BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXXXXXX 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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is my follow-up to make sure that the fraudulent items in my file are deleted. The items that I am disputing have nothing to do with me or have an affiliation with my transactions whatsoever. 

Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CO XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 2021-10-10
Company: GOLDMAN SACHS BANK USA
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:
I made a purchase at XXXX for 2 bikes on XX/XX/2020. I used my Apple Credit Card. I never received the merchandise and have disputed the charge 6 times over the last 6 months with Goldman Sachs ( who issues the Apple Credit Card I used to make the purchase ). I go into an endless loop when trying to resolve it with them : - I dispute the transaction. I never received the merchandise from this merchant. 
- Apple Card agent files a report and credits the transaction fee temporarily - A few weeks later I get the letter forwarded below that says The merchant provided sufficient evidence that you made the purchase- I call to get the information provided expecting a tracking number or some other form that evidence that the merchandise was shipped and received ( which I know doesnt exist as I never received the merchandise ). 
- The agent always replies with- well it doesnt really show that we received anything from the merchant - I will refile your dispute. 
- A few weeks later I get the letter forwarded below that says The merchant provided sufficient evidence that you made the purchase I ordered this merchandise on XX/XX/2020. So as you can see I have been dealing with this for over a YEAR! I have filed no less than 5-6 disputes. I have requested information about the evidence the merchant provided over 5-6 times. I never get anything. I have tried to contact the merchant multiple times through phone calls and letters over the last year. I never get a response- so I know that agent/ team isnt getting one either. Yet the letter keeps saying The merchant provided sufficient evidence that you made the purchase. This just isnt true and is a fraudulent claim. I made the purchase - I told them that- not the merchant. I never received the merchandise and I believe the merchant went out of business during the year of COVID. I gave the merchant ample time to deliver before filing the dispute as I assumed Covid was delaying shipments. However, the merchandise never arrived and now I have found other merchandise to take its place. I cancelled the order for non-receipt about 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Transform Credit Inc.
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Sometime in XXXX I completed a loan application with Transform credit. There was not an option for a " cosigner '' to input their information, they instead have to complete a separate application. Therefore there is no cosigner, this is misleading information. Secondly, they have a signed promissory note already but is withholding my funds. Third, they continue to draft my account despite XXXX not releasing the funds for the loan and me calling them and stating they did not have my permission to do that and I needed to be issued a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29
Company: CITIBANK, N.A.
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:
U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 explanation
Consumer complaint received 2023-05-11
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 I received a letter from XXXX of my credit cards saying they closed my account due to mortgage lates. 
My score dropped to a devastating XXXX. 
Cross Country Mortgage reported my mortgage late in error for my XXXX payment. 
My home was damaged during the hurricane & my mortgage is in forbearance. 
I called Cross Country Mortgage. 
They confirmed they had made an error. 
I begged the representative to correct the problem & make sure that XXXX is not reported late in error also. 
She said I needed proof. 
Omg .... it's their mortgage! They set the forbearance! 
This has harmed me. 
My score tanked. 
Creditors are closing accounts due to their error. 
They are not helping me! 
This is so wrong!!!!!! 
My loan is XXXX XXXX verified the mortgage late. 
XXXX file XXXX XXXX XXXX insisted that I send an email to their research department which I have done. 

I have no idea how they can fix the damage they have caused. A hurricane .... now this. 
I'm trying to do everything right to bounce back. 
They simply don't care. 

Please help XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a mortgage with Wells Fargo in XXXX and lost the home in XXXX after I tried to do a loan modification program and despite making all the required payments, I still lost the house. The address was XXXX XXXX XXXX # XXXX, XXXX TX 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 2022-04-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX account number # XXXX XXXX account number # XXXX XXXX XXXX  account number # XXXX XXXX XXXX  account number # XXXX XXXX account number # XXXX XXXX account number # XXXX XXXX account number # XXXX XXXX  account number # XXXX XXXX  account number # XXXX XXXX account number # XXXX XXXX  account number # XXXX XXXX account number # XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX account number # XXXX XXXX XXXX  account number # XXXX 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 : its 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 then seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am submitting this CFPB complait to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts that was late on my credit file. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. This account should be corrected right away : XXXX XXXX Balance : {$10000.00}.

