BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX XXXX XXXX  notified all 3 CRA and identified information on my report that are a result of identity theft, these are not related to any transactions completed by me, XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: Winklevoss Exchange LLC
State: NY
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:
Dear Gemini Credit Card Dispute Department, I am writing to dispute charges totaling $ XXXX from XXXX XXXX XXXX I booked a 4-night stay from XX/XX/2023 to XX/XX/2023. When I arrived, I found the hotel under construction with no air conditioning or amenities. My stay was highly unsatisfactory. 

I brought this to the hotel 's attention and asked for a discount, but they refused and charged me the full price despite my only staying 2 nights. I first disputed the charges for the unused nights, providing photos and a written explanation, but Gemini denied my dispute. I appealed again and provided more evidence of the hotel 's unacceptable condition, but the dispute was rejected again. 

The charges are fraudulent because I did not receive the hotel services I paid for during my stay. The hotel was simply not operable with no XXXX and amenities under construction. As evidence, I have attached : Copy of original reservation booking and receipt showing XXXX nights Photographs showing construction and lack of amenities Written complaint submitted to hotel management An invoice showing full charges for 4 nights after staying only 2 nights XXXX XXXX XXXX did not deliver the experience promised when I booked. Despite not receiving the services I paid for, they refused to discount my stay. I should not be held responsible for paying full price on an incomplete stay. Please thoroughly review the evidence and reconsider my dispute. The charges are illegitimate and should be removed from my account. 

Thank you for your time. I look forward to your prompt response on this matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
I HAVE CONTACTED XXXX XXXX TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF {$120.00}. THEY SOLD THIS ACCOUNT TO XXXX XXXX AND THE ACCOUNT WAS PAID IN FULL. THEY SHOULD NOT REPORT THIS ACCOUNT SINCE THEY SOLD THIS ACCOUNT TO A COLLECTION AGENCY. THE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES. PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A COSUMER 'S ACCOUNT TO A LATER DATE AND DUPLICATIVE REPORTING, PARTICULARLY FOLLOWING ACQUISITIONS OR SALES, MERGERS AND OTHER TRANSFERS. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION.

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 2023-08-13
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The original creditor AT & T has since sent my information to another debt collection agency and they refuse to stop calling me and they are improperly using my credit report again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: W&A Intermediate Co., LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date if phone contact with collection company Wakefield requested info they responded with promise to postal mail samenever received. All I know is debt supposedly occurred in 2020 I was made aware of this from XXXX XXXX never was contacted from collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Experian Information Solutions 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 recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

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 2023-11-30
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: Account status incorrect

Complaint:
I looked at my Credit Profile recently and saw that I had duplicate accounts being reported that are damaging my score. As a Consumer I have the right to a credit report that is 100 % accurate. On my Experian credit report, I see that Portfolio has reported account XXXX twice. I am hereby requesting that Experian please remove one of these account as they are inaccurate and should not be on my credit report. I understand that Experian oversees several accounts and mistakes can happen. However, I would like them to please remove this duplicate account 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 2020-03-26
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Called lender, Sallie mae, XX/XX/2019 asked for lower payments options because of XXXX. The representative stated she would email the paperwork and I never received. I called back 2 weeks later and was told the paperwork could be downloaded on website stated I needed to make payment before I could proceed so I made a payment. This scenario has continued for 2 months. At this point they are calling my elderly mother, harassing all my family members while I can't even reach them by phone, email or chat. 

I want a resolution that I asked for in my first attempt. They make no attempt to help me resolve my financial hardship. 
I'm not including my phone number because I will receive no help just endless harassing robocalls. 

XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian decreased my credit score XXXX points in XX/XX/XXXX after I had completely paid off XXXX bills. 

Experian agent XXXX informed that I made a late payment on my XXXX XXXX account in XXXX and XXXX. However, if any of my payments were late in XXXX and XXXX, then the decrease should have shown up during those times, not after I completed payments. 

Experian 's explanation does not seem plausible. Therefore, I will assume the XXXX decrease on my credit score in XX/XX/XXXX, was due to my complaint to them near the end of XXXX about displaying my student loan first and foremost on their report for my credit.

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 2021-02-26
Company: LD Holdings Group, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
At the beginning of XX/XX/2020 I was 'Conditionally Approved ' for a cash-out refinance loan with Loan Depot through Loandepot.com. The loan was conditionally approved within 3 business days. I was advised loan would close in 30-45 days and not to pursue any other debt financing during this period. My case manager became unresponsive after multiple emails after 30 days from the Conditional Approval indicating she was 'working on my file '. Only after multiple attempts to get answers, a call to customer service got her to review my file. On XX/XX/2020, she had me sign documents to initiate the 'closing of the loan ', I later learned that was actually done before my loan was given to the underwriting department. After multiple phone calls emails additional documents submitted my loan finally closed on XX/XX/XXXX -- The file was not handled properly and we were advised to sign blank forms and 'fill out forms during the closing '. On XX/XX/XXXX I was advised in an email to back-date a document in order to close my loan. On the phone I was advised I needed to do this or they would need to reschedule my entire closing again, however, I found this document in my file and did not need to do this ... XX/XX/XXXX XXXX I was informed in an email the closing documents are 'under review '. Upon the advise of my attorney I am filing a formal complaint for the questionable business practices I've encountered during the process. I can supply emails and documents on request. Based on recent posts to the XXXX and other online sources it seems as though Loan Depot is engaging in a pattern of deceptive business practices in order to cover for processing error in its system that are injurious to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Healthcare Management, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a wrong collection report was file under my name and address. I did try to validate the information throught cerified mail exercising my FDCPA Rights made persuant to 15 USC Sec. 809 ( b ) on XXXX XXXX of XXXX an agent of the company name XXXX signed reciving my validtion notice but is been 40 days and the 30 day period has expired and they havent been able to provide me with any proof of this debt neither they have remove this account from any of the credit bureaus ( XXXX, XXXX, XXXX ) and doing more research they dont have a valid collection license in the state of Colorado making this report not only invalid but ilegal. i would like to report this angency and make sure this false report gets removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
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 AM LITERALLY EXHAUSTED FROM DEALING WITH THESE TWO COMPANIES. I have complained and disputed and yet they continue to add false addresses and false social security numbers to my credit report. I wish they would just let my credit report be!

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 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX dispute is valid. I'm attaching original invoices from Hospital showing their collection is incorrect and want them removed immediately. Also, you have failed to mail me the results of your investigation. Hence, the reason it was being disputed. 

I want XXXX and Transunion to remove both invalid collections.

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 2022-03-02
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I on XX/XX/22 was paid XXXX dollars by my employer I only received XXXX dollars. Again today I was supposed to be paid XXXX dollars I only received XXXX. I have no child support or anything like that being taken out of any account so there is no reason for my checks to have been coming up short. I have tried to get the ach number from the bank. I have tried contacting my employer and pay role provider they have done nothing to help me get into my account to change my credentials to be able to change any of the information so that if it's something wrong with my direct deposit information to be able to change it. So the bank won't provide me with the information I need to be able to trace down my direct deposit and my employer and pay role provider won't help me change what's could possibly be wrong with it... I no longer have the phone number that my payroll it set up thru nor do I have the email it was made thru. I have relayed this and one will help me on either side. I feel like someone is doing some sneaky hints why they won't help me change the things that I need to be able to access my payroll information. I had a wallet stolen from me back in XXXX around the XXXX had my social, drivers license and every card I owned stolen.. so it's not like I can just go thru n try each card n see which one may have a $ XXXX on it.. to account for the two weeks I haven't received half my check. My bank is chime and my employer is perfect game inc. but we use XXXX as a payroll and hr. I just want my money that I haven't received. And to be able to get into my account on isolved and know where my money is going.. sincerely a hard working man

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am writing to express my concern regarding this unauthorized and fraudulent inquiry ( XXXX  XX/XX/XXXX  ) on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of this item, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate this entry. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2023-03-06
Company: Experian Information Solutions 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 had requested via letter by mail that this account be verified and I have not seen any proof from the bureaus that it was. I need all correspondence regarding the previous dispute including the data provided to you that this account is accurate. If your agency is unable to to do so, you need to remove this account from my credit report ASAP! 

XXXX XXXX  {$610.00} XXXX XXXX XXXX {$2300.00}

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
Consumer complaint received 2024-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I ask that late payments be removed Late payments- Privacy and consent

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 2020-01-28
Company: DISCOVER BANK
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 I contacted Discover Bank regarding an error on a custodial account for which I am the custodian. I became aware of this error when I receive a 1099 in the mail for an account that should not have one. Discover apparently backup withheld on this account even though they had a valid TIN for the minor and all the proper paperwork on the account. 

I requested that they reverse the transaction and correct the 1099 with the IRS. They refused. 

All that was offered was to credit the amount back to account as a " courtesy '' and advised me to consult a tax professional about how to handle the 1099. They claim there is no way to correct the 1099 error, which I find very difficult to believe. It is far more likely that they don't want to deal with the hassle for an IRS correction. To put the onus on me, to hire a tax professional to deal with this is absurd. They actually attempted to blame the situation on me for not noticing the very small withheld amount during XX/XX/2019 and said I should have reviewed my statements. Again, ridiculous. This is a custodial account for which I made a couple deposits each year as gifts to my niece. I trust that my bank will handle the account correctly and should not have to monitor for their mistakes. 

I am asking the CFPB to intervene and prompt the bank to make the correction they are responsible for. 

I did not upload a copy of the 1099 as it contains sensitive personal information and I am not certain of the data security over this communication. I have several custodial accounts for family members, so I will identify this as the account belonging to XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Block, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My {$4900.00} in the CashApp has been stolen by CashApp. I filed a complaint against CashApp with FDIC and yesterday FDIC responded that my {$4900.00} are held by a Financial Institution called Block Inc and that I should approach CFPB to recover my funds from Block Inc. My FDIC Case # is XXXX. My phone # is XXXXSee the attached response from FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I reported fraud to Bank of America as soon as I noticed the unauthorized ATM transactions. They froze my account and did not allow me to access remaining funds. I reported the unauthorized charges on XX/XX/2021. I have been told by BofA reps and supervisors to keep calling back every other day until the issue is resolved. In total I have lost roughly {$4200.00} that was my only source of income. They took every dollar and left me with nothing. Theyre debit cards are not secure and are vulnerable to fraud. I have not received any sort of help from BofA to resolve the issue. They will not allow me to file a claim or access my remaining funds. They have no time line for when the issue should be resolved or any sort of plan for dealing with enormity of the fraud they have on their behalf. I am disgusted and appalled with Bank of America as an Institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief