BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
On XX/XX/2022, I went to XXXX 's XXXX in my town, in order to replace my member 's card. The employee that helped me about my card, offered me a free credit card. I asked some doubts about this issue and one of the questions that I asked was ; How this offer will affect my score in my credit?. The XXXX XXXX XXXX 's employee informed me that maybe the points will be just about 2 or 3 points. And she also told me that getting a credit card will help me to improve my score. In addition they offered me a {$30.00} of credit in my balance statement if I opened an credit car account. The information that she brought me, I believed that were truth and corrected ones and then, I accepted to apply for the credit card. She asked me about my personal information to apply and she told me that the bank XXXX XXXX XXXX  ) approved my credit limit of {$1000.00}. This credit represented a personal XXXX 's XXXX credit card. This credit if for shopping in this store and XXXX only. Also she told me that in 3 months I could apply for a master card credit, if I use well this credit. 
THE PROBLEM WAS, I received an email from my XXXX XXXX, indicating that my score changes in XX/XX/XXXX. When I logged in my account, I saw a HUGE SURPRISE!!!! MY SCORE WAS DOWN FOR XXXX POINTS, in Transunion credit bureau because of this credit card application. I make a phone call to Transunion and they told me that for this issue I had to contact the business. Then, Today ( XXXX XXXX ) I went back to XXXX 's Club and talked to an Supervisor about what I found in my credit score and I wasn't please for the XXXX XXXX that were down and I tried that they fixed this issue in my credit report because one of their employee disinformed me and for this disorientation caused this issue. The supervisor informed me that they could not fix this, that XXXX XXXX  is the entity that could help me. She make a phone call and I talked with a representative of this bank and she also indicated that they neither could do anything about this reduction of my score. She said that I have to call Transunion, in order to ask them, Why they down my score by XXXX points for this transaction?. For this reasons I want to submit a complaint, because I trusted the XXXX 's XXXX 's employee about the offer of the credit card that she informed me and observe what happened, instead of help me to improve my score, it gets worse because this application. FOR ME ITS NOT FAIR THAT THIS HAPPENED TO ME. 
I was very aware about my good score in my credit. Please, I need you help because I want to know how am I could fix my score?. Thank for your time and I hope you can help me in this issue.

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 2023-04-26
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer report. XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. 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 2021-07-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/2021 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/2021 -Unauthorized inquiry by Identity Theft

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 2018-02-15
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the debt collector many times requesting a bill or explanation of the debt in which they are stating that I owe. The just continue to tell me that they are not able to provide this to me. I last spoke to XXXX at collection consultants and she stated they could not provide me anything besides telling me that I owe money to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: GOLDMAN SACHS BANK USA
State: WA
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:
XX/XX/XXXX, I contacted a company to quote a bathroom named Washington XXXX XXXX XXXX XXXX, also known as XXXX XXXX Specialists. The company took my money but didn't provide a service. 

XX/XX/XXXX, after trying all avenues to get company to refund me, and them blocking me I filed a dispute with Goldman Sachs APPLE CARD. 

And I have continued to dispute the transaction SINCE that date, its now XX/XX/XXXX. I am a 100 % XXXX veteran, and Apple Goldman Sachs has not only violated the ADA, but also the 1974 Fair Credit Act. I feel discriminated against, as I've told Goldman Sachs multiple times I am a veteran on a fix income and can prove my XXXX status, yet Goldman has never once been able to call me back, follow up in a timely manor in the times I requested, which is broad ( Simply between XXXX - XXXX XXXX standard time ). Yet, they call me outside these hours, leave voicemails that just direct me to call back the same old number. The customer service is the worst I've ever dealt with, with never ending gate keepers who don't care or know your issues and simply answer without any research. 

I do NOT owe this debt, the company whom cheated me is being protected by goldman Sachs, Goldman Sachs knows my XXXX status and didn't provide any aid to me. I am 100 % in the right, and have kept all text messages and exchanges. 

My credit history is flawless, no missed payments. I am not trying to avoid a debt or some other silly reason, I simply have had MY money stolen, and Goldman Sach chooses to aid and abide a criminal company whom has over 35 complaints with the WA state Attorney Generals office, which Goldman Sachs ALSO knows about, as I've submitted before.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please do something to end Goldman Sachs horrible, selfish, and irresponsible practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-09
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
this complaint is against XXXX XXXX ceo of apple and his company, apple. 
i purchased with 2 credit cards an iphone at an apple store.the phone is beset with problems, doesn't ring when called and changes typed text messages in both english and XXXX and changes many of the words typed into other unintelligible words and makes the messages either extemely confusing or worse yet they can not be understood by the receiver. 
i took this problem to the apple store where i had purchased the phone from the store manager ... the clerk " helped '' me putting out a minute of time and expertise with instructions that i carried out in front of her.she said both problems were fixed, i said thankyou and left.the situation was unchanged.i decided to return the phone and activate my broken screen, XXXX XXXX phone, that the only thing wrong with it was a broken screen from me dropping it on concrete ... .however it still worked. 
after the XXXX  store to activate and deactivate, i went to the apple store to return the phone.they accepted the phone, erased everything on i, t and gave me the two slips that are attached ... .they said " everythings done '', i said thanks and left ... that was in business hours before XXXX yesterday XXXX XXXX 
today, there is no indication of a credit transaction pending on either credit card for the refund of credit..they have my phone and i have nothing except the slips of paper for a refund of the XXXX made junk product that violates all of california 's implied XXXX law regarding this disheartening transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 Bank of America has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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. 

