BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Before I begin, I want to be clear that I am not requesting a " pay-for-delete. '' I am arguing that I was never responsible for the balance that they reported to all three credit bureaus. 

Back in XXXXXXXX XXXX XXXX, I had reached out to XXXX Bank in regard to some auto pay items charging my account, in which I was not actively monitoring because I had an alternative bank account. These XXXX auto pay debits totaled {$19.00}, but resulted in {$64.00} in overdraft fees. I had a friend give me {$19.00} so I could give XXXX their money back. 

When I reached out to their customer service explaining that I was unemployed and could not possibly pay the predatory charges, they said they can automatically waive one charge, but for the additional charge they'll have to escalate the issue. Once everything was resolved, my account would have to be closed though. I said that's perfectly fine because I am not even using it. 

The daily overdraft fee continued to be charged for over a month, including on the XXXX when I went hungry because my XXXX money was accidentally deposited into the overdraft fee cursed account. At that time, I reached out to them again and they said they were resolving the fees as we discussed. 

When the account was eventually closed, I had assumed they finally resolved everything. There was NO communication telling me my account was going into collections. Yes, my address had since changed, but my family still lived there, and I was never told I received mail from them either. 

Fast forward to XXXX of this year when I paid the past due balance, the only reason I paid it was because I got a great job, so I had to get a local checking account because I did not want to deposit XXXX checks into an online bank account. I was not paying them because I agreed with the balance and wanted a pay-for-delete, I was paying them so I could get another checking account. Every time I go into their branch about the problem, they just say they don't do pay-for-deletes, but that's literally not what requesting. I was supposed to never have been responsible for the balance, which was entirely XXXX bank electronically generated fees. 

I will attach a file explaining what I meant by being charged overdraft fees only because of the initial overdraft fee as well as the official statements they provided to me.

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 2022-10-05
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX BANK SS XXXX Account # XXXX Account name : XXXX BANK XXXX Account # XXXX Account name : XXXX BANK, account XXXX XXXX Account name XXXX XXXX XXXX account # XXXX Account name : XXXX BANK, account # XXXX Account name : XXXX, account # : XXXX Account name : XXXX XXXX SERVICES, account # XXXX Account XXXX : XXXX XXXX SYSTEMS XXXX, account # XXXX Account XXXX XXXX XXXX XXXX XXXX, account # XXXX Account name : XXXX XXXX XXXX, account # XXXX Account name : 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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-XXXX ( A ) ( XXXX ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: EQUIFAX, INC.
State: MD
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 received notification on  XXXX   XXXX  2017 that an account from   XXXX   XXXX   XXXX   was removed from my credit reports and was then added back on   XXXX    XXXX , 2017. The FCRA requires If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. I was never provided any notification directly from the CRA 's prior to this debt being reinserted into my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX   XXXX   XXXX   says I was 30 days late in   XXXX   2017. Please see attached payment history ( specific to account ending in  XXXX  ) from   XXXX   2017 to present showing on-time monthly payments.

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 2022-02-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was informed in XX/XX/XXXX that the wire and NSF fee accumulated in my account could not be refunded due to the reaching the limit of refundable amount for every 12 month. So, the agent mentioned to me to call back on XX/XX/XXXX, since the first time I was refunded for the amount for XX/XX/XXXX and requested for the fees that have not been refunded to me in XXXX since I will have limit to be credited for. When I called back on XX/XX/XXXX, the Chase agent told me that there was no such thing. After going thru several agents and one agent advised me to go to the branch to dispute the case, I went to Chase Bank branch on XX/XX/XXXX. The agents told me that they won't be able to give me credit for it after I told them the direction given to me end of last year to come back and request a refund of the fee starting on XX/XX/XXXX. On XX/XX/XXXX, I called Chase bank and I explained the whole situation to the agent named XXXX, who processed the refund to me on the spot for the amount of {$130.00} and informed me that I should be getting the credit in my account within 7 days. If I do not get the refund within 7 days, I should send the secure message from Chase account online. When I send the message, it does not seem that the Chase agent knows the case at all. Similarly, when I called Chase over the phone, everyone gave me different answers. On XX/XX/XXXX, the Chase agent re-filed the new case for with complain # XXXX, got my phone number and asked me the best time to reach me over the phone in 24 to 48h. I told the agent that 10-11 am would be a good time to reach me over the phone. However, no one followed up with me. So, I called back on XX/XX/XXXX that the agent informed me I should hear back in a day since it already passed 24h and closed to 48h and the case has been escalated. No one called to let me know the case. I called today XX/XX/XXXX and spoke to XXXX agents, who gave all different information stating the case has been finalized and closed from the previous case. The last agent told me that the case is just being handled by retail servicing business department and I should hear from the agent that would call me back by end of today. I found that Chase agents are unprofessional, gave various versions of inaccurate information, and frustrated that the refund of {$130.00} has not been credited to my account after 7 months. I believe that Chase should be hold accountable for the statement made to the customer. I requested many Chase agents to review the recorded conversation that I have with agent XXXX on XX/XX/XXXX but no one seems to want to do that for the fair investigations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23
Company: Aldous & Associates, PLLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/XXXX date happened Aldous & Associates , PLLC collection agency XX/XX/XXXX first contacted by the debt collector {$240.00} total debt that they claimed I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: ACIMA CREDIT, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to a furniture store to get furniture at XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX NY XXXX XXXX I was approve for XXXX dollars on XX/XX/2019 approval number XXXX in which they ask for you checking account information, I gave it to them cause I Needed at that time the credit and the merchandise, I was told they will be deducting this money from my checking account which I agreed to, I Told the person who was handling my case that my basement apartment had a leak in the ceiling and that my Landlord will be fixing the leak that week cause I didnt want my new bed to be ruined they said ok let me know when you need delivery meanwhile this money is taking from my account I agree cause I just knew that I was going to receive what I put in an order for, I went back to the store to let them know my landlord fixed the leaking ceiling, I was told we dont have a delivery drive who could assemble your items in which I put that in as well that I need assembly, I said ok when do you think youll have someone they said give it a week we will Contact you so I Did I call one day to see if they had someone to deliver my items no answers I kept calling no answer then I went to the store and it was closed, as COViD came in I Couldnt do anything it on my credit with ACIMA and I NEED IT TO BE OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XXXX XXXX Account XXXX I disputed the account on numerous occasions and it came back verified and I want to know how can can something come back verified when not even the open and closed date of it are being reported right. 

Experian is violation my consumer right under the FCRA according to : 15 USC 1681, I have the right to privacy and USC 1681-2 A person shall not furnish any information relating to 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 showing blatant violations for the reporting agency ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
The credit Company is   XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   I did not apply for this card. I have been writing letters to this company and all   XXXX   credit bureaus for a number of years off and on. There has yet to be a resolution and this company as well as the bureaus have yet to delete from my credit files. I just recently written the companies this past   XXXX    XXXX , 2017 and still getting computer print outs with no validation of signature and who verified the account as accurate.
This negative and inaccurate reporting has been going on for over ( 7 ) years which is past the statue of limitations for the state of Georgia.
This company continues to re-age this information into my credit reports.

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 2017-07-18
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: Old information reappears or never goes away

Complaint:
The credit Company is   XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  .   XXXX   XXXX     XXXX   I did not apply for this card. I have been writing letters to this company and all  XXXX  credit bureaus for a number of years off and on. There has yet to be a resolution and this company as well as the bureaus have yet to delete from my credit files. I just recently written the companies this past   XXXX    XXXX , 2017 and still getting computer print outs with no validation of signature and who verified the account as accurate.
This negative and inaccurate reporting has been going on for over ( 7 ) years which is past the statue of limitations for the state of Georgia.
This company continues to re-age this information into my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The Company 's website incorrectly reports information regarding the amount they are taking from my bank account. Their excuse is that they sent me an email with the correct payment amount, but that still doesn't explain why their website is reporting false information. The Company sends the same exact email every month for years letting you know that your payment is being auto debited from your bank account and then expects you to notice that the final email notes a completely different amount for the balloon payment. However, anybody that relies on their website for this info will be given false information. 

