BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Goldman Sachs is repeatedly closing and ignoring my disputes and failed to resolve 3 transaction disputes on my account by incorrectly claiming that " my account already received a credit from the merchant for the disputed amount. This closure is without merit as Goldman Sachs appears to be mixing up to unrelated credits which were refunded to my account for 2 other separate transactions. In total I was to receive 7 credits from this merchant, as of today I only received 4 credits, with 3 still missing. During this process Goldman Sachs has already wasted almost a year and neglected this matter without an end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: CREDIT ACCEPTANCE CORPORATION
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX, I was on my way to physical therapy when I was hit by a lady who had no drivers license or insurance. The lady was at fault and received several tickets. My insurance company XXXX determined that my car was a total lose and issued credit acceptance a payment of XXXX, XXXX on XX/XX/XXXX. On the day of my accident I got a payoff quote sent to me from credit acceptance ( The Payoff Amount owed on the Account is {$13000.00} as of XX/XX/XXXX ) and I notified them of the accident. 
I also purchased GAP insurance and a warranty when I purchased the car which totaled 4000, which should take care of the difference. Credit acceptance is now saying I dont have Gap or a warranty and is reporting to the credit bureaus that I am 60-90 days behind on payments and owe them 2000 ( the amount keeps rising so Im not for sure on amount ). This is the second time reporting credit acceptance the first time was for the FAKE warranty that I purchased and now to find out the Gap insurance I purchased was a scam also. 
Please can you help me this is ruining my credit and causing my family major problems. I sent a dispute to all three credit bureaus that showed all this and explained the date of the last payment was wrong which according to MY RIGHTS the credit bureaus should have deleted it because of incorrect information instead ignored my request and said it was reporting correctly. This would also be the second time all three credit bureaus violated MY RIGHTS.

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 2022-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 recently called Capital One so I can change my date of payment. They said they couldnt. I called on XX/XX/XXXX when my payment was due and told them I would be making my payment on XX/XX/XXXX because thats when I get paid. They said it was not a problem and they would waive the late fee of XXXX. They didnt. So I called on XX/XX/XXXX again to ask them if they can change my date to the XXXX. They said no cuz my card is closed. Ive been a good paying customer for 3 years and now that Im having a hardship they wont even help me resolve this problem. Im not asking them to reduce my payment just change the due date so I wont get a late fee every month. I dont understand why they cant help me. My bill is getting higher witch doesnt help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Coinbase, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I open account on coinbase couple days XXXX from account was transfer next day they try another XXXX but i didnt have insufficient funds so they couldnt when i email them sayings that they disbaled my account i open 3 cases every case after day or two is closed and sayong can not be restore please help there is no phone number to contact or anything

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 am writing once again about my dispute with Kohls department store. The prior complaints have not been addressed and I continue to receive a generic, self automated response from this company. I have tried to reach out to the company to speak with XXXX XXXX Executive Correspondence Lead Office of the President Kohls Department Stores. She indicated in response to the CFPB that if I had further question I could call her to discuss them. I called Ms. XXXX XX/XX/2020 and left a voice mail message and have yet to receive a return call. They are not attempted to resolve this issue with me. They have responded to the CFPB but refuse to speak with me. They see me a a nuisance and have responded to you only because they are required to do so by law. I would like have this issue resolved and not pushed aside as so frivolous compliant filed in my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Novad Management Consulting LLC
State: TN
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I entered into a contract XXXX with XXXX in XXXX, TN placing my home in reverse mortgage. All went well for some years. The contract was then sold to XXXX XXXX and continued to do well. The problem begin with the contract was sold to another company which is the current company I'm dealing with now which is NOVAD Management Consulting LLC ( 2015 ). With the previous companies prior to NOVAD, I received monthly statements indicating the status of my contract. I stopped getting statements from NOVAD mid year XXXX. Many attempts were made via phone calls and letter to try to get information on what was going on with my account. I will attach a copy of the letter sent to NOVAD requesting information - but never got a response by mail or call. NOVAD statements has information about " Set Asides '' costs- never explained what it is. After speaking with a NOVAD representative in XX/XX/XXXX, I was told that its possible that the reason for not receiving statements was for non-payment. 
I need answers on the status of my account and documentation that they paid six ( 6 ) months worth of taxes. Taxes in XXXX XXXX XXXX XXXX are not paid monthly only paid annually. They never paid any taxes- they never showed me any proof- nor did the Tax Assessor 's office only shows that I'm the only person paying taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: OH
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:
Experian continues to report a collection account from XXXX XXXX XXXX on my credit report to which a validation letter sent to them certified mail and a complaint filed on this website against this company and the collection company replied that they would have Experian REMOVE this bogus account from my credit report. 

Company responded STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response We have taken the necessary steps to remove this debt from the consumer 's credit report. The action will take place within 30 days of XX/XX/2020. No, follow up is needed, Experian will update the reporting after 30 days of the date provided.

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 2020-07-23
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX was previously my mortgage company and has reported multiple late payments on my credit report. In XX/XX/2019, XXXX XXXX became my new servicer. I have appealed to XXXX to correct this incorrect information, which is interfering with my ability to get a new mortgage, but they said they can not because they no longer service my mortgage. XXXX refuses to correct this information because they said they were not my servicer during this period. I need XXXX to immediately correct this incorrect mortgage information with the three credit reporting agencies immediately.

