BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-24
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Apple refuses to close my account and allows charges to keep posting even though customer support says my account is closed and that when accounts are closed its impossible for transactions to post. I have contacted customer support multiple times through email, text, and phone correspondence and no action has been taken for months. Each time I contact support there is no historical record of my issues and they refuse to provide a date when my account was fully closed. I am very concerned Apple will keep my account open to allow charges to post indefinitely, as has been the case so far. 

Apples only response to any of my requests is to ask for dispute info. There has been no acknowledgment of my request to close my account, and I dont receive a reply when dispute info is provided even from months ago. Customer support has also stated that I have 0 open disputes. Apple has also blocked my access online so I cant retrieve account closure documents or other statements. Because I dont have access I was tricked into making fraudulent payments in XX/XX/XXXX even though the customer support I verbally spoke to told me it would be resolved after making these payments. I also can't see where the charges are coming from, Apple has indicate it's only from XXXX XXXX  XXXX, but there could be late fees and other charges since I can't view details. 

Transaction dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account close date : XX/XX/XXXX - XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: NC
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:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: MO
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 my previous complaint I asked them to remove certain things off of my credit report because they were very much in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) .They Are reporting personal non-public information with third party entities such as XXXX XXXX Experian and XXXX just want them removed from all 3 of my credit reports.If this does not happen I will file a lawsuit.

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 2021-11-25
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : Chapter XXXX Bankruptcy Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The account listed below is being reported inaccurately on my TransUnion credit report which has caused financial distress and is against the law. Ive ask several times for the account to be verified by showing original signed documentation no response. 


XXXX XXXX Bank {$810.00} Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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

-15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, sent letter to Trans Union via certified US mail with the following statement ( that I asked to have placed on my credit report per FCRA re : incorrect info posted by creditor XXXX. ) My statement read : " I want the following added to my credit report in regard to any claims by XXXX : Debtor had dispute bal. with XXXX in XXXX  XXXX. XXXX refused mediation. Debtor terminated his service with XXXX on XX/XX/XXXX. Upon receipt of final bill, Debtor served XXXX with Demand for Arbitration on XX/XX/XXXX per terms of XXXX Customer Agreement. Collection Agent served with Cease & Desist letter from Debtor XX/XX/XXXX due to disputed balance. '' I called Trans Union & spoke to 2 reps and a Supervisor ( XXXX ) and this is what they posted instead per Trans Union letter dated XX/XX/XXXX : " CONSUMER CLAIMS HAD DISPUTED BALANCE WITH XXXX I XXXX  XXXX. XXXX REFUSED MEDICATION DEBTOR TERMINATED HIS SERVICE WITHE XXXX ON XXXX THE RECEIPT OF FINAK BILL, DEBTOR SERVE XXXX WITH DEMAND FOR ARBITRATION ON XX/XX/XXXX PER TERMS OF XXXX CONSUMER AGREEMENT. COLLECTION XXXX SERVED WITH CEASE AND DESIST LETTER FROM DEBTOR XX/XX/XXXX DUE TO DISPUTED BALANCE. " I want what I requested posted without the typo errors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: CA
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. I DID NOT CONSENT TO AUTHORIZED NOR BENEFIT FROM ANY FOLLOWING. THIS FTC REPORT WAS NOT DONE WITH AN ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A XXXX XXXX XXXX THE PENALTY OF PEJURY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Garcadia Financial LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a car from a dealer and obtained financing from foresight capital LLC. The car was involved in an accident a week or so after purchase and was declared a total loss. My insurance agency has been trying to pay the car off but foresight capital llc can not and will not produce a title. The situation has caused me major hardship because foresight capital llc continues to report negative information to my credit report which has resulted in loss of my job, i haven't been able to obtain traditional financing and my bank account is overdrafted due to fees from foresight capital llc trying to draft the car payment every month for a car that they obviously do not own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My previous complaint XXXX has not been resolved. 
I have also received further information from the previous mortgage lender that they have proof that phh mortgage company has received my first mortgage check from XXXX XXXX XXXX  and that they have withdrawn half of the money from that payment. 
The lender also informed me that this is definitely not the first time they have had problems with phh mortgage lying about not receiving money. 
Phh mortgage should not be able to operate with their predatory actions, and buggy online presence. Please investigate this company. Even if my issue gets resolved no one else should have to get stuck with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Atlanticus Services Corporation
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The company is XXXX/home improver card. I opened this account in XX/XX/2017. Limit was XXXX, I used for carpet in my house and a few other things, so therefore the balance went up. I never missed a payment, but i began to noticed each time I made a payment my balance was higher. I reached the XXXX limit, my payment was XXXX, I paid that, but the next month they would send a bill for over 2000. I requested they close my account. The account was closed with an available credit of around 35.00. But, again I received bill for over the limit of XXXX. I called and requested to get setup on online banking so I could print all of my statements. I was told the system would be down for 5 days and then I could access them, still could not. I have disputed with XXXX and added a 100 word statement. Also, the marketing, I am XXXX, when I opened this card the sales rep never told me anything about insurance for the card should you become unable to pay. I found this on my own, but I was too late. This is a predatory lender. I will never be able to pay this card off. They changed my minimum due amount 3 times as well. I called and asked why, they stated I had a return. I never returned anything ever. I need help with this, I can not pay this, I am XXXX   and they are deliberately robbing consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Bread Financial Holdings, Inc.
State: IL
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 was contacted by XXXX credit card ( Comenity ) about possible fraud on my card in XXXX. I called them, and told them I had not made the charge, didn't know who the company was, and had not received anything from that company. The girl I spoke to told me it couldn't be fraud, it was a recurring charge, and therefore I had to have given them my number. She told me I would have to cancel the billing with the company myself. That seemed unlikely to me, but I tried. The Company 's phone number is never answered, you don't get a valid signal, and I emailed three times but they never responded. This month I saw that the company had charged me again, in spite of all the emails, and still didn't send me anything. I called Comenity again, and they still said they couldn't help me, the only way that the company could have gotten the credit card number was from my giving it to them. I asked them to try the phone number, but they wouldn't, and I offered to forward the emails, but she didn't want them. She told me the only thing I could do would be to close the account, so I did. But Comenity will still be billing me for those charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or around XX/XX/2021 I, XXXX XXXX, XXXX, wrote and submitted a dispute letter with Account Resolution Services XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, concerning medical debt in the amount of {$1200.00} reported to the XXXX major credit reporting agencies. This letter was written after two failed attempts at contacting this company by phone to dispute the debt and the collection associates refused to speak and hung up. This debt was incurred by no fault of my own, i do not owe it, I did not give permission to ARS to collect my medical records nor did I sign a h.i.p.a form, nor did i enter into any written, verbal, or electronic contract with ARS at any time concerning this debt in any way. They were instructed to delete and remove this debt from the XXXX credit reporting agencies and my personal credit report.

