BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-10
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Goldman Sachs ( Apple Card ) Payment placed on XX/XX/XXXX could not find payment of {$4900.00} an investigation was done internally. 
Provided them with check tracking number, date issued, and the amount. 
Was charged interest because they misplaced payment. 
Contacted issuing bank and they did their own investigation. They stopped payment and re issued it to me in which I then sent payment in a higher amount of {$6700.00} posted on XX/XX/XXXX another payment of {$300.00} posted on XX/XX/XXXX and {$1000.00} posted on XX/XX/XXXX payments posted in XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$1000.00} to Goldman Sachs . 
They charged me interest again. 
A total of {$200.00} in interest which shouldve been refunded. 
Made several complaints between the dates XXXX. 
Kept giving me different information asking for the same proof of payment ( sent via text XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) emailed proof, ( XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX ) They havent reviewed or documented anything properly. 
Ive been on the phone for almost 2 hours at a time over the last 6 weeks trying to get them to refund the interest including going over every charge made since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Better Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX report was paid for to XXXX and XXXX paid a third-party vendor to conduct the appraisal. The appraisal was completed on the XXXX of XXXX after being ordered on XX/XX/XXXX. The team at XXXX refuses to release the appraisal report to me despite multiple attempts to do so, including phone calls, live chats, and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes by means of a Credit Repair Organization on XX/XX/2019, Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: GA
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 two accounts that are incorrectly reporting on my Experian credit file. I have disputed them with Experian and they remain : XXXX XXXX ( XXXX ) This debt was cancelled by XXXX XXXX. I have attached a copy of the 1099 showing " Cancellation of Debt ''. I can not pay on this debt. It must be removed from my credit file. I have disputed it with Experian and they did not remove it. 

XXXX XXXX ( XXXX ). This account was settled in full on XX/XX/XXXX according to the attached settlement options. I have disputed this with Experian and they have not removed the balance. The item stopped reporting on my file in 2020 ... so the balance at XXXX is already XXXX. Experian is just failing to update to this XXXX  balance.

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 2019-04-15
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Attention dispute department ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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:
Potentially Negativeshow tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXX.Dispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX all ftc violations

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 2019-04-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, 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 had an XXXX XXXX store credit card I paid it off in full. I am now checking my credit score & XXXX XXXX charged me {$10.00} which is affecting my credit score. I was unaware of that charges mabey it came on a next billing cycle or I never received the mail. For those reasons I wish to fix that problem ASAP. I called XXXX XXXX credit department I have no outstanding balance of & XXXX but my lender who ran my credit score viewed a problem with XXXX XXXX charges. So I would like to resolve this issue.

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 2021-09-10
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Lvnv funding llc. C/o resurgent capital services XXXX XXXX XXXX XXXX sc XXXX XXXX ( XXXX ) XXXX assigned date XX/XX/2017 has been sending me collection notices in the amount of & XXXX as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: SUNRISE CREDIT SERVICES, INC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account several times since XX/XX/XXXX. When i dispute over the phone with XXXX, a representative will inform me that they don't have to provide how this debt that was verified. I have a right to know whats in my file and how it is used. They keep informing to keep trying to contact the collection agency. I informed the representative that i did. When i contacted Sunrise Credit Services i spoke with a Rep. by the name of XXXX on XX/XX/XXXX.. This company had my name spelled wrong, address and could not confirm if they were licensed to collect in the state of Indiana. I read off the dates and the amounts from my credit report that XXXX is reporting which is First reporting date XX/XX/XXXX for {$1300.00}. I asked her why did i have to give them the correct spelling of my name, my correct address.. and that i never had any services with this company nor did i ever sign a contract for anything. I informed XXXX that this company is reporting inaccurately and that i intended to file a complaint. XXXX stated that she could send me an itemized bill with charges. I informed her that is not validating that this debt is mine and due to the FCRA i have a right to ask for proof of what documents were used to verify and validate this debt that i supposedly owe to a company that i never had any services with. She said she would have to transfer me to a supervisor and i spoke with a woman by the name of XXXX XXXX. She informed me of the information that XXXX gave out. XXXX stated that she would send out some papers that would be an itemized bill. It has now been 30 days and i have yet to receive anything from this company.

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 2021-09-10
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I applied for a mortgage that resulted in a credit report being pulled, and I was shocked to see a collection from Credit Collection Services in the amount {$1000.00} for a medical debt. Having had excellent health insurance in the past few years, and also not having been to the doctor in the past few years I was very upset to see this on my credit report destroying my credit score and rendering me unable to secure the housing I desperately need to secure for my family. 

On XX/XX/XXXX I contacted Credit Collection Services to inquire as to the nature of the debt, and they explained to me that this is for a XXXX XXXX unpaid bill from XX/XX/XXXX. Since I am in a very sensitive time crunch, I offered to resolve the debt instead of pursuing it with my insurance who should have paid it. They held steadfast in there position that they would not delete this account from my credit report, only update it as a paid collection. This is frankly unacceptable, as I later was informed by legal counsel that under the consumer protection statutes at both state and federal levels, that debt collectors must send out a first dunning notice allowing the consumer 30 days to dispute or pay the account before proceeding with additional collection efforts including credit reporting. 

On a follow up telephone call placed on XX/XX/XXXX, it was revealed that Credit Collection services had an incorrect address that they mailed the original dunning notice to, and in fact confirmed this when that original dunning notice was returned back to them by the Postal Service as undeliverable. The documented returned mail is coming from the debt collector directly, they admitted it. 

In addition, they also admitted that upon receiving the returned mail, the skip traced a new address that was also incorrect. It's clear that collection agencies are prohibited from submitting information to consumer reports if they have been notified that the information is inaccurate. They have a duty to operate fair and accurately. 

The first notice I ever received of this debt was on XX/XX/XXXX, where the communication came via the form of a credit report, and I respectfully request that my rights be respected and my time period of 30 days to dispute or pay this debt before any adverse remarks are placed on my credit report be respected and reinstated. I can not allow this account to remain on my credit report simply because I was not billed in a timely fashion, as this debt collector mailed a dunning noticed to an address from two years ago that was documented undeliverable, mail return.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax and XXXX  should not be reporting me as an Authorized User on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted XXXX XXXX XXXX  as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am a Merrill Lynch Signature Visa credit card holder. The account was opened in XXXX. Merrill Lynch is now part of XXXX XXXX XXXX. My account is now under a debt collections lawyer. 

I called Merrill to ask for the original credit card agreement in XXXX. They kept forwarding me to different departments. I think the interest rate is wrong and want to see what was in the agreement as well as other terms and conditions. 

Can you help me get the Merrill Lynch Signature Visa credit card agreement in XXXX? 

Thank you for your 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 2020-08-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I requested TD to removed the forbearance status of my mortgage loan. I brought my account up to date on middle of XXXX. Account was placed in forbearance status because the hardship I was facing becase of Covid-19. 
On same day XX/XX/XXXX, I was informed by a TD Bank representative the account would be removed from the forbearance status after I make the first payment on XXXX. I did it. 

Arbitrarily TD Bank place my account in forbearance until XX/XX/XXXX. Let 's be clear the account is up to date. 

I decide to reach out to XXXX XXXX  since they are the ones who has the mortgage. I was assigned a case number and they are escalating the case to XXXX because TD Bank can not refuse to remove the forbearance of my account, when I am up to date with my payments. 

Account was placed in Forbearance on XXXX paid in full on middle of XXXX. On XX/XX/XXXX request was made to be removed from the forbearance status. Still, TD Bank is refusing to change the status. 

I have emails to prove it, but I couldn't up loaded because of the size allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company then sent me information about trying to collect a debt from me but they didn't provide the proper validation to prove that i owe a debt to the company Even though they provide me a statement according to law that 15 usc 1692 g that still doesn't suffice that the debt was mine only an assumption also they are in violation of 15 Usc 1692g because they never sent this information within 5 days of initial communication. Also they are in violation 15 usc 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collectors are also violating 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. The Debt collector also contacted me at an time of inconvenience. According to 15 usc code 1692c at ANY unusual time or place or a time or place known or which should be known to be inconvenient to the CONSUMER. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; On the attachments i provide proof of each violation by highlighting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: PNC Bank N.A.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I tried to initiate a wire to a contrctor that is doing remodeling for me. I tried sending a wire Thursday XX/XX/21 for XXXX. The bank called and said they did not have my DOB despite personal and business banking with them for 22 years. They then put a fraud alert on my account. I initiated the same wire the next day and sent them my drivers license. THe branch then called and said I had to provide the DOB and SS # of the contractor which I do not have. I cancelled both the wires verbally and written. The banks XXXX  department will not release the cancelled wire until I provide the DOB of the contractor although the money was sent to his LLC. I dont have the contractors DOB. I have spent countless hours on the phone with the wire department, the branch, and I have emailed the bank president to no avail. The bank has been holding the money of this cancelled wire for over a week and has stopped communicating with me. They have essentially stolen my money and are treating me like a criminal. I desperately need an ombudsman to help me with this bank, BBVA Compass. I have also now accrured NSFs. I have asked the bank to reimburse me for these and to write letters to companies that received bounced money stating that this was a bank error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

DEPTEDXXXX XXXX {$860.00} DEPTEDXXXX XXXX {$5100.00} DEPTEDXXXX XXXX {$5000.00} XXXX XXXX {$410.00} XXXX XXXX  XXXX {$780.00} XXXX XXXX XXXX {$510.00} XXXX   XXXX {$2000.00} XXXX XXXX {$3500.00}

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 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a active fraud alert on my account and currently I have XXXX inquires with Transunion and XXXX  with XXXX. I spoke several representatives that state I need to produce a police report. I am lost as to what the police report will do for the XXXX inquires when I placed a FRAUD alert on my account due to my personal information being stolen. I was told that I would be notified as to when anyone applies for credit in my name via my phone number. This happened a few 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 2021-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation