BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
Marcus CD early withdrawal 6 months penalty is too high, a business fraud. 

On XXXX XXXX, XXXX, I opened a CD account ending 8604 with interest rate at 1.98030 % ( 2 % ) for 24 months with an initial deposit of {$250000.00} ( fund was raised from the entire family ). Unfortunately, I had to close the CD account due to family emergency on XXXX XXXX, XXXX. I understand that there would be 2 month interest penalty for early withdrawal but Marcus charged me 6 months instead. I couldn't review any statements after account was closed. Instead of earning interest for the 5 months ( XXXX XXXX ), ended up I had to pay over {$2000.00}. That's a rip off, in sin and unacceptable. Marcus is worse than a loan shark. Is such an illegal activity being monitored by the government?

I strongly believe Marcus is a big SCAM on this penalty. I wish could step in and help to get our hard earned money back. Thanks. 

I was not informed or aware of the 6 months high penalty of early withdrawal and 2 months penalty would be more reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I disputed information that was on my credit report that is not reporting accurately. Experian stated that the outcome of their investigation is that the Bankruptcy remains on my credit report. I called the courts which was the US Bankruptcy Court-XXXX and they informed that they do not verify or validate with the Credit Bureaus. I would like this information removed off my Experian report of the improper sharing by the credit reporting company. Experian could not provide me with copies of any documentation associated with this account with validation, bearing my signature as requested within the 30 days as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ).

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 2018-10-24
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
While in active bankruptcy in XX/XX/XXXX, Nationstar offered us a loan modification that was fraught with problems. We had been in a " predatory, '' adjustable rate mortgage. 

To start with, we didn't receive the offer until the day it was proposed to start, XX/XX/XXXX. 

There were many, repeated inconsistencies and instances of contradictory information involved with the offer, including whether the payments would be interest-only, or principal and interest. Over the next many months, I attempted to verify what the exact terms would be, including start date, payment amount and to where payments should be sent. 

These terms were not clearly defined until the court filings began to discharge the BK in XX/XX/XXXX. In the filing, Nationstar listed the terms as 2 % interest, principal & interest monthly payments of {$750.00} over 262 months, with remaining balance due thereafter. The filed exhibit is attached. 

The discharge was approved by the court in XX/XX/XXXX. 

Since then, Nationstar has filed a motion to reopen our BK case, in order to change the terms from what they have termed a clerical error. The terms listed with the court were delivered to us many times since the original loan mod proposal, both vocally and in writing. 

Nationstar is claiming an arrears we owe, and that amount has never been sufficiently explained to us. In addition to uncollected mortgage payments ( some were returned ),  they claim " legal fees '' and inspection fees, none of which have been clearly revealed. 

In addition, Nationstar is basing the arrears on the pre-loan mod adjustable rate mortgage, not the lower modified payment amounts. Since XX/XX/XXXX, the past due amount has doubled with little or no justification. 

A claim Nationstar has made is that since we defaulted on the XX/XX/XXXX modification by being one month delinquent, the loan mod is void. However, that agreement originally set to start XX/XX/XXXX, wasn't fully executed and delivered until XX/XX/XXXX, leaving us no chance to make a payment in time. 

Further, prior to the full execution of the loan mod, I was told on more than XXXXne occasion that the start date would be pushed a month or two or more ahead. 

We have filed an opposition to Nationstar reopening the BK case to change the terms of the XX/XX/XXXX modification. A trustee sale date of XX/XX/XXXX is on hold, pending a new loan mod application. However, any mod offers since XX/XX/XXXX have offered little to no savings at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: VYSTAR CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX i called vystar Credit union member service dept to send me a new debit card. agent XXXX ordered new debit card i was told in 10 business days. i waited 10 business days.the card never arrived i called the same member services phone number on XX/XX/XXXX i talked to agent XXXX cancelled the order for the card that never XXXX ordered new debit card.i was told 10business days.i waited again.today is XX/XX/XXXX the card still has not arrived. im requesting that the card be sent via 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 2017-05-08
Company: Prince Parker & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The collector keeps referencing a debt with  XXXX   XXXX  for {$210.00} that I do not owe. I currently have    XXXX   XXXX   service with not payment delay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: PNC Bank N.A.
State: OH
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  account number 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On a previously submitted case,  ChexSystems   indicated that they removed any negative information related to me that was involved in my bankruptcy, however, I am still being declined due to information pertained in my ChexSystems file, which is still indicating previous relationships with other FI 's. They have not done anything to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: GA
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:
My credit report was impacted by Equifax date Breach and false information sold and was report to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a refinanced loan with Wells Fargo around XXXX for my XXXX XXXX XXXX under my maiden na.e XXXX XXXX. They made it very hard for me to pay my loan. I had an account with them so I could pay my loan but they kept closing it if it were under a certain amount but that's because I only used it to out the car payment in so that I could then transfer it to pay my loan. Because of this I could only pay by walking in to the bank or mailing a check. 
I then was behind a payment for 30 days but under 60 and a man showed up at my apartment looking for me. He told my roommate he was law enforcement and when my friend asked for a name and badge number he wouldn't give it. I had my boyfriend who was a lawyer look into this and he stated there was nothing on file for me. When I called Wells Fargo about my account they said they've been trying to reach me and even sent someone out to do a courtesy check to make sure I was getting my statements. Which it is completely illegal to impersonate law enforcement. I then traded my car in XXXX and swore never to deal with Wells Fargo ago.

