BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My name is XXXX XXXX and I have received a letter stating that my claim has been denied because there was a similar claim last year. I do not agree with the decision as I am a victim of identity theft and two of my credit card lost/stolen within past 6 months. I know I had lost my card last year but this isn't the strong base to deny my claim. As you can see that I didn't even use this card as much throughout the year and all of a sudden there are hundreds of transactions charges in only one moth. 

Any and all of the transactions that were made from XX/XX/2018 thru XX/XX/XXXX or XX/XX/2018 are fraud and were not authorized by me. I would like to request the proof or documents of the investigations. Also, I would like to request to re-open and reinvestigate this claim as this is not fair with me to be reliable of paying for such a big amount which I never made transactions of. ( Totaling {$8800.00} ) I am not willing to pay a penny towards these fraud charges as I never authorized those transactions. 

Wells Fargo already have cases against them for not being reliable and I am so disappoint on both incidents. I never received a call or text when all of these fraud charges were made. 

Please contact me for any concern/questions at ( XXXX ) XXXX or via e-mail at XXXX. 

Regards, 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 monetary relief
Consumer complaint received 2018-02-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
all i did is just deposit a insurance claim check to my checking account, on XX/XX/2018 i deposit the two checks from our insurance company thru ATM. 
two days later we got those check mailed back, the reason of returned is the endorsement are not acceptable for deposit. So I called Chase customer help line, they told me because i deposit thru ATM it is not clear to verify the endorsement so go to bank teller and deposit again. so i tell my wife to do that, and she called me our XXXX XXXX teller will not accept the checks because the checks were issued to business name on it ( the check payable to XXXX XXXX & XXXX   company name & my name & my wife name on it ), so i called the chase customer claim dept and told them what is going on and they told me it is okay to deposit if there was correct endorsement on it which is it is. and they told me to try other location. so my wife went to other location chase bank branch and they accepted the deposit. on the way home, my wife stop by the XXXX branch and complained the teller who did not accept the deposit. and few minutes later the bank teller who accepted the deposit called my wife, and told her the deposit will be returned.so i called the branch manager at XXXX XXXX tried solve the problem, but it was not works, so i got in to online banking site and tried transfer money from my saving account to checking account for covered money i already issued the check to my XXXX and it was not able to do that.i called the chase bank customer help line again and found out my account is restricted by the XXXX branch. 
so i called XXXX  branch and asked the branch manager what is going on and she told me my account was restricted by her branch but not by her because i tried deposit the check to other location after she told to my wife it was not able to accepted.. 
I was so mad because i explained the whole story what was going on and my account was restricted, so told her " are you XXXX kidding with me? '' and she yelled to me " you know what i will closed your account '' after we got argument and i realize it i have tax return money on the way and lot of bill already made payments by this account. this was our only banking account. so i apologized to the branch manager and she accepted it. and she will help out to pay my bill while my account is restricted. 
so i went to bank branch and closing my saving account and transfer money to my checking and also closed my kids saving & checking account. because after i found out my account was restricted the chase bank head office can not do anything about what it happened and not be able to help me out. and today i checked my online banking there is no record of direct deposit from my work, so i called the customer service dept. of chase bank and finally i found out my checking account will be closed requested by branch manager. even without any notice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX  is keep trying to make me pay for an installment line of credit that I didnt agree to, the merchant signed my name off on this for a hair procedure I never got 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 2019-08-28
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX XXXX XXXX XXXX-XXXX. Ever since my loans were Sallie May ( switched to Navient ). This transfer started confusion and created late payments and more interest. At the same time I was paying 2 other companies, XXXX and XXXX. I tried juggling all to make payments but became impossible. Navient always encouraged forebeafance which gave me the chance to focus on other XXXX and XXXX. I finally learned forebeafance is a scam because it just add more interest to loans. This all started with XXXX XXXX XXXX! I have {$100000.00} in debt. I have filed a BDR to {$60000.00} federal with Navient, XXXX is was sued and have stopped collecting along with XXXX. But Navient private loan worth {$20000.00} that my father is a cosigner on is an issue now. XXXX is a fraud along with the loan servicers. I have came to realize it is a setup depressing like the mortgage crisis. If XXXX XXXX XXXX has been sued for fraud along with other loan servicers connected like XXXX and XXXX, why can Navient private loans stop also? It is fraudulent and Im sick of being tricked and giving them My money. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: JPMORGAN CHASE & CO.
State: CA
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:
*I have a small XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) * I now have a mortgage loan with XXXX XXXX due for Refinance or Payment on or about XX/XX/2019, I submitted a Refinance application to XXXX XXXX , *There were derogatory, false reportings on my credit report, *I then submitted an application to JP Morgan Chase , Up until now I was told my application was approved, * Today I received an E Mail from Mr XXXX XXXX he and Credit approval chief have denied my application *The explanation is at best confusing and supportive Evidence is being withheld ( ... due to applicant, guarantor and/or Sponsor historical Information ... ) *Under Marsy 's law I am entitled to restitution, under Brady v.Maryland I am entitled to my Full And final " Historical Information ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with a representative that stated that I could pay the debt less than the full amount. He stated that the debt would not be deleted and it would show paid. He instructed me to file a dispute with the credit reporting agencies and state that it was paid then the collection would be removed. I set the arrangement and made the payment. I waited until the debt showed paid on my credit report then I did as he stated. I filed disputes with the the CRA 's. Well I received responses back from the credit bureaus stating that what was reported was accurate and it could not be removed. I am highly upset that a rep from that company would tell me to follow those steps to not see a removal. I feel that they rep falsified information just so I could make the payment. I think he knew that the CRA 's would not remove it from my report. Can you please help me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: GOLDMAN SACHS BANK USA
State: MD
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 made a payment from my XXXX XXXX account to my Goldman Sachs Apple Card of {$6500.00}. It was processed XX/XX/2023. I accidentally mis-typed the last 4 digits of the card to apply the payment to. I notified XXXX and they told me the payment was already sent and that I should talk to Goldman Sachs. I notified Goldman Sachs and they told me they didn't accept money from other credit card companies. I asked where it stated that in their XXXX XXXX and the supervisor I was speaking with had no answer. I was looking at the XXXX XXXX and it does not state that anywhere. She just kept saying " we don't accept balance transfers. '' I asked if they accepted EFTs and she refused to answer me. She said she would put in a complaint on my behalf about updating the XXXX XXXX and that was all she could do for me. 

