BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: HILLTOP HOLDINGS, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2022 I called Highland Homes. The sales rep informed me about XXXX XXXX. Seen the property and talked to XXXX XXXX. XXXX told me the next step was to talk to the loan office. So, I spoke to the loan officer, applied, and uploaded all my documents. 

XX/XX/2022 I spoke to the loan officer that morning. Due to miscommunication about the rate and incentives, I drove XXXX minutes back to XXXX to talk to the salesperson ( XXXX ). I was told the final numbers would be available by the end of the day Saturday. Unfortunately, I never received the final numbers to purchase XXXX XXXX. Nor did I receive the application, sales contract, the amount of earnest money, and how and when to pay the earnest money. In addition, I also reached out to the builder and requested to work with another salesperson. 

XX/XX/2022 I spoke to another sales associate who informed me that the earnest deposit was {$5000.00} and I should receive the final numbers by the end of the day. 

XX/XX/2022 I received an email from XXXX telling me the property had sold. This was the only time XXXX responded to any of my emails. According to the internet, this house is now pending sale. I spoke to the Division Manager, XXXX XXXX. I informed her of what had happened to me. She told me she would investigate it and get back to me ASAP. 

XX/XX/2022 XXXX called me back and asked about my experience. But unfortunately, she did not provide any clarification as to what happened. So, I contacted the new salesperson to inquire about XXXX XXXX XXXX. XXXX sent the buyer sheet. 

XX/XX/2022 I sent XXXX back to the buyer sheet and asked several questions. 
XX/XX/2022 I received an email from the loan officer informing me that the XXXX XXXX rate had expired. 
XX/XX/2022 I still havent received a response to my concerns. 

I firmly believe there were deliberate actions taken and a refusal to sell me the house at XXXX XXXX. 
If I had been adequately informed and received the information to pay the earnest money and sign the sales contract before XX/XX/2022, the purchase price would have been $ XXXX with a XXXX XXXX rate. Now, I am looking at another house that is $ XXXX with a XXXX XXXX rate. The projected monthly price is {$800.00} higher. 
XXXX retaliated against me after reaching out to corporate and asking for another sales rep. I would like to understand why Highland Homes refused to sell me the house at XXXX XXXX and why they are refusing to sell me the house at XXXX XXXX. 

Below are the questions I asked but never received an answer to. 
- What is the usual process for buying a house from Highland? 
- When did XXXX XXXX go under contract? 
- When did the person buying XXXX XXXX see the house, apply, obtain a pre-approval, and pay the earnest money? 
- Why did Highland Homes have me reach out to the loan officer, obtain a pre-approval if their intention was never to sell me the house on XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Cashapp has and continues to allow unauthorized transactions on my account even with physical documents advising them these charges to XXXX  XXXX XXXX XXXX XXXX and charges to the XXXX are not valid charges. I have provided documents on each incident to show the charges are incorrect but Cashapp keeps refusing the documents as evidence and sides with the merchant who has provided nothing. 
Stratosphere XX/XX/XXXX {$100.00} XXXX  XXXX XX/XX/XXXX {$28.00} I literally provided Cashapp with a copy of the legal letter to XXXX  XXXX notifying them they are NOT authorized to charge my account and Cashapp STILL allowed them access to my account and approve the charges then denied my dispute without any explanation. I will include the docs with this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I am writing to dispute the following information that appears on my consumer report. 
Dispute : XXXX XXXX # XXXX Acc.XXXX Experian Acc # XXXX XXXX. XXXX Credit Bureau : XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX Credit Bureau : XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX Credit Bureau : XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: The Outsource Group, Inc
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I'm furious with this company Capital One. I have been with Capital One for over XXXX XXXX. The way I was treated unethical and considered XXXX. I demand a resolution after XXXX XXXX  with this company. I have never been delinquent on my accounts and to be treated this unfairly as a customer, is very unethical on their part. 

I was traveling from the XXXX of XXXX to XX/XX/XXXX of XXXX. I have business accounts and personal accounts with Capital One. Today I checked my accounts and I noticed all XXXX of my accounts are closed! I called Customer Service to see what has happened and they stated fraud. They transferred me to fraud department and they stated it was because of a return payment of {$400.00} for my personal credit card. This personal credit card I was using while I was traveling as I depend on this XXXX card for my travel needs. Yes a returned payment occured I was traveling and my accounts were in process of transferring money, but to close all of my accounts even my business accounts for this returned payment is XXXX! I just arrived back and I can pay a measly {$400.00}. I did not even pay late I added funds to my credit card to use it. Why would they close my account over a returned payment. Or all my other accounts that have nothing to do with this?! I found this as an unethical excuse to close my accounts due to discrimination and credit being used. I am seeking resolution through CFPB before resulting in further action. The closing of my accounts all 4 also affects my credit as I had high credit balances and now thus this company decides to wipe it for no apparent reason without communicating with their client especially when one is traveling. Very unethical!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: GOLDMAN SACHS BANK USA
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: Card was charged for something you did not purchase with the card

Complaint:
I have an apple credit card. 
I never used my physical apple card more than twice in its lifetime. 
I have used the 'digital ' number many times for online transactions. 
On XX/XX/XXXX at XXXX XXXX  while I was home in XXXX my credit card 's digital number was charged {$1500.00}. I immediately got notification on my iphone and called apple to report unauthorized use of my card. Apple card started the dispute. 
I also attempted to call the merchant ( XXXX XXXX XXXX ) that evening to cancel whatever fraudulent order was placed however they could not assist me. 
On XX/XX/XXXX I was notified that the transaction was not resolved in my favor, an " The merchant provided suffecient evidence that I made the purchase ''. 
When I called and inquired with apple what proof was made for a fraudualnt transaction they could not provide me the proof and would 'mail me the documents which would take 7 days '. 
Eventhough Apple and Goldman Sachs both agree there is 0 % liability for unauthorized transactions I wonder why I am being held liable for this unauthorized transaction. 
I have re-initiated a dispute with apple card and now have to wait another 3 months for an answer. 
this whole process is very elongated, excludes the customer, and is at best stupid along with goldman sachs customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: First Credit Services Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FIRST CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Reported me to collections for debt of {$990.00} thats affecting my credit, they are trying to charge me for something when I was minor, or have the wrong information, now is affecting me for future loans and housing,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Radius Global Solutions LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2022-06-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian 's web site will not allow me to log in. It walks me through a process of changing my password, but after the web site tells me that it was successfully changed, I still can't log in. I called the phone number for customer service but it is an automated system that tells me incorrectly that my experian credit report is not frozen. The automated phone system blocks me from reaching an operator or customer service rep. My credit union tells me my account is locked. I believe it is ; I have had identity theft in the past and locked my credit at all three credit reporting bureaus. So I am stuck, and in a XXXX position ; my mortgage application can't proceed until my credit is unfrozen at experian, and I am unable to complete that using their web site, and their phone system is designed to prevent my reaching a human being who might be able to help. My message to Experian is " You must make it possible for people to get help ; in this circumstance, your broken web site is blocking my purchase of a home. '' I have much more colorful language I would like to direct to Experian, but I think you get the idea.

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 2022-07-28
Company: Experian Information Solutions Inc.
State: AL
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:
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 n accordance with the Fair Credit Reporting act XXXX Account 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 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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 mailed 2 disputes to the 3 credit bureaus last year on XX/XX/XXXX and XX/XX/XXXX. This year, I mailed 2 more disputes on XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX I have yet to receive XXXX single response to the dispute letters I mailed out from XXXX, XXXX, or TransUnion, with 1 exception. TransUnion sent me a letter saying that they applaud me for working on my credit but, they don't believe that the dispute was sent from me... who else would it be sent from. I'm tired of these stall tactics, these companies are blatently violating the FCRA law.

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 2022-09-21
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:
Transunion remove this account at once I used the Government web site and filed a fraud report FTC and filed it with CFPB that all I have to do they refuse to respond That is all I have to file by law, XXXX XXXX XXXX sold the account I await your response to CFPB

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 2022-08-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was scammed into sending {$300.00} to XXXX XXXX XXXX for the purchase of a XXXX XXXX  ( aviation related item ) using XXXX. I realized directly after paying him when he blocked me on his social media and stopped responding to texts or messages that it was a scam. I reached out to Chase on XX/XX/XXXX to help rectify the situation and they took down all relevant info saying they would help me, then within 12hrs they sent a letter to me stating " As we discussed and agreed, no action will be taken '' and " This inquiry is not resolved ''. There had been no discussion as stated by Chase and I feel they put no effort into helping me recoup this money. They take large fee 's and when they are needed to assist their customers they left me hanging.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX  account # XXXX Has violated my rights 15 u.s.c 1681 section 602a states I have the right to privacy 15 u.s.c 1681 section 604a section 2 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 2022-11-30
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below have 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have all 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a zales credit card and the bank is Comenity bank i cant make a payment and my due date for it was XX/XX/XXXX they say their systems are down and also their costumer service isnt working or answering calls. I tried different ways to pay and nothing is working. I want to make sure it wont affect my credit score and also have late fees since this isnt my fault. I tried to make my payment on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian Information Solutions , Inc. 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of account on my credit report Dear Sir/Madam, I hope this letter finds you well. This correspondence is concerning an inaccurate piece of information that I have noticed on my Experian credit report. Specifically, there is an account under the name XXXX Credit Card, ' which I did not open or authorize. 

To elucidate, I became the victim of identity theft in XXXX of last year, an incident for which I dutifully filed a police report. I have attached a copy of this police report with this letter for your reference. The illicit account, I believe, is directly linked to the fraudulent activities conducted by the identity thief, and I had no part in its creation nor have I authorized any transactions on it. 

Pertinently, I would like to draw your attention to Section 611 of the Fair Credit Reporting Act ( FCRA ), which dictates that upon receipt of a dispute, you have an obligation to promptly investigate and remove inaccurate information from the data subjects credit report. Concurrently, I would also like to draw reference to the Consumer Credit Reporting Act ( CRA ), which provides similar protection against inaccurate credit reporting. 

Subsequently, I kindly ask that you expedite the investigation into this matter and see to it that the XXXX Credit Card ' account is removed from my credit report. The presence of this fraudulent account is causing undue stress and unwarranted injury to my financial reputation, which I hope you can appreciate. 

Please update me on the progress of this case periodically, and provide written confirmation once the account has been deleted. For further details or any necessary documents, feel free to get in touch with me at my email or phone number. 

I am hoping for a prompt resolution to this matter. Thank you for your time and anticipated cooperation. 

Sincerely, XXXX XXXX Attachments : Police report Identity theft ( 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 2023-01-26
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo charged lots of over draft fees on top of each other XXXX XXXX XXXX I have since married.

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