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 2023-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I have made multiple efforts to reach out to capital one for my spark credit card about the status of their inconsistent reporting on MY Personal consumer report! I have attatched proof of almost all details on the account reporting to multiple credit agencies The last time I reached out I was advised thee account was charged off for the amount of {$720.00} and written off. However they are still requesting I pay them. They need to send me a 1099 for the write off.At this point that means the account balance is my income and income Should NOT be reported on my consumer report under my circumstances. I have also sent a complaint to the attorney general hoping to have this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Ocwen Company acquired  my mortgage loan from  XXXX  bank on  XXXX / XXXX / XXXX  with a balance of {$210000.00}. Over  a two  year period  Ocwen has charged me bogus fees and extraneous charges to try and force me to foreclose on my home. Ocwen expects me to believe that my {$210000.00} debt has climbed to {$390000.00} in 2 years. They have charged me foreclosure and property maintenance and other fees for a property that was never foreclosed on and I still  own. I have attached the list of charges. I have complained to the Missour i Attorneys  general office and CFPB in the past. Ocwen should not be allowed to lie, bully and ruin homeowners futures in  this way. I suffered a significant financial hardship after the  XXXX  real estate recession and  Ocwen is  determined to bury me financia lly. Ocwen a greed to use  XXXX   XXXX  dollars to work with homeowners and during that time they proceeded to offer me a underwater loan modification . Ocwen told me  that the investor of my loan did not participate in principle reductions. They told me that  XXXX   XXXX   XXXX  etc owns the loan. When I contacted the investor they said they have nothing to do with the day to day mortgage servicing and they do not prevent principal reduction modifications. I can not tru st Ocwen as m y mortgage servicer.

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 2018-10-24
Company: Experian Information Solutions 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:
XX/XX/2018 Pursuant to a dispute of the date of a Chapter XXXX bankruptcy filing, Experian declared they contacted the company reporting the information an ( unnamed source ) verified the information. 

Pursuant to FCRA, Section 609 a ( 2 ) I am requesting written proof of the verification of the Chapter XXXX bankruptcy if this is not provided the bankruptcy must be deleted. Pursuant to FCRA, this information must be provided within 15 calendar days, if Experian does not, it is a violation of the FCRA and the entry must be deleted.

Pursuant to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of the reinvestigation. I am requesting a written description of the procedure used to determine the accuracy and completeness of the information provided to EXPERIAN, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

It is without dispute FCRA requires the furnisher of the information must ( in
this circumstance ) be directly from the UNITED STATES BANKRUPTCY COURT XXXX  DISTRICT OF FLORIDA, not a third-party agency to verify disputed information.

Attached is the investigation results of the Experian report and a copy of this document. 

Regards, Mr. 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 explanation
Consumer complaint received 2023-08-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Regarding inaccurate Hard Inquiries that had been run into my credit report without my acknowledge or permission.

I have Identified herein the items that I am disputing ( Identify as Disputed items ) here is the company name. I never signed or had a record voice given my permission to run my credit and affect my credit with a Hard Inquiries causing my to reject me to any application for a loan or a credit card application. 

My Credit profile is clear and As personal statement ( ALERT : FRAUDULENT APPLICATION CALL BEFORE RUNING THE CREDIT. 

ATTACHED YOU FIND A COPY OF MY STATEMENT.

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 2023-06-07
Company: Experian Information Solutions 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:
I have sent in disputes and also a debt validation letter. Included will be the mail tracking number and documents that were received from them in correspondence to the debt validation. The information they sent does not suffice a validation of a consumer or credit debt that I owe. The company XXXX XXXX XXXX XXXX, account # : XXXX is reporting on multiple credit bureaus inaccurate information. 
Certified mail receipt tracking # XXXX Date : XX/XX/2022 No documents that were included were the required documentation to validate a debt. 
Included will be all documentation received from XXXX XXXX XXXX XXXX. I would like to also be compensated for the multiple violations committed by company XXXX XXXX XXXX XXXX and or Experian. 
{$1000.00} per violation under 15 USC 1681 ( a ) ( 1 ).

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 2017-04-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have for the past year disputing this account have sent them several certified letters as well as Identity theft information showing that the account was not mines. However they sent me a check showing a payment that was made with my name on it from another closed bank account that was closed because of the same Identity theft reason. I am trying to get this resolved once again and the company has not been helpful even after verifying everything asked of me.

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 2022-12-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited my check from an an account closure check I received from XXXX after contacting the Consumer finance protection Bureau to my capital one savings account and a few days after i received money back from a reversal from when I got hacked. They froze my account and told me to call them. I asked them to verify my funds and they told me theyre closing my account and that they will issue my balance basically whenever they feel like it. This feels like abuse now. Something does not feel right and Im going to find out. This feels extremely discriminatory especially with who I was speaking to on the phone. Now I have to wait for my money another month because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This company above reported me to XXXX for collection, which I don't have any account with them. however basis on the information from XXXX Original Creditor was XXXX XXXX XXXX. which I closed the account with them. The chat transcription with XXXX XXXX XXXX was the account closed and XXXX due or any amount. I have the transcription for dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: NE
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-05-01
Company: AFNI INC.
State: MD
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 XXXX I contacted XXXX to dispute XXXX fraudulent collection accounts under my name that are currently affecting my credit score negatively. Those accounts are not mine and I have not inquire services from those companies. I also contacted the collection agency AFNI , INC, to report the accounts and remove it from my files. They created a report and communicated that they will contact XXXX, mobility to report the account that currently owes {$2300.00} and urged me to contact XXXX as well, and so I did. I have also contacted XXXX XXXX to report the fraudulent account that currently owes {$5100.00}. 
In the past I have been a victim of identity theft and have had multiple fraudulent accounts opened under my name. I have tried getting a police report for this and they stated that because there was no physical damage or visible crime, they were unable to provide a report. Therefore, I am requesting assistance and would like to issue a report.

Company response to consumer: Closed with explanation