BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
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 fraud alerts or security freezes

Complaint:
Hello My Credit Score has suddenly dropped after I tried to buy a XXXX XXXX XXXX so myself and my family can move to XXXX in XXXX TX. 

On Wednesday XXXX XXXX XXXX in XXXX PA told me I was good to get {$50000.00} XXXXXXXX XXXX  after I supplied them all my information. 48 hours later I am only eligible for {$10000.00}. 

I had called them to make an offer on the linked XXXX for {$45000.00} and I told them the price on this product was hiked up before I visited. I am very certain of this but unfortunately I had not made a screenshot of it. 

These XXXX usually go for low 50s. So now my offer cant even stand because my credit score plunged. How did this happen? 

Was I hacked at XXXX XXXX in XXXX, PA XXXX or XXXX  in XXXX, PA XXXX that I visited on Wednesday XXXX? 

XXXX XXXX XXXX XXXXXXXX A month earlier I got a Hard Inquiry on my credit report from XXXX XXXX on XXXX and I called them to find out if this was from your company seeking info on my credit score and a list of exactly what information was requested and what actions were taken. The reason is my score has dropped although I have made every effort to raise it to buy : 2. Home or land or XXXX to move near XXXX in XXXX TX. 

XXXX XXXX has not yet replied so I am asking you if Consumer Finance can brief me on what information was accessed during the Hard Inquiry and if the drop or freeze of my credit potential since could reflect possibly Financial Sanctions enacted against me? 

XXXXXXXX XXXX XXXX XXXXXXXX The reason why I suspect Financial Sanctions is because I have observed tactics blocking me from have an online presence, and most recently in XXXX and XX/XX/2023 I was charged 2X for my Formula1 subscriptions. Then the subscriptions were removed so I paid but cant watch F1 live nor was I refunded. 

Thanks for your help. 

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 explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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 2023-06-29
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2021-05-21
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: Was not notified of investigation status or results

Complaint:
I contacted Equifax over a month ago and ask for a full disclosure credit report I still have not receive one. I don't understand why this is taking so long. I had to freeze my account do to some activity that wasnt mine and now am trying to figure this all out and getting no help from Equifax.I need my report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: SYNCHRONY FINANCIAL
State: CA
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:
Hi, I would like to file a complaint in hopes of rectifying a situation I have with Synchrony Bank. I have made several attempts to clear this matter up with the bank before contacting your agency. 

On XX/XX/2022, XXXX XXXX  I opened a XXXX account to purchase an automotive fuel injection kit. 
I also have XXXX XXXX  account with Synchrony Bank. These XXXX accounts are being confused. 

The issue arose when someone at the bank charged my purchase from XXXX XXXX to my XXXX XXXX account. I asked for a correction of this situation as soon as I discovered the situation. I was told it would be corrected several times but that has not happened. 

Someone made a mistake in posting this transaction to the wrong account and I am having to go through this process to correct the matter. 

The item I purchased should be charged to account XXXX XXXX XXXX. This would make this situation correct. I clearly opened the account for this purchase. 

I am also being interest at the wrong rate because the balance that has occurred because of this error. 

The invoice I included clearly states the item was purchased to the XXXX XXXX XXXX XXXX. Its toward the bottom of the invoice on the left side. 

I truly hope you can help me with this matter. I have enclosed a copy of the invoice. If you towards the bottom it clearly states the charge was made to XXXX. That did not happen and I need your help. 

Respectfully

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 2023-02-08
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act Section 15 USC 1681 ( b ) ( e ) 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. A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX  of dollars in additional funds beyond amount due were improperly applied to interest rather than principle. Was essentially told thats how its done and email sent through online portal disappeared! Record of correspondence was deleted by Wells Fargo.

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 2023-04-28
Company: DISCOVER BANK
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I was contacted by an individual identifying himself as a representative of Discover Bank Fraud Department. My caller ID showed Discover bank and the individual sent me the expected text message to verify my identity by reading back the number code in the text. They proceeded to have me verify as either authorized or unauthorized, charges on my debit card, due to suspicious transactions. Some of the charges were actual purchases I transacted. Over the course of this call I was tricked into providing them credentials, driver license image, which they in turn used to conduct an unauthorized wire transfer from my savings account, XXXX, in the amount of {$110000.00}. I became suspicious and terminated the call and phoned Discover Bank directly. I was apparently just minutes late in alerting them to the unauthorized transaction. The wire had been sent and the wire recall request, as I later learned, was unsuccessful. 

I contacted the XXXX XXXX, FL Sheriffs Office, Economic Crimes Task Force. They requested that I urgently contact Discover Bank and report back with the wire transfer details : destination bank, account number, Swift number, etc., as they said there would be a short window of opportunity to recover the funds. Discover Bank refused to release the information to me, stating that it was under investigation by the bank. They did however provide me with a direct number for law enforcement use and to provide that to the Sheriffs Office. They assured me they would cooperate with law enforcement without requiring a subpoena. The county Sheriff agent contacted me later to inform me that the call was unanswered and that he received no return call from the voicemail he provided them.

I contacted Discover Bank several days later to inquire about the progress of their investigation. I was verbally informed that their investigation was closed. They stated that the receiving bank refused to return the funds, and there would be no restoration to my savings account. This was in despite of being assured during three different conversations I had with the bank on the day of the incident and the following day, that I could expect the funds to be restored. 

As of this date, XX/XX/2023 I have not received a formal notification of the results of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: GOLDMAN SACHS BANK USA
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: Account status incorrect

Complaint:
One year ago, I fulfilled my financial obligation to Goldman Sachs Bank by satisfying the balance on my remaining credit, which exceeded one thousand dollars, and closing my account. The bank representative assured me that my credit card was fully paid off and that my account was closed. Despite this, I was surprised to find that my credit report displayed a derogatory mark for the account which had been closed for some time, indicating a fee that was not meant to have been applied to a closed account. This has had significant and far-reaching consequences, hindering my ability to secure a new apartment and obtain employment, and even restricting my access to financial services such as car loans. Goldman Sachs Bank has severely impacted my life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
Company: AMERICAN EXPRESS COMPANY
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:
On Saturday, XX/XX/2023 I was making a Delta Airlines booking. At the point of payment, I was offered a signing bonus of XXXX miles plus {$400.00} credit if I spent {$2000.00} with 3 or 6 months AND a {$400.00} credit toward a Delta flight if I booked one within 6 months if I applied for their AmEx Delta SkyMiles Gold credit card. I signed up for this card. As I hit submit to purchase this, the system did not take the payment. I then received an email that gave me access to my card number with a temporary CVV code. I went back to the Delta website and booked my flight. 
I called AmEx on Monday, XX/XX/2023 and asked when my credit was going to be posted. After their review, they said that I was not eligible for the offer and that I received a pop-up saying that I was not eligible for the offer and if I wanted to continue. They said that I clicked yes to this. There is NO way that I would have signed up for this without the bonus as I was expecting this to pay for my flight to Kansas. I would have just put it on another card. We went back and forth and it turned into a he-said, she-said event. 
AmEx offered my a card with certain bonuses that were not given to me. This was basically a bait and switch. I would like AmEx to fulfill the bonus that I signed up for. 
I made sure to take a screenshot of offer as I have heard companies trying to deny that an offer was ever made or that the offer is less than was is published.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Open Dealer Exchange, LLC
State: MN
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 would like the Hard Inquiries to be removed from my credit report. One of which I dont recognize and 2 I had no idea they had to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2019-09-14
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I possess a XXXX  store credit card from Comenity Bank. On XX/XX/2019 there was a fraudulent purchase made using my card information ( but not my card as I possess same ). I noted this within a matter of days and contacted Comenity Bank to notify them of the unauthorized transaction. The bank closed that account and issued a new card and had me complete paperwork to initiate an investigation. I was informed that I would not be responsible for paying that sum until and unless the investigation was complete and I were found liable. Despite this assurance, I soon received two statements from Comenity Bank, one for the new account, and one for the closed account under fraud investigation. Under the closed account it was stated that I had a minimum payment due of {$32.00} and demanding payment. As I had been informed not to pay this as I was not liable, I telephoned Comenity Bank to question this. I spoke to a representative ( which I audio recorded as my state is a one party consent state ) and questioned why I was having payment demanded of me for an issue still under investigation. I was informed that this was a mistake and that the statement should never have been issued to me. I was informed that payment was not due and I was not to pay it. However, I am now receiving notices from Credit Reporting Bureaus that I am delinquent on this payment. I telephoned Comenity Bank this evening, XX/XX/2019 ( and again recorded the call ) to ask why I was being listed as late in payments when I was specifically told that payment was not due and that I was not to make the payment. Comenity Bank states that I do not owe a payment as the investigation is still pending .... yet they have reported me as being delinquent in payment. I am greatly concerned as I have a credit score of XXXX as I am very careful with my credit and having a late or missed payment on my record is troubling. Especially troubling as, unless I am mistaken, it is unlawful for Comenity Bank to demand payment or list me as late on this payment while it is still under a fraud investigation. If this reflects negatively on my credit I will be seeking full reparations and punitive actions against Comenity Bank as I should not be reported as late or having missed a payment when this issue is under a pending fraud investigation for a purchase I did not make. 
I do not still possess the old account credit card number ... but will provide the new card number later in this complaint for identification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: CA
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-01-19
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items 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 item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

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

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 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 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 ; 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 2023-02-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase includes purchase protection through card benefit services. I filed a claim a full month ago and every time I call I am told the claim will be completed within 5 business days. It's clear now that the benefits I pay for with Chase are not being provided. Chase has refused a refund of their fee for these benefits and refused to provide any support to resolve the pending claim. 

Doing a quick XXXX search reveals that this is a common occurrence with Chase and their XXXX XXXX XXXX. 

The Chase representatives simply hang up on you and continue to state there is nothing they can do to help. 

Effectively, Chase is collecting fees and not rendering the services promised. I believe this to be a form of fraud and would like a formal investigation conducted into this practice.

Company response to consumer: Closed with monetary relief