BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My XXXX card ( managed by XXXX XXXX ) was sold to Marcus / Goldman Sachs some time last year. 
Transition of accounts began, approximately XXXX Since that time I have been unable to make purchases with the card. 
I have done the required account setup with Marcus.com/gm I have been on hold for more than 2 hours several days in row with their customer 'service ' line. ( so long each time that my phone battery died ) I have reported these issues to Marcus via direct message / XXXX- with the only response being an automated response. I observe other customers who have complained on XXXX receive nearly identical responses. 
Their website indicates chat is available - not so. 
There is no link provided to initiate cancellation of the card. 
There is no email address available. 
Marcus is holding we card holders hostage and responsible for any charge that may appear on our credit lines with no recourse to address the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX/XXXX XXXX reporting incorrectly on credit reports. On Transunion reporting lost or stolen card which was true, with XXXX balance and paid on time, which is true, on XXXX   reporting charge off last pay XX/XX/2013 and on XXXX reporting account transferred to another office and last payment XX/XX/2013.

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 2017-06-19
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On  XXXX   XXXX .   XXXX    XXXX  received and signed for, my  1st  letter disputing inaccurate reporting of a state tax lien on my credit report. They sent me a letter saying my request was ineligible ( stall tactic  )   On   XXXX   XXXX ,   XXXX     XXXX   received m y 2nd  letter, again disputing innaccurate reporting of said tax lien. I have received no response in regard to the tax lien. As of this typing,  XXXX , the tax lien is still appearing on my  XXXX  credit report.     They have removed public records, but, the state tax lien was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-06-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had spoken to a representative back in the fall of XXXX and this is where my journey with Lowes Credit and Synchrony bank started. I learned, that unless I hit a particular setting within there website, my payments would not pay off interest free promotions first. The representative I spoke to fixed one HUGE purchase interest issue, but instructed me to call back when I had time to look into older promo 's, in which interest was charged incorrectly because of promo 's not paid correctly. I did call back in late XXXX XXXX or early XXXX XXXX and the rep I spoke to put me on hold and told me, I should be credited back over {$1100.00} in old interest for promo 's not credited properly. Ive now gone back and forth with Lowes and Synchrony over this and while they credited me back interest for a couple months, as a courtesy, they never completed the amount to pay me back in older interest charged incorrectly. I was told by a rep on a chat line that as another courtesy, they would credit me back interest from my XXXX and XXXX or XXXX XXXX statements, and this not only never occurred, Lowes is refusing to look into this issue. Ive loved shopping at Lowes, love their credit promos and I continue to use them, but I think I should get at least these 2 months interest credited back as promised

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 monetary relief
Consumer complaint received 2015-09-03
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar hired XXXX XXXX, and they broke into my home and caused damage under the guise of property preservation and winterization. Nationstar knew the house was already winterized. They allegedly left the door they broke to my home open to the elements for 6 months and damaged door lock assemblies throughout, as well as tampered with my water pump in the basement which required servicing to repair by a professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: EQUIFAX, INC.
State: TN
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 want my government to protect me as I protected it with 2 XXXX  XXXX  and 2 XXXX  XXXX  and a soldiers XXXX XXXX XXXX I want my government to take action on their DATA BREACH. 



Equifax : I can not reach them by phone or online. When i try online it tells me to call a number. The number does not give a HUMAN BEING just a recording. It tells me I can not complete my request and I have to fax or mail. It does not tell me what to mail. 

I have mailed 4 times and no response. 
I was involved in THEIR INCOMPETENT DATA BREACH. THEY WILL NOT CONTACT ME TO FIX THEIR MISTAKE. This is costing me thousands of dollars They have made no attempt to help fix what their BREACH caused. I would like you to pull their license to operate in Tennessee or tell me what Court to go to and I will if you can not. There automated XXXX does not work and it just cost me XXXX. 
I need help from my government I need it now or I will go out of business My contact information XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Siggi LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Loan : {$4700.00} Loan Date : XX/XX/XXXX Rate of Charge : 29.516 % Filing and/or discharge fees : {$0.00} Interest Charges are Current through : XX/XX/XXXX I got a loan through Omni Financial on XX/XX/XXXX, and recently became aware that they violated the military lending act ( MLA ), that required military members pay by allotment. Which is illegal under the MLA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account on several occasions from Midwest Recovery for a payday loan in the amount of XXXX. I have contacted the company explaining I did not have an account at XXXX XXXX, neither did have I ever had a payday loan. This account and debtor continues to hassle me. I have been experienced identity theft in the past, resulting in someone getting a house in my name. This debt is not mine and I word hard and diligently to keep my credit and social security number protected. Dates of transation reporting on my credit began in XX/XX/2018, it was taken off in XX/XX/2018 and as of XX/XX/2018 it is back on my credit. I have spoken with this company letting them know this is not my account please remove off my credit but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, 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:
On XX/XX/XXXX i disputed XXXX XXXX XXXX XXXX to XXXX   and equifax and XXXX  and no one has done a full investigation into the credit card. I'm reaching out to you because i also called these bureau explaining that i reach out to the collector and then to the collection office where i paid my full payment. They both don't have any information on their system with my name or bday or social and a year ago i pay XXXX XXXX XXXX XXXX. On XX/XX/XXXX i explain again the situation and still the update to my account remains the same with the statement " updated- information on this item has been updated. please review your report for the details '' meaning they put a new date that the account was reported when this account was first reported in XX/XX/XXXX and they continue to put in false information. I have all the proof of them changing all my current information to new information that does not make sense to my account. Please i need to get help with this cause their doing this to all my accounts that are negative that i am trying to fix and making the situation harder on me. I have all the proof if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Per review of XXXX  credit report from XX/XX/2018 I discovered an outstanding account that I had no knowledge of and a validation letter was sent out requesting more information. On XX/XX/2018 I reviewed my credit report again and noticed that the account was updated to reflect as disputed however requested validation information had never been received and a 2nd validation letter was sent out. On XX/XX/2018 credit report was reviewed once more and the account remains on my credit report, affects me negatively and I still have not received any validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged XXXX  for car rental in XXXX. As a XXXX I am exempt from XXXX The credit card company refuses to refund the taxes they charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: First Credit Services Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX in XXXX TN is charging me membership fees that I do n't owe. In XX/XX/XXXX I opened a two memberships at {$20.00} bi-weekly each on a one year contract. In XX/XX/XXXX I went in to tell them I did n't want to renew in XX/XX/XXXX, the attendant noted it to my account in the computer. On XX/XX/XXXX I called to make sure that my membership was terminated on time and I was told that it was. But, instead they charged me a maintenance fee of {$39.00} for the next full year and continued to charge me for membership fees of {$40.00} a month. I told the person on the phone that I had asked for my membership to be canceled, not to go month to month. I did n't want to renew because I did n't like the gym. I was told to bring in a letter to cancel even though I did n't have a contract. I took the letter in the next day and they refused to take it. They said I had to give them a 30 day notice in writing, in which I had in my hand that day. They said I had to pay for the next months fees for the 30 days, even without a contract renewal. I argued with them that all I wanted them to do was stop billing me for usage, because I was n't coming to the gym anymore. I cancel on time at the end of my contract. I had paid all my membership fees during my contract, but they refused to accept my membership expiration date. I then went to my bank and ask them to block the automatic debit card payments on my account. I submitted a claim with my bank, told them what happened and they investigated and refunded me the payment transactions that XXXX XXXX had made past my expiration date of my contract. <P/>XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has place a collection account on my credit report for {$240.00}. I do not owe XXXX XXXX any money. They have been paid in full as of XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: National Commercial Services, Inc
State: AR