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 2020-07-28
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been fighting with the bureaus regarding accounts on my credit report that need to be removed that aren't mines, and yet here I am again receiving debt collection calls about accounts that I have never opened, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, and a few others. I have included them in my police report as well as my FTC Report. I should already have a fraud report on file, there should be no way companies are able to run my credit without me being notified, I have recently changed my number due to the heavy call volume of debt collectors reaching me on things I never purchased. I never had any banks or debits until I found on by recently checking a credit report of mines. I want these items investigated and deleted, also want them blocked. I had a car that I paid in full sent in documentation of it being paid in full and being signed over to me from the XXXX  XXXX company and it has showed back up ... PLEASE FIX THIS. This is draining. All the fraudulent inquiries from phone and finance companies, XXXX accounts. Just a lot of things done without my consent. 

I sent this request days ago, and your stating this isn't me this is me letting you know about MY CREDIT REPORT. Quit responding back saying this isn't me and you'll update me. I want this investigated with proof or deleted. Im attaching once again my FTC 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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-06-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My husband deposited two checks into our account on XX/XX/XXXX inside the bank with the teller. The check has not shown up in our account. We made the branch aware of the situation and they simply said they dont know what happened and that the check should show up tomorrow. The check has not shown up in our account and weve made several attempts to call the branch but they do t answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, I went into my local Chase branch near my home to do a international wire transfer of {$200.00} USD. There was no email or notification on the status on my international wire transfer. I called Chase on XX/XX/2023 to inquire about the status. Chase told me that the recipient bank XXXX rejected the transfer. I paid {$50.00} to Chase for this service. I got {$160.00} USD from the initial {$200.00} USD that was wired. I called Chase and Chase said it is not their problem. 
Chase wanted me to do the international wire transfer. I said no I can't afford to use their unreliable international wire transfer service. I instead used XXXX with the same info that I gave Chase and had no problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX - XXXX XXXX. Please remove.

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 2023-06-29
Company: Bridgecrest Acceptance Corporation
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
purchase vehicle in XXXX 2023 the car transmission had to be replace in the first 30days the company fix problem but car continue to have issues accelarating it would not move at stop light and was very unsafe I report problem to finance company and car warrant dept. no one could fix car. I did not feel safe in car and in XXXX asked company to take car back and work with me to resolve matter. Car was repos but never sold because it is not functionable. Now company reporting negative on 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 2023-06-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Bought a laptop at Best Buy ( Citi Bank ) by opening Best Buy Credit Card Account. 
I paid off the laptop. 
They charged me {$210.00} for service fees not requested, used or agreed to. 
I tried to contact them ( at least XXXX hour on automated service line, during which they misunderstood my complaint, and instead opened another account for me ). 
I finally got a real person on the phone ( another hour to get to that point ) and I disputed the charge and said I wanted them to close my account. They said they would investigate. 
They sent me a letter telling me I should call them. 
It takes me another 2 unsuccessful attempts and finally I got them on the 3rd attempt after another hour in automated maze. 
They said they would credit the account for unauthorized charges and I asked them again to close the account. At this point they say I do not owe them any money. 
However, another month goes by and they now have XXXX accounts open for me and they charge me the {$210.00} again for unwanted, unused and unauthorized charges. 
Now I'm filing this complaint to make sure they finally close my account and stop charging me and threatening me for not paying for charges I never agreed to when the account should have been closed in XXXX. 
I don't trust them to stop and I am wasting too much time defending myself.

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 2023-02-11
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:
This is my several requests that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Also, the listed accounts are DELETED from other bureaus and you should also delete them as well. I have doubts about their accuracy and the reported payment history on these accounts is a mystery to me. 
XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$10000.00}.

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