BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: GOLDMAN SACHS BANK USA
State: NJ
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:
I opened an Apple card in XX/XX/2021 as part of the process to purchase the new XXXX XXXX. I was approved for amount required and completed the transaction on XXXX 's website. At some point during the transaction there was some failed communication between XXXX and Apple Card, because Apple Card shows a pending transaction for over {$1400.00} but XXXX the merchant has no record of the transaction. The card now is basically unusable because until the transaction clears I can't reorder the product. 

The transaction has been pending since XX/XX/XXXX and even though I've spoken to XXXX ( in person and on the phone ) multiple times and Apple Card multiple times, each side says the problem is on the other side and no one will help me. 

Apple Card says pending transactions will be cleared after 2-3 days and at most 2 weeks after a merchant starts a charge. It's now been 5.5 weeks of this pending transaction. I tried to dispute the charge but Apple Card says they can't dispute the charge until it posts. So basically until this transaction posts, I'm in complete limbo when I tried to use an Apple credit card to purchase an XXXX product.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: First Reliance Holdings LLC
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My paycheck is automatically deposited on the XXXX at XXXX. Had been for years. The bank purposely ran debits at XXXX, overdrawing my account, hit me with multiple OD fees, THEN deposited my paycheck. 
When discussed with the manager, she said I dont care so I closed the account. 
Do not bank with First Reliance!! 
Regardless, This needs to be deleted from my credit reports because it is from XX/XX/2010!!!! Nine years ago! And is a violation of the FCRA. 
Thank you

Company response to consumer: Untimely response
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
According to all credit reporting agencies have my student loan debt reporting 1 90 day late and nothing else my account was in Different this reported date was on or around XXXX. XXXX, 2015 I need this 90 day removed from my credit history!

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 2021-07-13
Company: EQUIFAX, INC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed bankruptcy in 2017 and all my student loans was included and grated discharge. They need to be removed from my credit report. Ive been fighting this since I filed bankruptcy on them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
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: Personal information incorrect

Complaint:
I have sent in my ftc report I have sent in I have five disputes and Equifax will tell me that results are completed and that the information has been DELETED!! I have still ever time checked and the information that is NOT MINE AND PROOF HAS BEEN GIVING THAT IT IS NOT MINE IS STILL SHOWING ON MY CREDIT REPORT AND I AM NOT HAPPY ABOUT THIS COMPANY WHOM KEEP VIOLATING MY RIGHTS I WANT THESE FALSE ADDRESSES DELETED NOW XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Only address that is min is the one on my eleteric bill I just summited as proof on this form

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THIS IS A COMPLAINT AGAINST XXXX/TD, BECAUSE IT IS REPORTING AN INQUIRY IN THE XXXX AGENCY WITH DATE OF XX/XX/2018. THAT I DO NOT AUTHORIZE, REQUESTED WITHOUT MY PERMIT AND IN A FRAUDULENT FORM, BECAUSE I NEVER AUTHORIZE IT. I AM A VICTIM OF THEFT OF UDENTITY AND I HAVE NOT BEEN ABLE TO OBTAIN MY DATA TO MAKE A CONSULTATION THAT I HAVE NOT AUTHORIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello, I have made several attempts to just get an explanation of each student loan I have with Navient. 
Each time I call, I do not get answers. I have 17 student loans which I have paid over {$44000.00} already. 
Loan 1 I owe {$3500.00} 2-Paid Off {$2800.00} 3-I owe {$2000.00} 4- Paid Off {$1200.00} 5- {$3100.00} I owe 6-Paid Off {$2300.00} 7-Paid off {$1900.00} 8- I owe {$3500.00} 9- I paid off {$2000.00} 10- I owe {$5500.00} 11-Paid Off {$320.00} 12-Paid Off {$120.00} 13-Paid Off XXXX 14- Paid Off {$1700.00} 15-Paid Off {$8400.00} 16-Paid Off but they have no info 17-I owe {$8000.00} I have paid in total just under {$45000.00}. If you add up what I have paid from above, this does not add up to that amount. I keep simply asking where is the rest of my money? Where has it gone to since the above adds up to only about {$23000.00}. And they are saying I still owe over {$25000.00} more. 
Each time I call they can not explain it to me and keep telling me someone will call me back. This has been going on since XX/XX/2019. 
I have all the proof of what has been paid and I just want more answers. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an alert stating my score has decreased due to a new collection. I then went to my report to see what new collection this could possibly be. I saw the Phoenix Financial Services showed as a collection ( medical bill ). I then looked at my report because I have not had any surgeries are anything done this year. I found that this collection agency previously reported this {$500.00} collection on XX/XX/XXXX and it was placed for collection ( date assigned ) XX/XX/XXXX. 
I then called XXXX  and asked if this reporting is legal, because it is not a new collection. I gave them my report number where I found the previously reported collection and they opened a dispute for me. I had to wait until Monday to call XXXX because of the XXXX Holiday. Monday I called XXXX and was told by an agent, after giving them the report number that the collection is not showing on that report nor was it previously reported. It's only showing the XXXX report date. I advised that I have a copy of my previously pulled credit reports from XXXX of XXXX and it shows on all three reports. I was told again that it was not showing and to call the agency. I said okay and advised a copy of my report would be sent to them showing this previously reported collection that is with the same company. 
The collection agency nor I had any contact this XXXX year. So nothing has changed for this collection to be updated or re-reported. Since XXXX said this information is not showing previously and I have proof that it has, so I decided to make this complaint with CPFB. Since false information was given on both sides. 
Is this practice legal? Can the same collection agency keep updating your collection as new? This updated collection has brought my credit score down 40 something points and I know when the collection was first reported my score was hit then. is it legal to hit my credit score every time the collection agency feels like updating. Asking, is it legal for a consumer to be punished repeatedly for the same collection?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Reverse Mortgage Solutions, Inc.
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
The Summons and Complaint fail to meet the requirements of New York State Banking Law, Rules of the Courts of New York State, and other applicable laws, rules and regulations relating to residential foreclosures. 
That the bank paid the contractor for work it had not performed which the deceased repeatedly advised the bank of and, as a result of this failure the deceased caught on fire due to the contractor 's failure to upgrade the electrics as agreed in the reverse mortgage. 
That as a result of this electrical fire, the decease and her heirs suffered emotional and financial harm which may be permanent in nature. 
Despite the fact that the deceased, XXXX XXXX XXXX, made every effort to comply with the agreement regarding the repairs and the placement of funds in escrow, the plaintiffs are attempting to foreclose on the mortgage to collect the sum of {$430000.00} plus additional fees and costs from the deceaseds heirs and deprive them of the use and enjoyment of their home while still withholding the current contractors fees needed for the completion of the repairs on their home which the initial lender and its predecessor have held in escrow for over three years. Moreover, many of the required repairs which were caused by the contractor, XXXX XXXX XXXX XXXX who the Lender immediately paid without inspecting the property before making this payment, and in spite of XXXX XXXX XXXX XXXX failure to properly repair and complete the required repairs which were noted in the contract between the deceased, XXXX XXXX XXXX XXXX and the Lender. Furthermore, the Lender is still holding funds that were placed in escrow for the deceased to receive upon her signing the agreement with the plaintiffs predecessors in XXXX of XXXX. That the bank also failed to pay the deceased the money agreed upon in the reverse mortgage and without justification. 
That the bank improperly failed to inspect the work of the contractor in spite of several complaints by the deceased 's daughters that the work had not been completed or properly done even after acknowledging that it had been made aware of these matters by the deceased 's daughters. 
That the bank 's claims violated NYS and federal laws regarding usury and the Fair Debt Collection Act. 
That the bank continues to add illegal and inappropriate fees to the balance of the reverse mortgage. 
The bank also violates the Consumer Fraud Acts.

The bank violated its agreement with the decease once it failed to pay her the agreed amount ; to inspect the work of the contractor prior to cutting the check ; and by failing to direct the contractor to complete and to do the agreed upon work pursuant to the reverse mortgage agreement. 

