BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: FL
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed 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 2020-06-16
Company: Orions Management Group, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Man called both my brother and father claiming to be from a real estate agency demanding to speak to me. Caller demanded I call back XXXX. I then received a call and voicemail from this same number stating to return his call with no reason for returning the call or why he is calling. They are threatening me about documents sent to my home which I never received. I am being threatened with legal action. They are rude and I did not give them permission to call any family and/or friends.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Zillow Group Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
XXXX XXXX, indicated how he and his underwriting software used estimated monthly mortgage payment to determine my DTI. I provided his with CFPB 's article on how to calculate DTI and explained that the total debt divided by income is how you come up with that ratio. Which if he considered the information on my report, it would have been 36 %. I asked him to reconsider his calculations. I also informed him with documentation that the debt belonging to XXXX XXXX XXXX reported on my credit report was an error because that account been was paid in full. I asked him to regenerate a preapproval without that debt and he insisted that he stood on the calculations he used and was not changing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: AL
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
The company is XXXX. I paid {$500.00} dollars and I just wanted my refund. They stole the money, I had insurance for the medical bill. The number is inactive now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I received an email from a service, XXXX XXXX XXXX, associated with AMEX. I have a credit card with AMEX and apparently AMEX does business with this " XXXX XXXX XXXX. '' My XXXX XXXX sent me an email " alert '' stating that my " Address associated with my social security number has been changed. '' I was not aware of this service XXXX XXXX XXXX  until I received the email, which had AMEX 's logo all over it. There was a phone number in the email and a hotlink to click to " Log In. '' I know better than to click on a hotlink in an email so I called AMEX fraud and she told me the notice came from XXXX XXXX XXXX who is the agency AMEX does their credit protection and reporting services through. She verified the phone number to call XXXX XXXX XXXX which was the same number in the email I received. That is the number I called today and I spoke with " XXXX. '' She said my social security address was " associated with an address In XXXX VA. Have you been to or lived there? '' I said I had visited there but what did she mean associated with my social security number? '' She could only repeat " associated with. '' Once I realized this whole thing was a marketing ploy using scare tactics about an address change that didn't actually happen I asked to speak to a Supervisor. She, of course, stated that no supervisor was available. This type of scare tactic marketing should, in my estimation, be illegal and a finable offense. I hope the FTC follows up with AMEX and XXXX XXXX XXXX. The number is XXXX for AMEX " Credit Bureau Unit '' which connects you to XXXX XXXX XXXX or XXXX which is the number that was in the email I received which also connects to same line and prompts at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: WA
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 many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Credit Karma, LLC
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hey My name is XXXX XXXX, I bank with credit karma. But a week or two ago I lost an dispute with the fdic but thats okay, the problem is my account with credit karma is frozen I have bills to pay i have {$1600.00} in this account I need that is frozen the fdic said the account would be locked but they can have the account I just need my funds a couple problems on the account I cant make changes to is a mailing address if yall were to mail a check my new address for the check would be XXXX XXXX XXXX XXXX Alabama XXXX. For my funds I would like for you guys to unfreeze it an let me transfer it off. Or mail the check to the address thats mention in this statement. I need funds off the account asap

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have been making additional principal only payments on a mortgage that was sold by Bank XXXX XXXX to Mr. Cooper/Nationstar and it was changed somehow without my signature from a fixed interest rate note to variable interest. Once I discovered they can raise my interest rate every year, i began making additional payments with Notes in the check/payment envelopes that the entire check was to go towards principal of note only. ( I am on auto payment system for the regular payment per month ). The last 3 months they have applied my payment towards Future Interest instead of applying the payment towards principal on the day received and processed. So in a sense, they are not paying down the principal of my note with the entire extra payment as I directed them to do. It is also making the pay-off of the note greater than it should be because of the time that has gone by being applied to future interest instead of principal. I have had to call them every month for the past 3 and ask that they apply payment correctly. They do not. and then i get the statement the following month and see they didn't correct it and that they again misapplied the principal payment ( and the auto payments are not recorded on statement either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A lady had told me that I owed a debt to a bank at XXXX XXXX and it was charged off in 2015 which is not true we. Currently have a bank account with XXXX XXXX and at paying the debt to a different creditor this person is also telling me that they will hold and cease some funds and other banking and threatened that she will turn me into some kind of check systems and other forms of threatening me to pay them directly in not contact. The original creditor which I have and none of this is matching up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Bank of America and I have talked about how their representatives told me what I owed back in XXXX 2016 and after paying what they said I owed, they reported me 30/60/90 days late, knowing full well this was false. I was misled and now they are purposely reporting false information as some type of retaliation for what reason I have no idea. Bank of America 's customer service is horrible and they are misleading credit agencies by using all the reporting agencies to punish me for something I did based on what THEY told me to do. It makes no sense!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Recently, I did an investigation on my credit report which coused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2019-08-07
Company: Lendmark Financial Services
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
lendmark financial has been approached by us about lower payments due to the stress of changing income source.XX/XX/19 they lower the payment {$30.00} per month, added two insurances that we don't need, and did another hard pull again on our credit report too. that did not help that much. payment is XXXX now for an 2007 XXXX that has been sitting due to it is not safe to drive anymore for more than six months. we still had to obtain another vehicle just to get back and forth to work. rent is XXXX now, lights, insurances, groceries, credit cards and the children supplies. 35.99 % daily is entirely too much. we are drowning trying to keep our credit for a first time car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Advance America, Cash Advance Centers, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a payday loan almost a year ago. Advance America has been harassing me via phone for 2 months. They call from different numbers or even their personal cell phone numbers and call from out of state numbers. Multiple times per day impending my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-07-22
Company: SYNCHRONY FINANCIAL
State: IA
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/2022 I purchased 2 suits on XXXX totaling {$470.00}. I subsequently returned both suits to XXXX because they did not fit. on XX/XX/2022 I was refunded for one suit totaling {$230.00} to my Dick 's Sporting Goods Credit Card. I call XXXX customer service let them know they had only refunded me for one suit even though I returned both suits. The agent I spoke with said he issued the remainder of the amount to be refunded and it would be credited to my Dicks credit card in 4-5 business days. The refund never came through so I filed a dispute with Dicks Credit card. XXXX then issued the refund on XX/XX/2022. The charge was later rebilled on XX/XX/2022. I call XXXX once again on XX/XX/2022 and the agent indicated that because they had already issued the refund and Dicks rebilled it that I now had to take it up with Dicks. That same day I called the customer service number on my Dicks statement and was rerouted 7 times by the agent I spoke with claiming it was the wrong number to address my issue. I was looped back to the same agent repeatedly who insisted that he was unable to help me. I still need to be refunded the remaining {$230.00} by Dicks Sporting Goods. 

