BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or may not even belong to me. It has been OVER 120 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but this amount of time and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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 2021-12-23
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is XX/XX/XXXX. Day 3 of my inability to access my joint account information on line. Marcus Goldman Sachs staff continue to assure me that they will fix the problem and call me back when they do. They do not fix and they do not call. I am unable to view or transact in my account on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Paypal Holdings, Inc
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Paypal decided in the favor of the buyer in dispute case # XXXX. The buyers complaint alleged that they never received items purchased. 

I provided paypal with correspondance that showed the buyer confirming with me via email that they did receive the items purchased. That document is attached. 

Paypal refunded the buyer {$1400.00} after I proved that they buyer not only attended the event they purchased tickets for, but also lied in their dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I contacted Barclay bank carnival world MasterCard support about not receiving my {$250.00} credit as was advertised during my recent cruise with XXXX XXXX XXXX contacted a agent on XX/XX/XXXX at XXXX AM for resolution. They opened case number XXXX and advised me to give them up to 14 days. I called back to check the status of the case on XX/XX/XXXX at XXXX and was advised the issue was still being investigated. I called back a final time today XX/XX/XXXX and was told that promotion does not exist and I would not be receiving any credit. I have photo evidence of said promotion being targeted to guest during this time. I advised representative that I was looking at the advertisment and was informed nothing could be done other than a complaint about the promotion.

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 2016-05-02
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Debt Collector stated she will destory my credit score to XXXX in which I considered as verbal threat.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, 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 sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX the loan in dispute was transferred to Nationstar Mortgage from XXXX XXXXXXXX XXXX. In XXXX of XXXX I had gotten a loan modification from XXXX XXXX XXXXXXXX. I made every payment of that loan modification and continued to make the payments when Nationstar took over the servicing of the loan but Nationstar sent my checks back to me and would not apply them to the mortgage. I have all of the cleared checks which were cashed by XXXX XXXX  XXXX and sent those to Nationstar many times. I don't know how they could say that when they took over the loan servicing that I was behind in the payments of the mortgage when XXXX XXXXXXXX XXXX cashed all of the payments. Where did those payments go? I have never been able to find out. Several attorneys and a fraud investigator looked at their accounting and said it made no sense. I could not figure it out either. That is why an audit is needed from a neutral XXXX party. Who is going to pay for that audit? Nationstar should pay for the audit since no one can make sense of their accounting that they send out. XXXX XXXX of XXXX XXXX XXXX will do the audit but wants to be paid. I am paying attorneys fees and my attorney wants Nationstar to pay for the audit. 

I now have a company called XXXX XXXX XXXX XXXX XXXX helping to put the loan modification documents together and they have submitted them to Nationstar. Even though I signed an authorization allowing XXXX XXXX to speak to Nationstar on my behalf, Nationstar has refused to communicate with them. They are sending letters to my attorney instead. I should not have to pay my attorney to deal with the loan mod or Nationstar 's letters. XXXX XXXX does not charge for their service so why can't Nationstar communicate with them? The CFPB should investigate this matter as if they are doing this to me, no doubt they are making it difficult for many other people who are trying to get a loan modification. 

In addition, in one of the letters that was in their response to the last complaint I filed with the CFPB they said that the XX/XX/XXXX trustee sale has been put on hold. If that were true, then they would take the sale off of xome.com, a web site owned by Nationstar that advertises the trustee sales of property. My property is still on that web site listing a sale date of XX/XX/XXXX. I do not trust Nationstar as what they say does not always follow what they do. They have said things in the past and done something totally opposite so how can I trust anything that they say in a letter which they are sending in response to a complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not use this credit card but the company of this card charged the amount to me and my credit score is low now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: Experian Information Solutions Inc.
State: IN
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SS # ENDING IN 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 2015-12-15
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Advertising and marketing

Complaint:
I had applied for AT & T XXXX XXXX Credit card from Citibank ( XXXX ) and the same got approved on XXXX XXXX, 2015. The card has an annual fee of {$95.00} and it has an offer related to reimbursement of upto {$650.00} incurred towards purchase of new cellphone from AT & T provided new user spends {$2000.00} within 3 months. However, AT & T ( Both online and Physical store ) has declined to honor the offer citing obscure reason that they are not sure about my identity ( they can issue me a credit card nonetheless ). Even citi bank has not stepped into resolve the issue even after multiple complaints. I feel I have been cheated by the fraudulent advertisements of citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Hello, I am a victim of identity theft since XXXX 2015 and I have filed a police report for that submitting all evidences to the authorities. I have called in all my creditors and service providers including Macy 's department stores credit card to complain about fraud purchases on my account. No progress what so ever happened internally and yesterday I have received a notice from my credit monitoring service that my credit score went down XXXX points in one shot! Checking my report to see the cause, I found it is Macys credit card who submitted late payment on my account and allowed fraud purchases on my account to increase up to {$3900.00} out of the {$4000.00} credit line. 

