BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: GOLDMAN SACHS BANK USA
State: MA
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:
On XX/XX/XXXX I accidentally paid my Apple Card twice. The scheduled payment feature is unclear. It appeared like I was editing a scheduled payment, when in actuality I was making an additional payment. There was not warning pop-up saying, " are you sure you want to make XXXX payments on XX/XX/XXXX? '' or something similar. 

On XX/XX/XXXX I noticed that my bank account was now overdrawn which drew my attention to the scheduled payment error. I immediately contacted Apple Card Services over the phone and was told they could not issue me a refund on their end and to call my bank. I knew this was not going to resolve the issue but I called XXXX anyway. They said that it was on the vendor ( Apple Card ) to return the funds upon my request. I know it is possible for creditors to return funds to clients because something similar happened to me with XXXX XXXX  and they returned my money into my account the next business day. I then contacted Apple Card via the text feature the same day. This costumer service representative XXXX XXXX XXXX finally created a refund request for me saying it would take 3-10 business days. 

On XX/XX/XXXX I reached out again to get an update since I was not sent a confirmation email that a refund request was sent, so I had no evidence to confirm whether an actual refund request was made. I asked if this rep had any idea how long it would take to get refunded. This customer service representative ( Danielle ) told me that she saw a date of XX/XX/XXXX. 

On XX/XX/XXXX I checked my bank account and the previously confirmed refund was not in my account. I reached out again via text. Was transferred three times to different representatives after telling each of them that I was told I should have my refund by today, XX/XX/XXXX. I was ultimately informed that it would take up to 14 calendar days from the date of issuing the request, ( which I know is 10 business days. ) I asked if this was the company policy to take such a substantial amount of time to resolve costumer issues, this is not a small company, it is Goldman Sachs. To which I was told, " We are a pretty new card and differ from most card companies tremendously. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: Aldous & Associates, PLLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
During the summer months of 2020, my identity was stolen and my personal information was compromised online and in the local area when someone attempted to move into an apartment complex using my credit and social, which is why there is an extended fraud alert on all my accounts, that and mainly because of the time this same thing occured only it was at XXXX XXXX to purchase cellular devices and not pay on them using my identity and just recently online when my other roommate went to create accounts and order things under my name and even two new credit cards which is another thing. XXXX XXXX XXXX XXXX  isn't rightfully mines as I currently do not and never had possession of any of the items listed under the purchase but was instead picked up by an old coworker and stolen by his sister, and was essentially coerced into this contract I initially did not approve of or realize this would be the results, there is an active police investigation going on due to these discrepancies, I hope this is resolved expeditiously and with careful consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit 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 2023-01-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX  XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I requested a VALIDATION OF DEBT and proof of wet ink signature on contract and was never provided the requested documents from Debt Collector. The Alleged Original Debt is in the amount of {$2400.00} but Debt Collector is reporting to : XXXX AND XXXX that amount of alleged debt is {$2400.00} which is a violation of FAIR DEBT COLLECTION PRACTICES ACT SECTIONS 807 " FALSE AND MISLEADING REPRESENTATIONS '', 808 " UNFAIR PRACTICES ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Lloyd & McDaniel, PLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Debt collectors showed up to my work place harrasing them and telling them that I owed money and showed them the exact amount of money that I owed which is illegal. They also told my boss that they were obliged to take money from my check to pay them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/2023 When calling the Experian customer service, my credit report is not available to me online and the password reset option does not save the last password I've entered. I was asked for my social security number and they used it to apply for a car loan. The credit reporting service did not assist me in logging in properly, there is no acess online for disputing the added information to my credit report and they have added collections which interfere with my housing. It is causing a trafficking situation.

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 2023-01-18
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-10-13
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This is the entire email exchange : XX/XX/2023 Dear XXXX, Thank you for your recent application for credit services from CashNetUSA and a loan from XXXX XXXX XXXX XXXXXXXX You applied through one of our marketing partners who referred your application to us. Your request was carefully considered, and we regret that we are unable to approve your request. 

Reasons for Denial of Credit Your recent application with CashNetUSA was not able to be processed due to the following reason ( XXXX ) : Applicant is ineligible to apply due to previous applications/ loans with CashNetUSA If you have any questions regarding this letter, you should contact CashNetUSA, or XXXX XXXX, care of CashNetUSA, at : CashNetUSA Customer Support XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX www.CashNetUSA.com My response : I never applied for anything with you or cashnetusa. I will be reporting this fraud to the FBI fraud division. 




Thank you for your most gracious attention in this matter, XXXX Kat Their reply : Dear XXXX, Thank you for contacting CashNetUSA to report a claim of identity theft/fraud. Please be advised that before we can process your claim, you must file a police report with your local authority. Please ask your local authority to include the XXXX  XXXX XXXX XXXX. bank account information that is listed on the application in the summary of the police report. If you do not have the bank account information please contact our Identity Theft Department at ( XXXX ) XXXX. 

Please note that if we do not receive a police report within the next XXXXeven ( 7 ) days, normal collections activity may begin on your account if a loan has been issued. 

Please fax a copy of the police report to ( XXXX ) XXXX, Attention : Identity Theft Department or email us at XXXX. Once we have verified the report, we will process your claim within XXXX ( XXXX ) business days. 

If you have any questions or concerns, our fraud team is available XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX to help answer all your questions via phone or email. 

CashNetUSA Identity Theft Department Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX www.CashNetUSA.com Address : CashNetUSA XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed the unverifiable Public Record being reported on my credit report in XX/XX/2023. The dispute results came back " verified/belongs to you. '' I contacted the Court of Record and the third-party used to verify public data. The Court Record stated they do not provide or validate any information. The third-party, XXXX, stated that the information was unverifiable and removed deleted the information. 

I then sent another dispute on XX/XX/2023 and included the letters I received from both places. I looked online and saw that the investigation was closed on XX/XX/2023, with no results displayed. On XX/XX/2023 I called to receive the dispute results and was told by an Equifax representative that the dispute results were that the information was verified by the Court. I asked how that was possible and I was told that I would be sent a letter. I asked for this to be escalated and was told that was not possible because the information was verified. 

The first time I disputed the inaccurate information I was told that Equifax verifies the information through XXXX. When I provided proof that XXXX had removed the information because it was unverifiable, Equifax then claims they got the information from the Court. 

This is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
I will be submitting, the Letter I received in the mail today, on the Letter i highlighted all violations codes. 
15 USC 1692 ( B ) ( 2 ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( K ) 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 2023-09-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 

Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 ) 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 2023-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Capital One closed my account on XX/XX/ in adverse action during a Billing Error dispute which is prohibited pursuant to 12 CFR 1026.13 ( d ) ( 3 ). In their agreement it's stated in the event of dispute, claim, or controversy between you and us arising out of or relating to this Account, or the relationships resulting from this Account or any other dispute between you and us ( Claim ), either you or we may choose to resolve the Claim by binding arbitration. shall arise between me and Capital One, if it is not resolved we agreed to proceed to arbitration.

I filed a demand for arbitration and a email was sent from the XXXX XXXX XXXX on XX/XX/ with the Case Number : XXXX. Capital One did not pay their business filing fees on XX/XX/. XXXX gave them another opportunity to pay their filing fees for the second deadline of XX/XX/XXXX 
Capital One once again failed to pay their filing fees and the case was closed. Not only did they fail Regulation Z requirements, and Violate much of the Truth in Lending Billing Error laws, they also violated their own agreement. 

Capital One continued in deceptive tactics with lawless behavior. I can't believe the amount of Dishonor, Negligence, and Malice with evil intent to damage me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: The Leviton Law Firm, Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A rep from Leviton Law has called my office twice now. The first time he SAID he was from XXXX and gave me a case #, but I XXXX the number he called from and it came back Leviton Law Firm. He was not aggressive. It has been over 60 days since that call. 
Today a woman called from XXXX and said 1- we were on a recorded line and 2- that she was from Leviton Law and we have a " past due '' balance of over {$600.00} with XXXX ( I asked our accountant last time, we've NEVER used XXXX ) she gave me a case # ( different than the first case #, that one was 5 digits this one was 8 ) and asked to speak to the company attorney. I said surely you don't think an office with 5 people has an attorney here, have you sent us a letter ; she blew me off and said if we don't correct our debt we COULD BE SHUT DOWN. I asked her for a call back number and she gave a different number than what she called from : XXXX. That is not the number listed for Leviton Law. I would like a registered letter proving we have a debt vs. a phone bully lying about case numbers. Leviton Law has NUMEROUS complaints about collecting non-existent debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: FL
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-03-03
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Closed my account on XX/XX/2023 and got a check for XXXX dollars with Firist Citizens Bank got a paper in the mail from the Bank said XXXX in amount and XXXX over draft and XXXX over draft fees, on XX/XX/XXXX  dollar owe they say and on XXXX  2023, XXXX dollars they say I owe after a closing statement of XXXX owe on over drafts and over draft fees on XX/XX/2023 can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, a merchant charged me {$260.00} and on XX/XX/XXXX, the merchant refunded {$230.00} from the initial transaction. However, Capital One, credit card issuer requires me to make payment of the full amount {$260.00} ( including {$230.00} that was refunded by the merchant ) before XX/XX/XXXX to avoid interest to be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: NY
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:
The three reporting agencies : XXXX, Equifax XXXX XXXX was contacted, by the creditor, XXXX to delete my hard inquiry. This was done On XXXX XXXX, 2023 to all repositories to have the hard inquiry removed. The process requires letters to be sent via USPS to the addresses provided by the repositories which are po box es. The creditor acted in good faith to remove the hard inquiry, as it was an erroneous authorization.

I have followed up with each of the Reporting Agencies that were given the letters to get a status. I am unable to get a follow up. The customer service agents are not providing direction, instead I am getting the same dispute letter. No action taken. I am asking CFPB to notify the agencies to follow up the request provide by the creditor.

Company response to consumer: Closed with explanation