BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an Apple Card with Goldman Sachs, which I connect my XXXX  XXXX checking account to the ACH service. 
It used to be connected to my old XXXX checking account, but I delinked and updated my bank information when I closed the account with XXXX over a year ago. Since then, I had no trouble having XXXX deduct my balance on due date from XXXX XXXX checking account until the most recent payment date, XX/XX/XXXX. 
On that day, XXXX somehow tried to withdrew my balance due {$64.00} from no longer viable XXXX Account. Since the transaction did not go through, XXXX charged me {$7.00} for the interest, and also the statement shows that they will charge me for additional interest on XX/XX/30 because my payment was overdue for the XXXX balance. 
I immediately contacted the customer service and explained the situation. I talked to two supervisors, and they refunded me the {$7.00} interest rate, but did not acknowledge the future interest. They told me that they would look into this and resolve within 10 days. Yesterday, I received an email telling me that the issue was fixed, but I still see the future interest rate charge on my card record. 
I contacted the XXXX customer service again, repeated the same explanation, but they insisted that they would only see on checking account info, XXXX XXXX. I tried to send a snapshot of the ACH transaction showing the last four digit of my old XXXX account, but they were not able to receive image files because of their system setting. 
Since I exhausted my options to resolve this issue with XXXX bank directly, I need your help to have them look into the error ( deducing the balance from my old XXXX account removed long time ago ) and remove any future interest charge since I paid everything on time even after they made this error. 
Thank you in advance for your support. 
I will attach a snapshot of 1 : my bank account info on Apple Card 2 : XXXX transaction showing that XXXX tried to withdraw {$64.00} from XXXX 3 : Future interest amount to be charged on XX/XX/30 4 : Past 6 months payment records showing that I have consistently paid via XXXX XXXX  account until XXXX bank made an error on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: SYNCHRONY FINANCIAL
State: GA
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:
Delete Late payments from SYNCB/Care Credit from XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states. ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, 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 2017-06-16
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I can not adequately express how disappointed I am in  Ally Bank and my first and only encounter with their establishment. I signed up for an online savings account. Confirmed the trial transactions to make the transfers - specifically designated that the funds were to come from my Money Market account. Then I find that the transfers did not go through, that my newly acquired Ally account was permanently suspended (   XXXX / XXXX /   17 ), t hat they had tried to transfer out of the wrong account and had then charged that account a total of {$66.00} for  XXXX  transactions supposedly for insufficient funds. If they had taken the transfer from the correct account, as designated, they would have found that there was more than enough to cover the transfer. I am out {$66.00} with apparently no recourse.

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 2022-07-20
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC, a collection agency, is alleging I owe {$560.00} for a delinquent XXXX XXXX XXXX  account. I have never had an XXXX XXXX XXXX account. In addition, I have never received any statements from XXXX XXXX XXXX, nor any past due statements. According to XXXX XXXX XXXX it's a valid account number. I filed a complaint with XXXX XXXX XXXX XXXX fraud department. They responded with, " XXXX XXXX XXXX has received your inquiry and determined that the account you have provided is currently being held by an outside collection agency and must be disputed directly with that agency. '' I disputed the bill with ERC and received a " statement '' that showed the amount due, {$560.00}. However, it showed no details about what constitutes that amount, nor any information about when the charges incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I was made aware of a collections added to my credit report. The amount due is {$96.00} and the company was ARS. I wasn't made aware of this debt until it popped up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: SYNCHRONY FINANCIAL
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:
XXXX pulled my credit report without authorization

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 2020-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I open business account with bank of America soon after my account was successfully open they frezze my account multiple time I try to call the fraud department to found out what happened no one will give me at correct explanation after contacting the customer service representative multiple times and going to the branch finally the release the hold soon after they did it few days later they put at hold in my Ccount again the Fter that I fax all my personal documents to the fraud department driver license copy social security card business license birth certificate light bill water bill with claims number attach i pay {$38.00} dollars to fax all this documents soon after that I call them two days later to request realeses of my business account with all my funds there finally they realeses the account but that same day XXXX XXXX from XXXX XXXX bank of America branch contacted me telling me that the reason I was having problems was because the bank during the opening of my new business account the bank add unauthorized person to my business account by error with my same name the only difference is his middle name but the rest of the name match my name this person was in XXXX XXXX bank of America office at the time she call me with police report requesting the bank to remove him from my account wish I never authorized this other individual lives 4 hr away from my city now the bank still holding my funds because supposedly Re investigating went they know already they make at mistake now I'm paying for their mustake and they avoiding me the only resling I get I have to wait being dealing with this bank error more them at week with no access to my funds dealing with pain and anguished I'm desperate dealing with covid19 loses now they holding my funds i try everything in my power im being verified by the bank multiple times I went to the branch 3 times they advoing me they not doing much for me just avoiding me I call the fraud department multiple times need help please ( 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 2017-06-16
Company: Navient Solutions, LLC.
State: NY
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:
Navient f ormally   XXXX   XXXX  . Would not honor student loan forgiveness program for  XXXX  in  a    XXXX   XXXX   XXXX   for 5 years- {$17000.00}. Navient -did not apply extra money sent in to my principal loan amount, would not lower my payments, and would not extend my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: MN
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:
lam a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times, I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: MARINER FINANCE, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I have been involved in this VA mortgage refinancing wit h Mariner Finance LLC s ince  XXXX   XXXX ,  2017 . We received a loan estimate amount of  XXXX  with a payment amount of  XXXX . Once the appraisal came in for  XXXX ,  XXXX  We never received an upd ated Loan Estimate o n the  XXXX  We were asked to run back and forth to fax machine to provide documentatio n. (  Many many times as documented .. ) Then on  XXXX   XXXX ,    2017  at  XXXX  we were sent a closing disclosure for the  XXXX  ( which had the incorrect spelling of name ) we were unable to open and sign. We only had phone access. We tried many times to send.   at  XXXX   XXXX  we sent  XXXX  a text that the Closing disclosure should have been signed and sent to her .At  XXXX   XXXX  she stated that she received them.   On  XXXX ,  XXXX ,   XXXX   .at  XXXX   XXXX  she sent text stating the documents were not signed and that we should sign and date for yesterdays date ( documented ) She then stated we could fax it to her. ( Advised the closest Fax machine wa s not Open on Saturdays  and Sundays.. ( She advised that she could get Monday as long as it was dated for yesterdays date. Also was asked by  XXXX   XXXX  to also backdate ( documented ) ( something I felt was morally wron g )   XXXX   XXXX   XXXX ,  2017  at  XXXX  (  19 min after supposed closing ) I received another set of closing disclosures. I compared the two sets o f final Closing Disclosures along w ith the Original Loan Estimate.  and noticed the one they were rushing me to sign the payment was  XXXX  a lot higher than the payment for the higher loan amount. And the payment for the second set of Final disclosures was  XXXX  We were not informed o  f ANY Number changes.
Information was left out   on the final closing disclosures that they were rushing me to sign on  XXXX !  XXXX  and  XXXX , as well as BIG number differences.   I never received a Loan Estimate on the  XXXX  I also do n't think its right To BACKDATE Legal and binding documents and as I understand it a new set of Final Closing Disclosure requires a 3 day review period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Experian Information Solutions Inc.
State: IN
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:
XX/XX/2019 I got to XXXX in desperate need of a car. My previous car has died. I'm working full time in the steel mill, my credit is bad, i have 4 judgements against me and am trying to just survive. The XXXX associate helps me find something that would work in my budget. He tells me not to worry about financing that he will help me out. XXXX doesn't do a verification check, an employee check, a credit check to my knowledge and gives me a loan. At the time I'm very grateful to have a car and hopefully I can double up on my payments to eliminate the insane APR. 

Fast forward a few months I have to take leave from work for XXXX XXXX, I come back from that and am laid off. I communicate this with XXXX and they say not to worry they will just add extra payments onto the end of the loan and my loan will always be current. I miss 5 of 6 months but am assured it will be backdated and everything will be fine. I never check my credit report I wish I had. 

In XXXX of last year I learn of a 35 state class action settlement for predatory lending, practices for XXXX that includes my loan, the time period of my loan. I reach out to Indiana Attorney Generals office to get the consent judgment, file a request for it and wait until XXXX. 

XXXX does not comply with what the judgment says. Does not delete the tradeline or correct the improper reporting on any of the credit agencies as they agreed to in the agreement. They claim that I am not part of this settlement. 

