BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am writing to formally lodge a complaint against Apple Card and its banking partner, Goldman Sachs, due to the inexplicable and repeated restrictions placed on my Apple Credit Card and Apple Savings Account. The restrictions have not only caused me undue stress and inconvenience but have also resulted in the unwarranted withholding of my own funds. 

Starting from XX/XX/2023, my Apple Credit Card has been restricted three times, with each instance leaving me in an extremely difficult position. Subsequently, my Apple Savings Account was also restricted. Upon contacting the company, I was informed that my accounts were under review, a process they claimed would take a maximum of ten business days. 

However, today marks the end of the third week since the initial restrictions were placed, and no resolutions have been offered or intimated to me. I have made numerous attempts to rectify this situation through Apple Card 's customer service and the corresponding department, yet these attempts have proven to be futile. My requests for a legitimate reason for the restrictions imposed have been consistently ignored or inadequately answered. 

Despite my diligent efforts in escalating my case four times in conjunction with both Apple Card and Goldman Sachs ' team, the responses I received were generic and non-committal. This lack of concrete communication and action from their side has put me in an undesirable position where my own funds are effectively inaccessible to me. 

Thank you in advance for your prompt attention to this matter. I trust that you will act decisively to uphold my rights as a consumer and help me regain control of my financial resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
the credit bureasus stated my account was properly investigated but how is that possible if my my balances are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds 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 A. it also states a consumer reporting agency can not furnish a account without written instruction Also the credit bureaus took more then 30 days to complete my investigation. 

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 2023-12-01
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this collection company has put this allaged debt on my consumer file without provideing and validion that i owe them any such amount futhermor under FDCRA laws 15 usc 1682 g no valadion that i even did business with this company this is not a verifaction request this is you have violted my consumer rights by obtaining my personal information without my consent futhermor 12 ufc 1006 this is agaist the law and my consumer rights and must be deleted from all bureaus now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. 

I will provide proof of tracking # numbers sent certified mail transunion # XXXX XXXX # XXXX XXXX # XXXX along with the most recent credit report pulled highlighting all of the inaccurate accounts still reporting along with the previous credit report pulled prior requesting the bureaus to modify and or delete accounts that are not reporting accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- REAL ESTATE LOAN 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$560.00} ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/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 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2023-12-01
Company: Fidelity National Financial, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My home mortgage is through Fidelity National Financial, and their XXXX site has been down all week ( I've been trying to access the site since Monday, XX/XX/2023 ). Their website is the only way to make my monthly mortgage payments. I have a payment due tomorrow ( XX/XX/2023 ), and no way to make the payment. 

From what I've been reading, they received a cyberattack and shut down their site for a couple of weeks now. I have received no communication from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Elevate Recoveries, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
First off the company began calling me so much it felt like harassment and on every call I would let the rep know this was not a debt I owed and to please stop contacting or to send detailed info of the account to my address and I have yet to receive but the company had reported it on my credit. They stated a date of 2014 when I had not been to any doctor visit I was actually off in college that year

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: LEXISNEXIS
State: NH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I submitted a request to LexisNexis for my annual copy of the consumer report maintained and distributed by their business XXXX days ago via Certified United States Mail ( signature confirmation ). I have yet to receive this information. 

I previously opened complaint XXXX regarding this issue. 

LexisNexis appears to have misunderstood the nature of the complaint. I am requesting a copy of the report branded as 'XXXX ' that pertains to me, which LexisNexis sells to businesses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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. Capital One XXXX XXXXXXXX, has violated my rights. 15 U S C 1681 Section 602 A States I have 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 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Volvo Car Financial Services U.S., LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
We had a lease of a XXXX XXXX, beginning in XX/XX/XXXX. My husband incorrectly believed he had set up direct deposit for recurring payments to the lease. On XX/XX/XXXX, we noticed the car was no longer parked on our property and learned it had been reposessed by Volvo due to lack of payment. My husband called and said we would pay the amount owed ( {$5500.00} ) as well as any penalties for our mistake.

We were then informed by Volvo that they had tried to contact us ( one letter and one phone call ) and we must pay off the call in full, or it will go to auction. We never received any letter detailing this and my husband answered the call, said to call back as he had a work call, they did not detail what it was about and did not call back. 

We are in possession of a letter, which we faxed to the leasing agent, which is an invoice for lease payments ( {$4300.00} ) plus a {$60.00} late charge DUE XX/XX/XXXX. Our car was seized from our property 5 days prior, on XX/XX/XXXX. 

We faxed this letter to the leasing company and have tried repeatedly to speak with a supervisor, who is always " busy '' and whose line or direct contact information has not been made privy to us, despite numerous requests. 

The most recent communication we had was outlining $ XXXX with only a {$60.00} late charge, now we're being told we must pay $ XXXX or have the car go to auction- at which point we will be responsible for any balance under a selling price of {$65000.00}. The punishment far outweighs the " crime '' and we are asking for help in negotiating that we settle up at the requested {$5500.00}, have our car returned to us, and restart our lease with autopay correctly setup.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello, I called the creditor ( XXXX  XXXX ) about 3 unauthorized inquiries. They said that they informed the 3 credit bureaus to remove the inquires and its been past 90days and they haven't. I called and got NO HELP. The dates are XX/XX/XXXX, XX/XX/XXXX & XX/XX/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 2021-02-12
Company: Collins & Hilton Asset Group, LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I DO NOT ACKNOWLEDGE OR OWE THIS DEBT. I AM A XXXX XXXX XXXX XXXX AND XXXX XXXX PERSON AND I DO NOT OWE THIS DEBT.THERE IS NO CONTRACT AND NO DEBT. THIS DEBT IS WRONG I DO NOT ACKNOWLEDGE IT OR ANY AMOUNT AND IT NEEDS TO BE TREMOVED!! THIS COMPANY PLACED IT ON MY CREDIT REPORT AND I NEED IT REMOVED IMMEDIATELY. THIS IS NOT MINE AND THEY HAVE NO PROOF OF THIS DEBT IT NEEDS TO BE REMOVED IMMEDIATELY. I HAVE REPORTED THIS AWFUL EVIL COMAPNY TO THE CFPB, THE ATTROEMNY GENERAL, THE FTC, THE XXXX AND I WILL PURSUE LITIGATION IF NOT REMOVED.I DO NOT ACKNOWLEDGE THIS DEBT AND IT NEEDS TO BE REMOVED IMMEDIATELY. THIS ALLEGED ( I DONT ACKNOWLEDGE ) DEBT HAS BEEN RE-AGED TO MAKE IT APPEAR YOUNGER WHICH IS ALOS ILLEGAL!! THIS COMAPNY DISCRIMINATES AGAINST AND HATES OUR NATIONS WOUNDED WARRIORS AND IS PREVENTING ME FROM GWTTING A ROOF OVER MY HEAD. I AM XXXX AND THIS COMPANY IS XXXX XXXX PERSONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was granted forbearance due to COVID-19 as of XX/XX/2020. In general, my mortgage statements since then do not make any sense and I am trying to obtain explanations/clarification as I do not feel bookkeeping of the account is accurate. Below are a list of my grievances. I have tried contacting Carrington Mortgage Services several times over the last 5 business days and, each time, am automatically disconnected after a recorded message stating, " We are unable to assist at this time due to large call volumes ''. 

1 ) My XX/XX/2020 statement ( first statement of forbearance ) HAS A LATE FEE OF {$45.00} ON IT. Again, I am in forbearance. 

2 ) The XXXX and XX/XX/2020 statements have a DELINQUENCY NOTICE ATTACHED STATING, " YOU ARE LATE ON YOUR MORTGAGE PAYMENTS. FAILURE TO BRING YOUR LOAN CURRENT MAY RESULT IN FEES AND FORECLOSURE - THE LOSS OF YOUR HOME ''. Again, I am in forbearance. 

3 ) I have been submitting escrow only payments during forbearance ( as I was previously told was acceptable ), however, there have been " unapplied funds '' on both the XXXX and XX/XX/2020 mortgage statements. The most recent statement ( XXXX ) indicates that previously unapplied funds are being applied to principle, interest, and escrow. 

4 ) For some odd reason, both my XXXX and XX/XX/2020 statements show the same amount due ( despite partial payment for escrow only being made ). 

5 ) On XX/XX/2020, I submitted a " forbearance update '' online at the request of Carrington. I received an on screen message which stated that the forbearance was being extended by 90 days. I have yet to receive anything formal stating such and in my online account it still shows as forbearance ending on XX/XX/2020. 

6 ) In early XX/XX/2020, a Carrington rep told me that I would be informed of what options will be available to me at the end of my forbearance period in XXXX XXXX have still not been informed of what my options are at the end of the forbearance period. Carrington has previously told me that I may be required to pay all missed payments at once at the end of the forbearance. Several of my colleagues and friends have told me that their banks/loan servicers have already informed them of what their options will be at the end of the forbearance ( and it's not repaying all missed payments in full ). 

In summary, I do not think Carrington is being honest or accurately maintaining my loan. Quite honestly, I think there is some nefarious activity going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: GA
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:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/XXXX  I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/XXXX  I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXX XXXX  states they have no record of it yet they are appearing on my Transunion account. XXXXXXXX XXXX has submitted a dispute and XXXX XXXX XXXX has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires. 
The following is appearing on my credit report XXXXXXXX XXXXXXXX XXXX XXXX XXXX ( Never authorized or requested ) XXXXXXXX XXXXXXXX XXXX Dealer Services ( Never authorized or requested ) TransUnion XXXXXXXX XXXX  XXXXXXXX ( Never authorized or requested ) XXXXXXXX XXXXXXXX XXXX  ( Never authorized or requested ) XXXXXXXX XXXX XXXX XXXX- ( Never authorized or requested )

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