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 2022-08-03
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX via Elan has intentionally given conflicting information that has caused me significant damage to my planning and then paying my bill. The company is not giving consistent information. One rep tells me one thing, then I call back and the other tells me another thing. I pivot my payment strategy one way then have to whiplash back in another direction to make sure I pay the bills correctly. This conflicting information has caused me to miss due dates, causing my rate to skyrocket to predatory XXXX. Reps are paid to confuse the customer, subjecting them to paralysis due conflicting information that creates late fees and overlimit fees.

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 2021-09-01
Company: WSFS FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
WSFS originated 8 conforming loans for me a couple of months ago. At closing, I realized that they had the incorrect loan amounts for several loans, and the head of mortgages threatened that if I didn't settle on the loans THAT day, he would force me to repply for the loans and they would all be at much higher interest rates. I feel discriminated against as a female. They loans were ALL sold, many of them now twice in a few short months. I am now dealing with close to 16 different servicers, many of whom are now threatening for placement of insurance, are not accepting loan payments. etc. This has been a nightmare from start to finish.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Webcollex, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX we received a letter from CKS Financial, a debt collector. They said I owe {$1700.00} to XXXX Bank for a XXXX account. My husband and I thought it was spam because we never had an account with XXXX Bank and we use XXXX products. I almost threw the letter away but my husband suggested I check my credit report. 

I checked XXXX XXXX and I learned that a XXXX Bank loan was opened on my credit report on XX/XX/XXXX and my credit score has dropped by nearly 200 points. My credit score is usually over 800. I immediately submitted an identity fraud alert with the Federal Trade Commission on XX/XX/XXXX. 

On XX/XX/XXXX I reached out to XXXX Bank customer service and found out that it was a XXXX  XXXX loan and not a XXXX XXXX credit card. They notified me that the loan application was made through a XXXX website to purchase an XXXX related product. 

I have not played video games in over 10 years and I do not own XXXX. No one in my family owns an XXXX or plays video games. They said they will mail us some paperwork. 

On XX/XX/XXXX we also reached out to CKS Financial to let them know that we are claiming identity fraud. Later on the same day we called XXXX to dispute the charge. Thankfully it was removed from my credit report by XX/XX/XXXX. 

XXXX Bank sent us paperwork in the mail which requested that we send them the FTC report along with proof of address during the XX/XX/XXXX time frame that the fraud occurred. We supplied them with all the necessary documents they requested. 

On XX/XX/XXXX we received mail from XXXX Bank. They denied our claim for identity fraud without any explanation. We intend to call them when their office opens up to try to figure out why they denied the claim and see if there is an appeals process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not consent to or authorized these inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed and sent me some random letters saying this fraudulent account is mine. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission that was notarized. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with or their affiliates west the are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress.

Company response to consumer: Closed with explanation