BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was informed by my bank, XXXX XXXX XXXX XXXX ( XXXX ), that Equifax is guilty of suppressing the due monthly reporting of my XXXX XXXX Credit Card the suppression of which was never authorized by the bank and certainly not by me. 

Subject : Account Balance hasn't been updated XXXX XXXX XXXX XX/XX/2021 : Thank you for your eMessage. XXXX XXXX sends your credit file to all of the major credit reporting agencies each month at the end of your billing cycle. Your account last reported XX/XX/2021. The card will report for XXXX after the billing cycle. The exact reporting date is unavailable. The account ending in XXXX is being suppressed by Equifax. You will need to contact Equifax regarding why they are suppressing your account. This is not something XXXX XXXX can correct since we never requested suppression. If you have further questions, please call our 24 hour, toll-free member service line at XXXX. 

Equifax XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX, XXXX XXXX, www.equifax.com Your Message XX/XX/2021 : Why has't my XXXX XXXX credit card balance been updated with XXXX, Equifax or XXXX  for the current cycle? In fact this card isn't even reporting on Equifax. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: OPORTUN FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Received a prequalified offer only to be denied by the company and have a credit inquiry charged against my score which O have been working on improving!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX  Account # 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-10-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2021 there was attempted fraud on my bank account, so I had to close it and I opened a new account with the same bank. The bank honored my auto payment obligations while I notified the credit cards of the changes in my account number. I evidently neglected to notify Care Credit of the change. When I received a call on XX/XX/2021 notifying me that my auto payment didnt go through, I gave them my new banking account information and made the payment of the full amount ( {$1300.00} ) using my new debit card. 
Somehow, Care Credit claimed they didnt receive my payment although my bank account showed they did. They required that I prove it, and I did. I sent them a fax with the form my bank gave me to prove payment. They acknowledged their mistake and I thought that was over. Then, my next payment of {$1400.00} did not go through and I called to see why. The agent had transposed the numbers in my bank account, so the payment didn't go through. I corrected their mistake and had them read it back to me to make sure they had it correct. Then they processed my payment. 
I tried to use my Sams Club credit card and it was declined. I had already seen that my Care Credit card had been canceled and I thought the agent had misunderstood me and cancelled it in error. I was told that the Sams Club card was cancelled due to fraud on the account.

My Care Credit statement showed interest charges and a late fee on it. I called and they reversed these charges. But, they told me my card had been canceled due to attempting to pay with a closed account. I have always paid my balances on time. I have done quite a lot of business with Sams Club and Care Credit. I have spent hours on the phone with my bank, with Care Credit reps and having to fax a document to prove your company mishandled the funds they collected on XX/XX/2021. 
It turns out Synchrony also handled my Lowes credit card. So they cancelled all three of my accounts. The reason was : dishonored payments on accounts with Synchrony Bank. So, I lost all my reward points on my Sam 's and Care Credit cards. This caused a financial loss. 
I have already sent them a letter dated XX/XX/2021 requesting they correct their error. Today I was read a statement they issued and filed with my account dated XX/XX/2021 that they stand my their decision. I imagine I will get a copy of this letter from them stating this.

I called to confirm they have the correct banking information for my final payment to Care Credit, but I am nervous that it will get mishandled again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home and refinanced an existing home with Dovenmuehle Mortgage Company. Both homes are on the same insurance policy. Dovenmuehle Mortgage then sold one of my loans to another company. Dovenmuehle Mortgage is still charging me for insurance on 2 houses, instead of one. Situation in numerical form : Cost of Insurance : {$4000.00} What Dovenmuehle is charging me : {$4000.00} What new mortgage company is charging me : {$2000.00} Therefore, I am paying {$6000.00} for a {$4000.00} policy. Dovenmuehle refuses to correct the issue and just keeps sending me a breakdown of my escrow account and assuming that I can't comprehend the purpose of an escrow account. 

Dovenmuehle Mortgage Company caused this issue, therefore, they need to fix this issue. They are wasting my time and my money. My mortgage payment has increased by {$800.00} per month because of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Accelerated Financial Solutions, LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today on XX/XX/XXXX I spoke with XXXX, supervisor, at Accelerated Financial Solutions. Her extension is XXXX. She advised she would have to reach out to another department to verify the account. This account charged off in XXXX and was placed back on my credit report within the last month. This is invalid. This account was bought by XXXX from XXXX. Not only are they doubling the amount owed, but reporting a recent charge off date of XX/XX/XXXX. This has impacted my credit tremendously. I never receive anything from this company in the mail, only the notice from the credit bureau via alert. This is very challenging especially in these times. Not only are they lying about the dollar amount, but they are lying about the charge off date. Also, they marked OK as status for XX/XX/XXXX through XX/XX/XXXX. This was an attempt to reactivate the account. They have no payment from me and definitely have no proof of payment. They did not even have the decency to advise me of the account purchase from XXXX. Very deceitful collection practices. Thankfully I keep all my past credit bureaus for instances such as this one. Please see attached credit reports reflecting deceitful collection practices and validating my statements. This account needs to be removed from all credit bureaus impacted. 
The company does not provide mailing address on site, but their website is https XXXX XXXX   Thank you for your assistance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: OH
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 am doing some follows ups and I have lost several 139 points due to unauthorized inquiries and errors. I need to be re-scored and get my points back on my Credit Fico.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: MN
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX  XXXX Balance Owed : {$840.00} ; XXXX XXXXXXXX XXXX Owed : {$7300.00} ; XXXX XXXXXXXX Balance Owed : {$3000.00} ; XXXX XXXXXXXX Balance Owed XXXX {$1700.00} ; XXXX XXXX Balance Owed : {$3400.00}.

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 2023-04-16
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX sent you guys a response and said to remove this inquiry from my report but transunion still has it there it should have been removed back in 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 2020-07-10
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had an offer sitting with the bank for over 36days regarding a short sale transaction. Amerihome/XXXX has responsed to come up on the offer to appraised value $ XXXX which which was done 36days ago. Need a decision on the short sale approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 
Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name XXXX XXXX XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2021-07-20
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contact Midland Credit Management to notify them about this debt. 
I received this letter dated XX/XX/2021, in which they keep on insisting that this debt is mine. 
I report them to the FTC and now to you. They claim that is a debt that I own and no action has been taken. 
I have explained that this was a fraudulent account that was open by someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I had two XXXX XXXX XXXX credit card accounts both with first date of delinquency being XX/XX/XXXX. XXXX XXXX XXXX asserts the first date of delinquency as XX/XX/XXXX. XXXX XXXX XXXX has agreed to remove this aged account from XXXX and XXXX. However, the refuse to correct the date with Experian. XXXX XXXX XXXX is attempting to reage the credit to extend to credit reporting period.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am the writer of this complaint and I found some inaccurate and incomplete information on my credit report. Aren't the CRA 's required by law to conduct a thorough investigation and DELETE all inaccurate info? I have attached letters and my ID and SSC to verify my ID

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 2022-10-06
Company: EQUIFAX, INC.
State: CT
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: Investigation took more than 30 days

Complaint:
Ive noticed a lot of unauthorized XXXX  inquires on my report. Some of the inquires are there more than once, I reached out to the companies that put the inquiries in and they told me to contact the three major credit bureaus. Ive done that and still have been getting the run around, this has been hindering me for s long time. The XXXX Department Of Education should not be reporting in my credit under 15 u.s code 168 1 ( 5 ). This account is in violation and is not reporting 100 % accurate, it list that The Department Of Education is the furnisher. Thats foregory and misleading. When the schools dont report this type of accounts. XXXX XXXX XXXX  should not be listed on my credit on report as well, Ive never did any business with that company nor did I authorize those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used XXXX to send money for the purchase of concert tickets. I used XXXX through my Bank of America mobile banking app and did not know the transfers could not be disputed if something were to happen. The seller received my money and said he was transferring the tickets into my name however I never received them. I have screenshots of our conversation. I also requested that he send the money back because the transfer never happened. He said he would then blocked me and never sent funds. I contacted Bank of America and they told me I could not dispute the charge. I can also show that the tickets he said were being sent to me were never in my 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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN I HAVE A FEW ACCOUNTS IN MY NAME THAT DO NOT BELONG TO ME IT SEEMS MY INFORMATION HAS BEEN COMPROMISED THE FOLLOWING ACCOUNTS ARE XXXX AMOUNT {$33000.00} OPENED XX/XX/2020 ACCOUNT # XXXX AND THE OTHER ACCOUNT IS WITH XXXX ACCOUNT # 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 2023-05-06
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Iresearched on how to remove the fraudulent items in my report and found that I need tovisit XXXX XXXX XXXX or https : //www.ftc.gov to file a report and Per FCRAsection 605b Credit Reporting Agencies are required to remove/block any items listed onan id theft report. Please find the ATTACHED documents to assist in blocking of theerroneous information which is being posted to my report. Here is the list of items that donot belong to me or were opened without my permission. XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX NY XXXX, XXXX NY XXXX XXXX NY XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifiesas information that resulted from an alleged identity theft, not later than 4 business daysafter 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 2023-04-16
Company: GOLDMAN SACHS BANK USA
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I called my credit card company to remove a restriction they placed on my account without my consent or knowledge. During the verification process to get access to my account the representative requested my private info ex ssn, DOB etc. I asked if I could be verified another way because I am not co comfortable with providing my private information and I was told NO there is no other way. I find this to be very disturbing and careless of the company. I do not want to be verified my by private information each time I call customer care. Id like to know what the rules are for verification process on a credit card company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a purchase on XXXX XXXX. They misrepresented what they sold me. I was sold an item as new. What came was not. When I tried to make a return with XXXX XXXX, they would not comply or work with me. After 2 weeks of run around, I filled a charge back with my bank. Since I can not contact XXXX XXXX  but my bank can, I requested they get me a return label so that I may make XXXX XXXX whole again. Two times now, the representative taking my report is appalled while taking my report, yet two times now the investigation is awarded in XXXX XXXXXXXX favor. The reason being that I still have their merchandise. I still have it because they wont tell me where to return it, or provide me a return label. My bank who is supposed to protect my money is agreeing that its ok that as long as I dont know where to return the misrepresented item, then they are correct in how the transaction is being conducted. This is beyond unjust.

Company response to consumer: Closed with explanation