon returning at XXXX XXXX  I was told to wait off to the side, and was not approached till after XXXX about my account. 
I was then told that there was nothing that could be done because ( they ) werent sure if it was a fraudulent cashiers check, but had to make sure. From there I was told that the money that I needed to order cabinets for my refurbishment and pay my workers would not be available until the XXXX. 
Today being XX/XX/XXXX, I took a copy of the check, which Wells Fargo was graciously enough to give to me, and went to the XXXX XXXXXXXX XXXX where the check was made. My client the maker of the cashiers check also was gracious enough to not only give me a copy of his drivers license, but also a copy of the receipt for the cashiers check to prove that it wasnt fraudulent. Needless to say, I do not have my money, and this is costing me time and money with my work.

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 2021-07-08
Company: Experian Information Solutions Inc.
State: OK
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, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agencies XXXX, Experian, and XXXX  by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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