BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
So I applied for equifax services to check my information, so it took about 15 to 20 minutes with credit card information so I got curious and call my bank they had ran XXXX twice and then additional XXXX on credit card, I immediately call them to clear the error the employee new they had may error continue to ly to my face I told them I was on wife 's phone with the bank, so then the supervisor got on the call I was furious by then he cover for employees and debit my account. They speak very bad english, they are very rude and this services should be put out of business. 
I want money back the service does not work they could not login. This is a criminal organization with legal ties. 
I don't have the money to get a big time lawyer, but someone needs to get these people I'm not the only that has this problem with these criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Goal Structured Solutions, LLC
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had two student loans with a servicer, Launch Servicing, and I sent them a check for {$33000.00}, which was the amount given to me in the 10-day payoff, indicating both loans to be paid. 

The servicer paid-off one loan but not the other in error and said they would be sending me a check in the mail for a total of {$9300.00} and that it could take up to 30-business days to get to me. 

When I expressed my concern about the additional interest I would pay due to the error they said there was nothing they could do and I would be held accountable for the additional interest, which I calculated to be roughly {$100.00}.

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
The reason for my complaint against XXXX XXXX XXXX  and XXXX  regarding my credit card that I got approved for since XXXX until current date, so I have a good standing account no late fees no high balance or money owed on this account with this company they sent me a letter on XX/XX/XXXX stating my acct ending XXXX your account credit limit was decreased from {$1600.00} to {$500.00} limit due to Too many Tradelines reported Delinquent this reason is incorrect they state it is on my Transunion credit report I checked my credit report it says good standing for All my accounts and all mt credit cards has XXXX low balances plus I pay off my credit cards if I use them so Im filing compliant against them XXXX for giving credit then taking it back for false reasons I want this investigated thanks consumer.

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 2021-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card dispute with XXXX XXXX XXXX XXXXXXXX XXXX. in XXXX. XXXX XXXX charged off the debt and sold it to a third party. No communication/no payments have been made by me regarding this debt ... and it should have been deleted from my record ( amount {$2200.00} ) some two and a half years ago. 

Recently, a SECOND third party debt purchaser, PORTFOLIO RECOVERY ASSOCIATES, purchased the account on XX/XX/XXXX and has made attempts to collect. 

I called the original creditor, XXXX XXXX XXXX XXXX XXXX. and asked for the ORIGINAL date they sold my debt to a third party. They refused and attempted to get me to call the new company assigned to the debt. I want no communication with the company so I called XXXX  and opened a case regarding fraudulent activity on my credit report. ( XXXX  Report Number is available ). XXXX  Fraud Agent, XXXX, ensured the company would contact both XXXX XXXX XXXX  and Portfolio Recovery, requesting my usage/activity as well as the ORIGINAL date XXXX  XXXX discharged the debt. 

XXXX  contacted me XX/XX/XXXX after ONLY contacting PORTFOLIO RECOVERY who generated the activity they reported since their purchase on XX/XX/XXXX. 

Personally, I've had only XXXX XXXX  card for the past nine years. By demanding the charge off date from XXXX XXXX XXXX XXXXXXXX XXXX, you will see how long the account has been on my account. XXXX  basically didn't do their job and the fraudulent account remains a blemish on my credit score.

