BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX XXXX Marcus Bank  locked and closed my Savings acct. XXXX XXXX said account XXXX is closed and fund {$7500.00} will be mailed back to me to the address on file in a few days. 
XXXX XXXX spoke with XXXX XXXX hold for 50 minutes and supervisor will call me back. Never did. 
XXXX spoke will XXXX and told a manager XXXX will me back. XXXX XXXX called back stating acct is being closed. Fund will be forwarded to my linked external XXXX XXXX XXXX in 1 ~2 weeks. 
XXXX spoke with XXXX. Acct is closed {$7500.00} will transferred to my linked external XXXX XXXX XXXX  - XXXX. 
XXXX spoke with XXXX. He said a supervisor will call me back TODAY to wrap up this case. Never did. 

So far 3 conflicting statement were given to me. 

XXXX supervisor XXXX. She said she closed the acct and transferred the {$7500.00} to my external XXXX XXXX. case # XXXX. Fund will show up to XXXX XXXX  in XXXX days. But it did not happen. 

XXXX supervisor XXXX told me XXXX had some internal error. Fund did not go out before. Fund now transferred out to XXXX XXXX  XXXX XXXX ET with case # XXXX. 

I have not received my money so far. 
Marcus Bank  lied to me over and over and held my money for 2 weeks so far. This is very unprofessional and criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, on XX/XX/XXXX I filed a fraud complaint about my card with Chime Bank. There was XXXX of transactions on the account by XXXX XXXX. I submitted all the correct documents for the investigation and received an email that I was receiving provisional credits in the amount of {$6700.00} but only {$5200.00} actually made it in the account. I reached out to them immediately on XX/XX/XXXX, the date the credits got applied and informed them of the error. They did an escalation on the issue and stated I would get the money in 3 business days. A week later still no credits so an email, and a phone call for yet another escalation was sent. Again 3 business days they stated ... again no response in a week. Another call and email and they said that the ticket was done wrong. So again another escalation. You are getting the idea. 8 tickets, 10+ emails, and 20+ chats with online agents and Im still sitting here 7+ weeks later with out the refund or even a simple explanation as to what is going on. Im still missing the {$1500.00} ( roughly ). Now when I try to chat they just close the chat without any response at all. I have 2 tickets that they have that are 4+ Weeks old that are not closed nor have gotten a response despite every agent stating this is NO MORE THAN 3 business days. They will not supply me with the ticket numbers, I get no response in chat or in email. Since then there had been other fraud on my account. In the amount of {$3100.00} that is still unresolved at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/2023, XXXX erroneously reported my co-signer and I for a late payment when in fact the account is current and doesn't have a due date until 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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT No. XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX  Balance : {$1200.00} ; XXXX XX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: Carvana Group, LLC
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I recently purchased a XXXX XXXX XXXX from Carvana but have been unable to obtain possession of the vehicle. This purchase is financed through XXXX XXXX XXXX XXXX. This payment was received by Carvana on XX/XX/XXXX. A copy of the payment information was uploaded on XX/XX/XXXX as requested but no attempt was made to verify the funds. All obligations regarding this agreement have been fulfilled. The appointment to transfer possession of the vehicle is scheduled for XX/XX/XXXX. However, your customer service representatives have cancelled the appointment for delivery and are refusing to deliver the vehicle as agreed. The reason provided is that they are unable to verify the funds. Carvana has made no attempt to verify the funds with XXXX and the check has already been received with signature confirmation of delivery. The customer service department is also threatening to cancel my purchase as a result of their error. 

I have attempted to resolve this issue by phone with your customer service department but they simply hung up the phone and refused to speak with me. No reason was provided for this action. I reached out to your customer service representatives using the chat feature and they are refusing to make any attempt to verify the funds. The representative stated that I would need to place an order for a new purchase even though your organization has already received the payment for the existing order. They are also refusing to escalate the issue any further. 

