BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: EQUIFAX, 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:
On XX/XX/2022 I wrote Equifax to investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  due to errors on my credit report. Equifax sent me a letter back that the accounts where verified. According to the law they did not do a proper investigation which means the accounts have to deleted and at this point can't be modified. Violations include 15 USC 1681 section 602 A. State I have a right to privacy. 15 USC 1681 section 604 A section ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. I have additional information or supporting documents that reveal how a proper investigation was supposed to be done by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: GOLDMAN SACHS BANK USA
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 I changed my credit card number on my Apple Card due to a subscription I no longer wanted. I contacted the merchant asking that the cancel my subscription. They refused. The only option i had was to change the number on my card, hoping that would stop the merchant from charging my card. XXXX, XXXX, XXXX, the merchant, The XXXX XXXX, charged my card without my authorization. After I requested in writing that I wanted my subscription canceled and they refused to cancel my subscription and continued to charge my card. That is fraud. 

I spoke to XXXX, and XXXX, supervisor, who gave me very incorrect information when I asked HOW my card was still charge after i changed my card number? They wrongfully told me that Mastercard will give a merchant your card number if the merchant asks for it. And that is the only way the merchant was still able to charge my card after getting a new card number. I said, Ive never heard anything like that. I called Mastercard and spoke to a rep by the name of XXXX. She told me that XXXX does not have access to our card numbers and they do not give out card numbers. Furthermore, Mastercard does not have the authorization to just give out your card number to ANYONE asking as that would definitely contribute to Identity Theft. 

I had to call several times about this serious issue but was made to feel as though it was not that big of a deal. Another rep, XXXX, assisted by cancelling my card which was a step higher than just changing the card number. She also had me to remove the card from my wallet and reattach the card. She said this will stop the merchant from charging my card in the future. 

Ive attached an email from the merchant/network owner that instructs subscribers to email her if we want to cancel our subscription any time. I also attached my email, telling her to cancel my subscription. I attached a screenshot from Mastercards website that directs consumers to IMMEDIATELY contact our bank if we believe we have experienced fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Mortgage Research Center, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We started our conversation with XXXX XXXX XXXX XXXX  ; we received a pre-approval and were working on finding a home. After we found our new home, XXXX XXXX wanted to have a telephone conversation informing me our interest rate is XXXX, not locking in the rate, and we will have to buy points totaling an out-of-pocket cost of over {$15000.00}, and as our loan progressed that number increased to over {$18000.00}. In our phone conversation, I told XXXX XXXX what Veteran 's United is doing is Predatory Lending ; of course, XXXX XXXX disagreed. Once I realized how much Veteran 's United ( XXXX XXXX XXXX was going to be charging, I searched for other VA Home Loan Lenders and found another lender with a higher pre-approval, a lower interest rate, and lower points cost. I informed XXXX XXXX on XXXX that we are moving forward with another lender. XXXX XXXX said they've gone pretty far into this loan and wanted me to share our newest loan estimate to see if XXXXVeteran 's United could match it or do better. My response was very clear, saying we allowed Veteran 's United to give us your best rate, and now, after we've found a cheaper loan package, she wanted to negotiate. I included we are steadfast in our decision and will not be moving forward with Veteran 's United. Around this time, XXXX XXXX had ordered the VA Home Loan Appraisal ; I was charged {$700.00} for the Appraisal. Yesterday, our new lender emailed XXXX XXXX asking for the Appraisal to be transferred to my new lender without a response. Today, Tuesday, XXXX, my new lender asked XXXX XXXXy for the Appraisal twice. Today, XXXX XXXX finally responded to our new lenders, saying the VA Home Appraiser only conducted a Partial Appraisal, and Veteran 's United was charged {$170.00}. It wasn't until today that XXXX XXXX processed a refund of {$520.00}, but she claims she processed the refund yesterday, XXXX - not what our records show. 

Further, it wasn't until I asked pointed questions about the Appraisal cancelation that XXXX XXXX admitted that she did cancel the Appraisal when I first informed her we were going with a different lender. However, that was not the case ; it was only yesterday, when our new lenders began asking for the Appraisal to be transferred did XXXX XXXX cancel the Appraisal. This evening, I sent an email to XXXX XXXX, asking for the Appraisal Report for the " Partial Work '' that had been done, also stating we should receive a full refund of {$700.00} if XXXX XXXX/Veteran 's United can not produce a Partial Appraisal Report for the " Partial Work. '' As a 100 % Total and XXXX XXXX XXXX XXXXhe behavior exhibited by XXXX XXXX, representing Veteran 's United, is grossly shameful.

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 2022-12-09
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Marcus by Goldman Sachs offers a 1 % referral bonus to customers who successfully refer a friend or family. Even after multiple instances of representatives confirming a friends account being opened as a result of my referral and my friend confirming he used the link ( techs, spoke to my friend TWICE ), Marcus by Goldman Sachs has denied me the bonus. The representatives lack customer service and an ability to solve client concerns. They state that if I would have called within 3 business days of the account being opened, that they could have manually credited my account with the referral bonus. I notified them within a week. XXXX. I asked where this was disclosed to customers and they advised that it is only disclosed in internal procedures and not to the customer. Can you say false advertising? Unacceptable! I will be closing my account and Id advise anyone who cares about the legitimacy of their bank and CUSTOMER SERVICE to find another bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: GA
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 this account various times for fraud and various inaccuracies on my report. This company has violated my rights under 15 USC Code 1681i and continue to illegally report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX  XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: GA
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 this account various times for fraud and various inaccuracies on my report. This company has violated my rights under 15 USC Code 1681i and continue to illegally report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXXXXXX XXXX XXXX IS MISTAKENLY REPORTING ME IN COLLECTIONS. PLEASE SEE AN ITEMIZATION OF ALL MY MEDICAL RECORDS FROM XXXX ATTACHED. THIS IS DIRECTLY FROM THE HOSPITAL AND ALL BILLS WERE PAID THROUGH MY INSURANCE. PLEASE DELETE THE XXXX XXXX FROM MY CREDIT. PLEASE AND THANK YOU VERY MUCH.

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 2022-08-01
Company: EQUIFAX, INC.
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:
My credit score has dropped significantly and I'm trying to reach out to the companies but it only looks like they're automated services that are available. Doesn't look like I have any debts or have any major negative marks on my report recent or in the past. I've had excellent credit for many years so I don't understand what changed in the last few weeks and I can't get anyone to explain it either. 

I'm trying to get the credit companies to tell me what exactly happened. 

I know recently I've been in a victim of identity theft so I'm curious if that's the reason why or something else. Either way something is clearly wrong and I can't get the credit reporting companies to help me. 

Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CITIBANK, N.A.
State: CA
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:
Filed a dispute with Citi for a service which was performed poorly and damage was caused during the process. Video and pictures of the issues are available but Citi 's antiquated processing system does not allow for this evidence to be provided to the dispute department or investigators. There is no way to upload any of these artifacts online. The only way I found out i can provide this information through emails, only after not receiving any correspondence in the websites " documents and statements '' section the case was closed, I found out by logging in to make a payment. The dispute department provided an email address after I voiced concerns as a customer, I don't feel like I have a fair chance to have an investigator adjudicate my case because I can't upload anything an email address was provided to only upload documents only. Due to their aged system there is no way to provide images or videos. It is like going into a court of law and telling the judge i can't provide you with all the evidence. As the customer who is not at fault, with all the documents provided through email, including an evaluation by a third party company who stated the same issues I found are not to industry standards, and images uploaded my case is still closed and I'm responsible for charges I should not be responsible for because Citi does not provide their customer a fair opportunity to provide all the evidence. You can't get a hold of the investigator, nor does the dispute front end department have the ability to do anything or even look at the images uploaded. How is this fair to the customer who is not at fault? I'm demanding Citi open the investigation and look at all the supporting documents and return my money for services not rendered.

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My credit score has dropped significantly and I'm trying to reach out to the companies but it only looks like they're automated services that are available. Doesn't look like I have any debts or have any major negative marks on my report recent or in the past. I've had excellent credit for many years so I don't understand what changed in the last few weeks and I can't get anyone to explain it either. 

I'm trying to get the credit companies to tell me what exactly happened. 

I know recently I've been in a victim of identity theft so I'm curious if that's the reason why or something else. Either way something is clearly wrong and I can't get the credit reporting companies to help me. 

Thank you so much

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 2022-08-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is in willful violation of my request to remove erroneous information off of my consumer report. 
I have submitted one mail in dispute in reference to a XXXX account reflecting on my consumer report with a {$480.00} balance. I have submitted two disputes in regards to this same account over the phone with a representative. On XXXX, I received a mail correspondence showing the account was deleted from the credit file. On XXXX I noticed the account was now reflecting as closed on my Equifax consumer report. I was notified of the removal but they did not make me aware of the status being changed and the account added back. Equifax has undermined my confidence as a consumer. They did not provide me with the necessary documentation to make me aware of the final results. Instead I was notified through an adverse action letter of the delinquent accounts listed was a deciding factor of me being denied credit. I called in reference to this matter on XXXX and the representative XXXX informed me it was never removed. It is still on my report and it was nothing he could do to resolve this matter. When asked to speak with a supervisor he told me they were all in a meeting and I would have to call back if I wanted to speak with a supervisor. That was after 23 minutes worth of a call. I hung up the call feeling helpless, mentally drained and hopeless because I was depending on that line of credit to pay my rent while facing an eviction. That one erroneous matter caused has caused me to be very XXXX  because Equifax is not respecting my privacy or previous gestures to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
ortiva Credit Card issued by The XXXX XXXX XXXX, XXXX XXXX, XXXX Has closed my account claiming it is due to payment history. They have not given me any notice and are in violation of it's own policy. I was notified today that my account was closed by them in XXXX. If you review the statements attached you will see that my account was active and last recent purchase with the card was made on XXXX. Fortiva has no valid reason to close the account, and Fortiva can provide no notice or reason sent to me ( per their policy claiming that they are closing the account for any violation ). Instead Fortiva, continues to accept payments on the credit the provided and refuse to make that amount available for me to use, claiming for some reason that my account is now closed. This bait and switch should not be allowed and is deceptive. This account has been open since XXXX of XXXX. A missed payment does not justify closure of a account. Nor is it part of its own customer agreement to do so. Fortiva has clearly charged a late fee for that missed payment and was paid that late payment and account was in good standing and a purchase was made this month, there is no valid reason Fortiva can provide to close this account. ( see the statements attached ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Im seeking loan forgiveness since Navient has already forgiven XXXX XXXX dollars. But I was excluded because I reside in Texas and my attorney general didnt take up lawsuit against navient like 35 other states did.. Aside from living in Texas that makes me ineligible for forgiveness, I do however meet criterias for loan forgiveness in many other ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Received letter today with case number from Bank of America came with out contact number. Bank of America canceled the sale XX/XX/2023 said they had opened fraud case of the forged FHA mortgage they are using to take our house. Instead this reappeared on the foreclosure county callender. 
Tried calling their XXXX attorney he doesn't answer phone. So I am attaching the settlement agreement I offered them.

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 2020-02-24
Company: Experian Information Solutions Inc.
State: AR
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:
I decided to get my credit pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identify theft. When I received my report I was caught by surprise with a couple of things I have never heard of. The things on this application do not belong to me. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Massachusetts Educational Financing Authority
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my private student loan with MEFA. Previously the loan was serviced by XXXX XXXX. The new MEFA loan is services by XXXX  XXXX. It took longer than anticipated for MEFA to satisfy the previous balance, therefore I made an additional payment of {$540.00} with the prior servicer ( XXXX XXXX  ). The loan was paid by MEFA around the end of XXXX. I called MEFA and asked when the first payment would be due, I was incorrectly told XX/XX/XXXX, the month after the payment. I was also told to contact the new servicer XXXX  with any additional questions.I then called XXXX to confirm where the excess would be sent. XXXX XXXXXXXX stated that it goes to whoever made the last payment, which in this case would be MEFA. 
In early XXXX I contacted XXXX  but they did not have my loan on file yet. I was able to set up an online account with them on XX/XX/22. This is when I found out the first payment was due XX/XX/22. I contacted XXXX  via phone to find out why the payment was earlier than anticipated, and what the disposition of the extra {$540.00} payment would be. The XXXX  representative stated it was due XX/XX/22 because the payoff was mad in XXXX. The representative also stated that the {$540.00} would be applied to the current bill, and any excess would go towards the principle. About a week later I called XXXX  again because I was concerned with the overpayment check arriving before XX/XX/22. The second XXXX  rep told me, via phone, that when the check is received it would be applied as stated above, but if I was concerned with it arriving late I can just make an additional payment. I stated that I did not want to pay twice, to which the rep-stated, any extra payment would just go to principal. 
Today I reviewed my XXXX  account and it is listing the {$540.00} was applied to principle only and not to the XXXX amount due of {$520.00}. It also stated that my account is now 11 days past due. I then live chatted with a rep who stated, for the first time, that lender payments can only be applied to principal. This is not listed anywhere on the website or in the MEFA loan agreement. Then the rep tried to say since the payment was made to the previous servicer before the loan was dispersed, it has to be applied to the principal. Which is also not stated anywhere on XXXX XXXX website or the loan documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collection company has called me 7 times today and left me 4 voicemails. I dont even know what this debt is for. They call at all hours of the day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation