BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 noticed some activities on my report. I already have a fraud alert on file. I called to ask them why is it taking 5 months to complete the inquiry. I was told by the agent that they couldn't help me. After five months of trying to get my report corrected and updated, the agent asked me again after I already told him, the police report was filled, I contacted the original creditors and I was told to call each bureau directly. I did that, and Transunion said and I quote " We can't help you. ''

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 2022-03-11
Company: Southern Management Systems Inc.
State: MS
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:
Someone is using my information for apartment leases and try to open a credit and also trying to get loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My payments have been incorrectly calculated since at least XXXX. This is because of a myriad of problems, including but not limited to an incorrect calculation under the IDR plan. My current IDR plan was supposed to be in place for XXXX, and by their own notification I should have known the new payment by no later than XX/XX/XXXX, but I have yet to hear what the new payment will be under the new IDR plan. I have tried to contact them multiple times, but the company has never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an item for on XX/XX/21 for {$110.00} from a company named ledger. I wanted to return the item and reached out the vendor after receiving the product. I was advised the item needed be sent to XXXX for a refund within 14 days. I got a shipping quote that was about {$120.00}. I reached out the vendor and requested they provide me a XXXX address to return the product as it wasnt reasonable to pay more to return a product than it cost to purchase. They declined to provide a XXXX return address even though it was shipped to me from within the US. This company has an unreasonable return policy so I wasnt able to get my money back or return the item. 

The terms of my card agreement with Apple/Goldman sach state that If I am dissatisfied with the product or service I may have the right not to pay I filed a dispute with my Apple Card/Goldman Sachs. They ended up siding with the vendor vs me from the dispute as I didnt return the product even though I provided them with the facts of the vendors return policy. 

I disagree with their decision and have demand they either refund the {$110.00} plus any interest or use arbitration as outlined in the card agreement. They have refused to provide a credit or proceed with arbitration as outlined in the card agreement. Ive reached out them 3 times to no avail. I was even told by one rep in a chat that the card offered no consumer protections. 

I would like to have the {$110.00} plus interest refund to me or proceed with a third part arbitration through JAMS at Goldman Sachs expense as outlined in the card agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: U.S. Auto Sales Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. The Merchant ( U.S. Auto Sales, Inc. ) presented the MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACT ( Exhibit A ) with false and misleading terms and conditions to obtain a security interest in the motor vehicle, insurance policies and proceeds, and other financing contracts for service or insurance, as the Merchant failed to disclose and/or apply the amount of credit extended to me, the Affiant, from my open-end consumer credit plan. The Merchant made completely false representations of the amount of the alleged debt, and fraudulently collected the incorrect amount.

2. Consequent of the willful and knowing failure of the Merchant to properly compute and disclose the Finance Charge, Merchant made patterned and continuous unauthorized use of fraudulently obtained credit card data ( Exhibit B attached ) ( for charges exceeding the Finance Charge by {$17000.00} ) as evidenced in both MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACTS & Payment Ledgers ( Exhibits A-D ) using the same false and misleading language and practices to obtain money while retaining an inequitable security interest in the motor vehicle. 
3. The Merchant failed to include the insurance premium in the computation of the Finance Charge, requiring the Affiant to purchase insurance coverage out-of-pocket in order to take possession of the secured motor vehicle, further coercing more fraudulent and unauthorized collection and voiding the contract. ( Exhibits A & B ) 4. The Merchant collected a cash amount of {$2000.00} as a fee or charge, incidental to the principle obligation of the Finance Charge without obtaining express authorization. ( Exhibit A, page 2 ) 5. The Merchant regularly threatened to take non-judicial action to effect disablement of the motor vehicle without a present right to possession of the property claimed as collateral, the motor vehicle, as the motor vehicle was equipped with a disablement device ( starter interrupter ) that was programmed to disable the motor vehicle even after the Finance Charge was fully paid.

6. The Merchant did not apply any credits for the Amount Financed, to my payment schedule. ( Exhibit B ) 7. Affiant became aware of these Federal violations on 08/16/2021 during correspondence with the Merchant to request purchase records ( Exhibit E ), and corresponded for resolution on 08/18/2021 ( Exhibit F ).

An Affidavit is being sent by Notary Presentment to the Registered Agent, and Certified Mail copies of the notarized documents are being copied to XXXX XXXX, the CFO of the Merchant company, as well as electronic communication to the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved and could not receive XXXX-internet service in my new address. I continued with the XXXX XXXX service and discontinued my services with the Internet. However, XXXX-internet services were not canceled and they continued charging it on my XXXX account. I was not aware of these charges until I was reviewing my account. They charged me for approximately 8 months at {$60.00} a month and on top of that also charged my interest and late fees. I have spoken to their representative who continues to tell me that XXXX reimburse me ( false ) and that I had to pay them {$470.00}. This is extremely unfair and unjust, I do not owe them anything and in fact, they awe me for charging me fee for no service. As they continue to state that I owe them money, I was and am still up to date on my XXXX XXXX  bill, ( of which was combined with internet service ). 

In short, I am owed {$480.00} plus all the late fees and misc charges to my account. The representative admitted they owed me money, but that is when they hang up on me. I have called several times and have put on hold and transferred around. This is frustrating, I am attaching my last statement from XXXX XXXX XXXX for account number 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 2023-02-06
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Please refer to my previous claim with reference number XXXX and here are some of the evidence from the mortgage lender missing payments as result of late or fund misplaced by the 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 2019-08-07
Company: Experian Information Solutions 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:
The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX XXXX XXXX and 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 2017-12-21
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: Their investigation did not fix an error on your report

Complaint:
Beginning XXXX/XXXX/XXXX, and subsequently on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I mailed notarized and certified handwritten letters to the 3 Credit Bureaus. Requesting verifiable proof of the following accounts on my credit reports. Acct # XXXX, reported by XXXX XXXX, unverified late payment. Another Acct # XXXX, reported by XXXX XXXX, unverified late payment, and Acct # XXXX, reported by XXXX, unverified late payment. For 3 months now I have been disputing these items. However, they have failed to provide me with ANY physical documentation or verifiable proof that I requested under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Nor the method of verification as required under Section 611 ( a ) ( 7 ). Otherwise, anyone could electronically respond with a fraudulent account resulting in an inaccurate credit reporting. 

XXXX and XXXX continues to violate the Fair Credit Reporting Act, failing to provide the verifiable proof I am requesting. Instead, they ask that I submit another dispute only to stall and delay for another 30 days to only reply that the inaccurate information was verified. Equifax, however, will not even respond. I called Equifax and they informed me that they were responding through email with the results of their investigation. The problem with this is that I 've never given them an email or corresponded with them through email. So who knows where they are sending my personal information. Even after bringing this to their attention and asking that they only contact me through mail, they continue to communicate through emails that I am not even aware of. I 'm requesting EquifaxXXXX XXXX and XXXX to promptly remove the inaccurate and derogatory information on my credit report under Section 611 ( a ) ( 5 ) of the FCRA since after almost 90 days, they have been unable to provide me any verifiable proof. 

For example, on my credit report, XXXX shows that I am current on all payments and one month later I am 90 days late? Yet, the credit bureaus have done nothing to help resolve these issues. Instead, they have been using third party electronic systems to send an automatic response that things like this are verified. 

Due to their neglect and unwillingness to resolve this matter, I have suffered financially by not being able to obtain credit, and has caused strain on my relationship with financial institutions and mental anguish. I am requesting a settlement of {$1000.00} for each of the accounts that each Bureau has reported deliberately and incorrectly and that they immediately removing and correcting all items within my credit report that they have not veried through physical verification and method of verification in accordance to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I took a HELOC out in XX/XX/XXXX. I unfortunately could not pay it off and the last payment I made was in XX/XX/XXXX. The credit bureaus are showing all different dates for the date of charge off, they are showing an increasing balance every month from then until current. It looks like the credit union changed the account number so there is some confusion there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
This is inaccurate and should not be on my report A company has gotten my medical report, I did not give permission for them to have it nor did I sign for them to have it. This is a violation of my rights.

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 2021-06-10
Company: EQUIFAX, INC.
State: MI
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 - I GOT A POLICE REPORT FOR IDENTITY THEFT FILED A IDENITY THEFT CLAIM ON XXXX FROZEN, BLOCK THIRD PARTY COMPANYS. UPLOATED DOCUMENTS ONLINE/ XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Been turned by different companies unable to identify my identity ND fraud alert

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXXXXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : DPT ED/XXXX # XXXX, Account name : DPT ED XXXX # XXXX, Account Name XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX 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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2019-09-06
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I went to a doctor on a referral from my primary doctor. The referral was issued so it could be billed to health insurance. The doctors office did not submit in a timely manner so it was rejected. The doctors office send to collections with out trying to resolve first. I never was contacted over the matter by doctors office or collection. I see it on my credit report and call ASAP. Did not try anything to help. Because of a lazy doctors office and a scammer collision agency it gets charged off and credit ruined when the bill would of been paid in full. No penalties to any one just the me. Please help me resolve this. I should not be punished or anyone in this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am a long-time customer of Bank of America. I had an issue a while ago where a {$1600.00} charge that I disputed got placed back into my account, which brought it to a negative balance. Due to my overdraft, on XX/XX/19 my XXXX-year-old daughter 's bank account was debited for {$220.00} leaving her with no money. Currently, she is away in another city and state for the summer. My name had to be on her account when she initially opened it due to the fact that she's a minor, but she is not financially responsible for the overdraft. I've tried speaking with customer service to no avail. I have even emailed the CEO. At this point, I am at a complete loss. My child is now out of town and does not have funds to provide for herself. The money was money that she worked for by XXXX, etc. I am far from wealthy and I'm currently unable to send her money at this time. 

I am fully aware of the bank 's ability to " offset '' money to cover a balance. I don't see how it's fair to penalize a XXXX-year-old by drafting their account and leaving them stuck with nothing. My goal is to get the {$220.00} that was removed from her account returned.

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