Attached to this email is a detailed copy of the complaint and the XXXX  proof of delivery. I am also including a copy of the payment information from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There is information on my credit report that does not belong to me. The company does not follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as required by 15U.S.C 1681e ( b ) also they are reporting collections accounts which no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collection pursuant 15 U.S.C 1681c ( 4 ).

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 2023-10-06
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This relates to a Lowe 's ( hardware store ) card, billed by Synchrony. 

Prior experience has taught me that this company sometimes sends the bill so late that even if you pay the day the bill arrives, you will be charged a late fee. In a previous instance they did refund the wrongly-charged fee. 

So on XXXX XXXX I noticed that the usual bill had not arrived, and went online to see if there was a bill this month. The online log-in said they were discontinuing mailing bills and switching to online bills. So I tried to check for the bill online. Their website said online statement not currently available, but that I owed payment by XXXX XXXX. I have not received any bill for this period by email, by mail, or by any other method, but for my logging on in suspicion. 

Then Lowe 's sends an email " confirming my preference '' for online billing. 

I paid the bill on time using billpay, and my bank says the payment will arrive on XXXX XXXX, so I should not be charged this time. 

Please require Lowe's/Synchrony to send credit card billing early enough that customers can pay on time and avoid late 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 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX  - account number XXXX. ( Please see page 6 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 ) bureaus to fix this issue but I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit 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 explanation
Consumer complaint received 2023-01-23
Company: DISCOVER BANK
State: CA
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:
COVID hit California and my son was enrolled in XXXX XXXX XXXX University and the University shut down and the students were sent home. Discover Student Loans took my Son out of the Deferred Status to the Repay Status. So, XX/XX/XXXX we made the payment of XXXX on time. Then in XXXX I paid in advance for XXXX, XXXX, and XXXX of {$200.00} ( when XXXX, 3 months so I overpaid by XXXX ). Still in XXXX the continued to bill me at XXXX, then billed me for XXXX another XXXX. So XX/XX/XXXX I paid the XXXX, Then I paid a payment on XX/XX/XXXX another {$100.00} Still ahead by XXXX, now add XXXX of which was included in my XXXX payment of the {$200.00}, so now I am ahead by {$140.00}. I pay over the phone and choose the advance pay option, but they obviously are not noting the account. So, they keep billing me the XXXX, I don't make another payment until XXXX of {$160.00} because I have paid in advance for XXXX and XXXX, still leaving reserves. The automatically billed me for XXXX and XXXX of which the payments were returned because I did not know they signed me up for automatic payment. Should not matter because I was already paid through XXXX, then in XXXX I paid {$260.00} because they said I owed them the money, but in fact at this point from XX/XX/XXXX to XX/XX/XXXX I paid a total of {$780.00} which is {$96.00} over the payment schedule they gave me of XXXX each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This following scam information was sent to me by text ( XXXX ) XXXX again on my phone in this order and reported previously to FTC : PLEASE REVIEW THE BELOW FOR INSTRUCTIONS TO ACCESS YOUR SECURE COMMUNICATION, XXXX : XXXX? XXXX. REPLY STOP TO END************************************** This private message is from State Collection Service , Inc. ( " SCSI '' ) a debt collector. Please review the contents of this message and any attachment ( s ) in private so that other people may not view it. The attached message is encrypted. To open your encrypted message : 1 ) Double click on the secure PDF attachment. 2 ) When prompted for a password, please enter your current 5-digit zip code to open your encrypted message. 
This is a post-only communication from SCSI. Please only respond to this communication with " STOP '' if you do not wish to receive communication via text message from SCSI in the future. If you have questions or concerns regarding this communication or if you experience trouble opening the attached document, please call ( XXXX XXXX XXXX. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. Sincerely, State Collection Service , Inc . 

I do not know who this scam company is. I do not have a bill with them. I have received this message 3 times before and sent them a text message to stop sending me texts and they refused. I blocked this number in the past and they got back in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions 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:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I have attached my FTC report and Police Report which I filed on my local Police department to testify that I am a victime of identity theft. I am in desperate need of this item to be INSPECTED and REMOVED. 

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 2023-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Previously filed complaint continues. Capital One 's response was the EXACT SAME WHICH CAUSED ME TO FILE THIS COMPLAINT. Sadly, it seems this is a useless gov website that's funded with taxpayer dollars and does nothing more than provide a form for consumers to fill out. 
I hope I'm mistaken and there is an actual point to protecting consumer and improving shady business practices- stopping negligent and illegal practices. 

There are more than 30,000 complaints against XXXX XXXX in CA. under the two headings I submitted under. 

Please forward this to the company. 
What are the next steps in your opinion? Please provide emails for govt. officials who hear from constituents or head of committees that govern this website/ " service ''. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-01-21
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After my mortgage was changed to a new servicer, NewRez ( also Shellpoint Mortgage ) the new servicer raised their fees to an excessive degree. While certain fees went from {$0.00} to {$100.00}, others went from {$0.00} to {$2000.00} and in the most extreme case a fee went from {$30.00} to {$35000.00}. As someone who never chose to do business with this company, these fee changes are a way to hold customers hostage, especially as some that were XXXX, are now required when paying off your loan as are other activities related to refinance and ending your relationship with this loan servicer.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Tribal Lending Enterprise, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan With Summit Financial in XXXX.I now realized they are not liscened in Washington State. I made 1 payment. I reached out to them about paying back remaining principal only. Over 6 months time.Only response I get is that payments are late and they will go after me basically.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: GA
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:
I have been disputing with Equifax, XXXX ad XXXX since XX/XX/XXXX and have not gotten anywhere with them so this is why I'm here. 

All XXXX credit reporting agencies have failed to conduct a re-investigation which is a violation 15 USC 1681i ( a ) ( 1 ) ( a ). 

The following accounts have the following violations and need to be removed from the credit report : XXXX XXXX  with Account Number XXXX - This account was deleted from XXXX and Equifax is still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) Equifax was notified by XXXX that this account was deleted due to it being inaccurate and unverifiable. Hence, my question is how Equifax is reporting this still if this is the case. 

XXXX XXXX with Account Number XXXX This account was deleted from Equifax and XXXX and XXXX are still reporting it. I know pursuant to 15 usc 1681i ( A ) ( 2 ) ( A ) they were notified by Equifax that this account was deleted due to it being inaccurate and unverifiable. Hence, my question is how XXXX and XXXX are reporting this still if this is the case. 

XXXX with Account XXXX XXXX violated 15 USC 1681s-2 ( b ). They have failed to provide account-level documentation after being contacted by the credit reporting agencies regarding my dispute and violated 15 USC 1681-2 ( a ) ( 5 ). The date of the last activity is incorrect. Equifax is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX IS REPORTING ON MY XXXX. AND MY EQUIFAX CREDIT FILE THAT I OWE THEM MONEY THAT I DONT. I HAVE PREVIOUSLY ASKED THEM FOR A VALIDATION OF THE DEBT IN WRITING, WHICH I AM STILL PATIENTLY WAITING FOR. I AM ON XXXX, WHICH MEANS MY INCOME IF FEDERALLY PROTECTED. THE OLD XXXX  ACCOUNT WHICH IS NOT MINE TO BEGIN WITH AND IS TRYING TO BE REAGED BY XXXX XXXX IS THE ONLY THING I CAN THINK OF, WHICH WAS OVER 2 YEARS AGO. I WANT THEM TO STOP BOTHERING ME, WHICH IM ENTITALLED TO ASK FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Thaxton Investment Corporation
State: WI
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:
This account was open in XX/XX/2011so it as well over seven years old they are reporting negatively on all three of my credit reports they will not remove the account and each month they keep reporting an extra XXXX some dollars in interest fees they have it marked as a charge off on my credit report which is past seven year mark which is very negatively destroying my credit this is the only thing negative I have on my credit and I would like them to remove it I tried to contact them and they will not remove it I tried to dispute it with the credit bureaus they will not remove it you are my last option please remove it thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 XXXXXXXX

Company response to consumer: Closed with explanation