BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-10
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had paid my XXXX + balance in full including XXXX interest. the day my credit limit would be available to use, it was immediately lowered to XXXX. I use this credit card to pay rent. So I basically used all of my cash to pay off that card in expectation to reuse it for my XXXX dollar rent. I was basically robbed for {$3900.00}. 

I was not given 30 day notice or notice by physical as it is said in XXXX XXXX XXXX https : XXXX I contacted multiple reps and supervisors who give me the run around. this has caused me extreme emotional distress. I already know Goldman Sachs uses my signature and application as collateral and trade the securities. I just want my limit returned to me. 
I will be getting a attorney to further my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: JPMORGAN CHASE & CO.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
I was booking a hotel through the Chase app. The app crashed and charged my account the full amount without a notification. I waited several minutes for an email or for the charge to appear on my account. It did not. I then tried again and this time was able to submit while also selecting " DO NOT USE POINTS. '' After this transaction was submitted, I received an email for the first transaction attempt and the second ( in the same minute ). The app essentially double booked ( duplicate charge ) and used points for both purchases which was not selected by me the user. 

I called Chase directly and was redirected 5 times. The last person I spoke to told me I needed to call back to verify the " vender '' would approve the refund. I told them it was not my responsibility as they illegally charged me. They said they would call back and they have not. Additionally, the last person said they were going to transfer me to another person to dispute both charges all together. Once I was transfer 'd I was hung up on. Chase bank is avoiding me when trying to dispute their criminal charges against me. What they did goes against their terms and conditions as well as criminal law for fraudulent charges. They have not rectified the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
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:
In according with the fair Credit Reporting Act XXXX  Account : XXXX XXXX on XX/XX/, 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 furbish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: FinCo Services Inc DBA Current
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 at XXXX {$500.00} decline to XXXX XXXX XXXX XXXX. XXXX decline XXXX XXXX XXXX XXXX again {$500.00}. Again XXXX XXXX XXXX XXXX {$200.00} Again XXXX am {$300.00} XXXX XXXX Again XXXX XXXX {$300.00} XXXX XXXX XXXX. My card then is paused and unpaused XXXX  times between XXXX XXXX until XXXX XXXX At XXXX another XXXX XXXX For {$100.00} XXXX XXXX transfer. At XXXX {$20.00} XXXX XXXX XXXX XXXX At XXXX {$20.00} XXXX XXXX XXXX Then at XXXX XXXX decline daily spending limit. At XXXX decline. At XXXX XXXX XXXX {$500.00} XXXX At XXXX XXXX a money order purchase at USPS for {$1000.00} was purchased. At XXXX {$500.00} ATM XXXX Again at XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$250.00}. ATM decline XXXX and XXXX XXXX. Card is paused and unpaused again XXXX XXXX XXXX XXXX  decline at ATM. At XXXX paused and unpaused again at XXXX XXXX. At XXXX another ATM attempt card upaused again at XXXX. At XXXX XXXX XXXX transfer {$250.00} XXXX. XXXX {$250.00} XXXX XXXX at XXXX {$300.00} XXXX XXXX XXXXXXXX. At XXXX {$100.00} XXXX XXXX XXXX at XXXX card paused again pin gets changed at XXXX XXXX Again. I'm seeing the pattern of Such fraudulent activity that it is overwhelming. The bank should have never let this happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: WV
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: Investigation took more than 30 days

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX after my phone were stolen I lost acces to my email the one i had linked to my cahs app account. After getting in contact with cash app support to let them know my account was compromise by emails athrougth the support area of the app I couldnt have access back to my main account until this last XX/XX/XXXX. After getting back access to my account I noticed that was a money move to a XXXX XXXX XXXX account done on XXXX XXXX, XXXX for the amount of {$2100.00} XXXX place a dispute over this unautorize transaction many times since XX/XX/XXXX but the Support team gives me the same aswer " the transaction were done correctly and satisfactory '' I explain to them as the can see in the system that I didnt do that transaction that i need my money back but they doenst provide more information regards that transaction. Even they didnt honor as they say a credit balance untill the dispute is investigated leaving me with no money and no explanation about where my money is. 