I spoke with XXXX today and was advised that Goldman Sachs had failed to respond to their inquiry about my money. I called Goldman Sachs to put in a " Missing Payment Dispute '' because I have the check trace number on the payment. The girl I spoke with said she would put in a complaint for me but refused to take the check trace number because she " didn't know what to do with it. '' She said her supervisor told her they " have no way of tracing '' my money, despite the fact that I have a check trace number, dollar amount and date Goldman Sachs received it. 

I have been told by XXXX that they have no way to retrieve the money from Goldman Sachs and Goldman Sachs is refusing to look for it. So this looks like Goldman Sachs is making out big time- they got my {$6500.00} AND they are still billing me interest on the credit card with a balance over {$6500.00}. I made a typo and tried to fix it and nobody at Goldman Sachs is trying to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Credit Karma, LLC
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: Reporting company used your report improperly

Complaint:
Signed up for credit karma.com today. 
Credit karma never disclosed when advertising for sign up that it is a hard inquiry my score went from XXXX 20 points down just for an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
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:
To whom it may concern : According to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what you have on file for me doesn't match what's listed, then there are problems with either your records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently.

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 2018-06-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 information incorrect

Complaint:
Settlement agreement made and paid for two accounts with USAA, my c edit report was updated but still reflects a balance owed. I contacted USAA and they informed me the problem will be fixed. I conducted a dispute for both accounts and results came back as reporting accurately. Contacted USAA again and they said it is the reporting agency that has failed to update the accounts accurately. So I conducted another dispute on both accounts and received the same result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: SUNRISE CREDIT SERVICES, INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Sunrise Credit Solutions has contacted me 23 times this week from a total of 8 different phone numbers, all of which I have proceeded to block. The have masked their caller ID, and lied when I called back to ask who it was. 

This not just harrasment and dishonest collection practices - it is in direct violation of the Colorado Attorney Generals direction to pause all debt collection efforts. 

I have told then to cease contact a total of 12 times over the past 8 months, stating that I will only talk directly to the original creditor, XXXX  XXXX XXXX, who returned the on-time payment I made for this account, froze my online payment portal, reported late payment to the credit bureau, and has refused to contact me in writing. 

I have said it so many times : I will re-issue this payment once XXXX  XXXX XXXX 1 ) Acknowledges their mistake, 2 ) submits a correction to the credit bureau, and 3 ) reinstates my online payment portal so I am physically able to pay this debt. 

I have never received any paper bills from XXXX  XXXX XXXX, so I have not been given any other way to pay this. 

If Sunrise Credit Solutions continues to harass me, I will file a police report and start involving attorneys.

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 2018-09-07
Company: Nationwide Debt Management Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/18 a letter was sent out from Nationwide Debt Management Solutions in XXXX, CA. It was regarding the tow and storage charges on a vehicle that was never registered in my name and that I was not in possession of at the time of the tow. I also went to DMV where they advised I was never a registered owner and not liable for the vehicle or any tow charges incurred. I called on XX/XX/18 to advise them of the information and that I would be disputing the debt in paper and send certified, return receipt, first class mail today which is within the 30 days I am given to dispute the debt. They then advised they would throw away any written correspondence and debt dispute letter I send and would go ahead with reporting this invalid debt to credit reporting agencies and mess my credit up. They also stated the DMV has no jurisdiction or say in who is liable for a vehicle. I asked if they had a judgement ( I was never served or notified of such a judgement ) and they stated it didn't matter they could ruin my credit with no judgement. I was also insulted in several different ways such as being told I am ignorant, XXXX, incompetent of understanding etc. My rights to dispute the debt are being infringed upon by being told my written dispute would be thrown away and told my credit would be ruined with no court order/judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
IT IS CLOSE TO IMPOSSIBLE to get a live agent on the phone or transferred to the fraud department. I have spent XXXX hours on the phone calling multiple numbers and speaking to an automated service in order to get to an agent in the fraud department ( I assume ). I am on high alert as NEW UNAUTHORIZED INQUIRY alerts from XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and other credit monitoring services have all alerted the new inquiries are now on my TransUnion profile. 

By 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 : XXXX. XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XX/XX/2023 According to 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S. Code 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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. 

15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2020-04-03
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Submiited several income-based repayment applications, and for some reason, my payment keeps going up and down. I work as an XXXX  XXXX  at two community colleges ( see the attached pay stubs ). Nelnet consistently miscalculates my income-based student loan payment amount. I want the CFPB to file a lawsuit against Nelnet and havr an independent auditor to check the work of their staff overseeing income-based loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-14
Company: The CMI Group, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received, multiple letters and phone calls from credit management about an alleged debt. I received XXXX letter on or around XX/XX/21 with multiple violations under the Federally protected consumer rights/ USC . I have tried numerous times to resolve this issue with credit management LP and have had no luck.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: EQUIFAX, INC.
State: NY
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:
XXXX. XXXX XXXX XXXX - FINAL PAYMENT {$2000.00} ON XX/XX/2019 XXXX XXXX XXXX XXXX - FINAL PAYMENT {$6800.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: CAVALRY INVESTMENTS, LLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a court document that I'm not responsible for and the company refuses to remove the collection from my credit report. I've uploaded the certified court document, and they still refuse. XXXX simply refuses to remove the collection despite the certified court document.

Company response to consumer: Closed with non-monetary relief