The letters are stated with items and issues. 

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 non-monetary relief
Consumer complaint received 2023-06-09
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I mailed our first payment for our new home on XX/XX/23 for a due date of XX/XX/23. As of XX/XX/23 the payment has not been deposited by then yet and they now state I need to mail to a different address then the one I was provided at closing but I do not have any confirmation that this new address is correct. I tried to call and they hung up on me 8 times and they when I got to somebody they transferred me almost instantly. They then said they could not locate my loan, then transferred me 5 more times and still had zero information. I sent a second payment via certified oak on XX/XX/23 and that was delivered XX/XX/23 but also has not been cashed as of yet. They have also not paid my insurance company out of escrow as of yet even though I paid {$440.00} at closing into that account. They refuse to help me and refuse to take my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I purchased a cashier 's check from my Bank XXXX Bank of America XXXX in the amount of {$400.00} and paid {$15.00} for the check. This check was made out to the Oregon XXXX with the note " Plate Transfer and Registration renewal. '' I sent this check, the registration documents along with a letter to my car loan lienholder ( also Bank of America XXXX with instructions to send all of this along with the title in their possession to the Oregon XXXX to process the registration. They complied except they did not send the cashier 's check. Instead they took the check and cashed it against my vehicle loan. I was not defaulted on my loan and in fact was ahead on payments. For the next XXXX months a Bank of America representative called me weekly asking about the progress of my registration. Both the XXXX and I were at a loss about where the check had gone until we uncovered the above. I can't describe what the bank did -- -cashing a check made out to the XXXX  for themselves -- as anything other than check fraud. They also had me pay {$15.00} for this check on top of it, and delayed the registration of my vehicle.

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
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: OR
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:
Early XX/XX/2023 a line of credit was taken out in my name from a bank ( XXXX  ) in XXXX, NY for approximately {$21000.00} ( I've never been to XXXX for the record ). I use the phone app XXXX XXXX, and on XX/XX/2023 it reported that unusual activity had occurred that was affecting my score. I discovered a total amount accrued was around {$20000.00} and the account was closed out. I immediately reported this error/fraud, by disputing it with XXXX, Equifax and XXXX and froze my line of credit with each of the credit trinity. XXXX and XXXX quickly remedied the issues and my score bounced back to somewhat normal. After 4 or 5 different dispute submissions, EQUIFAX seems to drop my score every time I submit a dispute with them after saying they investigated and the case is closed. My score was XXXX, then the fraud. New score approx. XXXX, I reported the issue, 2 days later XXXX. I waited 2 weeks, still XXXX. I disputed again, dropped XXXX. Disputed again, dropped to XXXX disputed again now we're at XXXX. I really need help, I have been waiting to resolve this to get an auto loan and Equifax is apparently terrible AND I want to report that since I reported the dispute the first time, EQUIFAX has been sending me solicitations for their " premium membership '' which rings of coincidental extortion to me. 

Recently I spoke with a friend that is a Mortgage Broker and he directed me to this website/portal. So now I am here!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
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 called the XXXX after I purchased a credit report with XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complain and hoping that this 5/3 BANK NA XXXX Late payment XX/XX/XXXX, XX/XX/XXXX, 30 days late will be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Many times within the last five years I have disputed this with portfolio recovery associates. I have asked them to prove that I owe this debt. All they sent me each and every time was four pages that showed amounts from $ XXXX- {$1600.00} which I disputed. I asked portfolio recovery on many occasions to send me from day one anything that shows that I purchased something, a signature card where I had signed for something. They have not provided me any information that I have asked for. And the funny thing is I asked them on XXXX XXXX XXXX and they had an answer for me on XX/XX/2021. Even though I dont owe this amount of money I have offered to settle with them for {$500.00} if they are willing to take this off of my credit bureaus all three and they have refused. My complaint is that they are not thoroughly investigating Any of the debts that I owe. That is my complaint and if I dont get this resolved by you Im taking them to court and I am suing them for XXXX figures through my attorneys XXXX and XXXX. They have ruined my credit reputation, they have not done their legal fiduciary responsibility and Im sick and tired of calling them and have them being rude to me telling me that theyre going to sue me at threatening to sue me and they never do so I hope you people can certainly help me out. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: SC
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 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief