BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: CO
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:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report.

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 2019-02-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone applied for multiple credit cards under my name, which resulted in 10+ hard inquiries to my credit report. Also, a PO Box exists in XXXX Georgia under my name and it is not mine.

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 2021-04-27
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This issue related to my Apple Card from Goldman Sachs Bank USA, which I used to make a payment for installment plan for new cell phones XXXX XXXX XXXX ( 2 phones ). Every single month I have being overcharge in my bill, last time bill for XX/XX/2021 instead {$78.00} was {$120.00}. 
When I called to Apple company financial department about this extra charge, they spend over 2 (! ) hours with me on the phone, trying to find out reason for extra charge, and after all, they say " its for us unknown charge, don't worry it will be taken off from your bill by Goldman Sachs Bank USA ( owner of Apple card ) ''. I called them number of times to resolve this problem Apple always transfer me to Goldman Sachs Bank USA, and skip to resolve this problem without Goldman Sachs Bank USA. 
I start calling Goldman Sachs Bank USA number of times, almost every week during half of XXXX and XXXX, I spend on phone with them dozens hours (! ), every time new rep Goldman Sachs Bank USA, fill up for me dispute application related overcharge, all this time I was on the phone line, and promise me to resolve this problem, because they don't know anything about this charge too - same as Apple XXXX,. 
But every time it was useless, and after one week I always received note that my dispute was decline. 
My problem still exist and Golden Sachs together with Apple Card continued overcharge me.

Goldman Sachs Bank USA reps provide very poor and unprofessional service - such as so bad communication skills, unknown Goldman Sachs Bank USA payment system and online application, they always don't able provide me with clear explanation - why they charge me over, and very often just disconnected with me when I ask for supervisor, or made me stay on waiting call for an hours (! ), and after all - anyway disconnected. 
In my last statement Goldman Sachs Bank USA, for XX/XX/2021 charge me {$120.00} but, my installment plan is {$78.00} per month. 
I ask Goldman Sachs Bank USA, AGAINE, provide me with clear answer, why my bill over for XXXX? ... 
Reps Goldman Sachs Bank USA say : " its a balance from XXXX '', I provide them with proof of full payment for XXXX, after it, reps of Goldman Sachs Bank USA, change mind, and say : " this is a balance for XXXX ". 
But I don't buy anything with this card in XXXX, XXXX and XXXX, I don't use this card at all ... 
By agreement with Goldman Sachs Bank USA, my installment plan coast only {$78.00} / month, and no XXXX more. 
I don't understand why this company, Goldman Sachs Bank USA, continued abused me ad overcharging every single billing cycle? 
My Apple Card from Golden Sachs number is : XXXX, physical card number ... XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions 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:
Please take a look at the attached letters and XXXX XXXX for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-06-16
Company: EQUIFAX, INC.
State: CT
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 law with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXhas 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: Receivables Performance Management, LLC
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: Information belongs to someone else

Complaint:
The following accounts listed below are fraudulent accounts and doesn't belong to me. 
They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX RECEIVABLES PERFORMANCE # XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I've been offset again this year for loans. I'm not sure what the meaning of economic hardship means to the Dept of Education, but I'm a single parent, with five dependents. My income is below the poverty level, one of my children is XXXX and receives SSI due to the lack of income. I don't understand how I don't qualify to file for a hardship even if I had to apply two years ago and my income has decreased since then??? My family is homeless, and I have a vehicle that is in need of repairs. We live in a rural area where there's no public transportation to get around, and simply can't afford to have this money taken away. I got no letter, the XXXX XXXX XXXX XXXX did not provide the most up to date info in reference to offset info. I was under the impression that this was a legal requirement. I need help here please.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
PLEASE CORRECT MY NAME AND ALL ALIAS NAMES AND PREVIOUS ADRESSES THEY ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES I EXPECT THE COMPNAY TO DO THEIR JOB THIS IS THE 3RD TIME TRYING TO FIX THIS ISSUE SEE LETTER ATTACHED

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 2018-04-09
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a credit been trying since XX/XX/XXXX of XX/XX/XXXX to have access to my credit card statements to pay my bill and continue to not receive them nor have they put them back on my bank account as I have asked them to do. This has caused me to pay thousands of dollars in interest and I feel that I should not have had to pay that and at this point I am looking to hire a lawyer to get this handled due to the hardship this has caused. 

I had the business credit card linked to my account so that I could pay the card, I fell behind on my payments and in XX/XX/XXXX of XX/XX/XXXX they took it off of XXXX XXXX website so I could no longer see what I owed. I went to the bank in XX/XX/XXXX and was advised I would have to call and discuss directly with XXXX XXXX XXXX. On XX/XX/XXXX I spoke with them and was told I had to make a payment ( which I did to bring my account current ). They then advised me they would put it back on the website so I could keep current. ( for reference all conversations were recorded by them ). They did not put it back on and I did not get any statements in the mail either. On XX/XX/XXXX I called again trying to get it put back on so I could pay my bills - again I was told I had to pay to bring my account up to date ( I did again ) I was assured that It would be placed back on my XXXX XXXX account to see the statements for payment. This did not happen again - same scenario on XX/XX/XXXX - XX/XX/XXXX which I was absolutely assured it would be. I called again in XX/XX/XXXX and they pulled up the phone calls and said oh yes it was supposed to be back on within two days from the call on XX/XX/XXXX but oh wait we need to now send you paperwork for you to fill out so it can go back on. I received the paperwork this morning. This has caused my credit rating to go down considerably, as well as cost me thousands of dollars in Interest. I would like them to repay the interest as well as fix my credit rating. I really tried to stay on top of this but how do you pay a bill if you don't have anything to pay against?? As far as I am concerned they can close the card and EAT the monies owed them. 

Help - please. 

Thank you

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 2020-07-07
Company: Volvo Car Financial Services U.S., LLC
State: MA
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:
The vehicle is a XXXX XXXX with vin XXXX and the account number XXXX. 

I paid a Volvo lease in full and returned the vehicle in pristine condition, and well under the mileage limit allowed from XXXX XXXX to XXXX XXXX. 

I was told that there may or may not be an additional payment depending on Volvo 's  final evaluation of the vehicle. I was in the process of moving from XXXX to XXXX  in XXXX and lost track and contact with the company through time. 

The account was showing a status of " Paid, closed '' previously but ended up going in to a collection status for {$380.00}. I thought there was a mistake so I disputed it and around that time my credit score decreased by 100 points. 

There was a lot of confusion so I payed the additional payment but the account status is now showing up as 24 Charge off 's. This is frustrating because its derogatory and looks bad after I paid in full as agreed for {$17000.00} plus the exiting {$380.00}, and is obviously affecting my score negatively. 

I tried contacting Volvo several times to try and come to terms on this, but I keep getting shifted around, or I need to set up a new account but don't have information to start an account etc.. They're very difficult to work with, and to get in touch with the right people seems nearly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: MARINER FINANCE, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX I was looking for a loan to pay my daughter 's tuition for a private school I came across Mariner Finance in XXXX of XXXX They agreed to give me a XXXX unsecured loan but if I wanted the XXXX that I requested I would need to use my car as a collateral. Of course I was in need of the XXXX which they were aware of so I went with the XXXX and use my XXXX XXXX accord as collateral. My car at the time valued around XXXX when I did a XXXX XXXX XXXX estimate but they valued it at a lower price. With that being said I also read online where if you have a secured loan and use a car as a collateral your interest rate should be lowered. My payments are {$190.00} a month which I have paid over XXXX already which most of the money have went to interest Early this week I decided to get a pay off amount so I can pay off the balance but realized the pay off balance was over {$5000.00} after 8 months of payments. My credit score at the time was XXXX. They gave me a 24.97 % interest rate on top of using my car as collateral. I feel Mariner Finance took advantage of my need for a loan and Usury does apply in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In the month of XX/XX/2020, Carrington Mortgage received the mortgage before the XX/XX/2020, XXXX XXXX  deadline. Anyway, I was charge around {$95.00} late-fee. I believe my credit report has been tarnished because Carrington recorded the payment as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
On Wed, XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX wrote : To Whom if anyone this may concern : OBVIOUSLY YOU CANT READ DATES AS YOUR ENTIRE REBUTTAL IS ABOUT XXXX NOT THE CURRENT ISSUE XXXX My secondary home WAS AFFECTED BY HURRICANE FLORENCE XX/XX/XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. XXXX changed the address to XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. I had over 11k in damages to my secondary home. I work from this home 6 months out of the year and do have an office in the home. I sent you a copy of my insurance claim showing the damage IN THE PRIOR EMAIL. If you had bothered to LISTEN TO THE CALL AS REQUESTED XX/XX/XXXX you would have heard the information. Also your representative was given the info twice I do believe during that phone call. I was advised by your Co. Representative that THE DISASTER ASSISTANCE 90 DAYS no pymts to allow me to make repairs. I was told next pymt due in XX/XX/XXXX. I called in prior to XXXX and requested an additional month extension to complete repairs due to extensive flooding in the area and unable to get to the property due to road closures right away. It was granted. I was then told next due XX/XX/XXXX. I WAS NEVER INFORMED IN WRITING OR OTHERWISE ANY DIFFERENT. I was late making this payment and when I signed in to make the payment, I saw you had the ACCOUNT MARKED INCORRECTLY AS PAST DUE 4 MONTHS. I CALLED IMMEDIATELY. You need to review the initial call requesting disaster assistance. I NEED THIS CORRECTED/MY CREDIT REPORT FIXED ASAP to reflect no late payments. If this is not ESCALATED TO THE PROPER PERSON TO CORRECT, I will seek legal action to resolve, with you using YOUR COMPANY 'S recorded phone call as proof this is what I was informed. This has caused me to be turned down for credit for repair financing, and beyond furious. Someone there dropped the ball or didn't reach out to me to get info if you needed it OR ADVISE THERE WAS EVER ANY ISSUE! XXXX!!!!! I WAS NEVER NOTIFIED AT ALL. I'LL await your prompt reply/correction. 

