BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: GOLDMAN SACHS BANK USA
State: NV
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 scheduled a payment of {$1700.00} to be paid to XXXX XXXX XXXX aka Goldman Sachs ) today XX/XX/23. This payment was authorized by me and is acceptable. 

However, XXXX XXXX XXXX aka Goldman Sachs XXXX has taken a second UNAUTHORIZED credit card payment from me two hours after receiving the authorized payment of {$1700.00}, in the amount of {$750.00}. I did NOT make nor authorize this second payment of {$750.00}. 

I have contacted XXXX XXXX several times today to have the unauthorized payment of {$750.00} returned to me and they have refused. I have also requested an investigation as to WHO authorized this second payment as it was NOT me and they refuse to provide this information to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30
Company: EQUIFAX, INC.
State: PR
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:
Today, XX/XX/2019, I requested a credit line increase for my XXXX credit card account, now administered by the bank called XXXX XXXX. XXXX XXXX used Equifax, as the credit bureau where they pulled my credit report, also without affecting my credit score, because they use a soft inquiry, just like XXXX XXXX. But, once again and as I expected, XXXX XXXX XXXX XXXX XXXX incorrect credit reports about my 2 accounts with them keep appearing also on Equifax, and it is negatively affecting even a {$400.00} credit line increase request, with no possibility of consideration, unless XXXX   XXXX also receives the evidence as fast as possible, in order to see that all the steps were followed by myself with XXXX XXXX  XXXX XXXX XXXX in order to correct this error they allow, against the Law called the Fair Credit Reporting Act : I am including the Brief currently been seen at the First Circuit Court of Appeals in XXXX, MA, because I also had to complain against a magistrate judge here at the XXXX XXXX XXXX XXXX XXXX for his unsupported conclusion, against all the evidence included. My Interrogatory to XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX ) clearly presents the incorrect credit reporting problem, the steps I followed, and why I had no choice but to file a Lawsuit. The Brief size in MB is too large for the CFPB, so I had to divided it today, XX/XX/2019, but the Brief was not sent today to the Court, as the same Brief shows. XXXX XXXX   never answered. I am sending the Brief to the 3 credit bureaus, no matter they can only contact XXXX XXXX,. so there is evidence that I did took the Case to the Courts and the problems the violations against the Law from that other Bank unfairly creates to myself. Please verify at the pacer.gov web site under case XXXX to see this is an exact copy. Last payments to XXXX XXXX Credit Card were made, as agreed, last XX/XX/2019 on the amount of {$120.00}, and now there is just 1 more payment needed to reach 36 payments made directly to XXXX XXXX XXXX XXXX under that certified payment agreement for this credit card with the same XXXX XXXX  XXXX XXXX XXXX, but none were reported to the credit bureaus, and the XXXX XXXX last payment of {$260.00} was made on XX/XX/2019, as agreed. Both accounts are with the same Bank, and Paid as Agreed. Please review the Brief for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX  offices have reported invalidated information to Transunion and Transunion has illegally published the information to my consumer report which may constitute in fraud under both Federal and State Laws. Due to this fact, the negative marks found on my consumer reports by XXXX, has caused me to bring XXXX XXXX XXXX XXXX, Consumer specialist office of the XXXX  Attorney General, in to kindly assist me in resolving this situation. I have communicated with XXXX for the past 12+months in hopes that they would properly validate the debt ; however, they've repeatedly responded with documents and verbiage that does not officially validate anything. Although, they have not been able to produce validation they've reported a XXXX  day past due account to a Trans Union consumer report that's associated with me, and Trans Union has published the negative information on my report illegally and they're civilly liable for their actions. This situation has completely ruined my reputation and it's going to be extremely hard to recover.

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 2021-06-26
Company: EQUIFAX, 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:
The following account is reporting INACCURATELY. 

XXXX XXXX  XXXX Account Number : XXXX This account should not be considered late for 90 days 55 times. This account has been charged off since XX/XX/2014 yet is still reporting late. Please prove that this account was in fact able due for a payment on those dates after and prove that the owner of the account had legal right to collect payments for those alleged late dates or REMOVE THE ACCOUNT FROM MY REPORT. 