I also paid my bill on time by XX/XX/2022 and have the confirmation email to prove it and it shows online that my bill hasn't been paid and is late.

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 2023-11-23
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I checked my account and discovered 3 transactions that were not authorized by me to an account I know nothing about. I immediately called Marcus By Goldman Sachs to report the theft. I reached out to the Goldman Sachs bank after the business hour, but the 24-hour, 7days week customer service line did not file my claim immediately. 
I had calling back to Goldman Sachs bank the next day, XX/XX/XXXX morning. The investigation started. On the same day, the old accounts ending in XXXX and XXXX were frozen for any further transactions. New accounts were opened. On the same day, the password of the online banking was updated by me. 
XX/XX/XXXX, I called Goldman Sachs bank to follow up on my investigation status. This morning, two account specialists told me, my investigation was denied. This is the final result, and no further investigation will be done, they told me. The same day, I called Goldman Sachs Bank requesting a supervisor. The dispute team supervisor, XXXX, confirmed that the previous two account specialists provided me an incorrect information. My dispute is still in the investigation status. Not completed it yet. 
XX/XX/XXXX, the email address as a username of the online banking was updated by me as well. I requested Goldman Sachs bank 's dispute department to keep locking my online banking for security. 

The account to which the money was transferred is listed as " Internet transfer to XXXX XXXX XXXX XXXXccount XXXX ''. 
This is not my husband 's name or under my name bank account. XXXXXXXX XXXX confirmed. 

The claim number at Marcus is XXXX XX/XX/XXXX, dispute department supervisor XXXX confirmed my signed form for the dispute agreement was received. XXXX confirmed that my dispute is still under review. 
On XX/XX/XXXX, Goldman Sachs bank called and notified me that the investigation would take longer than 10 business days and it takes up to 45 days instead. On XX/XX/XXXX provisional credit of {$8300.00} was provided to XXXX of the new accounts. I have received a letter of provisional credit notification the following day. I requested Goldman Sachs bank 's customer service to unlock the online banking for me to make an external transfer to my other bank account and empty the account. However, they politely stopped me from making any external transfer at this moment on XX/XX/XXXX and XXXX, both days. The customer service told me, I needed to wait for the investigation completion notification letter to do anything with the fund. My occupation is a banker. My understanding is that I should be able to access my banking transaction with the provisional credit while the claim is under investigation. But the customer service did not help me. 
As of today, XX/XX/XXXX, I am still waiting for the investigation result with the permanent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: HW Holding, 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: Account information incorrect

Complaint:
Hunter Warfield is reporting inaccurate/unvalidated/unverified information to my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. Hunter Warfield has failed  toVALIDATE WITH PROOFand provide me documentation on file that proves the account is accurate. Hunter Warfield has not heeded to myrequest for their METHOD OF VALIDATION as to how they determined & acquired the debt, nor have they deleted the inaccurate unverified accounts from my XXXX   credit report. During a previous investigation their reportorting was found inaccurate/invalid/unverified and was deletedfrom my XXXX  file in XX/XX/2019 ( see page 14 of attachment titled " XXXX '' ) I am requesting that the account is deleted immediately

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: AXOS FINANCIAL, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
The XXXX account was opened on XX/XX/2022 with the XXXX promotion code ( {$300.00} bonus ). I met the deposit requirement on XXXX but the bonus never appears. I was told by customer representative about the XXXX day waiting period. However, the account is closed now without any notice, and it is obvious that no bonus will be posted to a closed account. I would like to reinstate the account and get the bonus as advertised.

Company response to consumer: Closed with explanation