BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I received an email from Goldman Sachs about the closure of my Apple Card account associated with the Apple Id XXXX due what they claimed to be " failure to comply with the terms of the Customer Agreement ''. I called Goldman Sachs about the closure and they confirmed the account was indeed closed. I explained that that there must have been a mistake, as i couldn't have done anything that violated the user agreement. I even reread the Apple Card user agreement and could not find anything that would cause the closure. I then asked what terms in the agreement was violated. They responded that they have no way of telling as the only thing they could see was what was in the closure email. For the last 06 months I've been escalating the issue through Goldman Sachs to figure out why my account was closed. I was told something different by almost every representative. I was told to that my profile was in good standing and should just reapply. I would try to reapply from my Apple ID only to find the application showing an error. Then i was told to just reapply from a different Apple ID. When i applied with a new Apple ID, the application no longer showed as error. After submitting the application, it would sit in a review state for 15+ days before i would receive an email denying my application " due to system error ''. I was then told to wait 30 days, then 90 days, then 180 days. All the representatives telling me that I shouldn't be getting any of the error and my Apple ID is in good standing. Still nobody can tell me what terms were actually violated. On around XX/XX/2023, i received a call from a Goldman Sachs manager stating that they have done a through investigation on why i was having problems reapplying. She said they didn't find anything that could cause this issue on their end. She then states that my Apple ID is actually " Not '' eligible to reapply a the moment despite what every other prior representative have have stated. She then states that she also can't see what terns were violated and to keep randomly applying and the system will decide " when '' or " if '' it will let the application go through and that the matter is now closed. I then asked for a copy my account transcripts to review. She said that she could put in a request but it would be up to Goldman Sachs whether the company want to give it to me. As of XX/XX/2023, i have not heard back from Goldman Sachs about the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
wrote several dispute letters to the credit agencies, Experian, XXXX, and XXXX to let them know by Law they do not have the right to show late payments on my credit report. By Law.. 15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.. Meaning they are showing transactions and experiences on my credit report which is a Exclusion by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
On XX/XX/XXXX I was forced into a contract by XXXX XXXX XXXX. They mislead me on countless details and drafted a contract with inflated numbers which they refused to explain or remove. They would not give me my keys so that I could leave. With all the lies and deceit they forced me into signing a contract with World Omni Financial Corp. which is doing business as Southeast Toyota Finance. I was unable to contact them at first because the dealership refused to give me any information about this company. By the time I received the information for Southeast Toyota Finance, I was informed it was too late to do anything about being forced into a contract with them. The amount I was charged is {$58000.00} not including any interest that has and will accrue on this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: LoanCare, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Loan care stated they received mortgage payment XXXX we stated the money was never taken and they in fact noted on the account was paid only to find out they never took the payment til XX/XX/XXXX even though on the system it was paid and noted on the account

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 2023-08-09
Company: Experian Information Solutions Inc.
State: TX
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 USC 1681.

The letters are stated with items and issues. 

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 explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
My mortgage with XXXX XXXX was in forbearance & though they were not reporting late they kept upping the past due amount every month so my loan showed I owed more than the original loan & has tanked my credit. I spoke to them in XX/XX/XXXX about it & XX/XX/XXXX again & they said they would bring it to the attention of the department responsible. Spoke with them again XX/XX/XXXX & they said they were allowed to report the overdue amount in the balance as long as they dont say payments were late. They also showed that my account was in forbearance on all my credit reports. Credit companies said they could do nothing or change any of that reporting. This in turn has completely messed my credit report up & Ive ended up with reduced credit lines & higher interest rates. The reason showing is my loans are too high balances compared to the original amount & theyre over the limit amount. This is the ONLY problem on my accounts! Not to mention other problems Im having w XXXX XXXX holding my sons CD hostage during Covid. Now instead of modifying my mortgage to a lower rate/payment they have put me in a trial 3 month payment for {$200.00}. Less than the original mortgage amount but have told me nothing about what they will be doing with my mortgage & if I will have a lower interest rate & payment after or IF they will be modifying at all! I am XXXX & need help desperately!

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 2024-01-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Unauthorized Hard inquiry from 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 non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: PA
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: TRUIST FINANCIAL CORPORATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/2021 I received a paper checking statement from SunTrust Bank. I had never heard of SunTrust Bank and it was apparent to me that someone opened up the account in my name. I called to inquire on the account. The representative checked the account to make sure that there wasn't any money going in to or out of the account and assured me that SunTrust would freeze the account to assure that no one was able to credit or debit the account and that they would submit the account to their security and fraud department to have it investigated and closed. 

On XX/XX/XXXX I received a second checking account statement from SunTrust. The checking account was still open. And they had included a {$3.00} charge for sending me a paper statement. 

On XX/XX/XXXX I called SunTrust again to see why the account was still open and to dispute the {$3.00} paper statement charge. XXXX from customer service said that the charge would be waived and transferred me to the fraud and security department. The woman who I spoke to said that the account was still open because a case had not been opened in XXXX when I called. She said that the account was frozen. I explained that I didn't want the account frozen, but that I wanted it closed. She again said that they would submit the case to their investigators to look in to the account. I explained that this happened last month but the account was still open. There was nothing that she could do.

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 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XX/XX/XXXX and XX/XX/XXXX, loan amount was incorrectly reported. I have documentation showing a drastic increase in which the company did not provide any updates in writing.

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 2018-06-26
Company: Collection Information Bureau, 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: Information belongs to someone else

Complaint:
I HAVE CALLED THE CREDIT AGENCIES AND THE COLLECTION AGENGIES TO HAVE THESE REMOVED THEY ARE NOT MINE AND I EXPLAINED TO THEM IT IS FRAUD. I HAVE HAD MY SS #, MY ID ALL MY BANK STUFF STOLD AND I KNOW MY INFO IS BEING USED. I HAVE ONE THING THAT SHOULD BE ON MY CREDIT AND THATS XXXX XXXX, I HAVE NOT EVEN APLLIED FOR ANYTHING IN OVER 10 YEARS OR GAVE MY SOCIAL TO ANYONE BUT XXXX XXXX, XXXX AND MY HOUSE I RENT. NOW MY CREDIT IS RUINED BECAUSE OF THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Experian Information Solutions Inc.
State: TN
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 have tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.

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 2021-04-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021. They have reported inaccurate information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2020-02-18
Company: Kriya Capital, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDITOR ACCT SEE ATTACHED LETTER CREDENCE SEE ATTACHED LETTER SUPERVISOR XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX AND TO WHOM IT MAY CONCERN 1.  XXXX XXXX XXXX NEVER INSTALLED XXXX 2. NO XXXX XXXX XXXX EMPLOYEE OR SUB AGENT NEVER CAME TO MY PROPERTY TO INSTALL ANY XXXX XXXX XXXX TECHNOLOGY I CHALLENGE XXXX XXXX XXXX TO SHOW PROOF THAT XXXX XXXX XXXX OR SUB AGENT REPRESENTING XXXX XXXX XXXX EVER CAME TO MY PROPERTY AND INSTALLED THE XXXX TECHNOLOGY. AS THIS DID NOT HAPPEN THIS IS A FRAUDALENT BILLING AND DEBT COLLECTION THESE ARE FACT BASED STATEMENTS, HOW COULD THERE POSSIBLY BE A DEBT FOR ANY AMOUNT MUCH LESS {$600.00} WHEN NO PARTY REPRESENTING XXXX XXXX XXXX INSTALLED ANY SERVICE FOR XXXX XXXX XXXX TO BILL ME ANY AMOUNT OF MONEY? 

I AM REQUIRING XXXX XXXX XXXX & CREDENCE TO IMMEDIATELY RESPOND AND CLEAR THIS MATTER UP AND PROVIDE ME IN WRITING THIS IS A XXXX BALANCE. 
THERE IS NO OTHER OPTION TO RESOLVE XXXX XXXX XXXX BILLING ERROR, ONCE AGAIN BY XXXX XXXX XXXX - TYPICAL XXXX XXXX XXXX IF XXXX XXXX XXXX OR CREDENCE FILES AN ERRONEOUS DEBT ON MY CREDIT I FILE, I WILL PURSUE THIS LEGALLY. 

I FULLY EXPECT AN IMMEDIATE RESPONSE IN WRITING CLEARING ME OF THIS HORRIBLE ERROR BY XXXX XXXX XXXX UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under XXXX XXXX XXXX XXXX XXXX. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Account Name : 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 These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to XXXX XXXX XXXX XXXX. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the 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 explanation
Consumer complaint received 2023-08-12
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX of 2022 I purchased this vehicle from US Auto Sales of Fayetteville NC for the amount of {$21000.00}, with a monthly payment of {$500.00}. When signing this contract I agree to pay additional fees to have a GAP insurance added to the vehicle. However even though I have been paying for it for over a year, XXXX has come out and stated US Auto Sales never paid towards the premium and that the insurance was never even able to be used. This is a breach of contract. Also a total of 5 times throughout the year of owning this vehicle it was turned off by a pastime device and made it where I was unable to crank my car and would be on hold with them for hours to get it turned back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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/2023 I filed a dispute against Walmart with Capital One over an XXXX  car battery that I purchased at Walmart. Under the law, Walmart is required to charge a refundable battery core charge which is refunded when the customer brings in an old battery to recycle. Walmart refused to return the core charge to me at customer service - I even called their XXXX number and nobody would help me, so I reached out to Capital One to file a dispute to recover the core charge. 

Capital One denied my claim when I provided all of the documentation that I had from Walmart. The problem is that Walmart commingles the core charge in with the sales tax on the receipt. I provided Capital One with my breakdowns on the receipt with the subtotal, along with the PA state mandated sales tax of XXXX XXXX. The difference in sales tax between my calculation and Walmart 's number is exactly {$12.00}, which is the refundable battery core charge. Capital One told me my claim was denied because I needed to get a receipt from Walmart with the actual breakdown. How am I supposed to get a receipt with the sales tax breakdown when Walmart doesn't respond to me or want to work with me? Isn't that the point of having credit card protections in the first place??? I also wasted XXXX cents sending my claim in to Capital One because nothing with the claims process was done online, adding more time onto the process. 

I am asking that Capital One refund me the {$12.00} that they are supposed to as it appears they did not even bother to work with Walmart to fix this issue.

Company response to consumer: Closed with explanation