I told them I have the emails exchange since the moment my account was compromise during almost XXXX years of my trying to get back acces to the account thay I didnt do that transaction. 


The emails exchange ant the print screan of the conversation with cash app suppor on the app can be submitted if need it and requested to validate that i didnt have acces to the account in XXXX years and the moment i notifiy them I couldnt get acces to the account on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Did my XXXX taxes at wells Fargo Bank at XXXX XXXX XXXX in XXXX XXXX, co XXXX sponcered by XXXX 's I was supposed to recive back my ( XXXX ) stimules checks which i havent recived as of this date XXXX XXXX ( XXXX ) check for {$1400.00} and another ( XXXX ) check for {$600.00} they both were placed in someone elses account ive worked with internel revnue services ive put traces on them ive gone through a irs advict to recover lost funds and noone can help me ive got day dates and times who i spoke to said the bank had so meny days to retreve said moneys from irs and still nothing while keep telling me going to take another 90 days so now im reaching out to your comp to see if you could help me someones has my moneys and cant get anything do about it ive gone through wells fargo bank went th ett ough irs the irs advict etc all this was started on XXXX and the account no ive got as well please help direct me and help get this resolved i e got a hardship over this whole thing i became homless living off grid please help thank you 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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
List of Unauthrozied Inquires on my TransUnion credit report that have not been removed : TRANS UNION XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-09-09
Company: NCB Management Services Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). The following account is in question : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Information Type of Business Personal Loan Companies - Line of Credit - Bank Line of Credit - Bank - Bank Credit Cards Personal Loan Companies Student Loans Bank Credit Cards Bank Credit Cards Student Loans Personal Loan Companies Miscellaneous Finance Student Loans Bank Credit Cards Bank Credit Cards Line of Credit - Bank I have reviewed my credit report , and it has come to my attention that the information pertaining to the above-mentioned account is erroneous and has a detrimental impact on my creditworthiness. I believe that my rights under the FCRA have been violated, and I am formally requesting an investigation and correction of this matter. The account in question has been inaccurately reported as mine. I suspect that my personal information may have been compromised and used fraudulently to open this account. I have not authorized any such account, and this is a clear case of identity theft.

The credit reporting agency has not sufficiently verified the accuracy of this information before including it in my credit report, which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : I am writing this complaint letter due to the discriminatory treatment I have received while going through the modification process for this loan. I am a XXXX female living in a majority minority census tract in XXXX, GA. During this modification process, the acts of the servicer ( Select Portfolio Servicing, Inc. ) and investor ( XXXX XXXX XXXXXXXX XXXX have been unfair and deceptive as they will not take a payment from me and have asked for the same information several times and refuse to move the process along despite my providing the requested information each time requested. This has resulted in negative credit reporting, making it even harder to complete the modification. The credit terms of the original loan were predatory and was made prior to the implementation of the Dodd Frank Act. I am requesting that the loan be modified and the servicing practices of the servicer and investor be reviewed and addressed with formal action to mitigate any further discriminatory and unfair practices. I have listed a few of the facts below : Modification process start date : XXXX XXXX separate additional requests for information ( all information was provided ) Notice of completed modification package XXXX XXXX more separate additional requests for information ( all information was provided ) Notice of completed modification package XXXX XXXX more separate additional requests for information Servicer has refused to take a payment during the modification process but is negatively reporting to the credit reporting agencies. I have never missed a payment in the 18 years prior to starting this modification. 
Credit score has declined during the modification process : From XXXX credit score on XX/XX/XXXX to XXXX on XX/XX/XXXX. Decrease of XXXX points. 

I am desperately trying to modify this loan and/or make a payment to ensure I do not lose this home due to foreclosure. The negative credit reporting, due to no fault of my own, is driving down my credit score making it impossible to access credit in the future. I have owned this home for close to 20 years and I am being discriminated against because I am a female living in a XXXX neighborhood. Again, I am requesting that the loan be modified and the servicing practices of the servicer and investor be reviewed and addressed with formal action to mitigate any further discriminatory and unfair practices. 



Servicer : Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Investor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a great customer of Chase bank for many years. I held a checking account, a savings account, and multiple credit cards -- all with excellent customer behavior ( no late payments, no overdrawn accounts, etc. ) I have a great credit score, and I am employed full-time for several years. I received a notice on XX/XX/2021 that my accounts are being closed by Chase and they no longer will have a relationship with me. When I called to inquire I was informed by multiple representatives as well as by their managers that they can not provide me a reason. When I asked if I can open other accounts they informed me it is a lifetime ban. However, they also recently ( within the past week ) opened a credit card for me, and could not explain why that was allowed, but that everything else isn't -- including my already existing credit cards with XXXX balances and good, responsible consumer behavior. If a company denies services to a customer who is exhibiting good, responsible consumer behavior and refuses to provide an explanation, that is discrimination. If I were to walk into a restaurant dressed appropriately, with the correct amount of money, and be told I was not being served, to never come back, and to not be told why I am being denied service, the news stations would be there. I've also reached out to the XXXX and FTC. I may not be a " big fish '', but I am a loud one, and it is bad business practices to discriminate against responsible customers and not provide just cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am on a monthly repayment of my student loans and the lender is relentless, I advised that repayment of the loans at their rate is putting financial strain on me and they don't seem to care at all. If I don't pay the loan per their repayment plan, I am forced to have the negative reported on my credit bureau. I have been on repayment for three years and each year, I am required to increase my payments. At this time I have Federal Tax liability of close to {$4000.00} that I am struggling to repay. To make matters worse, Navient is now servicing another private loan of mine which originated with XXXX, then transferred to XXXX and now Navient. My monthly payments for my forced auto debit repayment is {$270.00} and the other newly transferred loan is {$98.00} monthly. At this point, this hefty payment is putting a financial strain on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-05-18
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello on XX/XX/2021 I had a medical collection account from a 3party collection company by the name of CommonWealth financial put on my credit report for the amount of {$1800.00}. I requested Validation of the debt be sent to me via certified mail. CommonWealth Financial received my letter and responded with a itemized bill on XX/XX/2021, No contract not signature of each medical procedure they are saying I had done! This response clearly violates my right according to HIPAA. They did not provide me with a HIPAA release form that releases my medical information to them, therefore by providing this information they are in violation of my HIPAA rights! I am proceeding with legal action against the above creditor should this item not be deleted within the required legal time. I will also file a complaint with XXXX and the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2018, XXXX XXXX is NOT reporting my good, on time payments for my car payments. I asked XXXX. rep to correct the problem they caused to all 3 credit bureaus that my payments are late making my credit score decrease immensely. This is fraud. 
I want this 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 2018-10-10
Company: Experian Information Solutions 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:
Account was settled and closed from XXXX XXXX. however, Experian is refusing to remove it from my credit report nor XXXX XXXX is unable to locate my account ... additionally, XXXX XXXX lost to class action lawsuit and agree to remove any negative credit report from consumer who was effected.

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 2022-04-05
Company: Credit Card Acquisitions Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a collection from the XXXX XXXX XXXX for XXXX that appears on my credit report stating I'm delinquent from XXXX. I have not served in the military since XXXX ( has XXXX ). I have not purchased anything from this company that year. I did purchase items from them back in XXXX but it was not XXXX worth of merchandise. It has been XXXX years since then but it shows that this was recently purchased. I have reached out to Foster and Monroe via email with no response requesting for any information proving the validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have fraudulent inquiries on my credit report on XXXX from the following lenders : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. And on the date of XXXX XXXX is also a fraudulent inquiry.

Company response to consumer: Closed with explanation