I have called in Macy 's credit card more than 15 times and spend at least 50 hours on the phone with them trying to resolve my issue but in vain! 

I have a copy from my credit report agency and I am looking for CFPB to help my fixing the negative data on my credit score and close the Macys account forever Macys policy allows anyone to buy items on any persons account with no validation and without the need to have the card in hand! 

I am looking forward to your support Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23
Company: SYNCHRONY FINANCIAL
State: NJ
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:
According to ( FCRA ) ( 15 U.S.C. 1681 I have the right to dispute any inaccurate information found on my Credit report. SYNC/BELK is reporting inaccurate information, I have sent several disputes on the dates stated below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I found XXXX hard inquires on my credit report without my permission. I want these removed. This has negatively effected my credit profile

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 2016-04-24
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
This is an amendment to my previously filed Case number : XXXX. 
As I stated in original complaint about Best Buy Debt protection form, I have received the form on XXXX XXXX 2016, I filled it with whatever information I have and sent it by XXXX XXXX 2016. 
This is because I was checking with my XXXX about my eligibility for unemployment benefit. I talked to state unemployment agency and they finally registered me. Only thing I am worried about the consequences of this on my XXXX now. XXXX verifies about such claims and may disapprove my XXXX and may XXXX me and my whole family. Just wish to clarify this to BestBuy. I have attached copies for their reference with this complaint amendment.

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 2021-12-23
Company: Winklevoss Exchange LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The cryptocurrency exchange Gemini froze my assets without any explanation. I received a general email asking to upload a copy of my driver 's license, a picture of myself and a handwritten note of the ticket number. I did what was asked and they have yet to unfreeze my account. This company has no contact number and has been completely unresponsive. I need my assets unfrozen so I can move my funds off because this type of service is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2021-02-06
Company: EQUIFAX, 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:
On XX/XX/2021 I saw that Equifax reported on XX/XX/2021 regarding a collection from XXXX XXXX XXXX. This collection is a violation of my HIPPA rights. I called XXXX XXXX XXXX on XX/XX/2021 and I was told they acquired this debt from a medical facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Hi I used Paypal to purchase eyelashes online from the individual named XXXX XXXX from XXXX on XXXX/XXXX/2016. However after repeated attempts to contact the seller and try to get status of the shipment, I still did not receive my goods. I wanted to dispute the transaction on Paypal but could n't and received the error saying " We 're sorry, but this transaction can not be disputed because it is not a purchase of goods or services. Please contact the recipient directly. '' However I could n't contact the seller, XXXX at all. I just want my money back at this point so please help me! 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
opted out dont to report to XXXXXXXX XXXX ftc violations

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 2020-04-14
Company: EQUIFAX, INC.
State: MD
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:
During the month of XX/XX/2020 my Equifax credit score was XXXX. On XX/XX/2020 my score dropped to XXXX. The only change on my report between XXXX and XXXX was a decrease of a {$340.00} on a car loan balance and {$160.00} decrease on a home equity loan both of which increased my credit score on my XXXX  report. 

On XX/XX/XXXX my Equifax score went down an additon 15 points. This changes to my credit report this time included a credit card balance increase of {$870.00}, a hard inquiry I submitted an application to refinance my mortage decreases of a couple hundred dollars and car loan decrease of {$330.00}. 

My XXXX  credit score is XXXX. My XXXX  score is XXXX. 

My XXXX, XXXX  and Equifax credit reports have the same accounts and same information. When I called Equifax to obtain the reason why my score dropped 50 points in XXXX he representative said it was due to my credit report. I attempted to explain to her that my score should not drop 50 plus points when my balances decrease. I asked to speak with a supervisor and was disconnected. 

I understand the XXXX decrease of 15 points but the XXXX decrease of 50 points does not make sense. The significant differences in my credit scores has impacted the number of points mortgage companies are requesting to refinance my loans. I have worked really hard to manage my finances so that I can have a good credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I believe Ditech Financial LLC. has purposely not credited my mortgage payments made to my account. Furthermore, Ditech will not speak to me when I call. I have no way to communicate with them. I have sent them a certified letter and still, Ditech Financial LLC. will not communicate with me. I have attached a copy of the letter I sent to Ditech. Also, Ditech is holding almost {$13000.00} of my money in my mortgage escrow account. They are supposed to return that money to me. They also are holding a {$10000.00} two party, insurance claim check made out to myself and Ditech. I have a suspicion the {$23000.00} Ditech owes me is a largely the reason they are not applying the payments I have made on my account ... I am attaching a copy of the certified letter I sent to Ditech Financial LLC. asking them to correct my account. Also I am attaching a copy of my mortage statement showing the escrow surplus owed to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief