BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently went through a divorce and moved all of my money from my joint account to my new Apple Savings account. I transferred XXXX to the apple account with no problem. 
I closed my joint account with my Ex wife and set up a new XXXX XXXX account - I tried transferring my money from Apple to XXXX and my account was locked. 

I called many times and have been told it's a confirmation issue. They told me that my number and name were not linked and that I needed to chat to my carrier. I chatted to my carrier and they confirmed that my name and number are linked. 

I called back several times and have been greeted with different answers - That they can't confirm my number, that my name is linked to an OLD apple joint account with my ex wife ( which she closed ) and that I just have to wait until I'm called back as my funds are frozen completely. These are my entire savings and I can't access them despite offering identity and more. 

I've called around 7x over the past 2 weeks and can't get any other answer except 'wait '

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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/2022 I noticed unauthorized inquiries from XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX my credit report, someone applied for a credit card in my name. I don't know the amount but the inquiry is on my credit report, I contacted the company and the XXXX XXXX about this and haven't gotten any satisfaction.

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 2023-09-05
Company: EQUIFAX, INC.
State: CA
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$690.00} XXXXXXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is showing XXXX XXXX XXXX account close and paid in full with XXXX balance with last payment of XX/XX/XXXX. 

However, Equifax is showing late payments from XX/XX/XXXX through XX/XX/XXXX. How do you make late payments on an account that was closed and paid in full since XXXX. 

Please provide proof of this account being late from XX/XX/XXXX through XX/XX/XXXX. Equifax has 7 days to correct this error. Or I am going to my attorney and filing a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
As of today XX/XX/2023 Ally Financial has called my phone 5 time and I have continued to explain my problem and I have been very cordule to the persons and they state that they are to comply with the request of not calling but that is a lie and I have still phone calls from different phone numbers but my caller ID states it is this company.

I am noting with a log of the date and time.

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 2023-08-01
Company: EQUIFAX, INC.
State: DE
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:
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.

has violated my rights. Or 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello I am currently a customer with Chase and I have been using their XXXX Quick Pay services since last year XXXX. I have been sending money to an individual ( Mrs. XXXX ) monthly since XX/XX/XXXX and all of my transactions have been successfully completed until XX/XX/XXXX when Mr. XXXX asked me if I had sent the money ( {$400.00} ) I had the confirmation numbers and screenshots of the payments that I sent but Mr. XXXX had not received the money. I called Chase and they asked for me to open up a claim so they could investigate what happened. After a couple weeks I called back to follow up and Chase stated that there was no error on their part since the person registered with that phone number was an individual with a completely different name Mr. XXXX and I stated to them that the person that was registered with that phone number was Mr. XXXX and not Mr. XXXX so I asked how is it possible for XXXX to allow two individuals to register with the same phone number that should not have been allowed by XXXX that should of raised red flags on XXXX  system but it did not so my money was sent to Mr. XXXX instead of Mr. XXXX the real owner of the phone number that I had used for the past year. I have sent Mr. XXXX payments for the months of XXXX, XXXX, XXXX and XXXX and he has received all of those payments successfully but the payments for XXXX where deposited into Mr. XXXX account who we believe was being fraudulent. I have called Chase and XXXX and no one is willing to help me. I have proof that I entered the correct information on all of my transactions Chase claims since I authorized the payment their is nothing they can do to help me, but I do not see how that is my issue that XXXX lets multiple people register with the same phone number I have no control over that I sent the payment like I always do and XXXX failed to flag that second account that was opened and allowed my information and money to be sent to an individual that I do not know. Chase and XXXX have failed to help me with this matter and I have no where else to turn too. Chase had credited back my account the {$400.00} initially while they did the investigation but came back and reversed it since they said it was " customer error '' and I went to their branch and showed them that I had correctly imputed the phone number that I did not see how I was to blame for it and my issue was not resolved. Chase and XXXX have dropped the ball when it comes to the security of customers accounts. XXXX should not allow multiple people to register with the same number because they are compromising established customer information. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TAG Intermediate Holding Company, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
They took me title loan off auto-payment without my consent or acknowledgment. I didnt realize until the last payment of the two installments of {$370.00} for the month of XX/XX/XXXX. ( XX/XX/XXXX ) ( XXXX ) .I called to get it current or at least to get satisfied with having them clear the late fees because its was a problem on their end and not me. I was on autopay. I owe them {$370.00} for XX/XX/XXXX plus {$18.00} as a late fee AND it shows on my credit report. I only have a money for current payments not missed payments all my money is accounted for. Im paying about XXXX for a XXXX XXXX XXXX, I was in need of a car and Ganas auto center mess me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$170.00}

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 2022-05-02
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express Hilton Honors New Card : Applied to a solicited offer made by American Express Company on their website that would give XXXX miles if the cardholder spend {$1000.00} within the first 90 days. 

We made promotional spending amount but did not see the XXXX miles credited to our Hilton Honors account. We called American Express to enquire and were told by the American Express employees ( XXXX and XXXX XXXX that I did not qualify for : 1. First rationale : Bad credit history. When I shared that my XXXX score is XXXX out of XXXX they changed storyline. Changed storyline to second rationale after I shared my XXXX scores looking at the XXXX XXXX for the last 6 months. 
2. Second rationale : American Express communicated that they will not offer the promotion to me based on my credit history and I still accepted the credit card. I did not receive communication of this when our cards were sent in the email. I would love to see the letter sent via regular mail. 

It is truly Unimaginable that American Express is now engaged in scamming customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The bank charge me every month XXXX $ as a maintenance fee since XXXX XX/XX/XXXX to XXXX  without my consent and knowing. 
today I called the bank by phone, I have been told this fees because my age is above XXXX and I am not allegeable to wive from this fees. 
in XX/XX/XXXX I started my job and with weekly direct deposit in the same account, I noted they still charge me XXXX $ even I am employee, and I explain that for the agent who answer me today XXXX XX/XX/XXXX and she tell me I can refund only XXXX $ for XXXX last months because the system allowed me that, and she tell me as a next month there are no charges. 
My complaint today is about the rest of the last XXXX years. 

.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Trans Union credit bureau service has continued to report fraudulent information on my credit file. From XX/XX/XXXX XXXX my score decreased from XXXX to XXXX a decrease of over 47 points. as of today XXXX XXXX. They are putting my paid good accounts as closed affecting my score these accounts should be showing paid or paid as agreed.They are also saying the creditors are closing the accounts. I have never or would never close a good account that has been paid.also trans union has said that my creditors have put derogatory remarks on my credit file.therefore, affecting my score module.They have removed over 30 accounts fraudulent accounts from my file.Those fraudulent accounts affected my score for years and then they drop my score and have removed these accounts and affected my scores again. These accounts are as follows listed here and attached.They have given me no points for the removals of the fraudulent accounts.They have destroyed my credit worthiness with my creditors.16 Remarks on my credit file, 9 closed Paid accounts Department of ED , 14 closed paid accounts, 5 closed paid accounts, 2 more derogatory remarks. All these accounts have been paid in full and I have not  closed these accounts.The law suit CFPB sues XXXX  and Trans union has affected my credit file and worthiness the Dodd Frank act of 2014 and my credit will never recover from their inability to keep my credit file and information safe.This is Fraud and unfair practices of Trans Union. I want a complete investigation into this matter I have contacted the CFPB and filed over 20 complaints against Transunion, XXXX and XXXX. and these bureaus have continued in their fraudulent practices and the SCORE MODULES HAVE TO BE FIXED NOW!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
on XX/XX/2020 applied for XXXX XXXX  credit was denied with a XXXX credit score and immaculate credit they sent me a letter they could not identify me XXXX XXXX XXXX tried again talked to a rep from company denied again XX/XX/2020 signed up for home depot credit card denied I call XXXX my credit union that cant help I don't know who to call for help hoping u can point me in right direction or fix my problem thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is not accurately reporting my consumer information. I have provided proof of my identity and Equifax will not accurately reflect the information which is causing me to be denied for credit. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: ORG GC GP Buyer, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I did pay my phone in full to unlocked it in XX/XX/XXXX and finish my membership the amount was XXXX $ under the phone number XXXX, then I switched over XXXX career on XX/XX/XXXX, since that time XXXX  keep charging me around XXXX $ a month for a phone number that I've never had which is XXXX and if you call this phone number is out of service, I did talked to an agent he said he gon na fix it and will never charge me again, although the month after, they charge me again I did call my bank to stop letting them take the money, in the XX/XX/XXXX wich is 2 days ago I did talked to them again but not solve the issue they were just confused because they were mistaken and said your case is now at the collection, and now they keep bothering me with a bills that I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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: 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 2023-08-24
Company: Experian Information Solutions 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:
XX/XX/2023, tracking number XXXX certified letter 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The cred it bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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 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 2023-08-02
Company: Synovus Bank
State: FL
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:
I completed an application with First Digital Credit Card after they send me an offer for {$700.00} credit card via XXXX match credit option lowered the amount to {$300.00} and requested me charged me {$95.00} to accepted a credit of XXXX  XXXX additional charged me {$75.00} to the credit amount. After they said that the payments due date is XX/XX/2023 changed it to XX/XX/2023 without any expressed notification after I uodated my new mailing address due to things beyond of my control and when I made the payment on XX/XX/XXXX. 2023 appeared as a late payment and charged me late fees XXXX  XXXX fees are illegal and they changedthe due date in misleading and confusing terms. They changed without previous notification and consent. Iam not a silly person. I believed that someone in ny previous address is receiving my mailing and making identity theft or the previous apartment complex administration is receiving my correspondence and making identity theft.i need that financial institution removed the late fees charges because they was the responsible for the changes without notification.

Company response to consumer: Closed with explanation