BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: GOLDMAN SACHS BANK USA
State: PA
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 used my apple card by Goldman Sachs to purchase an XXXX XXXX XXXX  from apple with XXXX interest financing. I elected to trade in my old phone at that time. When my phone arrived I was given a box and shipping label to ship back my old phone for trade in, which I did. My trade in allowance of {$640.00} was credited to my account on XX/XX/19 but instead of being applied to my no interest installment account for the new XXXX it was accidentally applied through no fault of my own as a payment to my account. This made my account have a positive balance of + {$640.00}, even though I have an installment balance of - {$1100.00} for the new iphone. The apple card specialists have informed me that there is NO way for me to apply my positive balance to my negative installment balance, they can not write me a check or give me any sort of refund for my positive balance, and there is no way for me to pay off my installment balance whatsoever. The only thing I can do is wait for my monthly installment payments to slowly drain away the positive credit on my account, month to month. I can not pay off my phone early, there is no way for me to make an additional payment to apply to my installment. Because of a mistake on their end they are trying to force me to either use up my credit balance with purchases which I never intended that money to be used for, or to wait for months or years for that money to be slowly drained by monthly automated installment payments. This would in effect mean that they are holding my money, interest free and forcing me to carry a balance that I dont need, havent agreed to, and could easily be paid down if they simply applied the money that is already in my account to the installment balance which is also on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
FREEDOM MORTGAGE STAY AWAY FROM THEM. 



If you are a veteran or someone who is using freedom mortgage, please stay away from that company, especially when you are trying to refinance with a different company. They lied to this company so that way I couldn't be able to refinance with them. Here 's my story and how they try to XXXX me over. 

In XXXX of 2021, I received and signed a modification agreement letter from Freedom Mortgage. My three trial payments for this agreement began in XXXX of 2021, and I have made every payment on time since then, except for XX/XX/2021. Freedom Mortgage claims that I have been delinquent on my payments since XX/XX/2021. This statement is false, and I have all bank statements to show I made those payments during that time frame. 

my ex-wife and I signed and notarized all required loan modification documents on XX/XX/2021, and sent them back to Freedom Mortgage. In XXXX of 2021, after I had completed all requirements for the loan modification, I received a letter from Freedom Mortgage stating that I was no longer eligible. I got XXXX XXXX, VA Loan Technician, involved at this time, who also had to get her supervisors involved to handle this situation. I was told not to make my XXXX payment until Freedom Mortgage honored their original loan modification agreement. Freedom Mortgage took two months to process the loan modification.

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 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/2021 I paid XXXX XXXX the full amount of my delinquent credit card debt in the amount of {$440.00}. TransUnion refuses to update my account status. I have disputed this information and they continue to erroneously report false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a dispute on XX/XX/2022. I never receive my results in the mail for the dispute. I called and ask for the results multiple times but the result still haven't been mail to me. Pursuant to 15 USC 1681i ( 6 ) ( A ) the consumer reporting agency is suppose to send written results no later than 5 business days after the reinvestigation. The confirmation number for this dispute is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent TRANSUNION, XXXX, and XXXX letters via certified mail XX/XX/2022 demanding for them to remove these inaccurate accounts from my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX and to also correct my personal identifying information on my consumer report. I am demanding that each agency be in accordance with the law 15 usc 1681 ( a ) ( 2 ). I never gave these agencies my written consent to furnish these negative accounts to my consumer report and I, the consumer also have rights to my privacy. This has caused damages in my life with getting denied a home loan and causing decreases in credit limits.

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 2022-09-19
Company: Pacific Retrieval LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello just to let you know all this is a misunderstanding all this is not my debt I have a car XXXX under my name and I sold it ( I summited all paperwork on XXXX XXXX and I signed my bill of sale ( I done everything on my end ) but seems like for some reason this car was under my name still? 
I called many time but they keep asking me for the owners paperwork but since I sold the car already I did not have it also the car was sold by the XXXX and did " not received anything? 
and now I owe XXXX? 
this is not fair and I don't have the money to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: CBK, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was garnished by a collection agency in XXXX of XXXX. Upon further investigation by me I found out that this debt was lumped together so that the Court would not know that the outstanding debts were filed XXXX years previously under case no XXXX and that the debts were " Statute Barred '' under the Limitations Act of 1980. Some debts were from XXXX and had been dismissed. On XXXX, XXXX XXXX XXXX ruled that case would be dismissed for lack of prosecution on XX/XX/XXXX and that the case not be reinstated. I filed Kansas Open Records Request with XXXX XXXX XXXX and they had a very hard time explaining to me how the records and fines did not correlate with the records tha CBK filed with the Courts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
My credit report shows a hard inquiry from Bank of America on XX/XX/2022. 
I did not authorize this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  account XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  account # 's XXXX, XXXX, XXXX XXXXXXXX XXXX account XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX account # 's XXXX, XXXX, XXXX, XXXX, XXXX XXXX  account # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  XXXX ACCOUNT #, XXXX XXXX XXXX XXXX ACCOUNT #, XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXXXXXX ACCOUNT # 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 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 non-monetary relief
Consumer complaint received 2022-06-06
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:
The dates on late payments and balances are not accurate and collection status should not be on my credit report. 


NXXXX XXXX XXXX XXXX : {$1200.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX BALANCE : {$610.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1200.00} STATUS : DEROGATORY ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) BALANCE : {$830.00} STATUS : DEROGATORY ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX BALANCE XXXX {$2000.00} STATUS : DEROGATORY ACCOUNT # 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 non-monetary relief
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX & XXXX XXXX Original creditor XXXX  XXXX XXXX XXXX Balance {$510.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  T Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2021-01-16
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a higher estimate for taxes than was listed on our tax bill, bringing about an increase of {$600.00} per month in our monthly payments. This was pointed out with documentation and we simply asked on XX/XX/XXXX for someone to review and confirm the correct amount. We have sent several follow up emails since, and when we call loan servicing they put you on hold for a few minutes before asking you to leave a voicemail. No one has returned our calls after at least 3 messages, and we recently got a call only following up on XXXX payment on XX/XX/XXXX ( which we ended up paying at the higher amount on XX/XX/XXXX after waiting to hear back about the tax issue ). On the call on XX/XX/XXXX we mentioned the tax issue, but were told it was still being reviewed and they would mark it as urgent, but no one got back to us still. We are beyond frustrated that it has been almost 2 months without feedback on our issue, and we can't afford the higher amount longterm.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was informed by Wells Fargo Bank that, because I no longer had a permanent residential address in the XXXX that I was required to close my accounts and direct the funds to be transferred to another bank. I followed the instructions provided by the bank explicitly. This included completing the Bank 's account closure form, having the form notarized by a local attorney, getting the notarization authenticated by an office of the XXXX government and submitting the documents to the address provided by the bank. I have a written report from XXXX XXXX that the package was delivered to that address on XXXX  XX/XX/XXXX. To date, nothing has happened, except that the account has been closed. Although I have made numerous attempts to reconcile this with the bank by telephone, my calls have either been unanswered or answered by individuals who were unable to assist in any way other than to transfer the call. The Bank has designed an impenetrable system to frustrate communication and avoid responsibility. Although I did manage to contact the bank by leaving a voicemail message and received a response by email, it was only to claim that they did not receive the account closure documentation and to direct me to call one of the numbers that they do not answer.

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 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-02-16
Company: CHECK INTO CASH INC.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I inquired online to see if I qualified for a loan with their company using my car title as collateral, which I did but decided I didn't want risk my car so I never picked up the check to cash it. Now they are calling threatening to do all sorts or unsavory things to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-18
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My original servicing loan provider sold off my loans to Aidvantage this past summer in XXXX. I have not been able to resolve outstanding problems that I was experiencing with my original service provider before my loans were sold to Aidvantage. Since Aidvantage has become my service provider, they are unable to help with my former issues and they have not provided resolution to my concerns about payments. At this time Aidvantage has not provided me the transparency and payment detail of how my monthly payments are being applied, how interest is being calculated, and how additional payments that I am making are being handled ( i.e. is this applied to principal before next monthly calculations )? To not have transparency or understanding the math behind their payment calculation is raising concerns with being overcharged with interest and not getting the benefits of paying down principle with additional payments. I have made multiple inquiries in the past couple of months and no one has provided me a response. I do not want to not pay my monthly payments and further incur higher interests, but I am a captive to their lack of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After over 5 direct deposit transactions into my account, Wells Fargo is allowing all my day to day transactions, and the next day they are posting that I has a negative balance, for 4 days in a row. My deposits are more than my debits daily but my money is disappearing.

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 2022-09-19
Company: U.S. BANCORP
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: Problem with customer service

Complaint:
Elian Financial Service Refused to send me credit card statements that I requested, I have contacted them for XXXX more n=months, each time I spent 5+ hours, My Elan Fianncial Service credit card associated with XXXX I opened XXXX XX/XX/XXXX and closed on XX/XX/XXXX, I requested Elan Financial Service XXXXo send me teh XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my activity statements, I called Elan Financial Service multiple times , their customer service sometimes can not find the card ending on XXXX, then they asked to change mu card, they said that it was opened in XXXX, and you changed the last 4 digits, there were no activates in XXXX, so they refused to send to me anything. Some find the card, then thye said that It was out in Archive, so the dept does nto aloow Archive statement to send out to credit owner, some found it and made the request, I still received nothing until today, and some asked my fax, offered to fax to me, after gave out the fax number, I still does not receive anything!

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