BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Describe what happened, and well send your comments to the companies involved. 

In XXXX and XXXX, I experienced issues with my Apple Card not registering payments correctly, leading to accrued interest and a warning of a past payment due. In XXXX, I was informed that I needed to pay a certain amount of money to avoid paying interest. I paid the required amount, but at the end of the month, my card still accrued interest. In XXXX, my Apple Card requested that I pay {$16.00} by XX/XX/XXXX to avoid a past payment due. Despite having paid over {$2000.00} to pay down the card and paying the requested {$16.00} multiple times, the warning persists. I am concerned that this issue will lead to a negative mark on my credit report, even though I have made the necessary payments. 

Include dates, amounts, and actions that were taken by you or the company. 

XXXX : Paid the required amount to avoid interest ; interest was still accrued on the card. 
XXXX : Apple Card requested a payment of {$16.00} by XX/XX/XXXX to avoid a past payment due. 
XXXX : Paid over {$2000.00} to pay down the card balance. 
XXXX : Paid the requested {$16.00} multiple times, but the warning remains. 

I have also attached a screenshot as evidence, which clearly shows the warning on my account, despite making multiple payments over the required amount to prevent a past due mark on my credit. This visual documentation should help substantiate my concerns and further demonstrate the issue with my Apple Card account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom it may concern I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT! Transunion, XXXX, and XXXX are in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.I did not GIVE ANY WRITTEN instructions to FURNISH a late payment from XXXX on my CONSUMER REPORT! The late payment came from a fraudulent purchase that was made while I was incarcerated and eventually incurred a late payment. Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. Which is an XXXX ( me ), and the person making the REPORT which is Transunion, XXXX, and XXXX. So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;.

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 2022-10-23
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following medical collection accounts are being listed on my credit report twice ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and need to be deleted as they were opened by someone who used my identity. XXXX and XXXX XXXX also have two closed credit card accounts that were opened under my name that need to be deleted as they were not opened by me. XXXX XXXX XXXX also needs to be deleted I previously sent you all ( EQUIFAX ) documents showing were that account was closed and dismissed in court. Please delete the account as I am no longer legally responsible for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I want to Lowes store XXXX because Ive been trying to purchase something, somethings rather And I was so disturbed at the customer service. I receive first I was greeted by XXXX XXXX who said ohh she cant help she went and got someone who seem agitated and her position was oh corporate put a note on the account no online orders only in store and I need to verify. I asked her what would need to be verified and I am in store now, so how do we get past this impasse she say oh I dont know and turned and walked off I waited another 25 minutes for them to find a manager who came up his name was XXXX and I just happened to stop him because he was walking by me as if I didnt exist. he didnt states nobody told him nothing. Im not his problem, you know XXXX people do fraud. I could not believe it. He then turned and walked off on me. I stated to them I am in the store I am I have my ID what else do we need to verify and they refuse to assist me

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 2023-02-14
Company: Experian Information Solutions 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 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 an account without my written instructions.

15 U.S.C. 166b a creditor may not treat a payment on a credit card account under and consumer credit plan as late for any reason.

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 2023-06-12
Company: Westlake Services, LLC
State: CA
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 was contacted regarding a charged-off car loan by a Westlake Financial representative XXXX XX/XX/XXXX, and let them know that I never opened up this account, I never lived in Texas, and I am not responsible for this loan/debt. They would not work with me and did nothing to solve the problem, but this account is shown as charged off on my credit report, even though I had just heard about this account on the day they called ( XX/XX/2023 ). I want this off my report as it's impacting my report heavily and negatively.

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 2023-06-12
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: W&A Intermediate Co., LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received stitches in XX/XX/XXXX for which I eventually received two separate billing statements. The first was reported through my medical insurance ( XXXX ) and I was able and did pay it in full. The second ( from XXXX XXXX ) was received later ( again through XXXX ) and did not have any way to pay. I never received any bill that gave me a way to pay. I tried calling numbers listed on the documentation that went nowhere. 

Recently ( XX/XX/XXXX ) I found out through XXXX that I had an account in collection ( with Wakefield and Associates ). I received no other notice that this was pending, and again, had never had any opportunity to pay. I contacted the collections agency and paid the debt immediately ( XX/XX/XXXX ). 

This never should have gone to my credit report, and XXXX XXXX needs to change its unethical practices. I also understand that the collection agency needs to notify me before the credit agency- this notification never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Me and my partner open the joint account at truest bank. Try to open a savings account on their website and it popped up as potential fraud. Because I did not fund it with {$50.00} at that moment the next day they closed. Our account and our deposits were being sent to her and they bounced back to the bank 's they were coming from like social security or a payday. Going to the account so the camp was closed and it did not accept me so that missed up our income up also on the invoice that they sent us. XXXX of the deposits wasn't even on it and it's the only invoice. That would appear because there's only XXXX weeks that it was open. I called I went up there XXXX or 4 times they wouldn't give me money for XXXX weeks. I called the file department I called what the problem department. Told me to call and I think it could tell me was that there could have been something on a reporting app. They use are that someone made a frozen transaction are a red flag transaction that they closed the account and causes a lot of problems. They didn't even put on the invoice. A {$700.00} deposit and we did not spend any of that like it was deposited and 3 days later. They closed the camp so that's my problem with truest bank, in XXXX XXXX nc XXXX. Triist # XXXX. On the invoice that takes semester of the statement I said. Deposits was {$710.00} so it's missing a {$600.00} deposit. It closed out of exactly XXXX 's and that's was the next before they. Ever? Even give me a XXXX. And {$18.00} when I deposited over a {$1000.00}? In XXXX weeks time I have the XXXX only statement. I'm gon na take a picture and send it as a file.

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 2023-09-08
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I received an escrow analysis statement from Fay Servicing LLC dated XX/XX/XXXX2023. There was a shortage of the account and I was given a choice of paying the shortage of {$250.00} or the new monthly payment of {$800.00} starting XX/XX/XXXX2023. 
On XX/XX/XXXX, I paid the new payment of XXXX for XXXX. My payment was misapplied to the escrow shortage of {$250.00} and the remaining {$540.00} was applied to the Unapplied payment account. 

I called on XX/XX/XXXX23 to say my payment was misapplied and asked for it to be corrected. On XX/XX/XXXX 2023, a late fee of {$27.00} was applied to my account. On XXXX XXXX, 2023, my XXXX payment was credited of {$800.00}. On XX/XX/XXXX 2023, they reversed the shortage payment of {$250.00}. 
on XXXX XXXX2023 they credited a mortgage payment of {$780.00} ( the new payment that was on the escrow analysis if you paid the shortage. ). On XX/XX/XXXX, they applied an additional mortgage payment of {$780.00}. 
I have called continually since XX/XX/XXXX2023 trying to get them to reverse all activity back to XX/XX/XXXX2023, and apply my payments to match the new escrow analysis of XX/XX/XXXX2023. 
I can not get access to a supervisor. I have gotten put on hold for over 45 minutes with no return to the call and I have gotten hung up on multiple times. 
Currently, they tell me I need another escrow analysis because there is no shortage. I believe that all the transactions since XX/XX/XXXX2023, need to be reversed and my two payments of {$800.00} each should be applied correctly. The late fee of {$27.00} needs to be removed also. I can get nowhere further with anyone.

They did offer to have a supervisor call me back at XXXX XXXX on Wednesday the XXXX of XXXX. Someone left a voicemail on Friday the XXXX with an incorrect number. The phone number went to a car dealership in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
On going issue with closed accounts. Reporting on my credit profile. The information was pulled from consumer reporting agencies- XXXX - TransUnion - XXXX - these accs are fraudulent closed accs- I filed a complaint and fraud report with federal trade commission- and my states attorney office regarding thees matters- please remove the filling accs - XXXX XXXX -acc # XXXX XXXX XXXX -acc # XXXX XXXX XXXX -acc # XXXX Please note that these accs was tied to my adress and email - details are enclosed with the documents attached

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 2023-01-27
Company: W&A Intermediate Co., LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wakefield and Associates mailed me a debt collection letter dated XX/XX/2023. The letter states there are two debts owed to XXXX XXXX XXXX, XXXX in the amounts of {$610.00} and {$23.00}. I have no knowledge of this company! I have never had any business, dealing, transactions of any kind with this company. This debt is not real. Looking online, this seems to be a know scam. Wakefield and Associates, along with XXXX XXXX XXXX are trying to scam money from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Velocity Portfolio Group
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:
I am submitting this complaint because I received a letter a few months ago from Velocity Investments LLC. I assume that the letter was a scam because I knew nothing about the stated debt and did not reply to that letter. 
On XX/XX/XXXX I received an email from XXXX ( XXXX XXXX XXXX ) about the same debt which they were now collecting for Velocity Investments LLC. in the amount of {$1400.00}. 
Please note that XXXX XXXX XXXX Email dated Wednesday XX/XX/, is acting on behalf of Velocity Investments LLC. who stated they assumed the debt from the XXXX XXXX XXXX. 

They stated that as of XXXX XXXX that I owe {$1400.00}. I mailed a certified dispute letter to XXXX on Wednesday XX/XX/XXXX to dispute the collection letter received. I requested they correct their records regarding this invalid, non-verified debt and to discontinue any type of communication regarding that debt. 

Please note that the dispute letter was sent to XXXX physical address only as reflected below. The po box is provided for references only. 

XXXX XXXX XXXX ( XXXX ) ( Physical Address ) *XXXX XXXXXXXX Address Formerly Known As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DE XXXXXXXX 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 2023-01-27
Company: W&A Intermediate Co., LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was on XXXX XXXX website looking at my monthly credit score. When I went to Alerts tab it is showing Derogatory Account below it says Wakefield & Associates Reported on XX/XX/XXXX Account Balance {$230.00}. When I called to see what this was about the rep stated they had mailed out a Statement several times ( I verified the address and it was incorrect ). Asked why didn't they ever call me and they stated they did call to the wrong # again. He did not want to email me a statement on what is was for or from when. He wanted me to pay yesterday ( XX/XX/XXXX ) I told him how can I pay when I do not even know what I was being charged for. I told him to pull this out of collection due to the information not getting to me and he said he couldn't until I paid them the total amount due. I have no negative remarks on my credit report everything I have is always paid on time. I hope someone can help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: W&A Intermediate Co., LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Wakefield and Associates, I am writing in regards to a collection listed on my XXXX credit report. The collection is dated XX/XX/2020 and is for XXXX I am disputing this collection. I have not made any payments on this debt and do not recognize it as mine. I was not aware of this debt until I recently reviewed my credit report. 

I am asking that you verify the accuracy of this collection and provide supporting documentation to validate the debt. If I do not receive a response within 30 days, I will consider this debt as invalid and request that XXXX delete it from my credit report. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, When the pandemic began we applied to Wells Fargo for a program offered to delay our mortgage payments for three months. They approved and told us that the non paid months would be applied to the final payment of the mortgage. We then did another extension for three more months and then again two more times bringing the total to 12 months. After this 12 month extension we applied and were approved for a loan modification.

We were given a three month trial period at this new rate. All went well we made all our payments and Wells Fargo said we would receive a new loan modification permanently that they would send to us to sign and send back. 
We received the document and sent back via XXXX to Wells Fargos headquarters. 

We constantly kept checking to receive confirmation and the system kept stating that our information was being updated and not ready for us yet. We were concerned as we had not received any response to finalise this new loan. Rather than wait and risk problems we went ahead and paid our mortgage applying the old higher rate. Rather than have these payments post as new payments for the mortgage due, Wells Fargo had them apply to back payments despite the fact that we had been assured. 
I Writing and verbally ( And Fax ) that the Covid extension would be paid at the end of our loan. 
Also let me reiterate we were calling constantly and checking the system and were not getting any information other than the system was upgrading. 

XXXX  the XXXX of XX/XX/2022 I contacted Wells Fargo because my statement showed a note of default and requested payment for all the year at once ( {$100000.00} ). Wells Fargo home preservation department said that in XXXX they had sent a letter requesting more information and because they did not get an answer from me they removed us from the loan modification program they had agreed to. 

We never received the letter, we never received a phone call or email and we were intensely trying to call Wells Fargo and reach them by email but got no information. 
This is XXXX days before XXXX. 
Thank you so much for your help.

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 2022-12-23
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The US Bank account was suddenly closed without any warning. I received a letter stating I was to receive a cashiers check with the remaining ballance of XXXX and next thing I know the account balance dropped to 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 2023-02-01
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Some person or persons illegally accessed my accounts online and transferred funds to unknown accounts without my knowledge or permission. Despite my complaints to the bank, I seemed powerless to stop the thefts until the account was drained. 

The bank is now refusing to refund my money, despite a police investigation and my sworn Affidavit of Loss! 

Please help me get my money back!

Company response to consumer: Closed with monetary relief