BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: American Credit Acceptance, LLC
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This complaint is for Barclay 's US bank ( Barclays Bank Delaware in XXXX DE ). I have multiple complaints about this back including : 1 ) Gross misrepresentation of the US Patriot Act in an apparent effort to illegally freeze accounts and or account access of US citizens.

2 ) Breach of contract for it's certificate of deposit holders 3 ) Failure to provide the legal documentation for accounts ( deposit certificate, statements, forms to close account, etc ) to US account holders, even after being told to do so over a dozen times.

4 ) Theft of the funds held in my account from me. 


I have contacted the bank over a dozen times over the past month and several other times in the past ( Supervisors XXXX XXXX, XXXX XXXX, et al have been involved in some of these requests ). They have been informed that they are in breach of contract by freezing my account and/or access to my account which I opened 3 years ago. I have told them numerous times that I never received any information in the mail at my legal address about my account, that they never even sent me an account number for my account, and that I find them in breach of contract. 

This bank is horrible and they are risking financial misery of all their US clients by grossly misrepresenting the US Patriot Act. They have stated to me that they can freeze accounts purely because a customer does not wish to risk his/her identity security by giving out confidential information over the phone each and every year to avoid freezing their accounts, and they are doing this only to have the customer prove that he/she is the same person and has not moved since last year. I know of no other bank in the USA that acts in such an extreme and radical manner. They have no basis or evidence to suggest any of my information has changed ( I still have the same name and reside at the same home, which I also own and the public records proves that ) and yet they are freezing accounts and refusing to send the account documentation to the account holder 's legal address - and even after they have been informed that said account holder wishes to close their account immediately and requires the necessary forms to do so. 

I have had this account for 3 years and even though I have complained many, many times they have not sent me one acknowledgement of the account with an account number or one statement.

I hereby request that the US Gov't investigate the practices of this bank. Every bank that operates in the United States mails a certificate of deposit statement, account statement, etc to the mailing address on record for the account yet this bank refuses to do so.

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 2019-08-26
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.

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 2023-08-15
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had a savings account with marcus by goldman sachs. On XX/XX/XXXX i initiated a transfer of funds to a checking account and they said it went through. A week later ( XX/XX/15 ) the funds still didnt transfer and i really need the money. I try to log in to my account but it got locked. I call ( XXXXXXXX XXXX ) and was told it was locked and the transaction reversed. They refuse to unlock my account or close it bc i need to speak to a specialist. I cant access my money or close my account and i am really low on cash. Scammers!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an email on XX/XX/XXXX, from the financial institution Mr. Cooper saying that my home mortgage was transferred from XXXX XXXX XXXX XXXX to Mr. Cooper and they provided me with a new Mr.Cooper Loan Number and a transfer effective date of XXXX XXXX. 

I made the online account set up with Mr. Cooper, and was surprised with the monthly payment as it was showing the regular payment of the principal of {$2000.00} plus an additional Escrow amount of {$660.00} totalizing {$2700.00}. 

As I never had escrow in this mortgage I called Mr. Cooper and talked to an Escrow Account Agent XXXX XXXX XXXX, who informed that the mortgage was transferred from XXXX  with Escrow. As I questioned that I never had escrow in this mortgage, she replied that it was because I have not paid the property insurance. I firmly stated that I keep my insurance up to date and had already paid the policy for the period from XX/XX/XXXX to XXXX, then she made a tri way call with Mr. Cooper Insurance specialist. 

I stated again to Mr. Cooper Insurance Specialist that my insurance was always kept current, and was not aware of any issue with XXXX, that I never received any communication from XXXX  regarding lack of insurance for the property. She requested the proof of insurance to me and the contact information of my Insurance Agent. While I gave her over the phone the insurance policy details, my Insurance Agent uploaded in Mr. Cooper system the insurance policies for the last 03 years ( XXXX, XXXX and XXXX ). 

I confirmed that the carrier informed XXXX about the policy renewal, and due to some internal issue they placed insurance on my loan without notifying me. They did not even bill me for the insurance they placed throughout all the time I was with them. The attached XXXX  statements show that right before they sold the servicing to Mr Cooper they must have done an audit and realized they had not been charging me. At that point they billed you the full amount in arrears and placed it as a monthly escrow which appears on the last monthly statement, they then sold the loan and washed their hands from the issue. XXXX could not do that. I have provided my proof of insurance and can prove I had my own paid insurance from the start of the loan. 

Mr Cooper should have done a proper due diligence analyzing the previous mortgage statements to verify the integrity of the information they received from XXXX. Mr Cooper needs to contact the prior servicer and figure out how to resolve this issue, but either way I shall not be liable. They need to figure it out between them and remove the full amount from my escrow. Since Mr. Cooper is the current servicer its up to them to make it right. I do not agree to have any type of escrow in my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX - INQUIRY DATE - XX/XX/2022 - CALLED, NOT SURE WHY THIS IS HERE. 