I want XXXX to take responsibility for this like they agreed to. I am grateful they gave me a loan in a tremendous time of need but that does not mean it wasn't predatory : Credit score under 500 4 Judgements Bad payment history No income verification 17 % APR on the loan Extended, though not defaulting the loan when 5 of 6 months were missed I wouldn't lend to me at that time. Fortunately my life has changed tremendously over the past 2 years. All of that negative stuff above is all but gone. I've corrected my life and have been healthy. My partner and I are trying to buy our first house and this XXXX tradeline has been a huge stain. It's not accurate. They lied, then settled with these states and didn't do what they said they would in the judgement. 

I'm asking the CFPB to please investigate this, reach out to XXXX  and fix what is wrong. I'm not the only person this has effected this is widespread which is clearly indicated about their predatory nature in the 35 state judgement. 

I'm attaching my requests with the AG of Indiana 's office and the Judgement

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 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XX/XX/2019 I got to XXXX in desperate need of a car. My previous car has died. I'm working full time in the steel mill, my credit is bad, i have 4 judgements against me and am trying to just survive. The XXXX associate helps me find something that would work in my budget. He tells me not to worry about financing that he will help me out. XXXX doesn't do a verification check, an employee check, a credit check to my knowledge and gives me a loan. At the time I'm very grateful to have a car and hopefully I can double up on my payments to eliminate the insane APR. 

Fast forward a few months I have to take leave from work for XXXX XXXX, I come back from that and am laid off. I communicate this with XXXX and they say not to worry they will just add extra payments onto the end of the loan and my loan will always be current. I miss 5 of 6 months but am assured it will be backdated and everything will be fine. I never check my credit report I wish I had. 

In XXXX of last year I learn of a 35 state class action settlement for predatory lending, practices for XXXX that includes my loan, the time period of my loan. I reach out to Indiana Attorney Generals office to get the consent judgment, file a request for it and wait until XXXX. 

XXXX does not comply with what the judgment says. Does not delete the tradeline or correct the improper reporting on any of the credit agencies as they agreed to in the agreement. They claim that I am not part of this settlement. 

I want XXXX to take responsibility for this like they agreed to. I am grateful they gave me a loan in a tremendous time of need but that does not mean it wasn't predatory : Credit score under XXXX 4 Judgements Bad payment history No income verification 17 % APR on the loan Extended, though not defaulting the loan when 5 of 6 months were missed I wouldn't lend to me at that time. Fortunately my life has changed tremendously over the past 2 years. All of that negative stuff above is all but gone. I've corrected my life and have been healthy. My partner and I are trying to buy our first house and this XXXX tradeline has been a huge stain. It's not accurate. They lied, then settled with these states and didn't do what they said they would in the judgement. 

I'm asking the CFPB to please investigate this, reach out to Santander and fix what is wrong. I'm not the only person this has effected this is widespread which is clearly indicated about their predatory nature in the 35 state judgement. 

I'm attaching my requests with the AG of Indiana 's office and the Judgement

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 2022-09-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX scam for the amount of {$2000.00} on XX/XX/28. Contacted bank and they refused to reverse the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: N26 Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Company closed my account without notice. Refused to provide me account statements. Refused to allow me to dispute fraudulent activity. Laughed at me on the phone after I said I was on consumerfinance.gov filing a complaint against them. They have refused to allow me access to my funds. This bank is a total fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: PNC Bank N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a mortgage that was with BBVA. I have never been late on my mortgage. I was charged a higher interest rate on a auto loan because BBVA is reporting that I was 30 days late in XXXXXXXX XXXX XXXX. That is not true. I have my receipts showing that I made XXXX 's payment on the XXXX of XX/XX/2020 and on the XXXX of XX/XX/2020 I made my XXXX payment. I will enclose with this complaint. my receipts. I have been disputing this and they are still reporting the inaccurate information on my credit. It has been well over 30 business days and they won't respond to my dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: EQUIFAX, INC.
State: UT
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:
XXXX. XXXX XXXX XXXX is currently reporting and updating on my credit file. This account was included in my Bankruptcy # XXXX in 2014. They are in clear violation of the Bankruptcy Law Act for updating on my account every month, and this needs to be removed off of my credit report.

Company response to consumer: Closed with non-monetary relief