BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: GOLDMAN SACHS BANK USA
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XXXX card was converted to a Goldman Sachs XXXX, between XXXX and XX/XX/XXXX. I was not concerned as I had XXXX savings accounts with Goldman Sachs and had dealt with them previously. 
Through my bill pay i made the following payments, and Goldman Sachs accepted them, XX/XX/XXXX - {$20.00} ; XXXX XXXX - {$100.00} ; XXXX XXXX - {$25.00} XX/XX/XXXX - {$25.00} XXXX XXXX {$25.00}, XXXX XXXX {$100.00}, XX/XX/XXXX, XXXX {$25.00} XX/XX/XXXX, XXXX {$250.00}, XX/XX/XXXX, XXXX - {$25.00} XX/XX/XXXX {$25.00}, XX/XX/XXXX, {$25.00} XXXX XXXX {$25.00} Additionally these payments were made by XXXX XXXXXXXX {$29.00} The payments not accounted for in XXXX were more extensive. 
An example of the issues are on the statement from XX/XX/XXXX to XX/XX/XXXX The following payments were finally credited- XXXX {$50.00}, XXXX {$40.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX - {$20.00} ; XXXX XXXX - {$100.00} ; XXXX XXXX - {$25.00} These payments had sat with Goldman Sachs for months , and while they had refunded the late fees, they stated it would not happen again, The following month it happened again. 
A couple of days ago, i got another phone call, my payment was late again, only the previous month i had set up autopay from my Goldman Sachs account again. Only this time i was told they had fixed the issue, because I couldn't have XXXX accounts attached for bill pay. 
I was notified i was not making payments but in reality they did not put the funds on my account. They then charged me late fees, and stopped my card from being used. They notified the credit bureaus I am consistently late and it has adversely affected my credit score. I have spent hours on the phone with the representatives, " managers '', leads all without resolution. 
Yesterday, a manger XXXX, notified me that the autopay i had set up was removed as the bank account did not exist. The account is a savings account with Goldman Sachs, and they were able to verify it existed when it was set up. She then told me they only pull from checking accounts and this was a XXXX account. I noted they had pulled a XXXX time payment from my XXXX  account with a different financial institution in the past without issue. She then said i must have had a XXXX account attached to the account. When i pointed out it did not, she got snarky and informed me I was wrong. I could only make a one time payment from savings attached to checking. 
I have spent hours and hours on the phone, and no resolution has been offered. Instead i get told i am wrong, and the fees roll in and my credit takes a hit. 
When I call I get told there are a couple notes, nothing showing all i have had to tolerate in the last XXXX  mnths

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: VA
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:
Please remove the highlighted accounts from my credit report from your files. This is becoming a burden and it isn't fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Chime Financial Inc
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:
On XX/XX/XXXX at around XXXX I called my bank to inform them of the unauthorized transactions on my account totaling {$1600.00}. I had told them that I had contacted the merchant which whom I'd never heard of, but was unable to find anything out. The transactions had been spread out, yet Chime never thought to flag these constant multiple transactions from an online merchant from another country. On the following day, XXXX XXXX at XXXX however, I received a decision on my dispute. According to Chime, they say those purchases were authorized by me, which they weren't. After complaining that they did not even look at the material facts, and informing them that I'd be filing a complaint, they sent me a followup email telling me that I could submit a rebuttal if I was not content with their decision. I immediately requested the documentation they used to make a decision on this dispute in less than XXXX hours, but I was met with resistance. I requested they begin the rebuttal and look at the material facts and provide me with something as I don't know that merchant, don't know what they offer, and have never authorized a payment to them. I waited since XXXX until this Monday, for the documentation they used which only contains a list of the transactions, the fact that I had my card when I reported this but they don't mention if the card was physically swiped so this has nothing to do with someone using my card information. The question about my pin being in a secure location should simply say yes, because memorized is secure. " If no, then where? '' should not be answered unless memorized is not secure. Lastly, their reasoning for their decision is because the account balance was drained. It is overwhelmingly clear that Chime has not done their due diligence with my dispute and simply denied it in under XXXX after being filed, denied without any proof other than the account being drained, possibly in an act of discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 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 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-01-04
Company: CITIBANK, N.A.
State: NC
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:
XXXX ( {$520.00} ) & XXXX ( {$5.00} ) On XX/XX/XXXX, my card was stolen and about XXXX unauthorized charges were made ( as most charges have been dropped I am not sure how many there were ). I was notified of this through a text from Citi where I immediately notified Citi via text that this was an unauthorized charge ( screenshot attached- please note the XX/XX/XXXX text on the bottom as the earlier texts are from a prior date and not under dispute ). I then went into my account and found the other XXXX charges and, via the app, notified Citi that these were fraud. My credit card number was changed to prevent further fraud. XX/XX/XXXX, while ensuring my account was cleared of these charges, I found that there were XXXX others left behind that had not been cleared. These totaled {$520.00}. I contacted Citi via phone to let them know these were fraud as I did not make these charges. I do not have any authorized users on this account. My fraud claim was denied despite my telling the team multiple times I did not make this charge. I then reopened the claim and followed up multiple times regarding the status and at least XXXX times was assured that I would get a credit in XXXX business days ( screenshots attached ). The XXXX time I reached out I was given a number to call. When I called this number, I was notified that my claim was denied as I had a mobile wallet. I gave the XXXX to the fraud dept to help with investigation - but it was not reviewed. I am not sure how these charges were made, but if it was through a mobile wallet, I can assure you I DID NOT MAKE THIS PURCHASE. Perhaps someone used my card on their phone? My uber account also does not have these charges in them. I reopened the charge on XX/XX/XXXX, called back to check status on XX/XX/XXXX and was given an email to send evidence to. I sent evidence to the email Citi provided on XX/XX/XXXX. I called back XX/XX/XXXX to check status but was told the dispute was still closed. I went to the CitiBank branch XX/XX/XXXX as well and was still unable to resolve it. have tried many times to resolve it. None of my evidence was reviewed and I have not seen an uber reciept so I can't even fight it with XXXX. I did not make these charges.

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 2019-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/2018, I came home from a Spring Break vacation with my kids to find my wife had moved out and filed for divorce. Her lobster lifestyle on our baked beans budget and job layoff had led me to over utilize four of my credit cards ( XXXX XXXX, Bank of America [ BoA ], XXXX, and XXXX ). I contacted each of them to discuss my problems and see if there was anything I could do. XXXX offered a temporary reduced rate and monthly payment. XXXX also offered a temporary reduced monthly payment. XXXX didn't have anything to offer. BoA suggested I open a new account with them to take advantage of available credit and shuffle some high-balance accounts around to promotional balances. Although I was initially skeptical of this approach, I was desperate not to get into an even worse situation and agreed. I was disappointed that the best they could do was a second account with a {$2200.00} limit but went ahead and transferred {$2000.00} to this account. What ensued led to significant impacts to my credit that I believe are still affecting me today. Rather than simply open a new account for me with this new line of credit like the rep had explained, BoA took the {$2200.00} off of the credit limit for my existing account. This basically put my debt to credit ratio for that account at 100 % and led to a domino effect across the other cards as they saw BoA drop my limit. My available credit for the XXXX card dropped from {$25000.00} in XX/XX/2018 down to {$21000.00} in XX/XX/2018, which not only put that account 's debt to credit ratio at almost 100 %, but also cancelled out a balance transfer request that I had just submitted. I spent a considerable amount of time complaining to XXXX and BoA about these issues and trying to describe what happened but they didn't seem to care. I'm wondering if the BoA reps get an incentive for opening new accounts and if that motivated them to push me in that direction. I'm trying to get a home equity loan to address all this horrible credit card debt but can't do so because of these issues with my credit. I've been very disappointed with BoA and regret ever doing business with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I recently received a copy of my XXXX credit report, and i noticed some late payments posted on my credit report : XXXX XXXX Bank. XXXX These companies are in clear violation of the law. Under 15 USC 181 ( 1B ) - permissible purpose 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 accordancee with the written instructions of the consumer to whom it relates.

I have not gave anyone written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 16181 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title ( i ) any report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: FL
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from XXXX XXXX. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 wrote letters to XXXX and TransUnion requesting the payment history for this account to prove that it should be charged-off. I have not received any validating documents proving the attached account is correctly classified as a charge-off. Failing to verify within 30 days when requested is a violation of the FCRA.

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 2019-10-03
Company: Advance America, Cash Advance Centers, Inc.
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I keep getting calls from a debt collector XXXX or XXXX saying they are calling for advanced America when I called advanced America they say I dont owe them any money but this debt collector is very rude hangs up on me when I try to explain it and tells me I need to get a attorney because I am going to be sued and they are going to contact my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2022-01-04
Company: Experian Information Solutions Inc.
State: NY
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:
The 3 credit bureaus are reporting incorrect information on my credit report, XXXX, XXXX, and Experian. These errors are a direct violation of the Fair Credit Reporting Act. Multiple times these credit bureaus have listed incorrect information on my credit report. This incorrect information is being reported by not one but all three of the credit bureaus. It is causing an extreme amount of stress. No matter what I do these credit agencies are not assisting me and are not replying to any letters that I send them. This is an issue because the FCRA states that they must complete an investigation in 30 days, yet this has not be adhered to. If I do not receive any information from them is this not a violation of the Fair Credit Reporting Act? It indeed is. If you take a look at my attached photos you will see all the inaccurate reporting 's with these accounts. Such as date of last activity, date opened, reporting Charge-off 's only on a payment history. How can a CO be reported as payment history? This is terrible, this wrong. The FCRA states that each credit bureau is to report identical information, however, they're all reporting incorrect information. This is not ok, and is against the law.

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 2022-12-08
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: Overcharged for something you did purchase with the card

Complaint:
XXXX  amount : {$220.00} Dispute Ask : {$160.00} On XX/XX/XXXX, my mom and I came back from a 15 hour flight from XXXX. We went to the XXXX  XXXX XXXX  that the XXXX XXXX provides for {$65.00} a ride. The cab driver was cursing in the car, making XXXX remarks XXXX XXXX XXXX  XXXX XXXX. When we finally arrived at my destination, he overcharged me and made up some math on his phone calculator. After the pending charge successfully completed, he also added a {$40.00} tip to himself. I did not authorize this fraudulent tip or the overcharge amount. I saw a credit card machine in his XXXX  cab, and he lied and said its not working and to use the XXXX app on his phone. I also asked for a receipt that was itemized with the tolls and amounts and he lied and said he sent it. He purposely never sent it to me, and was trying to take advantage of my mom and I. 

After the event happened, I contacted the XXXX XXXX company, Chase, and XXXX immediately. Chase and XXXX stated that I should just wait until the pending charge is complete and then dispute it. After a month of investigating, Chase deemed this charge legitimate. I called Chase to ask why it was deemed legitimate, and they said that they can not do anything with XXXXXXXX XXXX policy and are unable to help me. I asked if they could reopen the case, and they said I can write a formal letter and mail it or fax it in to them. Chase and XXXX both did not seem to care about me in this instance. I truly am making a complaint because if this taxi scammer is able to get away with this with me, then whose to say he isn't doing this with others? What if he added a {$100.00} tip to himself? Does that mean no matter what I have to eat the costs? Even though my mom is a witness, and I did not authorize or sign for this? Chase also stated that they do not deem this as a fraudulent charge since my card was not stolen or taken over. However, this is an unauthorized over amount and tip. I am very disappointed that this kind of behavior is okay.

Company response to consumer: Closed with monetary relief