BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: GOLDMAN SACHS BANK USA
State: CA
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:
My AppleCard is shared with my child via Apple Family Sharing. It is all above board and has been charging on it for a while. Child needed a XXXX XXXX appt on XX/XX/XXXX for travel and tried to pay online with Applecard for the appt. It was declined and we verified it immediately as a genuine charge. Tried a few times, ea time got declined. I used my XXXX to reach out to Applecard and ask what was going on. They never provided an answer, never got back to me. I am fully paid up, I usually pay this card balance off at least twice a month because it's on my XXXX, I see a balance and just pay it all the time. I have an excellent credit rating. 

My adult child has since left for XXXX XXXX on XX/XX/XXXX, they used the Applecard successfully in XXXX. I thought I'd better inform AppleCard that the user was traveling : a travel notice. I did that at XX/XX/XXXX at XXXX and the AppleCard responder ( everything is done via imessage ) was affirmative that everything was fine. By XX/XX/XXXX XXXX, Goldman Sachs Applecard was calling me at work that they'd locked my card. I was working and couldn't answer " safety questions '' while working, they caught me off guard. I asked them to call me back later. At my break XXXX, I messaged AppleCard and gave them a call back time when they asked of XXXX. Waited until XXXX, messaged them again. They could not help me, telling me that a " specialist '' would contact me. 

I now have my family member in XXXX XXXX at this point, with no functioning AppleCard. I have no functioning Apple card. Goldman Sachs won't treat me like a human and actually deal with this. I've done nothing wrong, I'm a verified user, my family member is verified in Family Sharing. I've read since that AppleCard can lock up users Apple IDs capriciously. I can not access the AppleCard statements which are all on the iphone wallet, the lock takes away all access. I am blinded to what possible issue might be going on - the area is now blank. 

Have you helped in these types of cases, and what advice can you give me? AppleCard Goldman Sachs isn't treating me like a human. AppleCard and Goldman Sachs have unsupportive behaviours and put their customers in jeopardy. The AppleCard isn't physical for my traveling family member, it's all on the iphone in they're hand - no one can steal their number or card. I gave AppleCard a travel notice. What possible fraud can they be so concerned about that they refuse to clarify with me? What more can I do? They refuse to talk to me. Please help me get an answer from this company and re-assurance that they're not going to affect my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: IL
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: In progress
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
ftc file # XXXX XXXX XXXX XXXX XXXX XXXX all of them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The Federal Trade Commission has stopped a student loan debt relief scheme, alleging it bilked more than {$23.00} XXXX from thousands of consumers with false claims that it would service and pay down their student loans.XXXX  XXXX, XXXX A XXXX woman won a {$450000.00} arbitration award from XXXX 's ... Companies who violate the 1991 Telephone Consumer Protection Act can be fined a ... The Federal Trade Commission received nearly 3.8 million robocall

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 2023-11-27
Company: Experian Information Solutions Inc.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-04-14
Company: Experian Information Solutions 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:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2022-03-15
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle Mortgage has been over-collecting on my escrow account for nearly a year. My taxes went down significantly ( $ XXXX ) due to my home being designated Historic. I called Dovenmuehle in XXXX of XXXX to see when my mortgage payment would be decreased and when I would receive a refund for my over-payment. They told me the analysis would be completed at the end of XXXX. I called in XXXX when I didn't see a difference on my mortgage statement. I was put on hold for hours and no one understood what I wanted. I called again a week later and the same ting happened. I was hung up on and had to go through the system several times until I finally gave up. I called in XXXX and asked for an escrow analysis. They said ok, and a week later I created an online account so I could check to see if there was a new analysis. There was. It still showed the previous tax amount. I called a week ago ( XX/XX/XXXX ) and was told that I needed to show them proof of the new tax amount. They told me it would take four days to re-run once I submitted the tax bill ( which they already had ). I called my county and had them send me the tax bill. I emailed it to the address provided by Dovenmuehle. I called today ( XX/XX/XXXX ) and was told an analysis would not be run because the difference was less than {$10.00}. At this point I asked to speak to her manager. She is now expediting my claim. It took five months and I was never followed up with, or treated fairly. They have been holding too much of my money in escrow and it shouldn't be my job to correct them beyond when they received the first tax bill in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2023-11-27
Company: Experian Information Solutions Inc.
State: IL
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an ARM with Wells Fargo Mortgage. Account number XXXX this week I received a mailing from them telling me that my rate will change from 2.5 % to 3.125 %. I was curious and read the document. To my surprise, the monthly principal in my payment went down from {$600.00} to {$550.00}. 

Based on that I calculated my new payment to see if that was correct. My information is as follows : Principal of Loan - {$170000.00} Rate - 3.125 % Taxes Summer - {$2800.00} Taxes Winter - {$1200.00} Insurance - {$550.00} Total Payment - {$1200.00} Wells Fargo Payment - {$1300.00} Wells Fargo has been charging more than that for years, my new payment quote for XXXX XXXX, 2022, is {$1300.00}. That is {$140.00} extra a month in that payment. This is the first time I have checked, but think they are doing this intentionally with the assumption I wouldn't check the numbers. 

I did contact them online today with a complaint and need your help looking into this to see if this is mortgage fraud. 

Best, 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 2021-02-04
Company: U.S. BANCORP
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:
There is an unauthorized inquire reporting to my XXXX  report. This is a lender that I did NOT submit a request for any lines of credit. The lender is US Bank dated XX/XX/XXXX for a bank or credit card. I contacted XXXX on XX/XX/XXXX in regards to this matter and was told to contact the creditor/lender directly to verify. Each lender has informed me that no accounts exist or lines of credit have been issued under my social however, there was an application submitted that resulted in the inquiry. XXXX is not working proactively to resolve this matter even with the lenders confirming that I have no active accounts.

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 2022-11-10
Company: MOHELA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
MOHELA states on their website " XXXX XXXX Interest Rate Your interest rate is XXXX XXXX from XX/XX/XXXX through XXXX XXXX, XXXX. 
Payments made on or after XX/XX/XXXX were automatically adjusted. 
Payments are applied first towards the interest accrued prior to XX/XX/XXXX. The remainder is applied to the principal balance. '' On XX/XX/XXXX, I noticed XXXX XXXX interest started being charged on XXXX of my loans with MOHELA. I do not know the exact date the interest began. I have been trying to contact customer service as to why my loan is being charged XXXX XXXX interest when the XXXX XXXX interest rate and payment pause are to continue until XX/XX/XXXX. My loans remain in forbearance ; however, they have started charging interest. 

I recently completed a military assignment, which qualified me for XXXX benefits ( lowering of interest to XXXX XXXX ) ; however, there was no necessary adjustment since interest was already at XXXX XXXX. MOHELA has notified me of the end of my XXXX benefits via letters this week, but the end/beginning of XXXX benefits should have no effect during this interest/payment pause. MOHELA has not responded to my request on XX/XX/XXXX wherein I asked for the reason for the interest charge and asked for it to be refunded to me. Interest continues to accrue daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
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: Account status incorrect

Complaint:
Company reported my loan 30 days delinquent was it was not. Company reported that a previous loan was 30 days late so they should not have reported that my current loan is 30 days late when it is a totally different loan number

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 2021-02-03
Company: Receivables Performance Management, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original debt amount was incorrect. I settled on a 3 payment payoff after agreeing to the final amount of {$230.00} which was more than the original final payment. The collection 's representative NEVER informed me of an ADDITIONAL charge for each payment. The first payment as stated by the representative XXXX on XX/XX/2021, at approximately XXXX XXXX, was in the amount of XXXX with two additional payments of {$66.00} to be automatically deducted on XX/XX/2021, and XX/XX/2021. Today, I looked at my bank account, and the company withdrew an extra XXXX without my permission or knowledge. When I contacted Receivables Performance Management to inquire, they said it was an additional fee for service. This information was never presented to me or I would never have agreed to the settlement as the original amount was incorrect as I had told them. This is a practice of deception to the consumer and particularly in a time of pandemic and financial devastation for many, including myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: NY
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 have a loan with the accounts mentioned below. The current statuses should not be showing late because I always made my payments on time. EXPERIAN lacks proper record keeping. These accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XX/XX/XXXX, i sent a merchant ( XXXX XXXX ) {$65.00} on cash app for goods that he would deliver to my place. after a few messages, he says he would refund because i asked for the refund. he complied and said he would send it. waited for 2-3 days until he blocks me and never refunded my money. ive contacted my bank and Cash App about the situation but they didnt do anything to solve the issue. they also told me to contact the person to refund me but, again, they blocked me so i can not contact them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Spoke again to Carrington Mortgage Services today. I have listed CFPB as third party authorization on my account. They confirmed it. 
My account was in forberance, then I applied for Homeowner Assistance Fund thru Carrington and they did not put my account on hold during the process. They reported me late to all credit bureaus. My account still reported currently late after they recieved all payments and I already made XXXX and XXXX current payments. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: NY
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 have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: TN
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:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: NY
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 have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. 


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 2021-06-23
Company: EQUIFAX, INC.
State: FL
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:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation