BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : 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 2022-10-04
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am an Apple Card customer. The Apple Card is held by Goldman-Sachs . This card is supposed to offer a daily cash feature that will give the customer anywhere from 1 % to 3 % Daily Cash on purchases. This Daily Cash is posted almost immediately after you make the purchase hence the term Daily Cash. I use my Apple Card as my daily use card. I buy everything from gas to groceries to clothes on this card and I spend thousands per month with the Apple Card. I have other cards but the ease of use and seamless connection to my phone makes this card great for daily use. Well, I started noticing that Apple was not applying my Daily Cash to my account back in XXXX  of 2022. I reached out to Apple as soon as I noticed the issue and they assured me that the problem would be resolved and and my Daily Cash rewards would start to post to my Apple Cash card. Here it is 6 months later and no rewards have been posted. I recently talked to Apple and Goldman Sachs support and they can not find the issue. After being on hold several times, I was told to call a company called XXXX XXXX that is supposed to be the handler of the Apple XXXX portion of this card. I explained to the tech that it is not my job to fix your faulty system and I should not have to be put on a wild goose chase to figure out how to get a reward that your company advertises as one of your key features that make your card special. The support tech had nothing to say other than an apology. As of this writing, the problem remains unresolved and I will no longer use the Apple Card as a daily card because it offers no rewards to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
X/XX/2017, I paid XXXX to cover my cash advance balance with Capital One. I noticed I was still being charged 25.90 %, which is {$73.00} in cash advance interest. I called Capital One and asked why am I continued charged the cash advance interest when it shows that the cash advance balance was paid. I was told that until the total bill is paid completely, I will be charged the cash advance of {$73.00}, which is totally unfair. I request that the charges stop because it 's paid and I was declined the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: NAVY FEDERAL CREDIT UNION
State: TX
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 have had fraud on my account with navy federal. International currency transactions are showing on my account in which I have never did business with. Because of the amount navy federal credit union refuses to even investigate the fraud. I have sent in legal documentation and was not even acknowledged that there was an error. The immediately said they did not find an error not have to investigate the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
A Capital One 360 checking account was closed out several years ago in 2018, closeout check was never received, appears lost/stolen, no funds received to date. Capital One rep, XXXX XXXX, attempted to reply by inferring the person whom may have intercepted check/cashed it, is related which is irrelevant.. The check was sent via XXXX while I was on vacation, intercepted, cashed by a third party, signature forged. I believe Capital One reps are well aware of this, refuse to reissue check in amount of {$4200.00} and or reissue affidavit. I was referred back to cashing bank, XXXX XXXX, in which case they requested another affidavit. The rep replying on behalf of Capital One, XXXX, has referred back to XXXX XXXX but refuses to reissue affidavit. XXXX also refuses to do the same, another rep replying on behalf of Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called Equifax on XX/XX/2022 went through all the automation ask for representative or specialist and was hung up on by the automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: BAM Management US Holdings Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
BinanceUS has updated their privacy policy to require users submit " biometric '' data to the company. Rather than agree to this policy, I would like to close my account and withdraw/transfer my funds. BinanceUS has no mechanism for this, and won't let me access my account/funds without accepting their updated policy. 

