BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My XXXX  company notified me that my bank returned a XXXX  payment due to insufficient or uncollected funds. I spoke to multiple managers from Marcus by Goldman Sachs, who shared that this was incorrect and that I had the balance to cover the funds. My XXXX  company was able to provide me proof that the funds were returned. This resulted in me paying a XXXX NSF fee, a {$150.00} late fee, and a XXXX dollar credit card processing fee. I have been waiting several weeks for a representative to contact me. At this point, I request that Marcus cover the charges for the fees charged due to their returning the funds. 

The managers spoken to : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX All of my attempts since XXXX should be documented at Marcus since the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Home Depot is reporting an alleged late payment from 2019 to third parties, and this information is inaccurate. I have requested that this information be removed on several occasions via phone and letters. If Home Depot believes that this information is accurate. I'm requesting to be provided with proof in accordance with UCC 9-210 " Request For Accounting ''. Account statements will not suffice.

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 2024-01-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On the statement, a notice appeared stating that if I wanted to switch cards to a no fee card, I could call them and do so. When I called I was told that I needed to " apply '' as a new customer, but with a notation on my account that my existing credit line would automatically go to the new card. I did that, and the application was rejected. Barclays told me that I could switch cards, then after I asked to switch I was rejected. I sent two letters asking for an explanation, and received ZERO replies. The letters are attached.

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 2023-11-01
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received a call and message stating XXXX was trying to verify an application that I did not start. I called this number after listening to the message ( XXXX ) XXXX the person stated incorrect address, incorrect phone number the person used. Requested my email address that I refused to give him but the email he said ended in 4 letters that was not mine. I am concerned now, be they had my correct phone number to call me, but stated a deferent on the application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company is claiming that I owe them a debt, but this debt is in reference to identity theft ; the company first placed the debt on my credit report in XX/XX/2023 and claimed that I owed them {$5000.00}, and I just recently saw my credit report and the amount of debt has changed from {$5000.00} to {$4900.00}, and now it says I owe them {$50000.00} all of these amounts are false claims ; as I have been a victim of identity theft in the past. I also sent them a NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM letter by certified mail most recently as of XX/XX/2023 as well ; and I am waiting for the reply back from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, 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:
The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Dispute of Inaccurate Reporting and Request for Investigation Dear Sir/Madam, I am writing to file a formal complaint and request an investigation into an ongoing issue related to my credit report. This matter pertains to a charge-off account placed on my credit report by XXXX, a creditor, which I believe to be inaccurately reported. This inaccurate reporting has adversely affected my reputation and is preventing me from accessing reasonable and adequate lending opportunities, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have taken the following steps to address this issue : 1. I have submitted multiple disputes with all three major credit bureausXXXX  XXXX, and TransUnionregarding the disputed account. Despite these disputes, I have not received a response detailing the method of verification and validation of the debt, as required by the FCRA. 

2. I have also attempted to resolve this matter directly with XXXX, the creditor in question, but have not received a satisfactory response or resolution. 


Given the persistent inaccuracies in my credit report and the failure of both the credit bureaus and the creditor to provide adequate documentation, I am left with no option but to escalate this matter to the Consumer Financial Protection Bureau for further investigation. 

I kindly request the following actions be taken by the CFPB : 1. Initiate a thorough investigation into the reporting practices of XXXX regarding the account in question. 

2. Request XXXX to provide a detailed method of verification and validation of the debt, as required by the FCRA. 


3. Demand an immediate removal of the inaccurate reporting from my credit report, as it has caused harm to my creditworthiness and reputation. 

I have attached copies of all dispute letters previously sent to the credit bureaus and the creditor for your reference. 

I am also open to discussing this matter further and providing any additional information required to expedite this investigation. 

Thank you for your prompt attention to this matter, and I look forward to a timely resolution. Please feel free to contact me at XXXX or XXXX to discuss this further. 

Sincerely, 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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, My mortgage account XXXX was transferred from XXXX XXXX to XXXX. 
I found out about the transfer upon logging into my XXXXXXXX XXXX account and seeing the loan was transferred notification with no any further information. 

Ive made XXXX attempts to reach out to Mr.Cooper via phone, app and email to find out who the new company was in order to make the payments and no such information was provided. 

XXXX point failed to send a customer notification to inform me that they are in a possession of my loan. 

They failed to send me any information AND any of the invoices. No any communications were received even though customer service rep confirmed over the phone they had my email and phone number all along yet no attempts were made to contact me. 
Instead they falsely reported my account to credit bureau while failing to send an invoice. 

I found out my account is past due yesterday upon receiving email from XXXX credit services. 

As a result of failure to follow legal requirements and promptly inform the consumer of the loan transfer and send timely invoices, XXXX XXXX caused my XXXX XXXX to drop from XXXX to XXXX. 

I expect company to take responsibility and remedy the damages they have caused. 

Im looking forward to your timely response. 

Kind regards, 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 2023-12-20
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX owes you {$3000.00} the dealer and I agreed to finance {$13000.00}. They added on warranties not under disclosure. I have documents to prove. The buy rate was set at 21 % interests. I agree to the loan amount with XXXX XXXX for {$13000.00} In violation of US COde 1662 B. XXXX XXXX I refused any warranty. I have receipts the dealer asked me to put up {$3000.00} towards the loan amount.? the Balance is incorrect. The dealer warranties include {$310.00} key protection. ( returned ) {$990.00} Dealership paint package. The amount financed is now listed on my bill as {$16000.00}. Balance should deduct all taken in cash illegally. {$12000.00} should be the tinder amount owed. Collect your money from the dealer. I would like this balance to be reported to my consumer report. Ally has not reported to any bureaus. I have made notice of the dispute for incorrect balance once ALLY post. With this information Ally has time to make it right by correcting the balance and due date before they make a report on my consumer profile. I will monitor all activity with XXXX and XXXX. 

