BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: GOLDMAN SACHS BANK USA
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:
On XX/XX/2021, a merchant charged my card for {$250.00} for car interior alteration services I did not request. After attempting to resolve the issue with the merchant, they became belligerent and so I disputed the charge with Goldman Sachs. Through several months of exchanges with Goldman Sachs support, they obstructed my inquiry and in particular failed to fulfill their obligations under the Fair Credit Billing Act : 1 ) Goldman Sachs took much longer than two billing cycles to resolve the matter.

2 ) Goldman Sachs never delivered evidence, despite numerous requests from me in writing, to explain their decision regarding the dispute.

Now Goldman Sachs has sent a threatening letter claiming my account is delinquent.

Goldman Sachs claims my account has an outstanding balance of approximately {$100.00}. However, in recent months, I received a refund of {$100.00} for an unrelated charge. I had requested Goldman mail me a check for the refund, which they have failed to do despite numerous requests. Therefore, Goldman still holds the funds. Even if Goldman were to argue that they acted within the FCBA, my account balance is actually 0 ( or has a credit ) and thus their reporting of my account as delinquent is false, defamatory, and damaging to my credit. 

For extensive evidence, please see XXXX  cases XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2022-04-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2015-06-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Wells Fargo Home Loans Bui\lder Division is using illegal tactics to build their business within XXXX XXXX XXXX . They are doing this by partnering with an ESCROW service provider. ESCROW OF THE XXXX sales REP XXXX XXXX is very well connected within the builder industry. Wells FARGO Retail office and Builder office is opeining escrows with XXXX XXXX. As a retrun for this buisness, XXXX is telling builders to use WELLS FARGO as their preffered lender for the take out financing. XXXX is creating a false environment. making the process harder to sell for builders and harder to buy for buyers so that he can influence the builders vendors choice- XXXX has designed specific FALSE processes that make it harder for buyers to get loans from lther lenders. this way his choice of lender, Wells FARGO/ XXXX XXXX have the upper hand and they limit the buyers ability to shop for the best mortgage deal. XXXX XXXX creates an atmosphere that FORCES PEOPLE to use WELLS FARGO/ XXXX XXXX XXXX does this becase XXXX sends XXXX retial refinance transactions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been charged overdraft fees for purchases that were made when I had necessary funds in my account. I checked my account activity after each transaction and it showed I had money after each purchase. XXXX I only made one purchase without sufficient funds but I have been charged for more overdraft though.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/2021 XXXXXXXX XXXX XXXX XXXX hard inquiry this account was opened fraudulently this is not my account please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TD BANK US HOLDING COMPANY
State: TX
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 there are several fraudulent accounts that continue to report on my credit file. I have requested validation as well as verification from XXXX and they refuse to provide. I have attached my identity theft report to this file as well to remedy these inaccuracies as they are Also, XXXX and the data furnishers have violated my rights per the following, 15USC 1681 Section 602, 15 USC 1681 Section 604 and 15 USC 1666B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My name is not showing correctly on Experian credit report. There should not be a XXXX as a middle initial

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 2016-10-23
Company: ERC
State: WV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
they claim I owe XXXX XXXX dollars I called XXXX and they said XXXX lady 's XXXX of XXXX and XXXX of XXXX my account with my password which was my XXXX name after I filed bankruptcy which they were to have closes XX/XX/XXXX when I filed, but fell though the loops, the XXXX lady used to rent off of me in XX/XX/XXXX/XX/XX/XXXX so of course she new my only XXXX name is the only way I can explain I told them to go get them for fraud and never heard from them again until I seen on my credit rerport

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: VA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Alliant Capital Management LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
We received several phone calls from different 1-800 numbers saying that we need to call to XXXX to schedule an appointment for them to send the plaintiff with the court papers, in other words, to serve my mother. 
When I called the phone number a gentleman answers and, without saying the name of the company or what is regarding to, he asked for the " case '' number. After a bit of back and forth he said that they purchased a loan from XXXX XXXX and now they are collecting, the debt is for {$1600.00} but we can settle the debt for 50 % over the phone, otherwise they 'll send the papers and she 'll be sued. When I explained the serving procedures to him and that they way he was conducting the call was n't professional nor accurate, he got upset, started to threat saying " you better pay up buddy or she 'll be sued '' and " Let me put it this way bro, if you 're gon na ask for money, you better be ready to pay up '' then he followed to hang the phone. That was the XXXX time that I spoke with him, the XXXX XXXX was a very rude conversation about the same deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I made a promotional purchase using a Synchrony BankXXXX XXXX XXXX XXXX XXXX and paid it off in full on the last day of the promotional period XX/XX/2022. All interim payments were made on time. I have written confirmation that the balance was XXXX. The account was closed on XX/XX/2022 so no further purchases could be made. However, a {$370.00} mystery charge showed up on the account in XXXX. I called and Synchrony said it was for credit protection and agreed to refund the charges. After the refund, there was still a balance and tI received more late notices. I called again and talked to a supervisor that said it was because the credit refund for the promotional purchase was done incorrectly. They agreed to dispute it internally, after which I received a credit for {$24.00} which still left a balance that I don't know what it actually consists of. After multiple phone calls and chats on their website ( over 4 hours of phone time altogether ), they are reporting me as late to the credit bureau, damaging my credit score. In the XXXX, while they say I am correct and it should be a XXXX balance, they have only given me multiple small refunds that still leave a {$110.00} balance and can not tell me if or when it could be resolved. In order to save my credit score I may be forced to pay a balance I don't owe.

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 2022-04-22
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Gitsit Solutions, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We sent the application documents to XXXX XXXX at Koundar Capitol and their counsel starting in XX/XX/XXXX. Each time, they denied the application in less than a week. They cited that they could not create an affordable payment each time and did not explain how this came to be. We sent another application and Notice of Error to Koundar in XX/XX/XXXX with updated income and expense information, explaining that there was a change in income and expenses, making their ability to pay an affordable loan payment more possible. Just as before, in less than a week, we received correspondence that they could not come to a term with an affordable payment. We have called the assigned SPOC, XXXX XXXX, XXXX times in three months, sent her over XXXX emails, and copied these emails to XXXX other individuals at Koundar Capitol. There has been no response aside from the canned letters with no detailed explanation. The last application we sent was XX/XX/XXXX and we received notice of denial dated XX/XX/XXXX, which is only two business days later. IT IS IMPOSSIBLE TO DO A FULL REVIEW AND DETERMINE ELIGIBILITY IN TWO DAYS. All contact attempts and requests for explanation have gone unacknowledged and unaddressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately any or one, I would like it removed immediately. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 15 U.S.C. 1692C 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 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 ImIs inaccurate. The following inquiry needs to be removed immediately : by the provision of the Fair Credit Reporting Act, i demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C. Sec 1681i ( a ), they must complete this reinvestigation within 15 days of receipt this complaint.

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 2015-10-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
XX/XX/XXXX I took out a payday loan from ACE Cash Checking from a store in XXXX XXXX. I borrowed {$250.00} and paid {$45.00} in fees. I was supposed to return a month later after receiving my check and pay off the loan. However, an ACE employee made a mistake and instead of being charged the money a month later, they wanted me to pay 2 weeks after taking out the loan. I explained that I could n't pay back the loan in such a short time, since I was yet to receive my check. 

They still charged me the money and it was hard for me to make that payment and still have enough for rent, bills, and more importantly to be able to provide what my XXXX kids needed. Because of ACE 's mistake, I had to renew the loan instead of paying it off as I had hoped. I fell behind on my phone and other bills. Every month I returned to renew the loan because I could n't pay off the full amount without falling behind even more. 

For 3 years I renewed the same loan. XX/XX/XXXX I had an XX/XX/XXXX at work and I was unemployed for XX/XX/XXXX months and was now receiving XXXX. I could n't afford to pay the loan and went to a friend for help. She lent me enough to renew the loan, but now I owed her and ACE. I continued with the loans a few more months until I really could n't do it anymore. I had to default after paying roughly {$1600.00} in fees alone over 3 years. A bit after defaulting I began receiving call and letters asking me to pay back what I owed. Still 2 years after defaulting, a collection agency is still calling asking for the money. I 've paid enough to ACE and can not continue with this cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX  # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX - HAS VIOLATED MY RIGHTS XXXXXXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS BANKRUPTCY XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is against the co mpany " MBA Law  Offices /  XXXX  ''.     Currently, they are reporting that I owe them a total of {$1300.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, I have acquired the account number of this unknown account from a recent credit report. The account number is listed as follows on my report : "  XXXX  ". My report indicates that the account has an " open date '' of  XXXX   2016 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/2022 XXXX XXXXXXXX name this account was opened fraudulently this not my account please remove

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 2022-04-22
Company: Experian Information Solutions Inc.
State: VA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00}

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