BinanceUS has not responded to my email/message to them regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Syndicated Office Systems formerly ( Central Finance Control ) is reporting a medical account on my credit report to XXXX that was discharged via Ch. XXXX in 2011. They initially reported the same account three different times. I have sent via certified mail a copy of the discharge and XXXX page but they continue to report the account. At present they are reporting the account as XXXX separate accounts to XXXX. I have repeatedly asked for them to provide proof of a valid debt and date of service to no avail. There is no valid or actionable debt as the debt has been discharged by Judges Order in the 2011 Bankruptcy. This false and fraudulent reporting is preventing me from being able to refinance my home in order to lower my present interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am contacting you due to several issues with Navient. I took a break from school several years ago. When I took a break I called my loan company to discuss payment options. Over the years I learned that I was never given all of my options to repay. I have a file of late payments due to insufficient payment options that worked for me. After some time I was told about the deferment program which I am currently on. I have not been able to renew on time every year because Navient never contacts me in advance to renew before the deferment ends. I have been on the program for years and the renewal is never updated on time. I have contacted Navient so many times since I am still unemployed with XXXX children. I even consolidated my loans because I did n't know what else to do. I 'm unhappy when I look at my credit report and Navient still shows all the old accounts separately when though the loans have all been consolidated. I 'm so lost and broke. I research to learn how to handle my loans on my own since Navient customer service is n't all that great. With no income how can I afford over {$700.00} a month in student loans alone. How can I feed my children? We have been homeless several times but Navient does n't care. I should be halfway done with 10 years with the IBR but does it count if I do n't renew on time? Is this Navients way of keeping me in a hole and preventing me from reducing my debt by end of year 10? Is there someone else I can talk to? Will the other accounts be removed from my credit report since I consolidated my loans? Is there any help for individuals with children, no job, bouncing from house to house just to make it? Now they are being sued because others are experiencing the same issue nationwide. How will this affect me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, I received a Writ of Execution and a Notice of Execution after Judgement from the Office of the XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV XXXX, for Allied Collection Services , Inc., with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, NV XXXX as Attorney for Plaintiff. It was for a medical bill that I had with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, NV XXXX, Account # XXXX, for {$790.00} in XX/XX/XXXX. I have never received anything else from them the insurance said they had to send some documents in before they paid and that is the last I have heard from them. Now this Allied Collection Services had added that the bill was {$1300.00} and they have added ; Principal {$1300.00} Pre-Judgement Interest {$440.00} Attorney 's Fee {$1100.00} Costs {$290.00} JUDGEMENT TOTAL {$3100.00} Accrued Interest {$7.00} Accrued Costs {$35.00} Fee of Writ {$25.00} ACCRUED INTEREST COSTS & FEES {$68.00} Garnishment Fee {$5.00} Postage/Other {$7.00} Levy Fee {$30.00} Commission {$65.00} TOTAL LEVY {$3300.00} I called Allied Collection Services XX/XX/XXXX, and told them I had not received anything regarding this medical bill since XX/XX/XXXX and I had not received anything from them saying they had taken over the debt or anything about aa court date or that they were garnishing my wages. She said they sent a letter in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have lived at this address since XX/XX/XXXX. I have not received anything from this Allied Collection Services until I received the Writ of Execution saying they were garnishing my wages. My name is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX or 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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 disputed an alleged bankruptcy being reported by Transunion several times from the year 2020 to now. The bankruptcy is being reported by Transunion as a XXXX XXXX XXXX with Docket # XXXX. Transunion has sent results many times claiming that they verified a bankruptcy in my name with the courts. I wrote a letter to the courts and they sent me a letter stating that they do NOT report or verify any public record information or any other information with credit reporting agencies. I have sent this letter from the court to Transunion several times and they still claim that they verified the alleged bankruptcy with the courts. Also, I have asked several times in my dispute letters for Transunion to send me the original documents bearing my signature that prove the alleged bankruptcy is mine and to send me the name of the person at the courts they spoke to so I can follow-up. But Transunion continues to ignore these requests. To this day, Transunion have never provided me with any original documentation bearing my signature or the name of who they spoke with at the courts to prove how they verified the alleged bankruptcy. Transunion has proven that they can not properly verify the bankruptcy they are reporting because they have not provided original documents or the name of whom they spoke to at the courts. By law, they are supposed to properly verify disputed items or remove it. I have attached the letter from the court, dispute letters I sent to Transunion and results from Transunion where it can be clearly seen that they lied about verifying with the courts. The letter I received form the court is dated in 2020 which proves how long Transunion has been lying about how they verified the bankruptcy and how long I have been trying to resolve this issue with them. Transunion is continuing to violate my consumer rights by reporting inaccurate information and lying about how they verified that information.

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 2022-07-22
Company: Experian Information Solutions Inc.
State: CO
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 XXXX account XXXX XXXXXXXX, XXXX account XXXX XXXX XXXX and XXXX, XXXXXXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX XXXX account XXXX XXXX XXXX have violated my rights. 

15. U.S.C 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 602A, Section 2. It also states a consumer reporting agency can not furnish my 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 explanation
Consumer complaint received 2018-01-03
Company: Big Picture Loans, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I received an offer for a loan from bigpicture loan company. I applied and was approved for a {$800.00} loan in XXXX of 2017. I needed the money for XXXX shopping. I am not sure if the details of the loan, ( interest rates, monthly payments ) were on my application. After reading the fine print after I received the money, I discovered that I was paying 684 % interest and would pay back {$5100.00} on a {$800.00} loan to be paid in 22 monthly payments of {$190.00}. I am on ss XXXX and can not afford this. I truly believe the company took advantage of me in my time of need. I did make my first payment ( direct debit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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:
CFBP Explanation to input in : ( can re-word it ) but must have all in the body In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States that I have to the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) : also states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I reviewed my credit profile and Saw an unknown DUPLICATE medical Bill from TEXAS XXXX XXXX XXXX XXXX XXXX I have not been to the hospital at this place nor am I liable. Keep in mind I have Medicaid insurance so my medical expenses are always paid in FULL. I have yet to receive any validation letters from the creditor and the credit bureaus are also ignoring my request. I have obtained an FDCPA lawyer to handle it from here because I don't know what else to do. I know it's against the law to ignore a consumer 's request. I have yet to receive a method of verification. This makes me angry because my credit score is being impacted!

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 2022-04-18
Company: Experian Information Solutions 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:
CFBP Explanation to input in : ( can re-word it ) but must have all in the body In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States that I have to the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) : also states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has executed a robo signed real estate document related to this account. However, there is no County Recorders Office record of the document. When I brought this fact to the attention of the single point of contact and requested a certified recorded County Recorders Office copy my request was ignored. Bank of America only response was to state that there is no requirement all real estate loan documents be recorded unless the bank intends to collect on any default through foreclosure. 
Fast forward to today, this document is now more than five years old and unrecorded. 
Bank of America has now caused to be recorded a Notice of Default and Election to Sell with California Declaration and a Substitution of Trustee on a now defunct Deed of Trust where no consideration has been made, accepted, or applied to the associated home loan mortgage account since XX/XX/2009.

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 2015-11-03
Company: TENET HEALTHCARE CORPORATION
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Account is still being credit reported after I received letters stating that they would be removed. Also received checks because if a lawsuit for this same thing and its happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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:
Hello, I am submitting a complaint against XXXX and Experian for a FRAUDULENT XXXX account. I have sent numerous letters including an FTC advising this account is not mine but they have ignored my request. I also saw a ton of FCRA violations ( different open dates, closed dates, activity etc ) From my understanding under the FCRA everything that reporting has to be 100 % accurate! This is impacting my score and needs to be removed ASAP! I have hired a FDCPA lawyer due to your negligence

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