In summary, if I could have access to XXXX XXXX XXXX XXXX XXXX and the date they charged off my account, it would prove PORTFOLIO RECOVERY ASSOCIATES purchase of the account on XX/XX/XXXX is fraudulent, being the account is well past seven years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
Company: Dovenmuehle Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There has always been an issue with the escrow account since I closed on this mortgage nearly 3 years ago. Most recently in XXXX I received my tax bill, noticed an error and contacted my municipality tax assessment office. That issue was quickly and easily remedied and I received a new revised tax bill which I sent to dovenmule. I showed them the proof that the bill they had due for my 3rd quarter was incorrect and they made 2 payments anyway, one correctly and one in excess of over XXXX in overpayment. I told them and they said there was no error. I confirmed with the tax office that they received the overpayment and would have to send it back to dovenmule. I contacted dovenmule with my concern of overpayment affecting my escrow and they assured me that I was not due for escrow assessment. I just received an assessment raising my monthly payment by {$500.00} for a perceived shortage that does not exist. Currently they have overpaid my taxes by over {$2000.00} and they projected tax payouts for XXXX are incorrect by another {$2000.00}. This is the 3rd time that they get my taxes due from a third party and will not accept my municipality tax office as proof of the correct amount due. This is an unnecessary hardship on my family to pay another XXXX because they are incompetent and refuse to see proof of their error. This seems wrong that they can overcharge me and keep my money interest free every year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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:
I have disputed this inaccurate debt collection. That has caused me great grief and caused me to miss an opportunity to buy my first home XXXX XXXX XXXX disputed on XX/XX/2022 {$330.00} XXXX XXXX XXXX disputed on XX/XX/2022 {$1000.00} XXXX XXXX XXXX disputed on XX/XX/2022 {$1600.00} This collection debt is in violation with FCRA and HIPPA LAW. It invaded my FCRA 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 2022-08-02
Company: Netspend Corporation
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
XX/XX/2022 I spoke to XXXX. I had a deposit post to my account for {$80.00} after covering an overdraft for fraudulent charges in the amounts of {$15.00} twice to the same company. I had {$37.00} available and went into the XXXX XXXX XXXX to pay {$37.00} for gas. I was charged an overdraft fee of {$20.00} when I clearly had sufficient funds in this account. 
I requested they fix the issue and XXXX tries to yank me around like this was my fault. As I stated {$37.00} is less than {$37.00} therefore I should not have been hit an overdraft fee. 
He thanked me for telling him I was filling a complaint against Netspend. Who thanks someone for filing a complaint? 
I would like a refund of overdraft fees relating to the charges the past few days ad I was not responsible for them and can clearly show I had enough funds in the account to cover the charges. 
XXXX said I was being sent to supervisor when indeed I was hung up on.

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 2022-01-04
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
on XX/XX/21 we purchased a silvery gray rug in the amount of {$390.00} from value city furniture and what was left at my front door was something totally different then the description in store ( looked nothing like what we ordered ) We contacted synchrony bank to dispute the charges to our account because this was not what we ordered. They did not do a full investigation. The documents we uploaded was a copy of our sales receipt and a photos from the tags of the merchandise that was left at the front door. Synchrony closed the case and ruled in value city favor in through this was not what we purchased

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion has disregarded the law in multiple instances since I started my dispute on XXXX. As of XX/XX/XXXX Transunion has continued to report information disregarding and outright ignoring my dispute as well as verifying the information with the consumer to which it belongs. 

They are reporting transactions and experiencing ignoring the FCRA and continue to cause harm to me. 

This is defamation of character and I will pursue litigation. 

I disputed multiple items on my credit report after being denied credit and housing, XXXX and XXXX complied with the law. Transunion, without notifying me of Re-Investigation results re-inserted an already deleted item. 

I have a long paper trail of Transunion being the big reason I have been denied housing and credit. They have been negligent since XXXX which I have documents to prove. 

I have not been able to access my score or credit report since XX/XX/XXXX on Transunion.com as well as freeanualcreditreport.com. I can't change my password and can't login from either website. When attempting to chat or call employees hang up on me or never connect to the call. I called in XX/XX/XXXX to get the fraud alert lifted on my report. The employee told me I had to follow a procedure to get an elaborate mechanism off my report that I never opted in to in the first place. He ended up not even helping me remove it, they forwarded to me an employee that never answered and I never got to get the fraud alert off. I have an audio recording of this conversation. 

All in all, Transunion is continuing to furnish information which I have told them they do not have permissible purposes to do and is inaccurate.Transunion continues to ignore my written instructions. I have been getting denied for credit and housing because of Transunion 's willful negligence. I will be seeking a specified remedy.

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 2022-01-04
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2700.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$5500.00}, XXXX XXXX XXXX XX/XX/XXXX {$160.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$140.00}, XXXX XXXX XXXX XX/XX/XXXX {$920.00}. Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/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 2022-01-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquires on my credit report that i never applied for

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 2021-08-03
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:
Ex husband married woman with same name as me, spelled differently ( XXXX  ) and different middle initial ( XXXX  ). Collection agencies are sending her notices to my new address, having changed the spelling of her first name to mine. They are also calling me, even though my phone is not listed nor has it ever been under my name. I dont understand how they got it. I am remarried with a new last name. I do not want her debts to be attached to my name, or worse, to my new husband. My old and new last names are connected to her on many people search sites as well. This is very frightening ; it causes me much stress. 
Also, I have not been able to reach an actual live person at any credit reporting agency to get answers to my situation. 

Any help would be greatly, greatly appreciated Thank you XXXX XXXX XXXX Her present info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX dob XX/XX/1956 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 2022-10-23
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:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: NJ
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:
Ive notice a variety of inquires on my credit report. That I have no knowledge of and would like for them inquires to be removed an deleted. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive been writing letters to get these inquiries removed an they still have remove them. I dont know or have any acknowledgment to these inquiries

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 2022-11-26
Company: John C. Heath, Attorney at Law, PLLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I tried using LexingtonLaw and I still aint be able to build my credit with a credit card I never had a credit card or a loan I need to build my credit can u help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a credit alert on XX/XX/2022 stating someone just viewed my credit, I proceeded to add a Freeze on my credit report. I contacted Equifax on XX/XX/2022 after I noticed both inquiries from XXXX. XXXX  XXXX XXXX and XXXX XXXX that weren't mines and spoke with a Supervisor by the name of XXXX  who suggested I fill out a FTC report and fax this form over to have the 2 inquiries removed from my reports. I sent over the FTC report with my I.D . and social security card and the inquiries are still on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
there was a Target ( XXXX ) opened in my name. There is a {$5000.00} credit limit with 26.5 %

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: AMERICAN EXPRESS COMPANY
State: AZ
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/2022, I made a {$5000.00} payment to American Express. The available balance did not increase, which happens with American Express fairly often. Therefore, I knew what I had to do, I called them and then we called my personal bank, XXXX, so they could confirm the funds. XXXX confirmed the available funds. American Express took the payment and then I tried to use the card to pay my rent. I was unable to use the card as within minutes American Express decreased my available credit. 
I called American Express and they listed a number of reasons, however, I find that to be a very dirty practice. They said it had nothing to do with my payment. They said it was a coincidence and just a system generated decision. I find that totally unbelievable and a way for them to get your money and not let you use your credit. I would assume they should give you a little more notice than 10 minutes after they take a payment, especially, a large payment. I find it a very disturbing practice and very distressing. And, I have had a credit relationship with them for over 15 years. They know I have a XXXX XXXXXXXX  and have pulled this kind of thing on me when I was in the hospital and unable to pay my bills and my medications cause they wouldn't update my payment. This is American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: FREEDOM FINANCIAL NETWORK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Signed up with Freedom Debt Relief through XXXX. They made alot of promises about ease of paying off debt. Very misleading about fees. They claim that they told me about 22 % fees ( which I never would have agreed to ). After 16 months I noticed they had taken over {$17000.00} from me and, after looking into it, discovered they had paid less than {$7000.00} to my creditors. When looking at their website ( my client dashboard ) they use very deceptive tactics to show how you're making progress on your debts. Once I discovered that they had " stolen '' over $ XXXX from me they had me speak to several people that were well trained at covering up the numbers. When I cancelled and told them I would no longer let them steal another dime from me, I had {$770.00} left in my " dedicated account '' that was supposed to be returned to me. Interestingly enough, they all of a sudden came up with more " fees '' that came to exactly the money left in my account!! So as if it wasn't bad enough that they had already taken {$10000.00} from me ( none of which went to my creditors ), they took my last {$770.00} as well!! This company has got to be stopped!! I see that they had previously lost a class action suit in XXXX  ... not sure how or why this company is allowed to continue stealing from people who can least afford it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
UPDATE TO CLAIM # XXXX SECOND NOTICE TO FAILURE OF GAVE DUTIES!! AND RESPONCE IN TIMELY MANNER!! 

TRANSUNION has failed their GRAVE DUTIES under Tittle 15 USC 1681. XXXX is in federal violation under 15 USC 1681b they DO NOT have my written consent to furnish a report on behalf of the original creditor. Under the XXXX XXXXXXXX XXXX XXXX TRANSUNION IS A FINANCIAL INSTITUION and under 15 USC 6802 and 6821 I have the right to privacy and having my nonpublic information not reported and opted out. TRANSUNION has not been respectful to my right of opting out and privacy and have not exercised their GRAVE DUTIES under congressional findings and removed the demanded information from my report. TRANSUNION is in FEDERAL VIOLATION and is liable for damages under 15 USC 1681n 15 USC 1611 15 USC 1644 for fraudulent unauthorized use of my credit report and credit card.

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