BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was totally approved and giving the ok to activate my Apple Card and XXXX XXXX XXXX but one still getting a message from my XXXX XXXX XXXX ( even after I got a full approval activation link to my Apple credit card ) that sending and recieving money in messages have been restricted and unavailable for my use. its been very difficult to get around this so Im gon na need a bit more help because Im suspose to be in process of getting cash back from my XXXX credit card from making my XXXX purchase. +example -if you successfully dispute a transaction for which you initially earned XXXX XXXX, which results in a permanent credit being applied to your Account ; or so Im pretty sure that means I am approved for perminate unlimited credit. in Conclusion There are just a few more things from my contract I wanted to point out starting with -PHYSICAL COMPANION CARD Upon your request, we will issue you a physical Card that you can use to make Transactions from your Account. 

& -Welcome to Apple Card! 
Your Apple Card Account is issued by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX ( " Bank '', " we '', " us '', or " our '' ) and this is a legal agreement between you and us. By using your Apple Card Account or adding your Card to XXXX XXXX, you are agreeing to be bound by this " Agreement '', which includes this Apple Card Customer Agreement, together with your rates information, which can be found in your XXXX XXXXt. Please read it carefully, and keep a copy for your records. 
You can view, print, save and email current versions of the Agreement at any time from your XXXX XXXX, or you can request this Agreement by contacting us. 
CONTACTING US XXXX instead of writing this email should I have called because I already spoke to XXXX and she help me as much as possible. Should the percent improve fix Be expected in the new phone?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right of privacy.

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

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 2021-02-17
Company: ROBINHOOD MARKETS INC.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have tried to winthdrawl money and they have my account restricted, tried transferring my brokerage account and they ignored it, havent answered any of my emails for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: JPMORGAN CHASE & CO.
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:
INQUIRIES ( stolen identity ) XXXX XXXX XXXX made a Bank / Credit Card Inquiry by checking your XXXX  Credit File. 
Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 Contacted XXXX XXXX on XX/XX/XXXX to dispute application and advise of fraudulent activity. 

XXXX XXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your XXXX Credit File Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 XXXX XXXX XXXX made a Bank / Credit Card Inquiry by checking your XXXX Credit File. 
Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28
Company: Experian Information Solutions Inc.
State: CA
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:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED  XXXX XXXX XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account Number # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX  XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Acciunt # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX   Account # XXXX Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY

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 2022-10-04
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: Account information incorrect

Complaint:
XXXX is claiming that I have not paid for the months of March 2022-June 2022. They have already claimed that they have a repo company hired to take my vehicle despite the fact that I sent them bank statements as proof showing that I did pay them for those months. 

Also with the Fair Debt Collection practices act, as well as federal consumer law, they are violating 15 USC 1692f ( 6 ) They are threatening to take my vehicle without a non judicial action. I was not given a disclosure to opt sharing information, so they are taking illegal actions violating my rights as a consumer by allowing a repo company access to my personal information They are also reporting inaccurately. By law, they have to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i was told by my current mtg company XXXX that I was put on a do not call list and I believe I even sent them paperwork with my payment as requested. I am still receiving calls aand was and was told now that I have to mail them a cease and desist letter to accomplish .is this this, is this correct? my acct is and always has been current and the calls are for marketing and XXXX party marketing. the company is Nationstar Mtg in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Monterey Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My XXXX XXXX shows and amount of {$740.00} is currently in collections with The Monterey Financial Services LLC. I have attempted to call this company to settle the debt and have not received any feedback. I am in fact unable to even reach to a representative as their phone lines say they are closed. I need this debt cleared and removed from my credit report as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, XXXX, i called Transunion to have inquires that i didnt authorized removed. I spoke with a US rep that was handling my request. As the rep was confirming the inquires beening removed, the phone call was disconnected. i called back and waited 23 minutes to get another US rep on the phone. i explained to him what happen and how the US Rep was deleting unauthorized inquires and could he continue. He stated that he could n't do it. Again, I explained that the other US Rep was in process of deleting theses unauthorized inquires. however, he didnt care. Needless to say, he did n't help me with what the other US Rep was more then willing to help me with. There 's 5 inquires from XXXX from car loans companies. none of theses compies had my authorization to do so.

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 2021-02-17
Company: Commonwealth Financial Systems, 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:
A collection company has added a debt that is not mine and its affecting my credit. I need it removed it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Dividend Finance Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We purchased solar through XXXX XXXX which is a scam and they XXXX made us finance through dividend finance, we weren't given a choice, and the system we were sold under performs and dividend finance is aware and will not help us that just keep taking our money knowing we were sold XXXX that the are a part of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX and I am submitting this complaint myself. Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX XXXX, XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: The CMI Group, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, an erroneous debt appeared on my credit file in the amount of {$120.00} for XXXX XXXX. 

I have attempted to dispute this debt with no response from Credit Management LP, and when I contacted XXXX I was told there was no history of any account with a balance. 

XXXX isn't even a cable provider where I live!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: DISCOVER BANK
State: RI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I signed a private student loan contract with XXXX in XXXX of XXXX when I was XXXX and had just graduated high school. The student loan dispersed in XXXX of XXXX and XXXX of XXXX. When the loan was signed I was informed that there were no other options available, including being told that the government would offer no assistance. I declined a federally subsidized student loan at a lower interest rate to sign off with the XXXX private student loan. They rushed the process and brought my family in as co-signers on the loan without providing all the information. 
In XXXX my loan was sold to Discover Student Loans. 
I have made payments over the twelve years totaling {$15000.00} on a loan that was for {$12000.00}. I continue to make payments of between {$50.00} to {$100.00} a month and the loan will be paid off in 20 years according to the company. When I asked XXXX about why I would be pushed into a private loan instead of a federally subsidized loan they told me that they could not provide any information and that I lost my opportunity. This loan has damaged my credit, the credit of my family member and caused stress in monthly finances of my family. The loan was predatory from the beginning but only recently have I come across all the information that was denied me at the time of the signing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Frontline Asset Strategies, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a threatening email from Frontline Asset Strategies. Threatening to sue me/and or send my account to someone who will if I dont pay an alleged amount owed. 
They referenced account # XXXX from an XXXX XXXX. I have been contacted by FAS previously, they have not described what the debt is for or if it mine. They are threatening to sue if I dont pay by a certain date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TransferWise Ltd
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I used TransferWise to transfer XXXX XXXX  to my blocked account in XXXX, which is required for obtaining my XXXX XXXX  visa. The amount was to be deducted from my XXXX XXXX account in XXXX. I chose to use TransferWise because it advertised its service as fast, convenient, and more affordable than its competitors. I needed the money to arrive in my blocked account quickly because my visa appointment was approaching. 

I entered all the necessary information on TransferWise 's portal and authorized the transfer through a built-in XXXX XXXX online banking portal. TransferWise 's portal said the transaction was successful and that the money would arrive by the next day. I didn't receive any notifications when 24 hours had well passed, so I decided to log in on to the TransferWise portal to check the status. I was so dumbfounded that it said my account had been deactivated. No reasons were given on the page. I contacted customer service who instructed me to contact their appeals team because only they were able to handle this. 

Worried about not receiving the transfer on time, I emailed the appeals team with my passport scan, a selfie of me holding my passport, my blocked account details, as well as my university admission letter. Customer service told me specifically to include the first two items involving my ID, as well as other relevant details. 

As I was awaiting the resolution of this, I googled " Transferwise account deactivated '' and found a lot of similar complaints of TransferWise deactivating accounts without notice and reasons, with some people 's money still in their TransferWise accounts. Luckily, my money was still sitting in my bank account when this happened.

I ultimately chose XXXX XXXX to complete my money transfer. I asked TransferWise to cancel my transaction and to delete my personal data. XXXX days later, they replied with an apology and said that my account had been reactivated. They did not explain what led to the " reasonable suspicion '' or why they deactivated accounts without notice. 

I think this way of deactivating accounts without notifying people is very unprofessional and problematic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX not mine address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my names XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

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 2020-05-07
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called Audi Financial Services in XXXX to obtain a payment deferral on my lease. They took payment to bring the account current and processed my lease extension and payment deferral ( XX/XX/XXXX ). I also received a letter from Audi that the deferral was granted ( dated XX/XX/XXXX ). 30 days later on XX/XX/XXXX I received an alert from XXXX  that my credit score had dropped significantly ( 30+ points ) due to Audi reporting my lease 30 plus days past due. 

I sent Audi a message thru their secure portal online. I also called and spoke with a representative who told me that their system is automatic and many individuals are in the same boat and they are working on correcting the reporting but do not have a timeline for the fix.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: Atlanticus Services Corporation
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I SAW ACCOUNTS THAT WERE FRAUDULENT AND REPORTED THEM TO CREDITORS AND THEY REFUSED TO REMOVE THE ACCOUNTS.I 'D LIKE TO REPORT THE CREDITORS AS NEGLIGENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have put about XXXX checks in this account. Every check I deposit has been placed on and extended amount of hold time. Every-time I place a check in this bank it flagged. I feel like I'm been targeted because of my name and discrimination. My father passed way myself and siblings where giving money as a beneficiary. My siblings checks cleared with no issues or additional holds. For some reason chase keeps flagging my account. I give them no reason to flag my account. I have never wrote a bad check or have a check bounced that I deposited. I an being targeted. Now I am unable to pay my fathers funeral because they out additional 5 day hold on my account. They don't help when you call all they say they can not disclose why my account is flagged. I am being targeted! I will like to sue for discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
For approximately 14 months, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) has been collecting a debt owed. The statement comes from the XXXX   collection Department. They are charging XXXX $ each month. They are only applying XXXX $ to the account. When I called today, XX/XX/2018, to ask about this, they told me I had to contact Transworld Systems Inc ( TSI ) who is the actual holder of the debt collection. TSI informed me that there is a {$24.00} transaction fee. When I asked for a payoff amount, they said they couldn't give me one and i needed to contact XXXX. This seems like a very illegal practice for them to charge me for a fee when the other company is the holder or vice versa. I also asked for a history of statements to verify if this has been going on the whole time and both XXXX and TSI said the other could provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
About 2 week ago i was sent a letter that my business checking account XXXX XXXX XXXX will be closed. For depositing a check into my account. The reason was not clear. The bank was M & T Bank. Acct # XXXX. I'm new business owner and i have XXXX check system for payroll. I inadvertently deposit a check into my business account and that cause the back office to send letter to close my business account. I have no access to my money or online banking accounts. I was granted a business line of credit and the only way to pay the bill is in person. The branch closes early and its over 20 minute drive or more. I'm afraid this drastic move from the bank back office will hurt my personal credit and business credit. I called the XXXX, NJ branch several time no help. I called i called customer services no help. I need some clear answer.

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