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 2020-09-13
Company: PlusFour, 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: Account information incorrect

Complaint:
There is an incorrect " Collection '' on my credit report from XXXX XXXXPLUSFOUR collection agency, that has reappeared AGAIN dating back to XXXX. 

XXXX  had REMOVED the " collection '' stating that it had been paid by insurance ( XXXX ). And XXXX REMOVED the collection after they found out it had been paid by INSURANCE. 

XXXX XXXX said it had been reported to collections -- there was nothing they could do. 
I contacted PlusFour on XX/XX/XXXX and XXXX  to get this removed. BOTH companies refused to remove it even though it had been paid by INSURANCE. ( DOCUMENTS ATTACHED ). 
I even showed them that XXXX  and XXXX  had investigated and REMOVED the " collection. '' The insurance, XXXX, had issued a letter stating that it was an invalid debt, after I had requested an investigation in XXXX. ( Letter Attached, page 2 ) I told PlusFour that this was an incorrect /invalid charge that had been paid by my insurance in XXXX. PLUSFOUR refused to remove it. XXXX  also refused to remove it. 
XXXX* PLUSFOUR stated 2 DIFFERENT AMOUNTS -- $ 110.00+ and also XXXX for the SAME INCIDENT. 
** ATTACHED DOCUMENTS INCLUDE MY PERSONAL/PRIVATE INFORMATION. PLEASE DO NOT PUBLISH.

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 2023-07-24
Company: Fradkin & Weber PA
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I CALLED THE OFFICE ( Fradkin & Weber, PA ) TO GET INFORMATION ABOUT THE XXXX DEBT THEY CLAIMED I OWE. I MOVED FROM My old address. IN XXXX XXXX XXXX. IM NOT SURE EXACTLY, SO I NEVER RECEIVED ANY THING IN THE MAIL, ON MY CREDIT REPORT, OR PHONE CALL, ETC. THERE WAS NO CONTACT from them. 

XXXX XXXX SAID THEY DO NOT HAVE DETAILED INFORMATION AND TO CALL THE COURT. I CALLED THE COURT CLERK, WAS ADVISED THAT FRADKIN & WEBER SHOULD HAVE THAT INFORMATION. IN THE MEANTIME I CAN NOT REMEMBER ANY DEBT THAT I HAVE FROM 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 2020-05-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: MI
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 other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




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  Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$720.00} XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

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 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX was previously my mortgage company and has reported multiple late payments on my credit report. In XX/XX/2019, XXXX XXXX  became my new servicer. I have appealed to XXXX to correct this incorrect information, which is interfering with my ability to get a new mortgage, but they said they can not because they no longer service my mortgage. XXXX refuses to correct this information because they said they were not my servicer during this period. I need XXXX to immediately correct this incorrect mortgage information with the three credit reporting agencies immediately.

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 2022-11-28
Company: EQUIFAX, INC.
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 confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX  XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: DISCOVER BANK
State: CA
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account Number # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  XXXX  XXXX account # XXXX has violated my rights. 

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

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 2023-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was made an authorized user on a XXXX XXXX XXXX XXXX with a {$25000.00} limit that is not being reported on my credit report. I reached out to the company for them to rectify this issue and was told they only report for spouses. This is inaccurate reporting on my credit report.

15 U.S. Code 1681- Congressional findings and statement of purpose : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1611- Criminal liability for willful and knowing violation : Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

XXXX XXXX XXXX XXXX willfully and knowingly are aware of the fact that I am an authorized user on the account and are not reporting it to the credit bureaus which is false and inaccurate reporting. By not accurately reporting they are impacting my XXXX XXXX since a {$25000.00} limit is not present it affects XXXX out of the XXXX factors of the XXXX credit reporting criteria. 

Not Reporting a card with a {$25000.00} limit affects : 1 ) The percentage of credit utilization 2 ) Payment History ( the on-time payments of the primary account holder that should reflect for the authorized user each month ) 3 ) New Credit Mix 4 ) Length of Credit History ( which should have been extended based on the length of time the primary user has had the card ) 5 ) Amount Owed I am requesting that you rectify this issue and start to report on my credit report the accurate information necessary to avoid directly impairing the efficiency and the public confidence of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB Rep, My problem with Mr. Cooper Mortgage Co began XX/XX/2020 & has continued thru XX/XX/2020. For many years I have included additional $ with my monthly mortgage pymt to be applied toward principal. To date I have included {$700.00} in addition to regular pymt to be applied solely to the principal. Prior to XX/XX/2020 there has never been a problem with Mr Cooper applying the additional $ to principal. Since XX/XX/2020 thru present I have had to call Mr Cooper up to 5 times per month requesting my additional $ to be reversed as a regular monthly pymt and apply to my principal as indicated on my Mr Cooper automatic pymt profile. I have also emailed manager and research dept to have the correction done but, the problem persists monthly. Attached is a listing of my pymt history. You will readily notice the slipshod mgmt ' of my monthly pymts '.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I tried to order from XXXX XXXX. 
The computer rejected my request. 
Then Comneity Bank deducted {$75.00} {$89.00} {$89.00} on XX/XX/XXXX From my debit card. 
I did not authorize this, Their computer systems are a mess. 
Please intervene. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I see that you guys validated that these inquiries are accurate. I would like a copy of my written signature, a written copy the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately delete these inaccurate items.

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