BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2019-10-31
Company: GUARANTEED RATE INC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
What is this complaint about? 
I'm getting a refinance with GuaranteedRate. 
What type of problem are you having? 
They sent me an email saying " Your refinance loan is Clear to Close, meaning the Underwriter has signed-off on all documents and has issued a final approval '' What happened? 
I began the refinance process on XX/XX/2019. I contacted GaranteedRate and was in touch with XXXX XXXX, Mortgage Specialist XXXX O : ( XXXX ) XXXX - F : ( XXXX ) XXXX. I have been going through the whole process and signed the loan commitment papers. my Closing date was suppose to be XX/XX/XXXX. XXXX also mentioned that he had to go out of town, because of a family emergency. On XX/XX/XXXX XXXX sent me an email saying I was clear to close. The following week ( XX/XX/2019 ) I called numerous times and sent text and my call was never returned. I continued to call and when I didn't get an answer, on XX/XX/XXXX I called XXXX XXXX, Loan Coordinator, XXXX O : ( XXXX ) XXXX -she said she would try to get in touch with XXXX and have him call me back. Two days later XXXX  called to tell me that the program that I was approve for was suppose to be discontinued on XX/XX/2019 but he was informed that it was already stopped. Which doesn't make sense, if it was why was I given the clear to close? Finally on XX/XX/XXXX XXXX sent me a text saying " Hey XXXX, I just tried to give you a call. We just got the word from upper management that we will be denying your loan due to program unavailability. Your credit card has been refunded as well today. I'm sorry I was not able to get this done for you. '' What can I do about this whole situation it seems to me that they drop that they dropped the ball on this loan, and now I have to start the process all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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:
I sent letters to Experian, XXXX XXXX XXXX XXXX and I still haven't received anything back. I am in the process of purchasing a house and this damaging information is interrupting the process. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX They have 30 days to respond to my disputes. This is a violation of my rights. I contacted all accounts listed below and requested for the original contract from creditors. 

I received no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off reports. Also accounts are incorrect and are displaying balances when they should be XXXX If accounts are supposed to be closed. 
Of which is a violation.Please reinvestigate accounts below and delete this incorrect information or accounts from my corresponding reports. 

Since no response was received all accounts should be deleted Immediately. 

Accounts that need to be investigated and deleted promptly : 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- Inquiry I didn't authorize XXXX XXXX XXXX XXXX XXXX Inquiry I didn't authorize XXXX. XXXX XXXX XXXX Inquiry I didn't authorize. 

Also ONLY thing that should be present on my credit report when it comes to my personal information is the following correct information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Employment : None Violations are below : 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 1681 ( b ) Permissible purposes of consumer reports. 
Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

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. 


If any of the purposes are not present please investigate and delete 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 non-monetary relief
Consumer complaint received 2019-10-31
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have an existing credit card with XXXX / Comenity Capital Bank. In XXXX of 2019, it had a balance of {$600.00}. In XXXX, I opened a credit card with XXXX XXXX because it had favorable interest rates on balance transfers. I completed a balance transfer from my XXXX XXXX card for {$600.00} to XXXX / Comenity Capital Bank in early XXXX. On XX/XX/2019 I received verification via mail from XXXX XXXX that confirmed that a wire was sent to XXXX / Comenity Capital Bank. I called XXXX XXXX and confirmed that a wire was sent to XXXX / Comenity on XX/XX/2019 for {$600.00}. Comenity Capital Bank never credited my account. I had to call them multiple times to request them to look into why I never received the credit while at the same time, paying the minimum amount each month on an amount that I no longer owed so that my credit would not be affected negatively. After gaining no resolutions amid trying to work with XXXX / Comenity Capital for 2 months ( I was told to wait and see if the balance would update since it probably had not been processed yet ), I filed a formal dispute in XXXX and the gentlemen on the phone asked me to upload documentation showing the balance transfer. I had to find the documentation from XXXX XXXX and when I was going to upload it, I received a notification ( this was < 30 days ) that my dispute was closed and they could not verify my balance transfer. I called back and re-opened another dispute and uploaded the documentation and I was told that they would look into it and credit my account. I didn't hear back from XXXX / Comenity after I spoke with the Customer Service Representative. It was only after I told them that I filed a complaint with the FDIC and gave them the reference number that I finally heard from their customer service department and they said that they were looking into my dispute and would not collect payments on the amount while they looked to see if they could approve my dispute. It has been almost 5 months and they still have not credited me the amount that I owe and I am making monthly payments to ensure my account does not report as delinquent on my credit report and also paying XXXX XXXX payments, so in essence, I am paying on 2 balances for the same amount, and XXXX owes me the credit of the balance transfer, as well as the monthly payments that I have made since XX/XX/2019 to current ( as of the date of this filing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This isnt my debt my identity was stolen and Ive been trying to get this removed from my XXXX report and they will not remove it, they dont have proof and they wont remove it.

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 2019-10-31
Company: BARCLAYS BANK DELAWARE
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:
Barclay has been allowing unauthorized charges to my credit card. 

