BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: FL
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:
I've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$850.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023

Company response to consumer: In progress
Consumer complaint received 2023-11-30
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an online course from XXXX over the phone from the owner on XX/XX/. I was told there was a 60 day money back guarantee. 

I didnt receive any information regarding conditions on the guarantee. 

I requested a refund on XX/XX/XXXX  because i was not satisfied with the course. I requested a refund from the owner over the phone. 
I was told a refund was not possible and would be given a credit in lieu. When attempting to use the credit I was denied and attempted to be upsold on another product. 

At this point i disputed the charge and am insisting in a refund on XX/XX/. 

On XX/XX/XXXX  they requested additional information which I submitted but had issues replying to their email because the attachments were too large. 

On XX/XX/XXXX  The credit card company denied the dispute stating I agreed to the terms and conditions and reported the merchant said I never requested a refund nor went through their proper process. 

On XX/XX/XXXX  I spoke with the credit card company and re-submitted the evidence over chat where the owner confirmed a credit in lieu of a refund and also denying its usage. 

Immediately on XX/XX/XXXX  I recieved an email update stating the dispute was denied because " The evidence received shows that no credit is due because you agreed to the merchants terms and condition at the time of purchase '' which I did not. 

If i was told there were conditions on the refund I would have never purchased the product. I do not want a credit I want a refund in full as was originally promised me when I decided to try the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
15 USC 1681 ( a ) ( 4 ) THERE IS A NEED TO INSURE THAT A CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND RESPECT FOR THE CONSUMER 'S RIGHTS TO PRIVACY. I DEMAND A DELETION OF ALL PERSONAL IDENTIFIABLE INFORMATION FROM MY CREDIT REPORT WITH THE EXCEPTION OF : 1. MY FULL NAME : XXXX XXXX XXXX, 2. MY ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TEXAS XXXX. PLEASE DELETE ALL OTHER ADDRESSES AND NAMES, I CAN NOT RECEIVE MAIL OR ANY CORRESPONDENCE NOR DID I EVER LIVED AT ANY OF THOSE ADDRESSES, OR USED ANY OTHER NAME EXCEPT MY OWN : XXXX XXXX XXXX. ALSO DELETE ANY OTHER PHONE NUMBER BESIDES ( XXXX ) XXXX FROM MY CREDIT REPORT. I DEMAND MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BE REMOVED FROM BEING DISPLAYED ON THE CREDIT FILE FOR PRIVACY REASONS. PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I AM A FEDERALLY PROTECTED CONSUMER AND HAVE A RIGHT TO PRIVACY. NOT GRANTING ME MY RIGHTS IS AN INDIRECT VIOLATION OF 15 USC 1681 AND ALL ITS SUBSECTIONS. PLEASE SEND AN UPDATED CREDIT REPORT ONCE THE CHANGES ARE COMPLETED TO MY CORRECTED ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, TEXAS XXXX. 
I ENCLOSED A COPY OF MY STATE ID AND SOCIAL SECURITY CARD AS PROOF OF MY ADDRESS AND IDENTITY

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-15
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Credit Collection Services in regard to a debt on behalf of XXXX XXXX XXXX XXXX that I do not owe. My policy ended in XX/XX/2023 and was on auto payment. Please be advised the letter I received was generated on XX/XX/2023 for an amount of {$170.00}. At this time, it is my estimation that this debt is invalid and does not belong to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A late fee was charged against me for my XX/XX/2022 bill. I paid in full. However a new late fee was added on my XX/XX/2022 bill. That was the only charge. I did not make any new purchases. I called to waive it and was told they would waive it but it was not waived. Now I am " late '' for the XX/XX/2022 bill which was due on XX/XX/XXXX. I called to explain but not only are they not waiving the full amount, but they also are now charging me an ADDITIONAL late fee on the XX/XX/2022 late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
My husband and I recently purchased a modular home from XXXX homes and financed with Vanderbilt Mortgage. At closing we were told that we would not be charged for XXXX days once we started occupying the home. They had us close in XXXX signing all the closing paperwork. The delivered and set up the home. The loan had not been booked. At the beginning of XXXX we still dont have electric or HVAC and they booked the loan. The home does not have a certificate of occupancy and none of this was told to us while applying for the loan, during the process, or at closing. I feel this is a deceptive practice to consumers especially if they are not familiar with the loan process. This loan was not set up as a construction loan, yet was handled as one. The money was showing as disbursed to XXXX homes and I have no budget or invoices to know if any money should have been owed back to me on the loan if the contractors didnt go over budget. Now we have a home that cant be occupied that we will be paying a full payment on not interest while its still technically in a construction phase.