XXXX - INQUIRY DATE - XX/XX/2022 - I DONT KNOW WHAT THIS IS, DIDNT DO XXXX  - INQUIRY DATE - XX/XX/2022 - I DONT KNOW WHAT THIS IS, DIDNT DO XXXX  - INQUIRY DATE - XX/XX/XXXX, XXXX I DONT KNOW WHAT THIS IS, DIDNT DO

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was contacted by Freedom mortgage several times to do a refinance on my existing home loan. I spoke to two different lenders. The first person I never called back becuase I did not feel that the savings was enough to justify the fees. The several person worked numbers and got to a number that seemed reasonable. I explained that I may not be staying in the home for more than 8 months. After the refi was done I received a check that I did not ask for. I called and they stated this was mine to keep. After I started paying my mortgage I am now told that my payment is increasing over {$100.00} due to an escrow shortage. I feel that I was intentionally mislead about the payment to book the loan and that the insurance was left out to increase the loan after the loan closed. The escrow should have increased {$19.00} per month not over {$100.00} due to a change in insurance premium from {$820.00} to {$1000.00}. I was not willing to close on the loan and pay the fees unless I had substantial savings and I feel that they were deceptive just to get the extra fees. I would have never refinanced the loan for such a small savings monthly. I advised I may not stay in this home several times.

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 2023-08-15
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have to been disputing transactions nonstop with Apple for the past two years. These were fraudulent charges. I have explained to the company multiple times over and over. I was recommended to reach out to you guys to help with this matter. I have been experiencing unknown charges on all credit cards I own. For XXXX my disputes have all go through besides XXXX and Apple. Theyve both been affecting my credit score tremendously. There was a period of time these charges took place. XXXX XXXX XX/XX/2022. I have shown proof to the companies. I do not claim any of these charges and wish for XXXX  and apple to wiped off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXXXXXX Balance Owed : {$9300.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; 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 XXXXXX/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 explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 2019-07-13
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Leased an electric car. 

BMW received a benefit of more than {$7000.00} for the electric incentive rebate from the government The car would not charge because it was not designed to charge when it's more than 95 degrees out. But they sold it in Arizona where the temp is always over that for 5  months of the year. 

Returned the car. Bought a different car because they wouldn't let me out of the sale agreement. ( illegal - car was mechanically non-functional ) New car deal, they " reversed the incentive '' which was wrong because I went from lease to loan. And they financed the incentive into my new payment. 

When I realized this was wrong many months later they refused to negotiate to resolve this discrepancy. I had someone willing to buy the car at a reduced amount of about the same as this {$7000.00} amount ( which was not real value ever ). 

I stopped paying because I couldn't get their attention and then they repo'ed the car but now they are trying to collect the amount due which coincidentally is the same amount I had a buyer to sell the car to! 

They broke the law with leasing me the electric car that was a lemon because it should never be sold in hot climates. 

They controlled all the options until the very end and now they will not let it go even of what they think " I owe '' even though I have no car and couldn't sell it and lost my money, time and am out a car. In addition warranties and other intangible benefits such as gap insurance that was paid has been lost due to this forced liquidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 write this notice saddened by the inequality and trespass of my consumer rights. The consumer reporting agencies have had more than their allotted time to fix an issue Ive been continually attempting to correct. Ive filed an FTC report as a result of the violation of privacy via the PRIVACY ACT of 1974, because neither the creditors of the alleged debt nor the consumer reporting agencies have provided me anything in writing in which Ive signed stating they had the ability to report my non-public personal information. Ive requested several times and theyve not providing me with anything. Ive also recently sent in my request to block such erroneous and invalid information from my report via 15 USC 1681c-2, and comprehending the consumer reporting agencies had 4 days to block such information from my consumer report, theyve not done so, which means the company is abiding by the laws of congress. I have pain and suffering because of these reporting as it is hindering me from taking care of myself, my kids and family. The defamation of my character has gone on for far too long and Im tired of it! Ive included the documents I sent out in the XXXX of XXXX, thats including the FTC report, and the identity accounts, my identification and my personal statement, the documents were also notarized.

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 2023-08-15
Company: Block, Inc.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
from the Date and time XXXX XXXX time Bitcoin platform on the block cash app took XXXX from my stock account and i have yet to receive any withdrawal in its call BTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account name : XXXX XXXXXXXX Account numberXXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXXXXXX Account number:XXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2023 I sent a request for debt validation with my original contract and wet ink signature for accounts with 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Federal Regulations Fair Credit Reporting Act, Fair Accurate transactions act 2003. 


XXXX XXXX sol Homeowner at XXXX XXXX XXXX XXXX XXXX MO XXXX file a dispute on XX/XX/XXXX because of XXXX mortgage Address Discrepancy as a result of Identity Theft reporting to all three credit bureaus inaccurately reporting as fraud on all three credit reporting agencies XXXX TransUnion and XXXX inaccurately. Federal Regulations Fair Credit Reporting Act and Fair Accurate Transaction Act 2003. The proper disposal of all consumer information from every financial institution and credit reporting bureau must be removed because of the fraudulent address discrepancy reported as a result of identity theft from XXXX mortgage financial institution is fraud.

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Transunion is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed.

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