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My daughter had an accident a small finder bender, in XXXX XXXX the police got a report. Later the driver sent a letters of harrassment on his back, neck, missing days and the list goes on and on. It was turned over to XXXX ... I PAID THEM ... it was closed ... Later get letter from XXXX debt for XXXX ... REALLY ... for the amount I PAID XXXX 1000.00. NOW this company is harrassing for XXXX really ... ALL THIS CALLING, RUDENESS. THIS COMPANY HAS COMPLAINTS, COMPLAINTS ... I AM BEING DRAINED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
On  XXXX / XXXX / XXXX  i made two pay ments to Capital for {$75.00}, i cancelled one  but the other went through, to my account ending in  XXXX . I was told it was reversed but i have proof  one of the two w as resolved in a screenshot / I received an  XXXX  report on  XXXX / XXXX / XXXX  stating my request to investigate this error has been received. Since the n ( 7 mo nths later ) i have had my lawyer se nd 4 to 5 lette rs asking for an answer with no resolve.     Pleas notice in the document uploaded that there a re two paymen ts on  XXXX / XXXX / XXXX  for {$75.00},  one is cancelled one is  accepted, it is the one that is accepted that i am referring to as the payment i made. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: WELLS FARGO & COMPANY
State: PA
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 was at an atm in XXXX XXXX using my debit card. Several people were around, one said I did not close my account after a cash withdrawal. He pointed to the atm screen which appeared at first glance to remain open. He said I should reinsert my card to close it. I reinserted my card and the atm would not return it to me. I suspect the surrounding people jammed the atm somehow. I made many many attempts to obtain my card from the atm to no avail. I returned home and immediately called my bank, explained the situation and asked them to block my card. I check my card activity online after the call requesting the block. No unusual transactions occurred at that time. This occurred at approximately XXXX on XX/XX/XXXX. 
I checked my card activity later and noted several unauthorized transactions totaling approximately {$3700.00}. Early on XX/XX/XXXX I went to the local police office and filed a fraud/theft report. I notified my bank of the of the fraudulent transactions. 
My bank subsequently denied my claim. They never contacted the bank where the fraud occurred seeking video which was available, they never asked for the police report, they never contacted me in any way until I called requesting the status of my claim. I was told it was denied, no reason was given. I later, on XX/XX/XXXX received a letter at my U.S. address saying the claim was being benied and suggesting I was complicit in the fraud. I should also note that approximately 4 years prior I lowered the daily withdrawal limit on my card to {$1000.00}. Wells Fargo unilaterally raised that limit without asking or notifying me. 
I have contacted my bank, Wells Fargo repeatedly protesting their denial. I am still awaiting a 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 monetary relief
Consumer complaint received 2022-03-09
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card 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 certified letter at my home address from my employer that my paycheck would be garnished starting XX/XX/XXXX from a credit card that I opened up in XXXX of XXXX, for a dental credir from XXXX XXXX in the amount of {$1600.00}, for our .inor child. My ex is responsible for 87 % percent of this debt which is court ordered. I paid my percentage and more on this debt. There has been no payment on this since XX/XX/XXXX as I just now learned of. This has been sold to Midland Funding. I had no knowledge of any of this nor was I ever served any papers. I went to XXXX XXXX Ky Court House on XX/XX/XXXX to ask questions and review my file. Upon doing so I got a copy of a paper that was never served to me even though it was dated and acknowledged that I had been in XX/XX/XXXX. This is impossible as I didn't live at this address nor anyone that I know. I have lease papers to validate this. So after 2 years of no knowledge of this nonsense my check is being garnished. Statue of limitations has passed as well. This is not legally right whatsoever. I have seeker counsel on this as well and will be obtaining one next week. Thank you for your time. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06
Company: Credit Collections U.S.A., L.L.C.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a medical bill on my credit report ( s ) from XXXX XXXX XXXX  XXXX in the amount of {$190.00}. I have NEVER been to this dentist nor had any work done by him. I am NOT responsible for this debt. I have NEVER entered into any contract with him and/or his office therefore this debt needs to be deleted from all 3 credit bureaus.

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 2022-03-09
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a document from XXXX XXXX XXXX XXXX. They requested that I send information about whether or not I owe the debt. I submitted documents by mail on XX/XX/XXXX to request information about the debt. The deadline was XX/XX/XXXX, which was a Sunday I have not received any written information about the debt. Further, it states that Navient can not collect on the debt but they are trying to collect on the debt. This is concerning that this company is reaching out without having authority to collect anything. Further, it is not clear that the debt is even mine. I don't know if this belongs to me. The company 's name is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2022, I received an alert from my credit bureaus about someone opening up an account with my social security number. I want a report of all accounts opened in my name.

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