This contrat Interest with ALLY should be nullified. This mistake is going to harm the original interest amount agreed upon by the dealer. This is my consumer report and I have to report inaccuracies in the balance from ally auto. XXXX XXXX added these charges to me {$3000.00} + XXXX key warranty XXXX XXXX XXXX XXXX. Ally Financial does not have the copy of lean, copy of registration, copy of title. When I called to confront I was ignored. It was not disclosed this amount to be financed as {$16000.00} at 21.49 %. Ally Finance does not know the terms of the contract. the correct balance should be XXXX after dealership theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: CMG MORTGAGE, INC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On or about XX/XX/XXXX, I reached out to CMG Mortgage regarding a late notice I received from the county stating my property taxes were past due. My taxes are paid in escrow. After speaking with XXXX in the escalation department, he stated that I did not inform them of a PIN # change. I was never made aware of a PIN change. I went to the tax assessors office and was told the PIN number has changed. However, it is still tied to the original PIN number on my closing documents. The rep also informed me that if the mortgage company had paid, funds would still be applied. I learned the taxes were only paid once since we closed on the condo XX/XX/XXXX. After speaking with XXXX, XXXX and XXXX all on separate occasions, I was informed there was nothing they could do. I explained I received a check in the amount of {$3600.00} in XXXX stating there was an overage in my escrow account. Funds have since be advanced to the county. The mortgage company has stated I am responsible for the late fees assessed by the county. I think the mortgage company is responsible for the late fees as they did not pay on time. In addition to all of this, CMG has increased my mortgage payment from {$1600.00} to {$2900.00} per month, which I am unable to afford. CMG should not be absolved from this mistake. Lastly, I've made several calls since to speak to a manager/supervisor and am continuously told there is not one available. Or, I call, they'll put me on hold and then hang up. My next recourse is to consult an attorney. Any help you're able to provide is greatly appreciated. Kind Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit 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:
I have received a pre-approval letter from Chase for an XXXX sponsored credit card. I sent in the application, and immediately was notified the approval was good, and the card was sent. A few days after activation, the card didn't work. I received a physical letter from Chase that the account has been closed. They have provided no information about the decision. This is damaging to credit reporting due to opening and closing too many cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: CA
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:
The following accounts are fraudulent and unauthorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
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. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: In progress
Consumer complaint received 2023-11-19
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:
Portfolio recovery never validate this debt due to fact I had certain protections while on XXXX XXXX. The original creditor never complied with notifications to reduce the interest to six percent. XXXX has been advised the original creditor reported this account past due in XX/XX/2016 and this account had been reported negatively past 7 years

Company response to consumer: In progress
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: CA
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:
I am a natural person, I am a living being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$560.00} Amount {$560.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$120.00} Amount {$120.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$440.00} Amount {$440.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2500.00} Amount {$2500.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX Possible financial Original amount owed XXXX XXXX XXXX XXXX Dispute this account Original amount owed XXXX $ Dispute this account XXXX inquiries I dont recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please dispute all of these inquiries And all old addresses and names that dont say XXXX XXXX XXXX Dispute these names and addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-27
Company: FREEDOM FINANCIAL NETWORK
State: FL
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
Hello, I hope this message finds you well. I am writing to bring to your attention a pressing matter regarding a debt settlement agreement that appears to have been mishandled by Freedom Debt Relief ( FDR ) and its affiliated companies.

Six months into my dedicated account with FDR, I was directed to XXXX XXXX, who proposed a loan through XXXX XXXX  to settle thr
ee credit cards. Regrettably, the subsequent contract from XXXX XXXX failed to specify the inclusion of all three cards. Consequently, my credit report now indicates an outstanding balance of {$6000.00} for XXXX, one of the originally enrolled cards. 

Upon contacting the XXXX XXXX XXXX XXXX XXXX, responsible for XXXX, I learned that FDR failed to fulfill the settlement agreement of {$2400.00} proposed on XX/XX/XXXX The settlement was never executed, rendering it void. 

I have diligently paid XXXX XXXX  every month, believing that all three cards were included, only to discover that they are handling only two of them. I urgently seek your assistance in facilitating an escalation with FDR and Achieve to rectify this misleading situation and ensure the settlement of the pending XXXX balance on my credit reports. 

Your prompt attention to this matter is greatly appreciated, and I look forward to a swift resolution to restore accuracy to my credit profile. 

Sincerely, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 response to consumer: In progress
Consumer complaint received 2023-12-08
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rented an apartment for my daughter for her senior year at XXXXXXXX XXXX. I signed a 1 year lease from XX/XX/XXXX through XX/XX/XXXX. My daughter graduated in XX/XX/XXXX and I notified " XXXX XXXX XXXX XXXXXXXX XXXX '' that I would not be renewing the lease come XX/XX/XXXX. Mind, during the time their were a couple of months were I was late on the rental payment and the XXXX reached out if I was a day late and until I learned how to use their payment portal, I paid over the phone with a credit card. 

We cleaned out the apartment over the summer of XXXX and come the end of XXXX, turned in the apartment keys to the onsite management office. 

A year goes by and I start getting collection calls and letters from National Credit Systems , Inc. stating that we owe {$3800.00}??? ( Client Acct # XXXX and NCS Acct XXXX XXXX? ) XXXX XXXX ( landlord ) never reached out to me saying that I owed that money! They were real quick in contacting me during the year my daughter was there if I was late on the rent but no reach out after we left. They should have sued me and I would have met them in court! 

This is now on my credit report!!! 

Is there anything that can be done to resolve this?

Company response to consumer: In progress