This account was also removed from XXXX I have requested paperwork proving the accuracy according to section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, INC.
State: CO
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'VE BEEN PAYING MY MONEY FOR EQUIFAX CREDIT REPORTS WHICH SHOWS MY SCORE IS XXXX WHAT IT SUPPOSE TO BE AND THE WHEN MY CREDIT UNION PULLS IT ITS IN THE 400 'S WITH NEGATIVE ITEMS. THERE ARE TECHNICAL ISSUES CONCERNING MY EQUIFAX REPORT AND THE KEEP HANGING UP ON ME I EVEN TALKED TO GLOBAL CONSUMERS MANY DIFFERENT DEPARTMENTS AND I AM TIRED OF IT. GIVING ME THE RUN AROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had a credit card opened in my name from XXXX that was used for a XXXX XXXX store card I never opened this account I am trying to get this resolved now account was opened on XXXX of XXXX payments were made on this account last payment was made in XXXX of XXXX for the amount of {$220.00} I never received statements in the mail for this account the statements were going to another address other than mine the account is now closed and in collection for the amount of {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I spoke to a XXXX XXXX at ( then ) JG Wentworth -- now Freedom Mortgage -- about refinancing. He took my information and, after deciding he could get my mortgage refinanced, told me to apply and that he could get it done by XX/XX/XXXX. I sent all the documents he requested that same day. He did not disclose that AG Wentworth had been taken over by Freedom Mortgage. Had I known that this company was about to be transitioning to new ownership, I would not have applied. I had many choices, as I went through XXXX to find lenders. He chose not to tell me -- I know that he knew of the change because I asked him later, after I found about it from the loan processor when I was informed that she couldn't access all the documents I had e-signed. 

It is now XX/XX/XXXX. This is what we learned : 1. The notary came today, and I was told that there was an escrow fee -- XXXX said when we spoke to him XXXX that there would be no fees. The notary talked to the escrow company, pointing out that there was a credit to be applied, so no fees. The person she spoke to said that that was wrong, and that fees would be applied. 

2. Property taxes, homeowners insurance, and flood insurance were paid by the borrower and not to be included. However, the lender added flood insurance to the mortgage, raising the monthly mortgage. Loan processor didn't inform me of this. No one told me that Freedom Mortgage required this. 

I refused to sign the loan. I'm now searching for another lender, after three months of waiting. I wasted money on an appraisal, unless I can find somewhere that will accept the one they did. 

This loan rep was dishonest. This whole process was like being taken for a ride. Very unprofessional and disreputable.

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 2018-05-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My son in law got a student loan some years ago without my approval but using me as a cosigner. My son in law is XXXX XXXX XXXX who lives now in the XXXX suburbs. The loan was taken out at least six years ago possibly longer I'm not sure.

The company involved is Navient. They call here three times a day and when my daughter tries to talk to them they won't allow her to speak to them. Even though she is still XXXX XXXX XXXX  wife and my daughter. She has told them that I have had a XXXX and I can no longer speak on the telephone. Besides the XXXX interfering with my XXXX XXXX XXXX is very XXXX and XXXX them would be difficult. She has sent in the power of attorney that I gave her but they still refuse to speak to her. But they still keep calling.

How can I settle anything or explain my side of the issue if they won't speak to me. Now my son in law is working full time at a very good job where my daughter and I live on social security. Why aren't they going after him?

I get no help when I mail them and with them refusing to speak to my daughter their calls are noting more than harassment. Can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022, I booked a flight from XXXX, XXXX to XXXX, XXXX using the Capital One XXXX XXXX associated with my Capital One XXXX XXXX card. The cost of the flight was {$260.00} and my Capital One confirmation number for this reservation was XXXX. As part of this reservation, I received a benefit that if the price of the flight dropped within 10 days after my purchase, I would be refunded by Capital One for up to {$50.00} of the price drop amount. 

On XX/XX/2022, after daily review of the Capital One XXXX XXXX travel portal, I noticed that the price of my flight had dropped to {$220.00}. I took a screenshot for my records and awaited a refund of my flight as the price drop terms applied to my purchase. A copy of this screenshot is attached to this complaint. 

On XX/XX/2022, after the completion of the trip and 10 day price drop period, I reviewed my account details and noticed that no refund had been provided to my Capital One XXXX XXXX card. I proceeded to call the Capital One XXXX team for assistance. They advised that they did not have any records of the price drop and were unable to assist me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Applied for a cellphone service through XXXX XXXX. All approved, phone ordered. Went to store to buy the phone, setup the account etc. but received awful service and rude salespeople. Decided in the shop NOT to continue with the service setup and told them I no longer wanted the phone or service. Never received or even touched the phone, never activated or started service with XXXX. Decided to go with a different company. 

Received a collection bill from XXXX in the mail. Called them 3 times to try sort out, every-time going through the whole same explanation and EACH TIME they can see no service was even started, they apologize and promise they would fix it. 

Then I got a credit alert from Experian that there was now a delinquent account on my perfect credit report and my credit score has dropped substantially. Immediately looked into this, saw it was from XXXX and submitted a dispute online through Experian. 

Once AGAIN called XXXX XXXX to sort this out and once again I had to explain the whole situation, once again got an apology from XXXX and promise to sort it out and contact the credit bureaus to remove the negative report. 

I then get a result of the dispute from Experian to say " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' So basically this INCORRECT information is still on and affecting my credit report. XXXX has admitted their mistake to me every time I called them but this is still not resolved on my credit 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 non-monetary relief
Consumer complaint received 2018-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
I've paid off the debt with the collection agency and was given a letter that they have instructed the credit bureaus to remove the account from my credit profile but Transunion continues to report on the account as open and unpaid.

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 2019-03-27
Company: FEARON FINANCIAL LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX agents made us apply with Keller Mortgage, against our wishes and then tried to bribe us to use them by paying us XXXX. This is an obvious respa violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My personal information was compromised as part of the huge hack into the Equifax security breech. I looked on their website this morning ( XX/XX/XXXX ) and it said that my personal information was included in the information hacked. The Tech Security team at my workplace recommended filing a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Couch Lambert LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I didn't receive information about the attempt to collect the debt and wasn't afforded the chance to settle the debt, and was blindly sued by ; Plaintiff ( s ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Attorney XXXX XXXX XXXX Couch Lambert LLC, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX Case number XXXX Court XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/2022, I was served with the citation and called Couch Lambert LLC at XXXXXXXX XXXX. I spoke with XXXX XXXX and was told they sent a demand letter by mail. I responded that all of my information remained the same and that the mail must not have reached me and was maybe lost, but I did not receive it. I also mentioned that a lawsuit without first calling me to settle the debt is a bad business practice and has brought me more stress, especially since I am an unemployable 100 % XXXX veteran and that my only source of income is VA benefits and a Department of Defense annuity. She further requested that I send my bank statements to their attorneys for review. 

This is a bad business practice, and not only that, I am being put through unnecessary pain and suffering the fact that I have a medical condition such as XXXX XXXXXXXX that is being triggered by their lack of due diligence. All XXXX had to reach out instead of the unnecessary lawsuit without exhausting all means to settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Transunion was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: JPMORGAN CHASE & CO.
State: TN
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:
On XX/XX/XXXX, I called Chase in regards to my Chase Sapphire Preferred Card that was past due by 30 days. It had come to my attention via an email that was sent on XX/XX/XXXX. I was not aware of a payment due as this account is on autopay and this card was not active for over a year. At the time I received this email, I was traveling internationally and did not have access to my phone/email/data. I was able to finally make a phone call on XX/XX/XXXX, 1 day past the supposed 30 days. After speaking with a customer service representative, the charge was {$95.00} for an annual fee. The current bank account on file was no longer valid and resulted in a late payment. I was under the impression that my account would be fine as long as I made a payment when I returned to the States. I wanted to pay that day but was was unable to make a payment since they needed a routing and checking numbers and I did not have them due to travel. 

I had received an alert from XXXX  saying that my credit score dropped 66 points due to 1 missed payment in 14 years. I proceeded to call Chase today, Monday XX/XX/XXXX to resolve this issue. I have an excellent repayment record since XX/XX/XXXX and because of this one late payment, it reflects poorly on my creditworthiness. Chase told me that there was nothing they could do not report a change even though I paid to settle the account. I was not not given an opportunity to settle this before it was reported to the credit bureau. My account does not have an outstanding balance of thousands of dollars or was late in the past. Its frustrating that I wasnt given the opportunity to remedy this situation as a loyal customer before being reported. Chase proceeded to tell me that I had been notified by email and by mail. I had received one email on XX/XX/XXXX.

Company response to consumer: Closed with explanation