BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The response from the company is not accurate. Apple never contacted me at the phone number provided. The transactions disputed were fraud my phone was compromised and the purchases were made. The disputes were resolved in favor of the merchant that is correct however they went based on that because shows transaction was made and it was. However transaction was not made by me. Despite me contating the merchant they still accused me of lying and made me pay for transactions I did not make. So the company never took a word I said seriously. And on top of everything I have a debt for fraudulent transactions I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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:
XXXX XXXX XXXX have reported multiple late payments on my credit report for 3 different account that I have with them. I have attached a letter to this complaint, naming the accounts, account numbers, and the law that states that XXXX XXXX XXXX can not report late payments to my credit report. THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is NOT INCLUEDED on my Consumer report! Please review again my letter that is attached. Violation of the law will result in a lawsuit, seeking damages of {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: FL
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666 ( b ) a creditor can not treat a payment on a credit card account under an open-end consumer report as late for any purpose.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a.k open end consumer credit plan as late for any purpose.

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 2023-04-19
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XXXX Ga ; closing XXXX XXXX2023 My monthly mortgage was based on credit score, debt to income ratio e.t.c at {$1700.00} per month. 
In XX/XX/2023 I received a noticed from Amerisave loan servicing center indicating that my mortgage have increase in the amount of {$1900.00} ; which is rufflly {$2000.00} a month. 
Being that I am XXXX and on a fixed income ; this change in monthly mortgage payments have made my mortgage unaffordable ; being that I do have other calculated monthly expenses; such as utilities, insurance, food and the expenses of taking care of my family. 
I have spoken to XXXX loan servicing center on more than one ocassion, only to be told that a ticket will be created for some one to call me back with a logical explination. 
I got several calls from the servicing center ; but the reason they all gave me for the increase made no sense ; which was their analysis estimated my tax will increase as well as my home owners XXXX, and pmi I contact the XXXX XXXX Tax office in XXXX Ga, and they said that there have been not tax income estimation done for the year yet, and I also contacted the home owners ins company XXXX XXXX ; who also said there have been no increase. 
I have also tried calling the amerisave Loan office mortgage ; the representatives that help me with the loan process ; can not be reached or no longer works for the office. 
I pretty much emptied out my savings to purchase this home for my family ; with the plan to start rebuilding my savings ; well that plan is out of the window now ; it will take much longer to save.

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 2023-04-10
Company: Experian Information Solutions Inc.
State: IN
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:
Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of {$2900.00} from my Capital One account to the scammer. 

On the morning of XX/XX/2022, I was scrolling through my email and read that the XXXX XXXX had automatically renewed their protection plan for {$340.00}. However, if I didn't want to renew the protection plan, I should call their XXXX number to cancel. I called the XXXX number and spoke with XXXX XXXX ( XXXX  )XXXX XXXX asked me to open my computer, and allow him to connect his computer and banking system to mine in order for him to replace the {$340.00} deducted from my account. When it came to the prompt, I was to type in the amount deducted from my account. Unfortunately, my fingers quivered and I accidentally typed XXXX. At which point XXXX  went into his act, because he couldn't correct the mistake, the money was already transferred and he was going to be fired, I could be charged for bank fraud due to overage of payment, his family was going to suffer, etc. His accent was that of the XXXX XXXX, but he claimed to be a hardworking and honest XXXX man, who would never lie to me. ( According to bank records, the money never appeared in my account. The only time it showed up was when XXXX  linked up with my account. ) I offered to write him a check for the overage but XXXX  said I couldn't do that because our accounts, mine and his, were frozen until I paid the overage. XXXX  told me the way to pay back the overage was through the purchase of gift cards at pharmacies or stores. XXXX  directed all my purchases at every store by card types and amounts. I purchased cards in {$50.00}, {$100.00} and {$500.00} amounts. The various gift cards included XXXX XXXX, XXXX and XXXX. 

I questioned him on the amounts I had given him several times because I felt sure I had more than repaid the amount owed. XXXX responded to my questions by saying many of the cards were not properly activated. He also couldn't tell me the amounts I had given because it took time to process the cards. XXXX  also gave me his desk phone number ( XXXX ) XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: TX
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 credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-02-12
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:
It has come to my attention that both XXXX XXXX and XXXX have been sharing my personal information with the credit reporting agencies without the express written consent. This information includes but is not limited to : transaction history ( late payments ), balance, and experiences. My credit cards are a matter of consumer law. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) Exclusions report containing information solely as to transactions or experiences between the consumer and the person making the report.

Therefore, late payments and account balance SHOULD NOT appear on my consumer report.

Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The privacy statements provided by both XXXX and XXXX states that my personal information can only be shared with the credit bureau and affiliates. Pursuant to 15 USC 1681a ( w ) The term Bureau means the Bureau of Consumer Financial Protection. In addition, pursuant to the U.S. Consumer Privacy Notice provided by XXXX the term " Affiliates '' means Companies related by common ownership or control. Therefore, the privately held credit reporting agencies would be excluded from being able to use the above mentioned information on my consumer credit report without my express written consent. 
I have contacted both XXXX and XXXX to opt out of all data sharing with any and all third party nonaffiliates, including but not limited to XXXX, Experian, XXXX, XXXX XXXX, XXXX, XXXX, anXXXX 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 2024-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a checking account with Bank of America, and since I am out of the country and the account being inactive, I received a notice regarding this in the month of XX/XX/XXXX. I contacted the bank officials several times asking assistance to close the account and transfer the money, but failed and hence contacted CFPB seeking help to solve the issue. I filed an original complaint ( # XXXX ) dated XX/XX/XXXX. One representative named XXXX XXXX XXXX XXXX Resolution Specialist, Regulatory Complaints contacted me over my phone. She suggested me to write a letter for communication stating to close my account upon my request and send me a Banker 's Cheque, to my address after verifying my identity and my concerns are being genuine. She gave me the address to communicate also. Later she sent me a packet via XXXX courier which included all these information. She also told the Banker 's Cheque validity would be XXXX days and once not cleared within XXXX days, I should get back to her so that she would issue a new one. I received an email from Bank of America XXXX days after stating that my account has been closed. But after that there were not information or correspondence. I after waiting for almost XXXX months, filed another complaint with CFPB during the month of XXXX. Complaint # XXXX  dated XX/XX/XXXX. 
As a response to this another representative named XXXX XXXX XXXX, Executive Escalations, Resolution Complaint Operations, Bank of America contacted me over my phone like XXXX XXXX XXXX  did. According to him, a Banker 's Cheque was issued for me but dispatched to a wrong address. He also emailed my in my personal email address detailing all what have happened and a new cheque would be issued with a stop payment notification issued on the previous one. The response email I received from him on XXXX  and he mentioned that the cheque would be sent to my address on the same day. Despite waiting XXXX  days, I am yet to receive any information regarding the status of the same to this moment. He also mention that he would contact XXXX XXXX XXXX  for any tracking information and later replied that there were none. 
Copies of all communications are attached herewith.

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 2021-03-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received a phone call and the caller id said it was my electric company. They stated that I need to make a payment so I sent the money. It didn't feel right so I called the electric company directly and they immediately said it was fraud and to contact the bank. I called the bank and they said that they couldn't help me because it was done thru XXXX and to contact XXXX. I then called XXXX and they advised they couldn't help be because it was thru my bank app and not the XXXX app on my phone. Now I have lost {$490.00} because I was threatened to have my electric turned off and I don't understand why the bank can not help or get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My ally financial account # is : XXXX This account is XXXX years old. I have XXXX bank accounts stored on file in ally financial auto app I been using since inception of loan ( XXXX ) ... ... I RECENTLY FILED A CPB COMPLAINT AGAINST ALLY REGARDING XXXX LATE PAYMENTS THEY WERE REPORTING ... ... .after directly disputing with them & bureaus for two years & two years of THE only negative late payments, it was finally corrected as a result of my complaint with you all! 

Now I seem to be experiencing some retribution or hazing! 

My wife made a payment in amount of XXXX on XX/XX/XXXX using her XXXX XXXX routing/acct number ( XXXX ) which is listed on my ally app ( I been using ally apt to pay since day XXXX ) ally state payment was returnedXXXX XXXX  shows XXXX deducted on XX/XX/XXXX & there has been no return of money since. THE MONEY IS MISSING AS OF DATE then I personally made a XXXX payment last wednesday ( XXXX ) using my listed XXXX acct XXXX which Is again listed on account & used for last XXXX years. IT TOO WAS RETURNED! 

I looked in app to see payment info & why returned. It had an different last digit on account ( XXXX vice my account XXXX ) SO SOMETHING IS GOING ON!!!!! SOMEBODY IS PLAYING GAMES!!!! EVERY SINCE LATE PAYMENT DISPUTE! 

My XXXX payment account been used & stored for XXXX years. All I do is click on it! 

In fact, both MY XXXX & MY WIFE XXXX IS STORED. There's no manual input during payment just a click WELL I BERN CALLING SINCE XX/XX/XXXX ABOUT HER XXXX PAYMENT & NOW ABOUT MY XXXX PAYMENT & IM ON PHONE XXXX NOW GETTING TRANSFERRED OVERSEAS TO LADIES WHO HAVE NO CLUE WHAT THEY TALKING ABOUT. They refuse to put me on phone with supervisor here in states! LADY TOLD ME MY WIFE MADE XXXX PAYMENT USING SOME ACCOUNT # WE HAVE NO KNOWLEDGE OF. SHE ABSOLUTELY COULDN'T ANSWER HOW MY ACCT LAST DIGIT CHANGE. told me to ask my wife. LBS XXXX cans my XXXX payment but my wife 's XXXX been missing & not returned since 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 explanation
Consumer complaint received 2023-05-15
Company: Millco Management
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. So, please remove this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-11-21
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-02-14
Company: CITIBANK, N.A.
State: NY
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:
As you can see from my account, I submitted a request to stop all junk mail and any mail services from Citi Bank for my former roommate XXXX XXXX on XXXX. On XX/XX/XXXX, I received an email with an attachment on company letterhead that confirmed that the mail for her would stop coming to my apartment. Three months later, I am still getting her junk mail and I am livid that the company said that it would stop and they confirmed it to me closing the case, but it is still happening. They are in violation of what they promised and the complaint is not rectified. I attempted to contact them through the phone number provided on the letterhead and they were unable to do so. They told me to call another number but to get through to that service, I need to have a Citi account myself. The fact Im having to spend any time at all to opt out of junk mail to my private address is ridiculous. An online site for opt out needs to exist so companies wont be allowed to assault people with their unwanted wasteful junk.

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