BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.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 2022-02-01
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX APPLE ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by APPLE On XXXX applied for The Apple Card. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : XXXX. 15 U.S Code 1642 2. 15 U.S Code 1681M XXXX. XXXX2 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. Apple should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX L Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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:
I am a victim of identity theft and i was trying to refinance my car on XX/XX/XXXX at XXXX XXXX XXXX, but I was declined because there is two ( XXXX XXXX XXXX XXXX XXXX ) accounts reporting badly on my credit report that do not belong to me. I was unaware of these accounts until XX/XX/XXXX because I never applied for these loans. My personal information Driver 's license and Social security card among other personal belongings was stolen from my home on XX/XX/XXXX, which a police report was made from that incident. Someone opened these accounts under my name and personal information without my consent or authorization. I filed a police report for this identity theft with XXXX XXXX XXXX XXXX as its an ongoing investigation, no arrest have been made yet. I never received any money, goods, or services from these accounts and I need these accounts blocked from my credit as they are a direct result of identity theft. All my statements are true and correct to the best of my knowledge.

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 2022-08-16
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After 11 years with XXXX, they transferred my loan to Carrington Mortgage Services on XX/XX/XXXX. XXXX services my loan from XXXX. In those 11 years, I was late only 2 times in XXXX. I received a letter from XXXX dated XX/XX/XXXX informing me that they were canceling the MPI requirement on my loan and beginning XX/XX/XXXX my monthly mortgage payment would {$1000.00}. They also performed the last escrow analysis on XX/XX/XXXX, right before the transfer. In that analysis ; my monthly payment went from {$1000.00} to {$1000.00} - a {$53.00} per month savings for me. Lastly, during those 11 years, XXXX performed an escrow on my loan ONE time per year. 

Now that Carrington is servicing my loan, I am so afraid of losing my home. They performed 3 " Annual '' escrow analyses XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) ; my payment went from {$1000.00} to {$1100.00} in one year - {$100.00} more! 
XX/XX/XXXX - it went from {$1000.00} to {$1100.00} XX/XX/XXXX - it went from {$1100.00} to {$1100.00} XX/XX/XXXX - it went from {$1100.00} to {$1100.00} This is more than I was paying prior to the MPI being removed. In addition, Carrington is NOT showing the XX/XX/XXXX Escrow Analysis in my document history. And on XX/XX/XXXX I sent them an email asking why they performed so many escrow analyses when they had only been the servicer of my loan for 1 year ; they DID NOT respond. 

I bought my home in XXXX. Initially, I had an adjustable-rate for a couple of years, but when XXXX XXXX became the servicer in XXXX I changed to a 30-year fixed-rate, my home would be paid off in XXXX. Carrington has my maturity date listed as XXXX/XXXX/XXXX - 8 additional years. 

Currently, I am in XXXX forbearance, but want to refinance my home when it ends. Carrington is the 4th servicer ( XXXX XXXX Mortgage was the first ) and my loan payment has NEVER adjusted 3 times in one year. At this rate, I am afaid that I will not be able to afford my home ; I do NOT want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: DISCOVER BANK
State: CA
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 placed an overseas order for some products I needed on XX/XX/XXXX. The total amount spent with this company was {$370.00}. They were supposed to be shipped and it never takes longer than a month to get stuff from XXXX. On XX/XX/XXXX the seller emails me and tells me the warehouse sent me the wrong goods during the shipment. I told them that would not work, I had order 25 of these certain cups for a project. On XX/XX/XXXX, I contacted the seller because it had now been two months and I had not received my shipment. The seller lied to me and told me that they had shipped on time and gave me tracking numbers for XXXX and I contacted XXXX and they told me they created a label on XX/XX/XXXX but did not give XXXX the package. They lied and said they shipped on XX/XX/XXXX. So now this was explaining why they were so late. So the seller told me he would refund the items sent by mistake and I told them since I haven't received the order to cancel it. He refused to cancel it. He said after I received the products that they will refund the money for the wrong items sent. I said no, I need 25 of the same cups for a reason and now I only have 15. He then reiterated that the 10 were going to be free and he would return then all of the money of the 15 glowing cups to me as well. So I made other arrangements to fulfill that order on what I needed because he assured me he was refunding it. When I received the cups on XX/XX/XXXX, over two months later, not only did it confirm he sent the wrong cups but he also didn't include the straws I need for the cups. The other two sets were okay. So I requested my money back for the ones he assured me he was refunding and then since I have them, they refused. So since I received the wrong products, I uploaded all of our conversation to Discover and requested the partial money back that they promised me. Discover refuses to back it's customer even though I gave them every statement where he said he would refund my money. Discover should support their customers. I wasn't asking for a full refund, I was asking for what they sent and didn't send that was wrong and what they promised to give back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I started the process of removing PMI from my mortgage on XX/XX/XXXX. I am currently in Chapter XXXX bankruptcy since XXXX and Wells Fargo is aware of my bankruptcy. My home mortgage payment is excluded from the bankruptcy payment through the trustee and my trustee has advised me to make the mortgage payment outside of my bankruptcy case. I have consistently being making my mortgage payment on time and never in the rears. 

Wells Fargo advised me that I can either ordered for a formal appraiser which cost {$500.00} or BPO ( Broker Price Opinion ) which cost {$200.00}.

I ordered for a BPO, paid {$200.00} and the check was cashed with the inspection completed on XX/XX/XXXX. Throughout the entire process, I made several calls to get update. The representatives have been consistently telling me that my home value qualifies me for the removal of PMI and I should receive a letter in 10-14 business days with the adjusted monthly mortgage payment that reflects the removal of the PMI. 

On XX/XX/XXXX, when I called Wells Fargo, I was informed that Wells Fargo can not proceed with the removal of the PMI despite my property value being appraised at the value that qualifies me for the removal of PMI. My attorney has advised me that bankruptcy does not preclude me from the PMI. Wells Fargo escalated my case and told me that they will contact me within 24-48 hrs and as of today ( XX/XX/XXXX ), I have not received anything from Wells Fargo. 

I called again today ( XX/XX/XXXX ) and spoke to XXXX ( XXXX ) XXXX XXXX XXXX regarding my case ID XXXX. She told me that she can not speak to me without my attorney 's authorization which is ludicrous. My mortgage payment is not managed by the bankruptcy trustee and I have been making the payment independently and they shouldn't have to get authorization from bankruptcy attorney to speak with me. 

As of today, there is still no resolution and Wells Fargo has taken {$200.00} from me without any resolution.

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 2018-08-06
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 fraud alerts or security freezes

Complaint:
I never requested nor approved an extended fraud alert to be on my reports and all 3 have it. 
I want it removed Ive requested over 3 times for the bureaus to remove and they have 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 non-monetary relief
Consumer complaint received 2022-08-06
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.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 2018-08-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I checked my credit score in XX/XX/2018 through Experian.com agency, and never signed up for any monthly membership services but they keep charging my credit card monthly, despite my attempts to cancel it. I call my bank every month just to make sure I stop billing from them, but seems somehow they keep charging me. So upset and helpless. I was unaware there was monthly reoccurring charge, and they billed automatically.

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 2019-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America will not let me dispute XXXX dollar worth of fees because I did not pay even though I did on XX/XX/19 and bank of america reps where very abusive about 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 2020-01-27
Company: EQUIFAX, 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 was informed by my banker ( for 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I noticed unknown, suspicious accounts. Please remove these fraudulent accounts. XXXX XXXX {$190000.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX  XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX  XXXX {$170.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} Please remove these fraudulent inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-07
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was an account that was opened in my name by my son without my knowledge. Please remove this item off of my credit report immediately before i pursue further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Comenity Bank, the issuer of XXXX XXXX credit cards, recently ( XXXX of XXXX? ) issued a late payment notice to the three credit bureaus pertaining to an overdue {$60.00} bill from XXXX XXXX that I inadvertently overlooked my husband assumed that the account had been set up for autopayment of the full amount and simply put the statements aside for later filing. The account was opened I believe in XXXX of XXXX. I became aware via a telephone call of the two-month overdue payment on XX/XX/XXXX of XXXX and paid the balance due in its entirety that same day. The fact of the late payment and the mitigating circumstances behind it are both clear and have been communicated to Comenity Bank Comenity Bank is in receipt of an exchange via their website ( XX/XX/XXXX ) and two subsequent letters to them ( on XX/XX/XXXX and XX/XX/XXXX ) attempting to clarify the extenuating circumstances in the hopes of achieving credit history relief, all of which have been unsuccessful. I do not understand the basis for Comenity Banks dismissive responses to my inquiries. 

I am a XXXX year old woman with a decades-long spotless credit history, and this notice has had a significant impact on my otherwise excellent credit history, and the long-term ramifications at my age can be significant. I would hope that systems or regulations are in place to ensure that financial institutions provide reasonable oversight in the application of credit related tools, particularly for the elderly, to prevent either indiscriminate or punitive misuse of these tools. 

A timeline of significant events is included as the first page of the attached scan file, which also includes copies of the website exchange and of my two letters to Comenity Bank, as well as Comenity Banks denial responses. Again, this late payment issue was addressed in full on XX/XX/XXXX of XXXX, the day that I was made aware of it via a telephone call. Once more, my husband set aside the ( unopened ) initial statement pertaining to the {$60.00} purchase and the subsequent statements for later filing under the incorrect assumption that the account had been set up for autopayment which he did in fact do the same day that this issue was realized, XX/XX/XXXX of XXXX. 

Credit is extremely important to me, particularly at my age. I do not understand Comenity Banks refusal to pursue a course of remedy that their own Customer Service Department, who forgave the second penalty charge upon hearing the reason for the overlooked payment, indicated as a very reasonable course.

Company response to consumer: Closed with explanation