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 2022-09-20
Company: EQUIFAX, INC.
State: OK
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:
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 2023-10-16
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2022-12-10
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: Account status incorrect

Complaint:
XXXX XXXXXXXX potentially negative months {$1500.00} Closed Account info Account name XXXX Account number XXXX Original creditor - Company sold - Account type Unsecured Loan Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Original balance - Monthly payment - Past due amount {$1500.00} Highest balance - Terms 9 Months Responsibility Individual Your statement- This information is still report incorrectly on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Capital One credit card has shown no remorse or help during hardship of XXXX. The are the worst company to deal with and would not want others to fall in this same trap. It is heartless to the story of someone that was in XXXX  for months and still will not help with interest. Horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a Venmo credit card with Synchrony Bank in XXXX of XXXX. I have made purchases and payments since then. On XX/XX/XXXX of XXXX, I made a payment for the balance in full ( amount - {$3000.00} ). This payment has been placed on a 14 day hold which I find to be extremely excessive when compared with TILA payment hold requirements. The reason for the hold they state : the account is less than 6 months old and they wish to verify that the funds clear. The funds cleared my XXXX  checking account instantly. I notified asynchrony banks customer service department and escalated twice to a manager to have the hold removed. I was told there is no way to remove the hold, and that I would have to wait 14 days for my available credit to be updated. Their solution was for me to apply for a credit line increase which sounds like predatory lending under UDAP and UDAAP. There is no reason to hold an electronic payment 14 days simply because my account is newI have no history of delinquency and no returned payments and therefore my available credit should be immediately ( within 48 hours ) be reflected. Synchrony claims there is no way to manually remove the hold, which I interpret as a lie or an extremely poorly designed process which in either case violates TILA, UDAP, and/or UDAP as well as other consumer protection regulations that may not be cited in 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 explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 not used my reports from XX/XX/2021 I have 10 inquiries on my record that I did not authorize anyone to try to apply for and I have two collections on my record that I do not use by anything I have internet service from XXXX XXXX phone company I do not have a tv I did not authorize any information on this report it is all fraud and I need them to delete this immediately

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 2023-10-17
Company: EQUIFAX, INC.
State: MD
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:
This is my 21st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$27000.00}, XXXX XXXX Balance Owed : {$2500.00}

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 non-monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: DHI Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
I applied for an FHA mortgage in XXXX XXXX  At the time of the application, I was not informed that there was a previously completed FHA appraisal on the home that was less than my contract offer. Over the following weeks, there was delay after delay after delay and no one would explain the reason for the delays and requests for irrelevant items. More than a month after the contract, the previous FHA appraisal was disclosed. It was only disclosed because the DHI mortgage team had exhausted all efforts to get a new FHA appraisal and hide the previous one from me. They were forced to negotiate in light of the lower appraisal price. During the process of waiting for a clear to close, our mortgage agent stated that I would not be charged the appraisal fee as the appraisal had been done for a previous buyer. Once DHI was not able to get a new appraisal the rest of the settlement process moved fairly quickly. The day of settlement when I received the XXXX, I noticed the appraisal fee was still listed as being paid by the buyer as well as a general category of " seller credits '' in the amount of {$15000.00}. My realtor and I both requested an explanation of 1 ) Why the appraisal fee was still on the XXXX and 2 ) What items were included in the " seller credits. '' My mortgage agent said she would get back to us by the end of the day with the explanation. She did not. In the 6 weeks since settlement, the accounting of what was included in the " seller credits '' has been requested multiple times and has still not been received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I Called the credit reporting agencies letting them know the inquiries and accounts are unauthorized not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is aggravated identity theft.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I recently found out through my credit report that more identity theft has occurred after the initial police report was filed XXXX. I noticed this issue when I tried to apply for a house and apartment, and they told me I have an eviction on my credit report that was up for collection. I contacted my credit company, and they sent me a copy of my credit report which shows two account that was open by XXXX XXXX who is my bothers girlfriend ). My brother 's name is XXXX XXXX, and he is currently incarcerated ) ( I do not know her contact information ). She is associated with the original identity Theft case ( XXXX ). The address to the places on my credit report : XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Fl. The other address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl . Im looking to get this incident resolved asap. I need to add the info to move forward with the investigation and clear my name and credit to be able to move on with my life!

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 2023-11-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They have never contacted me, in violation of the fcra and fdcpa. I disputed via the credit bureaus and ask for validation in writing pursuant to us code subsection XXXX et seq. They did not respond, in additional violations of the fcra and fdcpa. 
They continue to harm my credit whilst ignoring all relevant federal laws. They pretend to operate with impunity. I know they have my address as they bought it from XXXX long ago. Yet I still never received anything from them whatsoever. not verbally nor in writing.

Company response to consumer: Closed with explanation