In XXXX, my credit card expired. I called them to cancel the card, they refused and instead downgraded the card to one without an annual expense. 

In XXXX, a company had charged the card that had expired in XXXX, despite not being authorized to do so. When I called to dispute why Barclay 's authorized a charge to a card that expired in XXXX, they said that they do not care about if a card is expired and will continue to charge that and other cards associated with the account, even if the merchant does not have any active or correct information. Barclay 's will simply search for any other account in that individual 's name and attach a charge to that. 

Barclay 's has blamed me, because I did business with that vendor once over 2 years ago and that I should have anticipated that they may charge me again in the future whether it was authorized or not.

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 2022-11-22
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am writing to request a correction of the following information that appears on my XXXX, XXXX, and TransUnion consumer report : I began as a co-signer on a loan with XXXX XXXX XXXX on XX/XX/XXXX and continued to make payments until the car was repossessed in XX/XX/XXXX the car was then sold and written off from a balance of@XXXX to {$16000.00} i then entered into a verbal agreement with XXXX XXXX XXXX to continue to make monthly payments to of {$200.00} dollars monthly on the account and have done so as we agreed for over a year. The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time as per the agreement with XXXX XXXX XXXX. I have contacted XXXX, XXXX, and TransUnion and filed disputes via email as well as certified mail with no help.

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 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 reports no consent is fraud.

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 2019-04-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine. Experian has placed this on my file and has serious affects on my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 

XXXX XXXX .... 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
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:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following hard inquiries. 
I allready tried to resolve it with the company, but they will not deleted those inquiries. 
XXXX XXXX XXXX on XXXX XXXX, 2019 runned my credit report when I just asked them what they can offer to me. I was never told that thay will make inquiries. I want you to investigate this with 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 2023-03-30
Company: Experian Information Solutions 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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/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 2020-08-04
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$0.00} XXXX XXXX {$300.00} XXXX XXXX {$12000.00}

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have been sending reports and made it clear I was identity thefted. They have ignored every report, every dispute over 100x, complaints, disputes and reports all ignored. 
I am being Discriminated against, for my color, my XXXX, my gender, my Sexuality, my age. They have caused me to be homeless for over two years now. I am filing civil 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 2018-03-29
Company: EQUIFAX, 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:
On XX/XX/2017 XXXX XXXX XXXX ( account # XXXX ) appeared on my credit report with a balance of XXXX ( I am disputing this item ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: BARCLAYS BANK DELAWARE
State: CA
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:
Regarding XXXX payments made on Williams Sonoma Credit Card issued by XXXX Bank which was originally Barclay Card. Payments which have not been reflected in the statements issued to her and in the outstanding balance due. In XXXX Barclay Card was William Sonoma credit card company they used. In XX/XX/XXXX Barclay Transferred to XXXX Bank Card. Since XXXX all payment were made the same way. 

XXXX {$1000.00} Payments were made from XXXX account XXXX and account XXXX to William Sonoma and William Sonoma states they did not get them! WE are missing {$5000.00} or so XXXX  bank states! XXXX payments in the amount of {$1000.00} each were made to XXXX Bank ( The same way each week via bill-pay from XXXX bank for XXXX past XXXX plus years ). Each week a payment of {$1000.00} was made. Each payment was electric from XXXX to XXXX some way for the last XXXX  years NO changes! It is set-up automatically for weekly payments. I noticed that my payments were not posted, so I called XXXX Bank and they stated I did not make the payments. I called XXXX Bank. XXXX Bank and I called XXXX Bank and once again they stated the payments were not made. XXXX and I both sent back-up 's of the payments totaling over {$5000.00} that are missing and they still state the payments were not made. XXXX stated since no changes were made to the payments for the past XXXX  years they could not help me ( basically since I sent the payment the same way for the past XXXX  year with no changes electrically no fraud was found ). Below are the payments that are missing XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. We Believe the funds went to the old Barclay account ending in XXXX and are sitting in limbo after doing a thorough audit.

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 2018-05-14
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
For the past 5 months I have not been able to pay this loan through the banks online portal. I have to either call every month or go to a branch. When calling I am placed on hold for 15-20 minutes and I have to pay a fee to pay the loan. If I got into a branch I have to drive 20 or so minutes just to get to the branch. I have called the bank around 10 times and spent 10-15 hours on the phone with them trying to address these issues. The best answer I get is " our system just won't let us do that. '' There has been no talk of a resolution and literally no help whatsoever. I was given a personal email of a employee who I should be able to contact and they will take care of this personally. However, that employee does not respond to any emails. I was specifically told I could pay this through their online portal. This loan renews every year. This is the 5th year I have had it. Every single payment before this year was made through the online system. The trouble I have to go through to make this loan is almost preventing me from being able to make the payments on time because I have to set aside about 1 hour to do it. Either 1 hour waiting on the phone and convincing them that I shouldn't have to pay the fee OR going to the branch and doing the same thing.

Company response to consumer: Closed with explanation