THIS NEEDS TO BE CORRECTED TO SHOW NO LATES AS PER AGREEMENT WITH YOUR REP FOR DISASTER ASSISTANCE XX/XX/XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Wells Fargo staff is v disrespectful not helping at all no idea where to go

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 2021-03-31
Company: ZWICKER & ASSOCIATES
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was getting increased and harassing collection attempt calls from XXXX XXXX about an account I did not recognize. They called my house after XXXX and my relatives house about this debt which is a violation of the FDCPA. I also noticed it on my credit report and I contacted XXXX XXXX ( XXXX ) by letter telling them about their incomplete inaccurate and unfair reporting of this account and that I did not recognize this account on XX/XX/XXXX with no response. On XX/XX/XXXX, and XX/XX/XXXX I wrote them letters for not responding and violating the FCRA and not reporting to the Credit Reporting Agencies XXXX, XXXX, and XXXX  that I disputed this account with no response each time from XXXX regarding this account. I did however receive a letter from a collection company named Zwicker and Associates, XXXX. They claimed they are trying to collect a debt from XXXX and for me to reply if I did not recognize the account. On XX/XX/XXXX I sent a letter to Zwicker and Associates disputing this erroneous account with XXXX and requesting that they produce verification proof according to Federal and State Law in the form of a contract with my signature. On XX/XX/XXXX I then sent another letter to Zwicker and Associates that they did not produce valid proof according to the law and to have no further contact with me about this account and if they did I was going to file a complaint with the CFPB, my State Attorney General 's Office, and the XXXX XXXX XXXX. Since then they sent another package of Statements of this account with my name on it but no contract with my signature. Neither Zwicker and Associates or XXXX produced a contract with my signature on it to verify and prove this account was mine by the standard of Consumer Federal and State Law. I was sent statements by Zwicker and Associates that I did not recognize with my name on it but not contract with my signature that I entered into an agreement for credit with XXXX. I have seen plenty of complaints against both XXXX and Zwicker and Associates for harassment of consumers by breaking the FDCPA and with other people complaining of similar terrible treatment and inaccurate reporting and them breaking the consumer federal and state law of not responding in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
Company 's Response Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We reviewed the information you supplied. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. The format and verbiage of this complaint is similar to other complaints received from consumers utilizing the services of a credit repair company. To ensure the privacy of our response, Equifax will not respond to this complaint via the CFPB portal as we suspect that it may have been submitted using a credit repair company. Please be advised that you do not need a third party to help you with your Equifax credit report. You may contact Equifax at https : //www.equifax.com/XXXX if you have any questions or concerns in regards to your Equifax Credit Report. Unfortunately, there is not anything a credit repair clinic can do for you that you are not able to do yourself. If the information is accurate and furnished by a provider meeting the legal requirements for reporting credit information, it can not be erased from your file by companies advertising " credit repair '' or anyone else making these types of claims. Please note that any subsequent submissions utilizing the services of a credit repair organization will be handled in this same manner. The results of our reinvestigation will be mailed to your current address within 30 days utilizing our normal dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 made a payment for my capitalone credit card but it is showing a missed payment on my credit report.

Company response to consumer: Closed with explanation