As a result of their broken website, I incurred a {$35.00} insufficient funds charge from my Bank because I did not transfer the funds to my checking account in time. I knew the balloon payment was coming and would have transferred the funds, but I checked their website prior and it incorrectly stated that only my normal payment amount would be coming out on the specified date. Their website is broken. I fully understand the terms of the balloon payment and knew it was coming, but the website did not give me a chance to prepare. 

As shown in the screenshot attached, I was presented with incorrect information stating that the 'Payment Amount ' was {$230.00}. Based on this information, I assumed I would be making the XXXX Payment as a separate debit from my bank account, rather than the monthly AutoPay on XX/XX/. 

The Autopay authorization on their website also makes it very unclear that the balloon payment will be taken as an AutoPay.

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 2023-12-18
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was supposed to close on a home. 
I called into Marcus by Goldman Sachs to transfer {$24000.00} back to my original XXXX  checking account so that I could close on my home. 

On XX/XX/XXXX, I called into their helpline and initiated the wire. They told me it would take 1-3 business days. 

By the XXXX the money had still not arrived. When I called in, they said there had been some sort of internal problem and they had to redo the wire. 

I have called in over 8 times, spoke with multiple supervisors, waited hours and hours on hold and was hung up on more than 3 times. 

They could never even provide me a federal reference number or a IMAB number. 

I would speak to different representatives and each would say the wire was in different stages- some said it was in review, others said the review was complete and money should arrive any minute. 

Since I can not close on my home without this money, I am going to lose {$10000.00} earnest money. 

On XX/XX/XXXX I was told the second wire failed and they would need to do it a third time. 

I am desperate for help. My mortgage is final approved and I just need access to my money or I lose my earnest deposit. I have already paid for movers and cancelled our lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Sent out letters to all 3 credit bureaus to get inaccurate information 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 non-monetary relief
Consumer complaint received 2023-04-14
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: Reporting company used your report improperly

Complaint:
An Account is not reporting 100 % accurate across through. the Date Opened, Date Last Active and Account number are all reporting wrong. and it has set me back in a major way, I sent evidence on violations they are breaking.

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 2023-05-10
Company: EQUIFAX, INC.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Fedloan servicing automatically processes any overpayment into a pre-payment bucket that reduces the next month ( s ) payment. This ensures the consumer receives no principal reduction or any benefit whatsoever from making larger monthly payments to reduce the time and interest expense. Also, the only remedy they offer is to remove the pre-payment option. However, you may find that they reinstitute it a year or 2 later because the removal was not 'permanent '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: DISCOVER BANK
State: CA
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:
I paid {$83.00} to XXXX XXXX over the phone for the rafting tour i went on, they for some reason charged me {$130.00} which i didnt agree to, i created a dispute with discover, and they origonally gave me a credit, but then they reversed it, and took the money back, charging me for more then i agreed to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XXXX I paid in full my Amex balance of {$32000.00} which was due today XXXX. Despite having accounted for the advanced payment and updated the balance due to zero, Amex failed to update the e-bill sent to my checking account with XXXX XXXXXXXX XXXX. As a result of Amex negligence, XXXX XXXX XXXXXXXX paid again today {$32000.00} to Amex resulting in a very low balance of my checking account. I immediately called American Express and they were unable to refund me today. Not only Amex received my full payment in advance, it also charged me for the same amount even if the balance was zero at the time of the monthly due date. The Amex representative said that it will take 3 to 5 business days to get the refund. As a result, I will likely incur overdraft fees because my checking account is very low and have payments scheduled. Because this situation is only the result of Amex negligence, I would like Amex to 1 ) pay for any overdraft fees that may result from the balance of my checking account being low and 2 ) pay for the interests accrued from the time Amex received the additional payment and the time the refund posted on my checking account.

Company response to consumer: Closed with monetary relief