Finally, XXXX sold the mortgage to RMS Mortgage on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: General Motors Financial Company, Inc.
State: CA
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:
XXXX has been non-compliant with removing the unverified account GMFNANCIAL which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that GMFNANCIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
MY NAME IS XXXX XXXX WAY2GO CARD # XXXX IS THE NEW CARD, THE PREVIOUS CARD HAS BEEN DEACTIVATED DUE TO UNAUTHORIZED CHARGES. 

ON XX/XX/2021 THE XXXX XXXX XXXX IN XXXX XXXX XXXX CHARGED AN UNAUTHORIZED {$1800.00} TO MY WAY2GO CONDUENT MASTER CARD/DEBIT CARD WHICH IS A PREPAID CARD FOR MY CHILD SUPPORT PAYMENTS. THE XXXX XXXX XXXX CHARGED AN UNAUTHORIZED {$1300.00} TO THE SAME CARD THE SAME DATE. I NEVER HAVE BEEN TO EITHER ESTABLISHEMENT NOR HAVE I AUTHORIZED THESE FRAUDULENT CHARGES. I WAS NOT AWARE OF THE CHARGES UNTIL I CHECKED MY CARD BALANCE AND IT WAS A LARGE NEGATIVE BALANCE. AFTER GOING THROUGH MY STATEMENT I IMMEDIATELY DISPUTED THE CHARGES WITH WAY2GO CONDUENT WHO RESPONDED BY TELLING ME THE MERCHANTS REFUNDED THE CHARGES WHICH WAS NOT TRUE. I ASKED FOR PROOF OF THE REFUND OR CHARGE REVERSAL AND PROOF THAT THE AMOUNTS HAVE BEEN CREDITED TO MY ACCOUNT. I HAVE NOT RECEIVED PROOF OR DOCUMENTATION OF MY CARD BEING CREDITED FOR THOSE UNAUTHORIED AMOUNTS. MY ACCOUNT BALANCE IS CURRENTLY NEGATIVE IN THE AMOUNT OF THE UNAUTHORIZED CHARGES WHICH IS CAUSING ALL OF MY INCOMING DEPOSITS TO GO TOWARD THE NEGATIVE BALANCE. I AM NOT RECEIVING MY CHILD SUPPORT PAYMENTS DUE TO THIS ERROR. I WOULD LIKE A FULL CREDIT FOR THE {$1800.00} AND {$1300.00} SO THAT MY CARD IS BACK IN GOOD STANDING AND OUT OF THE NEGATIVE. I HAVE NEVER HAD A NEGATIVE BALANCE UNTIL THIS ERROR OCCURED. I HAVE SPOKEN WITH 6 DIFERENT PEOPE IN THE DISPUTE DEPARMENT REGARDING RESOLUTION. I WAS TOLD A TROUBLE TICKET WAS CREATED ON MY BEHALF IN ORDER FOR THE CREDITS TO BE APPLIED TO MY ACCOUNT. I WAS TOLD TO ALLOW XXXX TO 5 BUSINESS DAYS FOR RESOLUTIN, YET IT HAS BEEN 9 BUSINESS DAYS AND STILL NO CORRESPONDENCE OR RESOLUTION FROM WAY2GO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Experian Information Solutions Inc.
State: CA
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 contacted Experian in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX advising that they are reporting XXXX XXXX with late payments in the months of XX/XX/XXXX - 60 day late, XXXX XXXX  60 days late, XXXX XXXX 30 days late. I asked Experian how can the other two bureaus XXXX and XXXX report on time, no late payments and they are reporting late payments. I have asked Experian to send me documentation that they used to verify the late payments they are reporting and still as of today I have not received a response or any documentation.

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 2018-01-31
Company: MARINER FINANCE, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
On or around first week of XXXX I notified personal finance company of my situation and stated that my husband was just diagnosed with XXXX and that I would be required to stay home and be full-time XXXX  and I was reaching out to see if there was any kind of additional emergency type of qualifications I could apply for it to help me through this difficult time to make sure I stay on track with loan. I was told very quickly that there is nothing offered for any emergency situations or life changing events that alone must be paid can not be late or they would have to come and get the bike that the loan was against and sell it that my only choice was to have them redo the loan and have me get caught up and sign it well by XX/XX/XXXX I was told that was my only option I have to sign another loan agreement during that time I was overwhelmed with the news of the XXXX with my husband the seriousness of it and I felt like I was taking advantage of emotionally being coerced to sign a document as my only option. Since this time I have once again falling behind the acceptable amount of time before I'm getting calls and threats of taking my property once again I explained for the third time that my husband had XXXX away XXXX XXXX and then all I'm asking for is a little bit of time so that I can obtain the money from the estate to try to get back on my feet but until that time I can not give them a for-sure answer when I can pay I kept in direct communication with everyone during this hard time and what I thought was the light at the end of the tunnel was not a gentleman I spoke to said he was going to look over my loan and see if there was anything he could do and I said that's all I want just see what you can do you know all I could do is tell you the next week or two I'll figure out something okay I got off the phone with him then today XX/XX/XXXX I was called by XXXX XXXX who said he needs a payment today or they will come and take the bike I literally was shocked by how I was treated and talk to during a very hard time that was beyond my control he said I signed a loan agreement and I have to honor it so I told him I would do what I need to do to complain or be heard by someone else other than him and he said he will do what he has to do so now I worry that someone is going to bang on my door take my bike or traumatize me further all I want is for somebody who has compassion and ethics to review this matter and stop any inhumane things from happening to me during this time 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 2021-10-25
Company: ARS National Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is for XXXX XXXX Bank and their collections services ARS National Services Inc. The account I had with XXXX was for a credit card that needed to be paid. The account was then passed to ARS National Services for collection. I called ARS National Services on XX/XX/XXXX and identified the debt with XXXX XXXX Bank with account representative XXXX XXXX XXXX. On the same day, the debt was settled for {$2700.00} and paid through a check from my XXXX XXXX  account deposited on XX/XX/XXXX. I received a letter sent from XXXX XXXX on XX/XX/XXXX stating that ARS accepted the settlement for the referenced account. It was stated on the phone that the settled debt would be reported to XXXX XXXX XXXX, then updated and removed from my credit report. However, I received mail notification sent XX/XX/XXXX that XXXX XXXX and ARS National Services are now trying to collect a new and different debt in the amount of {$1800.00}, which was reflected on my credit report. I am not acknowledging that I owe this amount, nor do I validate this amount as it conflicts with my notification of debt settlement received by ARS, and what was discussed verbally on the phone. Supporting documents are in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Experian Information Solutions 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:
Experian is reporting ( 4 ) duplicate entries on the XXXX XXXX XXXX - account number XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages 4, 5, 6, and 7 of the attached credit report. ) These multiple entries are for the same amount of {$100.00} ; reporting the same start date and the same reporting date. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items, however I have not been successful.

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 2020-10-11
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: Was not notified of investigation status or results

Complaint:
I recently sent a letter over 60 days ago, to this bureau, and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this, with no response.

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 2018-01-31
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My escrow account is in the negative due to Caliber Home Loans paid taxes for my house and another house with the same street name from my escrow account. I called in XX/XX/XXXX and was told it would be fixed. Called a few more times in XX/XX/XXXX and was told it was being fixed.. Well it's XX/XX/XXXX and still no resolve. I received a statement stating my mortgage was going up to XXXX due to my escrow acct was XXXX. I called and was told they are still working on it. I was transferred to XXXX XXXX the 3rd party carrier and they said they only did what Caliber told them to do. OnXX/XX/XXXX I was speaking with XXXX agent ID XXXX at XXXX XXXX  and she stated it was not her problem and transferred me to XXXX agent ID # XXXX. XX/XX/XXXXi received a new statement stating my new mortgage payment would be XXXX starting XXXX. Caliber has not received the refunds for the payments they made in error for the taxes. However, I was told if i do not make the monthly payment until they fix it, I could go into foreclosure. I am a single mom who busted my XXXX to get my family in a house. I have paid all mortgages and for them to threaten me that i may lose my home for their error is absurd. I need help. Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: IL
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation