BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is the third CFPB complaint I have had to file against Marcus by Goldman Sachs. You keep closing the CFPB complaint but never resolve the issue. 

We have gone ahead and filed all information that you have requested. 
You have transferred our funds to XXXX XXXX. 
I have had to call multiple times. And finally was given the following account number to use to sign up for XXXX XXXX account XXXX. 

This account number is not valid. 

Marcus by Goldman Sachs is financially damaging the Estate by not allowing us access to our funds. 

We will keep opening complaints until this issue is resolved. Just because you say " it's resolved '' does not mean it actually is. Stop wasting the CFPB 's time and the Estate 's time. 

We have also requested that a date of death valuation be given to us, this has not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
We are currently on a very high loan for a XXXX XXXX XXXX. We have been behind on the car payments and are currently waiting for my husband 's pay for a job, the job is on a construction loan and taking longer due to the owners needing to request a bank draw. Before this my husband had an accident and was in the hospital after having XXXX on his hands as a concrete finisher he was not able to work and it set us back. I knew our car loan was in default but did not think that it was in actual repo status yet. We had been in the past and received a letter via the mail telling us the date we had to get the account caught up by. We have not received this mailing, I have received text messages that read " your account is severely past due, we may have options for you to avoid repo '' XX/XX/XXXX. " Your account has been assigned for Repo, call us to make payment options and possibly avoid repo '' XX/XX/XXXX. Based on it being " assigned '' I believed it was being transferred to be in repo status, but I still had time to avoid it if I could get a payment within the day. Knowing my husband would be paid soon. The Repo man showed up today while I was home. I was caught off guard and knew I had read in Wisconsin there was a " breaching the peace law '' I asked him about that and he said no, he could take it even if I declined. But I could call the bank while he was there. I called capital one and the customer service agent said I had to let them take it and then call back in XXXX hour. He also told us we would be able to get the car back and it was just going to a holding area and there wouldn't be any extra fees. During this time my husband had looked on his phone and saw that this was a law and that he could request for them to leave. The tow guy then changed what he was saying and said " Well yes you can but then your loan will be canceled for your car ''. Then told my husband he had to look in his body camera and say I orally declined this repo '' I do not have the name of the tow company. Capital, one does I imagine, and all of this is on his body camera, he told my husband and I it was on when we first started talking to him. After my husband declined the repo, I called Capital One and was told they could set up a payment plan. I have contacted an attorney and have a scheduled consult for later today. However, from what I understand, I should have received notice via mail of the repo and that the Repo man and Capital One can not threaten financial consequences on be due to me asking for them to not breach the peace during the repo, and him lying about the law not being valid could be considered that alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted XXXX  to handle a situation that occurred XXXX of XXXX  when a payment to XXXX  was returned and it was reported as a missed payment. I took care of it right away where XXXX  received their funds and everything was cool, they reported it as an on time payment. after I told XXXX and Transunion they removed the missed payment and reported it as an on time payment. a few days later i checked my credit report and XXXX and Transunion changed the status again as missed payment I contacted XXXX  again to double check the status of my payment when they had told me that it was 100 % paid on time. I then called XXXX and Transunion to let them know the status and they told me they would handle it but never did. 
i checked my credit report and noticed some inaccurate dates reporting from both XXXX and Transunion I highlighted 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 non-monetary relief
Consumer complaint received 2023-07-28
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-19
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: Personal information incorrect

Complaint:
I have contacted the credit bureaus on multiple occasion to have my name correct on my report they keep reporting aliases. I also have one adress and thats the only one I want to be on 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 non-monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities.

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 2023-08-05
Company: Experian Information Solutions Inc.
State: IN
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:
XX/XX/XXXX - Placed order XX/XX/XXXX with XXXX XXXX XXXX using XXXX at check out. 
Purchase Total XXXX XX/XX/XXXX - Received Product the week of XX/XX/XXXX Product was not as described Called XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX to request a refund and return the product I was given permission via phone to return the product and receive a refund Informed XXXX  online that product was being reurned XX/XX/XXXX - XXXX XXXX XXXX  received product and accepted XXXX via XXXX. 
Proof of delivery attached XX/XX/XXXX and ongoing : Harrassed from XXXX for payment for a product that I have returned. XXXX placed account into collections. Informed XXXX  and credit bureaus that item has been returned. Shown proof of return product with XXXX Have made attempts with all parties to rectify the problem. Despite showing proof of refund all companies continue to fraudently state that money is still owed and continue to slander my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
My mortgage loan was sold to a new company last month. The new company has changed my mortgage loan pymt amount. My loan was a fixed rate loan, no escrows etc. I've provided them my loan docs and receipts for payment of insurance and taxes on 3 separate occasions. I've been unable to make my mortgage payment as it is significantly higher than it should be. If you try to call their XXXX its fake, you can not reach a live person and it sends you back to the main queue. I've communicated with the company via email messages and I do not think its a live person as I continue to receive responses that do not apply to my issue. I've never had a late payment and now my payment which was due on XXXX is 17 days late. They will not allow me to make my correct ( per loan docs ) payment. I also called the previous mortgage company and they will not help me and says the issue is with the new company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Flagstar Bank, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint relates to the mishandling of escrow account funds. 

Since the loan origination in XXXX the escrow account was not setup correctly. In the closing documents it clearly states insurance funds are not to be included. My account payment was setup for auto payment and the oversight of being charged the insurance funds wasn't recognized until XXXX of XXXX. Since that time I have made nearly 100 calls to have this matter resolved transferred from the departments of escrow, insurance and general information. 
For almost a year I have been speaking to XXXX, a Manager/Supervisor almost weekly to try and resolve this matter. All of the said documents and calls are documented on their system. XXXX has been nothing but patient and helpful in resolving this matter but it is on the back end of their company that is not doing the work to correct this matter. Most recently after a so called review of my account they refunded me {$50.00} for escrow but failed to correct the initial error of charging me for insurance and failing to refund me the {$780.00} they paid for insurance that they should not have done.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting 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:
I want the company to remove the fraudulent inquiries in 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 non-monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As a borrower of student loans to finance my education, I entrusted XXXX to manage my consolidated accounts to streamline the repayment process. Unfortunately, they have not done a great job at accurately reporting information to the credit bureaus. On XX/XX/XXXX, I received notification XXXX that " XXXX/DEPT OF ED has flagged your account as Not Paying Off Your Balance and Can not be Located ''. XXXXXXXX XXXX error resulted in a staggering decrease of XXXX points. For starters, none of my contact information has changed since I consolidated my loans back in XX/XX/XXXX. Another thing, is that my account isn't due for repayment until XX/XX/XXXX, per the loan agreement, so how can they flag my account as not paying off balance when I haven't even entered the repayment period? Let alone them being unable to locate me, when I have prooof of correspondence in the form of emails/phone calls/mail from them prior to the inaccurate reportings...? 

I reached out to XXXX that same day ( XX/XX/XXXXXXXX  ) and was on hold for more than 2 hours-switching between representatives-until finally the call disconnected and I was unable to get back through as it was after hours at by that point. So the following business day ( Mon XX/XX/XXXX ), after more than XXXX I was able to speak with a supervisor who assured me she would take care of the issue. Now it's been 45 days and the issue has yet to be corrected. I need assistance ASAP, because apparently XXXX is quick to causes damage, yet slow to repair it...

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: 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: Information belongs to someone else

Complaint:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: MoneyLion Inc.
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/2022 I received instacash in the amount of {$100.00} in my roar money account. I then attempted to utilize money lion 's turbo transfer option to send those funds to my debit card which had been previously connected to my account. I initially received an error message, but attempted the transfer a second time and got confirmation via the app that it was successful. The funds were debited from my roar money account and the transfer is supposed to take place within minutes. It has not. The funds were never credited to my other debit card account, they are not in my roar money account and Money Lion still shows me as owing them the money even though I never had use of the funds. I tried seeking resolution that same day via support chat and over the phone but to no avail. I have yet to be contacted with any updated status and the funds have yet to show up anywhere. I never had use of the funds and therefore, do not owe this money. I either need to receive the funds or have the instacash loan written off as a result of their failure to send the funds properly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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. This list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXXXXXX XXXX XXXX  Account Number # #, has violated my rights. 

15 u.s.c 1681 section 602 states I have a right to privacy.

15 u.s.c 1681 section 604 A section 2 its also says consumer reporting agencies can not furnish account without my written consent.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2022-08-22
Company: ALLY FINANCIAL INC.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Two unauthorized charges were posted today, XX/XX/2022 on my bank account -- one for {$5.00} and one for {$100.00}. I was first notified of the charges on Saturday, XX/XX/202. Ally texted my alternative phone number first before notifying me and then proceeding to notify me through my email and my primary phone that a fraudulent/suspicious charge was on my account. They were incorrect in the text messages saying that {$100.00} was charged, and it was actually {$100.00}. The text message notifying me also was vague and unclear as it stated " Reply YES or NO to authorize '' implying that if you texted yes or no, it would authorize the transactions. I replied with " No '' in the sense, that I did not want to authorize any transactions. Immediately after I sent that, another message sent stating that I'd receive a call from a fraud specialist. I received a call on Sunday, XX/XX/2022, however I never got in touch with a real person and was put on hold. After about 10 minutes, the automated call stated that there were no specialists available and hung up. 

I filed disputes and have not heard back. I am disappointed with the bank since I have been a customer of 8 years. Their dispute questions also seemed like leading questions to frame that maybe it was someone I knew or a company that I had paid before from my bank which is not true.

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 2022-04-24
Company: Medical Data Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted Medical Data System Inc XX/XX/2022. I advised them they have violated my HIPPA rights by disclosing my medical records to a third, they have neglected to respond and have continued to submit this negative information on my credit profile. I have not signed any documents given Medical Data System Inc the right to share my medical information. 

15 U.S. CODE SS 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

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 2022-08-22
Company: Experian Information Solutions Inc.
State: LA
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 been filing disputes for the past year with the following company Experian and I personally feel as if they are not reinvestigating the following account properly XXXX XXXX after I stated multiple times that the following account was charged off as of XX/XX/2020, since then the account has repeatedly been updated as charged off every month is an update in the payment history which to my understand charged off accounts should NOT include an active payment history, need I remind you this also falsely manipulates the statute of limitations, I am demanding a deletion of the following account 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